vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
I have been made aware that due to a recent data breach, my personal information was used to open fraudulent accounts. Pursuant to Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX CT XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX. XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} Inquiries XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: College Ave Student Loan Servicing, LLC
State: CA

Complaint narrative:
Subject : Unfair and predatory private student loan terms from XXXX XXXX I took out private student loans from XXXX XXXX for my education. The total amount borrowed was {$95000.00} across two loans, but the repayment cost exceeds {$130000.00} due to high interest rates of 9.98 % and 12.09 %.

I believe the lender engaged in predatory behavior by : Offering extremely high interest rates compared to federal student loans Marketing aggressively to students without income or credit history Failing to fully explain the long-term cost of borrowing Providing no income-driven repayment, forgiveness, or safety net options I now face monthly payments over {$2200.00} an unsustainable burden, even as a full-time XXXX. These loans provide no relief options, unlike federal loans, and I feel trapped in a predatory financial contract. 

I request that the CFPB investigate XXXX XXXX lending practices and pressure the lender to offer interest rate reductions, restructuring, or release options. 

I am also seeking support and guidance on how to refinance or restructure this debt under fairer conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to formally dispute the rental debt of {$20000.00} listed on my credit report. I was listed as a co-signer for a friend on this rental agreement ; however, I never resided at the property, did not receive any notices, and was not involved in the management or use of the lease. 

Given that I was not the primary tenant and did not have occupancy or control over the account, I believe it is unjust and inaccurate to hold me solely or jointly responsible for this outstanding amount, particularly without any direct notification or opportunity to resolve the issue when it first arose. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you : Provide full documentation verifying the debt, including the original lease, account statements, and any proof of my direct liability. 

Cease reporting this item until the investigation is complete. 

Remove the account if it can not be verified as accurate or if there is no documentation of my legal responsibility for the full debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
Contents of Complaint : This CFPB complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that you, the credit reporting agencies, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint.

The following accounts contain fraudulent, inaccurate, and false information. I do not recognize these accounts, did not authorize or initiate them, and they are the direct result of identity theft. Their presence on my report constitutes a violation of my privacy rights and FCRA compliance, including Metro 2 Forma
t Guidelines : 1. XXXX XXXX Account # XXXX This account is being reported without my authorization. I demand its immediate deletion. It does not comply with FCRA and Metro 2 compliance. Violation of my rights to privacy.

2. XXXX XXXX Account XXXX XXXX This account was not opened by me and was fraudulently added to my credit profile. 
Violation of my rights to privacy under FCRA and Metro 2.

3. XXXX XXXX Account # XXXX I never authorized this account. It is fraudulent. 
Violation of my FCRA rights and Metro 2 non-compliance.

4. XXXX XXXXXXXX XXXX  Account # XXXX This is a fraudulent account. I have never conducted any business with this company. 
Violation of my rights to privacy. 
5. XXXX Account # XXXX This account is inaccurate and fraudulent. It does not meet XXXX XXXX and FCRA reporting standards. 
Violation of my privacy rights. 
6. XXXX Account # XXXX I have no knowledge or connection to this account. Remove it immediately. 
Full violation of my FCRA rights. 
7. XXXX XXXX XXXX Account # XXXX This account was added without my consent and is fraudulent. 
Violation of FCRA and Metro 2 compliance. 
8. XXXX XXXX XXXX This is a fraudulent collection account. It is in full violation of federal privacy and consumer protection laws. 
Non-compliance with FCRA and Metro 2 standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
Contents of Complaint : This CFPB complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that you, the credit reporting agencies, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint.

The following accounts contain fraudulent, inaccurate, and false information. I do not recognize these accounts, did not authorize or initiate them, and they are the direct result of identity theft. Their presence on my report constitutes a violation of my privacy rights and FCRA compliance, including Metro 2 Forma
t Guidelines : 1. XXXX XXXX Account # XXXX This account is being reported without my authorization. I demand its immediate deletion. It does not comply with FCRA and Metro 2 compliance. Violation of my rights to privacy.

2. XXXX XXXX Account XXXX XXXX This account was not opened by me and was fraudulently added to my credit profile. 
Violation of my rights to privacy under FCRA and Metro 2.

3. XXXX XXXX Account # XXXX I never authorized this account. It is fraudulent. 
Violation of my FCRA rights and Metro 2 non-compliance.

