vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
I do not have the exact date of contact, Check City did verify the collections were for a woman 's name on my phone number. I had changed my phone number and explained that to Check City, I assumed it was the person they are after who owned my new phone number.

I was told by Check City it was " Impossible '' to remove me from the system even though they verified it was NOT my debt. There is nothing on my credit report because they do not have my SS # which they would if the collection was valid. I am tired of relentless calls and being on the National do not call registry. They can stop or I will pursue Check City with an attorney, at a XXXX XXXX a call, it's a lot and my cell company can and will provide a log ... I would prefer it STOP. I want written acknowledgement that my number has been deleted from their system. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-18 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 issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
The information presented in the letter appears to lack proper compliance with reporting standards, and its accuracy, completeness, timeliness, and validation have not been verified. Therefore, I kindly request that you provide documented evidence of compliance with consumer laws and reporting standards. It is imperative to take immediate action to remove any imperfect, incomplete, or unverified information.

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 2025-08-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/25 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing an account on my credit report that I have never authorized or opened. This account is fraudulent, and its inclusion is inaccurate, causing harm to my creditworthiness and financial reputation.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a charge for XXXX on my Wells Fargo account on XX/XX/XXXX. I disputed the transaction. The claim was denied. The charge came from XXXX. I do not have an XXXX account. The original merchant who XXXX paid is for a XXXX that does not exist

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 monetary relief
Consumer complaint received 2025-08-18 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: WA

Complaint narrative:
I provided written notice in XX/XX/year> and vacated and surrendered possession on XX/XX/year>. Management acknowledged my notice and acceptance of surrender, taking control of the unit as of that date. Under RCW 59.18.280, the landlord was required to provide a full and specific itemized statement within 21 days, making the deadline XX/XX/year>. No statement was ever received by that date. Instead, they attempted to erroneously bill me for an additional month, I alerted them to the error which they said they would correct, and then I never heard from them for 15 months. 

I previously filed a CFPB complaint and received a response from the debt collector that contains two glaring contradictions : 1 ) Missed deadline.

In their own words : Client records also indicate that an initial resident letter was sent to you reflecting a balance due on XX/XX/year>, which is within the required legal time frame for WA state law at that time. This is factually wrong. XX/XX/XXXX is after the statutory deadline of XX/XX/XXXX and therefore legally insufficient. Further, I never received any such letter on XX/XX/XXXX and no copy of this letter has ever been produced. 

2 ) Logical contradiction.

The company explained away the XX/XX/year> ledger showing a {$0.00} balance by claiming properties are required to write off charges prior to sending to collections because two entities can not collect at the same time. This explanation fails for two reasons : ( a ) The write-offs occurred on XX/XX/year> - more than 15 months before any attempt at collection - not at the time the account was allegedly placed with a collector. 

( b ) The write-offs in the ledger clear the entire account balance of {$2300.00}. If their explanation were accurate, they would have written off only the alleged collectible balance of {$1000.00}, not the entire account. 

These contradictions show that the companys own records are inconsistent and can not support any collection activity or credit reporting. The account was zeroed out as of XX/XX/year>, and any attempt to revive charges more than a year later is both untimely under RCW 59.18.280 and unsupported by credible documentation. Allowing this tradeline to remain despite missed deadlines, contradictory ledgers, and fabricated entries would reward noncompliance and undermine the accuracy standards of the FCRA.

Attachment Index - Tenant Ledger ( XX/XX/year> ) : Statement date shows {$0.00} balance ; includes XX/XX/XXXX write-off entries. 
- Notice to Vacate ( XX/XX/year> ) : Signed/acknowledged ; confirms surrender on XX/XX/year>. 
- Excerpt of Companys CFPB Response : Quote asserting a XX/XX/XXXX balance-due notice within the required legal time frame. 
- Email Exchange ( XX/XX/year> ) : XXXX acknowledges erroneous XXXX rent and says they will get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Debt Collector : Law Offices of Hayt , Hayt & Landau , LLC References : XXXX ( XXXX XXXX  XXXX ending XXXX ) / XXXX ( XXXX XXXX XXXX ending XXXX ) -- - Complaint : On XX/XX/year>, I received a collection letter from Hayt, Hayt & Landau , LLC regarding two alleged XXXX XXXXXXXX accounts ( references XXXX and XXXX ). 

