vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this FTC identity Theft Adavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. XXXX XXXXXXXX on XX/XX/XXXX, XX/XX/XXXX and another hard inquiry added without my knowledge under the acct number XXXX an auto loan account opened on XX/XX/XXXX credit acceptance under account number and a third party debt collector under acct # XXXXXXXX XXXX XXXX and a medical debt collector XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquires and collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit report pursuant to my right within the FCRA and FCDPA laws. Thank

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
XX/XX/XXXX Requested in writing receipts and itemized account of repairs. In addition, required evidence that security deposit paid was applied to said claimed repairs. 

Never received from Columbia debt recovery or XXXX, XXXX, Washington XX/XX/XXXX request requested once again in writing receipts and itemized account of repairs. In addition require required evidence that security deposit paid was applied to said claimed repair. 

Never received from Columbia debt recovery or XXXX, XXXX, Washington XX/XX/XXXX had lawyer reach out in writing and request receipts an itemized account for repairs. In addition required evidence the security deposit paid was applied to said claim repairs. 

Never received from Columbia debt recovery or XXXX, XXXX, Washington XX/XX/XXXX through XX/XX/XXXX receive harassing and numerous phone calls from XXXX out of XXXX, Washington. Upon monitoring credit report, the debt goes up $ XXXX {$20.00} every month despite being disputed in despite investigation never completed and no communication in writing from Columbia debt recovery or XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
This is the second time this has happened. I have over a XXXX credit score. I pay off my bills monthly to avoid interest. So this bank, Synchrony Bank close all my accounts without a. Valid reason. The last I was told I had very low balances and had to much available credit. This time I was told possibly a account was mishandled. This is not possible. I have never mishandled any credit account. After doing some research I believe this bank is not making any money off me in interest, so therefore they keep closing any accounts I open. This is not very ethical for them to do this.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information appearing on my credit report. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ).

The account in question is being reported inaccurately and inconsistently across all three major credit bureaus. Specifically, the Date of Last Activity varies between reports, which raises concerns about the accuracy and reliability of the information being furnished. This type of discrepancy violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reporting. Furthermore, the account balances listed across Equifax, Experian, and TransUnion do not match, creating further confusion and casting doubt on the legitimacy of the reported data. 

In addition to the inconsistencies in reporting, the account is linked to old and incorrect addresses that I no longer use and have not been associated with for several years. The presence of these outdated addresses not only contributes to potential misreporting but may also interfere with the proper identification and verification of account ownership. I am requesting that these outdated addresses be removed from my credit file as they are no longer valid and serve no legitimate reporting purpose. 

Finally, I have no knowledge or record of initiating service with this energy provider, and I am unaware of any outstanding balances related to such an account. Therefore, I am formally requesting that you obtain and provide documentation from the original creditor to verify that this account belongs to me. If this account can not be properly verified within the time allowed by law, I respectfully request that it be removed from my credit report entirely.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX {$640.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$4200.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$2200.00} ( Charge Off ) XXXXXXXX XXXX {$7600.00} ( Charge Off ) XXXX XXXX XXXX XXXX {$1100.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX Off ) XXXX XXXXXXXX XXXX  {$4100.00} XXXX XXXX Buyer ) XXXX XXXX {$430.00} ( Collection/Debt Buyer XXXX XXXX XXXX XXXXk {$630.00} ( Collection/Debt Buyer 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX {$640.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$4200.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$2200.00} ( Charge Off ) XXXXXXXX XXXX {$7600.00} ( Charge Off ) XXXX XXXX XXXX XXXX {$1100.00} ( Charge Off ) XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX Off ) XXXX XXXXXXXX XXXX  {$4100.00} XXXX XXXX Buyer ) XXXX XXXX {$430.00} ( Collection/Debt Buyer XXXX XXXX XXXX XXXXk {$630.00} ( Collection/Debt Buyer 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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my account due to the fees and overdraft fees because I didnt have XXXX or more to not be charged fees now they been calling me harassing me about {$130.00}. I need to pay them.