4. XXXX XXXXXXXX XXXX  Account # XXXX This is a fraudulent account. I have never conducted any business with this company. 
Violation of my rights to privacy. 
5. XXXX Account # XXXX This account is inaccurate and fraudulent. It does not meet XXXX XXXX and FCRA reporting standards. 
Violation of my privacy rights. 
6. XXXX Account # XXXX I have no knowledge or connection to this account. Remove it immediately. 
Full violation of my FCRA rights. 
7. XXXX XXXX XXXX Account # XXXX This account was added without my consent and is fraudulent. 
Violation of FCRA and Metro 2 compliance. 
8. XXXX XXXX XXXX This is a fraudulent collection account. It is in full violation of federal privacy and consumer protection laws. 
Non-compliance with FCRA and Metro 2 standards.

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 2025-06-02 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: FL

Complaint narrative:
I am filing this complaint against the three major credit bureaus Equifax, Experian, and TransUnion for their continued reporting of a collection account by XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector that is not licensed or authorized to collect debts in the State of Florida, where I reside. 

I have provided proof ( see attached screenshots ) from the XXXX XXXX XXXX XXXX clearly showing that XXXX XXXX XXXX XXXX holds no collection license in Florida, making their collection activity unlawful under Florida law. 

Additionally, this company violated 15 U.S.C. 1692c ( c ) of the FDCPA by ignoring my written request to cease communication and explicitly stating in their response ( see attached image ) that they will continue to send mail to my address, despite my clear cease-and-desist notice. This is a willful violation of my federal consumer protection rights.

The credit bureaus are further in violation of : 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) by failing to properly reinvestigate the dispute despite the evidence provided.

15 U.S.C. 1681b by allowing the continued furnishing of consumer data to a company not legally permitted to operate in my state.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits the reporting of information that the furnisher knows or has reasonable cause to believe is inaccurate or unauthorized.

Despite my previous dispute submission to the CFPB, no corrective action was taken, and this debt which is legally unenforceable in Florida remains on my credit reports, causing ongoing harm to my creditworthiness and financial opportunities.

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX Subject : Cease and Desist Fraudulent Account Due to Identity Theft To Whom It May Concern : I am writing to notify you that the account you are reporting under my name is fraudulent and the result of identity theft. I demand that Portfolio Recovery Associates , LLC cease and desist all collection activity and credit reporting related to this account immediately. 

I have filed an official identity theft report with the Federal Trade Commission ( FTC ). The associated reference numbers are : FTC Identity Theft Report Numbers : XXXX and XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request the following : Cease all collection efforts, including phone calls, mailings, and credit reporting. 

Delete this account from all credit reporting agencies where it may appear. 

Provide written confirmation that this account has been permanently removed and that no further attempts will be made to collect on it. 

I am enclosing the following documentation to support my identity theft claim : A copy of my government-issued photo ID Please confirm in writing that all appropriate actions have been taken and that this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I am writing to formally dispute the unauthorized fraudulent student loans appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). These loans were issued under the XXXX XXXX XXXX, which has been abolished and rendered debts legally unenforceable and unverifiable. The originating agency for these loans no longer exists, making these debts legally unenforceable. Also as a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collections on my credit report that has been settled but still showing. Some more than 7 years. Change off credit cards that should have taken off my credit report over ten years ago. I tried to dispute with no luck. Trying to get my credit score up but these reports is preventing. 
With thanks XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I am writing to request an immediate update to the address listed on my credit file. Please update my records to reflect my new residential address, effective immediately : You are hereby demanded to add and make reference to my new home address and remove any and all old address appearing on my credit report! 
New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed copies of the following documents : A valid government-issued photo ID ( such as a drivers license ) A recent utility bill or official correspondence showing my new address Please confirm once this change has been made, and kindly ensure this new address is reflected accurately across my credit file. 
If you require any additional information or documentation, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I am writing to request an immediate update to the address listed on my credit file. Please update my records to reflect my new residential address, effective immediately : You are hereby demanded to add and make reference to my new home address and remove any and all old address appearing on my credit report! 
New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed copies of the following documents : A valid government-issued photo ID ( such as a drivers license ) A recent utility bill or official correspondence showing my new address Please confirm once this change has been made, and kindly ensure this new address is reflected accurately across my credit file. 
If you require any additional information or documentation, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the 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. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX 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 2025-06-02 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: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-06-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX totaling {$31000.00}, a collections account opened at XXXX XXXX on XX/XX/XXXX totaling {$200.00}, XXXX education credit accounts opened at XXXX XXXX  on XX/XX/XXXX totaling the amount of {$15000.00}, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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