XXXXXXXX XXXX  I submitted a formal written dispute and validation request ( via the email they themselves provide for disputes ). My request specifically demanded the following under the Fair Debt Collection Practices Act ( FDCPA ) : 1. Copy of the original signed contract.

2. Proof of identification used to open the accounts.

3. Proof linking the accounts to my Social Security Number ( SSN ).

4. Proof of legal authority to collect, including assignment/agency agreements with XXXX XXXX. 


5. Chain of custody of the debt, including any bill of sale or transfer.

6. Proof of their license to collect in NJ.

7. Complete account history.

I clearly advised them that account statements or internal records are not proper debt validation under federal law. 

On XX/XX/year>, they responded by sending only copies of billing statements which do not constitute validation and fail to address the specific documentation requested.

Since then, I have received no further response. This means Hayt, Hayt & Landau has not complied with my lawful request and continues to leave the alleged accounts unresolved and disputed.

Additional concerns : These alleged accounts do not appear on any of my credit reports from XXXX XXXX XXXX XXXX  raising further doubts as to their accuracy and enforceability. 

The collector has failed to provide timely, adequate validation required by the FDCPA.

Their inadequate response has forced me to prepare escalation. If no corrective action is taken, I will also file with the New Jersey Division of Consumer Affairs for violations of state debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One has restricted both of my credit cards for suspected fraud. I made online payments from my savings account on XX/XX/XXXX, The payments were processed by Capital One on XX/XX/XXXX, but the account number was incorrect. I don't know this number and don't have an account with this number. The payment was not applied and my account was restricted until I submit a bank statement from my bank for this incorrect account number. I've talked to supervisors in their fraud department several times stating that I can't provide a statement for an account I don't have. I've had a representative from my bank on the phone with me confirming that I don't have an account with that number. The fraud department supervisors just say they can't remove the restriction until I submit a statement from this non-existent account. What can I do?? They continue to accept payments from my legitimate account online. One of my cards has a credit balance they won't return to me because of the restriction. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX, XXXX Inaccurate Reporting, XXXX  Protections To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX Bank XXXX. ) and XXXX XXXX, XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Relief provisions of the National Defense Authorization Act ( NDAA ) of XXXX. 
I am a documented XXXX XXXX XXXX XXXX  The account in question was opened during a period when I was under duress and unable to provide legal consent to financial obligations. 
Account Information : * Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Collection Agency : XXXX XXXX, XXXX ( XXXX ) * Opened : XX/XX/XXXX * Closed : XX/XX/XXXX * Status : Debt was sold to XXXX XXXX, but XXXX continues to report the account as delinquent every month. 
This dual reporting is unlawful and inaccurate. Once a debt is sold, the original creditor no longer owns the account and may not continue reporting it as if it were active. Courts have repeatedly recognized this as misleading and in violation of the FCRA. See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a charged-off account in a misleading manner is a violation of FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishers must not report information that is materially misleading, even if technically accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishers must conduct reasonable investigations and correct inaccurate reporting. 
Additionally, under FCRA XXXX and the NDAA XXXXXXXX XXXX XXXX protections, I have the right to have all adverse credit information resulting from XXXX  blocked and removed once survivor documentation is provided. 
I have already submitted supporting documentation from : XXXX XXXX XXXX XXXX My DSHS caseworker * My attorney, who is representing me in a legal matter related to my XXXX  case Despite this, both XXXX and XXXX XXXX have failed to comply with the law. 
Requested Resolution : XXXX. Require XXXX and XXXX XXXX to immediately delete this account from my credit reports across all three bureaus. 
2. Ensure compliance with FCRA case law standards regarding misleading and inaccurate reporting after debt sale.

3. Enforce the XXXX XXXX  protections under NDAA XXXX XXXXnd FCRA 605C.

The continued reporting of this account is materially misleading, unlawful, and harmful to my financial recovery as a XXXX XXXX  I request urgent intervention by the CFPB. 
Sincerely, Im

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