vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$69.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/year> -- {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/year>, I received a collection notice from Columbia Debt Recovery LLC dba Genesis, attempting to collect {$610.00} allegedly owed to XXXX XXXX XXXX. This debt was fully resolved under a court-approved settlement agreement filed with the XXXX XXXX  Superior Court ( Case No. REDACTED ) under CCP 664.6. The balance was waived in court. 

Despite this, Genesis has tried to collect and may report the debt to credit bureaus. They are also attempting to collect charges ( backdated utilities ) not authorized in the court settlement.

Ive attached a redacted formal dispute letter, redacted motion to enforce settlement, and other supporting documents, such as the court settlement agreement. I demand the CFPB take immediate action to bar this collection and prevent inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: FL

Complaint narrative:
I saw a debt collector post a collection to my XXXX report as of XX/XX/year> for an amount of {$550.00}. I have had ZERO communication about this debt. No notices, no letters. I do not even know who the original creditor is and for what. I do not have any unpaid bills. The debt collector name is SCA Collections Inc I was never even notified from any original source of debt of an amount of {$550.00}. And never given an opportunity to question the validity of the debt. This needs to be urgently removed from my credit profile please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead I received no response to the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 
The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach.After reviewing my credit reports Ive noticed some accounts I'm unfamiliar with.I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC report, and a NPD showing my information being exposed in a national data breach and a debt of validation letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft, which is linked to the recent data breach involving my personal information. As a result, certain accounts have been fraudulently opened in my name and reported on my credit file without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ), I am requesting that all accounts resulting from identity theft be blocked and deleted from my credit report. This statute requires consumer reporting agencies to block the reporting of any information resulting from identity theft when proper documentation is provided.

Attached are the following documents to support my request : - A copy of a government-issued photo ID - A utility bill or other proof of current address - A copy of my identity theft report filed with the FTC or XXXX enforcement - A list of the fraudulent accounts to be blocked XXXX XXXX XXXX Please conduct an immediate investigation and block the reporting of the disputed accounts. Kindly confirm in writing once the requested action has been completed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was leaked in the Equifax data breach. And these accounts are not mines XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2025 Amount XXXX XXXX XXXX Reported : XXXX XXXX, 2025 Amount XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2025 Amount {$1600.00} XXXX XXXX XXXX  Reported : XXXX XXXX, 2025 Amount :XXXX XXXX XXXXY Amount {$350.00} Reported : XXXX XXXX, 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against CashApp. ( Block Inc ) Due to inadequate customer service and unfair practices. Which violates the consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit was frozen without my knowledge or consent. Since then I have not been able to purchase a home, or apply to any credit cards. I believe Equifax had a data breach and they placed my account on frozen due to their error. Now they are requesting I mail in my social security card. I have told them I am not comfortable with that multiple times and asked if there is a way for me to either fax or scan in my information. They continue telling me no. Mail fraud is a huge issue and I will not be putting my personal documents in the mail. They are telling me there is no account under my social security number. But I have a login with my credit score visible to their website. I spoke with two representatives, 1 supervisor and no manager was available. I should not have to mail anything in due to their error on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I got a credit account that I didn't apply for. While I was verifying my credit information online on the XXXX  Website I found out that I got an XXXX XXXX XXXXrom Affirm INC approved on XXXX XXXX even when I had my credit frozen with the XXXX credit buraus at that time. 

Today I found out that somebody who " XXXX email is : XXXX used ( stole ) my personal information in order to illegally get a loan from Affirm. This person already submitted XXXX payments to the fraudulent account on XXXX and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
First of all I have every intentions on paying Synchrony Bank every penny on what I barrowed. The reason for this complaint is that Synchrony recently in XX/XX/year> had doubled my balance from {$5000.00} to {$9200.00}. 
I immediately contacted them on the enormous increase. After waiting for XXXX a female agent picked up and I stated my concerns of the major increase. She stated that my promotion ended. I told her that I was completely unaware of a promotion! I mentioned my families hardships and she told me she understood and she mentioned it was on the disclaimer and on my statements, and she couldn't do anything for me and that I would have to pay the balance. I asked for her to send info, she said that it was on my statements. I immediately logged back into Synchrony and spoke to two agents via chat. One was a supervisor who explained the promotion and listened to my hardships and then offered me a hardship plan which offered a card complete credit card shut off and a monthly plan of {$310.00} a month with no possible interest fees. I denied because I felt deceived. 

After the call ended I immediately logged on the website because I have paperless statements. While logging on I reviewed the statements. After a period of time I was not able to find the promotion that was mentioned on my statements until I scrolled to the bottom. It was in a box in small print but it was not in XXXX ink like the last statement before the promotion ended. Like it was planned. 
I extremely feel that before we sign up for a promotional credit card, consumers need to understand the true cost of these promotions. 
Below are the statement attachments I mentioned. 
I'll be the first to say that I had hiccups on my monthly payments, but the monthly amounts did not add up consistently with the balance to be paid off in 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I reached out to net credit several times to remedy the past due balance. They put me on a payment plan to pay the past due balance but still gave me a right to cute email. They said that they would default me if they werent paid for the past due balance by XX/XX/year>. They lied to me saying that if I made the payment plan on the past due balance that I would be fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally follow up on my complaint reference number XXXX XXXX XXXX XXXX XXXX submitted on XX/XX/year>, regarding unauthorized inquiries and fraudulent activity on my credit report. 

Despite providing documentation of identity theft, including a fraud report from [ Identity Theft Report ], the credit bureau Experian did not remove the fraudulent inquiries from my file. The response I received indicated that they were unable or unwilling to take corrective action, even though these inquiries were clearly made without my knowledge or consent. 

This inaction continues to negatively impact my creditworthiness and has caused ongoing stress and concern. 

I respectfully request that this case be reviewed again with emphasis on the supporting documents I provided and that appropriate action be taken to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems is reporting an account opened on XX/XX/XXXX, with a balance of {$1600.00}. However, this debt originated with XXXX XXXX and my last payment was made on XX/XX/XXXX. I have documentation confirming this date, and the account had been charged off and inactive for years. 
Jefferson Capital re-aged the debt by reporting it as a new open account in XXXXThis is misleading and violates the Fair Credit Reporting Act ( FCRA ), which prohibits re-aging to extend how long a debt remains on credit reports. 
I disputed directly with Jefferson Capital and requested documentation supporting the XXXX date. They did not provide proof, and the inaccurate reporting continues. 
I am requesting the CFPB 's help to have this account removed entirely from my credit reports because the original delinquency occurred over 7 years ago and it is now beyond the legal reporting period allowed under the FCRA. 
Jefferson Capital implied in their letter that contacting them or sending a pay-for-deletion request may restart the time period for reporting or legal action. This is misleading. Under the FCRA, the 7-year reporting period is based solely on the original date of delinquency, which was in XXXX. My communication did not include any payments or acknowledgement of liability and should not reset any reporting clock.

I only sent the pay-for-deletion letter to resolve the matter, but I was later advised by an attorney that this account is past the 7-year reporting limit and should be removed entirely from my credit report. 
I am including payment history and screenshots from my credit report.

Company response to consumer: Closed with explanation