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 2025-05-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX is reporting a debt on my credit report that I disputed. I requested full validation per my rights under the FDC

PA ( 15 U.S.C. 1692g ), but they failed to provide a contract, itemized accounting, or legal chain of assignment. Instead, they sent an old billing statement and a page labeled Applicant Retain This Copy with an alleged signature, which is not a valid contract or proof of debt ownership. I also have active fraud alerts on my credit reports. Reporting this debt without proper investigation violates the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). I am asking the CFPB to require them to delete the account permanently from all credit reporting agencies.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is reporting a debt on my credit report that I disputed. I requested full validation per my rights under the FDCPA ( 15 U.S.C. 1692g ), but they failed to provide a contract, itemized accounting, or legal chain of assignment. Instead, they sent an old billing statement and a page labeled Applicant Retain This Copy with an alleged signature, which is not a valid contract or proof of debt ownership.

I also have active fraud alerts on my credit reports. Reporting this debt without proper investigation violates the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). I am asking the CFPB to require them to delete the account permanently from all credit reporting agencies.

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 2025-05-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information appearing on my credit report. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ).

The account in question is being reported inaccurately and inconsistently across all three major credit bureaus. Specifically, the Date of Last Activity varies between reports, which raises concerns about the accuracy and reliability of the information being furnished. This type of discrepancy violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reporting. Furthermore, the account balances listed across Equifax, Experian, and TransUnion do not match, creating further confusion and casting doubt on the legitimacy of the reported data. 

In addition to the inconsistencies in reporting, the account is linked to old and incorrect addresses that I no longer use and have not been associated with for several years. The presence of these outdated addresses not only contributes to potential misreporting but may also interfere with the proper identification and verification of account ownership. I am requesting that these outdated addresses be removed from my credit file as they are no longer valid and serve no legitimate reporting purpose. 

Finally, I have no knowledge or record of initiating service with this energy provider, and I am unaware of any outstanding balances related to such an account. Therefore, I am formally requesting that you obtain and provide documentation from the original creditor to verify that this account belongs to me. If this account can not be properly verified within the time allowed by law, I respectfully request that it be removed from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information appearing on my credit report. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ).

The account in question is being reported inaccurately and inconsistently across all three major credit bureaus. Specifically, the Date of Last Activity varies between reports, which raises concerns about the accuracy and reliability of the information being furnished. This type of discrepancy violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reporting. Furthermore, the account balances listed across Equifax, Experian, and TransUnion do not match, creating further confusion and casting doubt on the legitimacy of the reported data. 

In addition to the inconsistencies in reporting, the account is linked to old and incorrect addresses that I no longer use and have not been associated with for several years. The presence of these outdated addresses not only contributes to potential misreporting but may also interfere with the proper identification and verification of account ownership. I am requesting that these outdated addresses be removed from my credit file as they are no longer valid and serve no legitimate reporting purpose. 

Finally, I have no knowledge or record of initiating service with this energy provider, and I am unaware of any outstanding balances related to such an account. Therefore, I am formally requesting that you obtain and provide documentation from the original creditor to verify that this account belongs to me. If this account can not be properly verified within the time allowed by law, I respectfully request that it be removed from my credit report entirely.

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 2025-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to you today bc XXXX XXXX XXXX XXXX  company reported me late before the last day of the month and I was not 30 days past due as of the XXXX of this month I paid my XXXX XXXX XX/XX/XXXX when I got out of the hospital I have been in there since XX/XX/year> and by the grace of God came home XX/XX/XXXX. I was informed XX/XX/XXXX that my account was reported late and it shouldnt have been. I was told by several different reps in the escalation team that all I needed to do was fill out their personal company form. I wasnt aware at the time that they had already reported me as late/delinquent as of the XXXX of XX/XX/year>.

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 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
Back in XXXX of XXXX, I got a line of credit through XXXX XXXX. The amount was {$2000.00}. I didnt read all of the details but Im making payments every single paycheck and after 13 months of making every payment, I now owe {$2100.00}. There is no way I will be able to pay this off with the high of interest. I dont have the money to just pay it all off and every month the amount gets higher and higher. I feel like I will never be able to get this paid off.

Company response to consumer: Closed with explanation