vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX BANK NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent XXXX Inquires, XXXX, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer XXXX Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX BANK NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent XXXX Inquires, XXXX, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer XXXX Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
XXXX XXXX has written off a debt account as a profit loss and has received payment from the IRS by issuing a 1099-C form. Despite this, the account is still being reported on my credit report with a * * negative payment history and an outstanding balance * *, which is both inaccurate and damaging to my credit profile. 

According to the * * FCRA, 15 U.S.C. 1681s-2 ( a ) * *, furnishers of information must report accurate data. Reporting a balance on a debt that has been canceled or dischargedespecially after a 1099-C is issuedis misleading and constitutes double reporting. Once a debt is written off and the creditor has received a tax benefit for the loss, they may no longer lawfully continue to report the debt as if it is still owed. 

This account should no longer reflect any balance due or ongoing delinquency, as the issuance of a 1099-C signals that the debt has been forgiven or discharged. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel XXXX XXXX to :

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 2025-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Services, Inc.
State: IA

Complaint narrative:
I was sent a letter from Credit Management Services Inc. for {$30.00} that was due from a XXXX  XXXX  that I have never went to before in XX/XX/year>. I have never received a bill from this XXXX  XXXX  or any contact from them. 
I was sent XXXX more letters about the debt from Credit Management Services near XX/XX/year>. 
I called the XXXX XXXX and they had no record of who I was. 
I called the credit management services and all they said was that they had my name down for the {$30.00} debt and that I need to make this payment. 
I tried to dispute the charge in XX/XX/year>, but was then denied. 
I requested the information that they had, and they sent medical bills in XX/XX/year> of other peoples medical billing information and XXXX sheet including information about what I need to pay. 
No further action has been taken or sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of a fraudulent collection account appearing on my credit report. The account in question does not belong to me and is the result of identity theft. 

As required under the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting that you block the reporting of this fraudulent account from my credit file. Under this provision, you are required to block such information within XXXX business days of receiving appropriate proof. 

The fraudulent account is listed as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
According to U.S. Code : 15 U.S.C. 1681c ( a ) ( 4 ) collections can only be reported for XXXX XXXX from the date of the original delinquency. I lived at XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. It was reported on my credit report on XX/XX/XXXX as a collections account. I asked for a validation letter and was given a cost ledger on XX/XX/XXXX in which U.S. code 15 : U.S.C, 1681i was violated as well as FDCPA 1692e. This same company then placed another collections on my credit report for another amount I supposedly owed with interest that was placed on XX/XX/XXXX and they stated again that they verified by sending a cost ledger on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00}

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 2025-07-24 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: SC

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint regarding an inaccuracy on my credit report involving the same XXXX XXXX XXXX credit card account being reported XXXX   XXXX  by the original creditor and XXXX  by the debt collector  each showing the same balance of XXXX.\n\nSpecifically:\n\nThe original XXXX XXXX XXXX account is marked closed, but it still reflects a balance of XXXX, with no mention that it was transferred or sold.\n\nA collection account has been opened by another company using the same account number and same balance XXXX, suggesting the debt is still active in XXXX  places.\n\nThis constitutes duplicate reporting, also known as "double jeopardy reporting," which is misleading, inaccurate, and damaging to my credit profile.\n\n Violations of Law:\n FCRA  607(b)  15 U.S.C.  1681e(b):\nConsumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Allowing the same debt to be reported XXXX   especially with a balance still listed under both the original and collection account  is inaccurate and misleading.\n\n FCRA  609 &  611  15 U.S.C.  1681g and  1681i:\nI have the right to dispute incomplete or inaccurate information and request a full investigation and correction.\n\n The XXXX XXXX  Credit Reporting Standards (used by all XXXX  credit bureaus):\nWhen a debt is sold or transferred, the original creditor is required to update the balance to XXXX and mark the account as transferred/sold, while the debt buyer or collector takes over. This prevents double balance reporting  which is not only improper, but harmful.\n\n Resolution Requested:\nI am formally requesting the following corrective actions:\n\nRemove the negative Reported Item(s) from my credit report and Provide written confirmation that these corrections have been made to my credit report.\n\nI am submitting this complaint to the Consumer Financial Protection Bureau (CFPB) with supporting documentation and request that this issue be addressed in compliance with the Fair Credit Reporting Act.\n\nThank you for your time and immediate attention to this matter.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 explanation
Consumer complaint received 2025-07-24 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-07-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request immediate correction and removal of inaccurate and potentially unlawful information appearing on my consumer credit report in relation to the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX I am requesting the deletion of all late payments reported under this account. The information reported is not accurate and violates my rights under the 15 U.S. Code 1681s-2 ( 2 ) ( xi ), which requires furnishers of information to correct and update information that is found to be inaccurate or incomplete. These reported late payments are damaging and do not reflect the true and lawful status of the account. I request that all derogatory information, specifically the late payments, be permanently removed from my credit file with all three credit reporting agencies immediately. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX This account is reported in violation of 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which governs communication with consumers by debt collectors. Due to these violations, I am requesting that this account be permanently deleted from my credit report across all three bureaus. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX Similarly, this account is being reported in violation of 15 U.S. Code 1692c. Based on these legal violations and the harm caused by inaccurate or unlawful reporting, I am requesting the immediate removal of this account from my consumer report. 

Please initiate an immediate investigation into these matters as required by the Fair Credit Reporting Act ( FCRA ), and notify me of the results. I request that you provide written confirmation once the inaccuracies have been corrected and the accounts have been removed or amended. 

Thank you for your attention to this matter. I expect timely and appropriate action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year>XXXX  SSN last XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request immediate correction and removal of inaccurate and potentially unlawful information appearing on my consumer credit report in relation to the following accounts : XXXX. XXXX XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX I am requesting the deletion of all late payments reported under this account. The information reported is not accurate and violates my rights under the 15 U.S. Code 1681s-2 ( 2 ) ( xi ), which requires furnishers of information to correct and update information that is found to be inaccurate or incomplete. These reported late payments are damaging and do not reflect the true and lawful status of the account. I request that all derogatory information, specifically the late payments, be permanently removed from my credit file with all three credit reporting agencies immediately. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX This account is reported in violation of 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which governs communication with consumers by debt collectors. Due to these violations, I am requesting that this account be permanently deleted from my credit report across all three bureaus. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Dispute Basis : XXXX XXXX Similarly, this account is being reported in violation of 15 U.S. Code 1692c. Based on these legal violations and the harm caused by inaccurate or unlawful reporting, I am requesting the immediate removal of this account from my consumer report. 

Please initiate an immediate investigation into these matters as required by the Fair Credit Reporting Act ( FCRA ), and notify me of the results. I request that you provide written confirmation once the inaccuracies have been corrected and the accounts have been removed or amended. 

Thank you for your attention to this matter. I expect timely and appropriate action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/year>XXXX  SSN last 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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legally required standard of maximum possible accuracy. These reporting errors are causing serious and ongoing harm to my financial stability and personal well-being. 

This situation is unacceptable and is placing an undue burden on me during an already challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$780.00}

Company response to consumer: Closed with non-monetary relief