vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: T.S. Holdings
State: PA

Complaint narrative:
I no longer have access to the paper documentation. This happened in XXXX. I was living in an apartment that I rented using a county housing voucher provided by XXXX XXXX, PA. The organization was called XXXX XXXX. They issued my rent each month from XX/XX/XXXX _ XX/XX/XXXX. The management company was aware and accepted this as a legal form of payment for my rent. I used this program for 2 years following The Covid-19 Pandemic. I was supposed to transfer to a housing choice voucher funded by the state of PA. The complex was sold to another property management company during the 2nd year of me leasing the unit. Suddenly they did not accept my voucher and began charging me for the full rental amount of $ XXXX. 
I had no time to look for somewhere else to live and also at this time, I began experiencing severe mental health issues, specifically XXXX XXXX XXXX and XXXX. I was also experiencing XXXX XXXXXXXX issues. A XXXX was issued against defendant. 
I tried paying my rent as best as I could but I am low income. I was pregnant and was working as much as I could physically handle. 
I fell behind and was taken to court to be evicted. I'm not even sure how this ended up on my credit report. This was an issue on their end. Everyone knew and was I agreement of my county funded voucher and it is not my fault that they decided not to accept my HCV ( Hkusing choice voucher ) after 2 years of living there with a voucher. 
I no longer have access to the voucher documents because I no longer have the voucher. I do not have my original lease either. Rolling green property management can provide the receipts of payment and from whom the rent was paid. I only paid a very small portion of the rent, myself, directly to the company online through a resident portal. They, XXXX XXXX, should provide you with the records indicating that XXXX XXXX was paying the remaining {$1000.00} per month. I believe my lease started XX/XX/XXXX and I was evicted XXXX. 
This is a substantial account of over {$5000.00} and it had destroyed my credit. I don't believe what they have done is fair. To add, I was experiencing XXXX XXXX at the time of eviction and according to State law, I should not have been evicted under those circumstances. 
I can not even apply for a FHA loan due to the devastation this has caused to my credit report. 
I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

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

1681c2 ) that you, the Experian 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 Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX Balance : {$930.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1200.00} 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, 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 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
In XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX , XXXX that in XX/XX/XXXX of XXXX they tried to collect a debt from a credit card called XXXX for the amount of {$5200.00} they said that they delivered it to my sister and that they also sent papers by mail and since they never received a response, they submitted an affidavit to the NY court, on XX/XX/XXXX, I was summoned to the court in XXXX  and I pleaded not guilty The court gave me 4 months to find proof of address that I never lived with my sister hose by the year XXXX and when I read the evidence that the plaintiff have again me I realized that this was identity they and that this is a scam I immediately went to the police and filed a report of identity theft, and I have a notarized letter from my sister saying that I have never lived with her but it is very hard to obtain a letter from the XXXX because many years have passed, on XXXX XXXX, I went to court and presented my evidence, and the court said it would make a decision in two months.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute letter requesting the removal of an inaccurately reported 30-day late payment in XX/XX/XXXX, which is only being reported by Equifax. 

The letter was mailed with tracking number XXXX and was received on XX/XX/XXXX, at XXXX XXXX. Since that date, more than 30 days have passed, and I have not received a response nor any evidence of a reasonable investigation. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation within 30 days of receiving a dispute and provide the consumer with the results. Failure to comply with this requirement is a direct violation of my rights as a consumer. 

Evidence attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
i noticed some fradulent accounts on my credit reports

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 2025-09-02 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. 
1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-02 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: SC

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 : INQUIRIES : XXXX XXXX XXXX  XXXX Date : XX/XX/year> 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 explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX, XXXX Attn : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Notice of Dispute Account No. XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is a formal demand for the immediate investigation and correction of inaccurate, unverifiable, and potentially fraudulent reporting of the above-referenced account. Your continued furnishing of this negative information to the credit reporting agencies is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal and state laws. 
I hereby dispute ALL negative reporting related to this account for the following reasons : You have failed to provide legally sufficient documentation, such as a signed, original agreement establishing this debt. 
You have failed to demonstrate that you are the holder in due course or that you have legal standing to enforce this alleged debt under UCC 3-301. 
Any reporting of charge-off, delinquency, or other derogatory information without full proof of claim is unverified and unlawful under 15 U.S.C. 1681s-2 ( b ). 
By continuing to report this information without proper verification, you are engaging in defamation of character and intentional infliction of financial harm. 
I am invoking my rights under UCC 1-308 to reserve all rights without prejudice. This letter serves as your legal notice to : Immediately investigate and validate this account by providing : The original signed agreement or application bearing my signature. 
A full accounting of the alleged debt, including itemized charges, interest, and payments. 
Proof of your legal authority to report or collect on this account. 
Cease and desist all collection activity and negative reporting until this dispute is resolved. 
Delete this account from all credit reports if you can not fully validate the debt with legally admissible evidence within 30 days of receipt of this notice. 
Failure to comply will leave me no choice but to escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Office of the Attorney General, and the IRS. 
Im also considering filing a lawsuit to recover damages under 15 U.S.C. 1681n and 1681o. 
This is my good-faith attempt to resolve this dispute without litigation. Reporting this to the IRS. I expect your full written response within the time allowed by law. 
Notice : I reserve all rights under UCC 1-308. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am a documented victim of identity theft. I submitted FTC Identity Theft Reports ( # XXXX & # XXXX ), XXXX Police Reports ( # XXXX & # XXXX ), and a DOJ Victim Notification ( Case # XXXX ) confirming my fraud victim status. Despite this, American Express account # XXXX ( charge-off {$18000.00} ) which had been previously deleted under FCRA 605B was reinserted into my XXXX  credit report in XX/XX/XXXX without proper certification or notice. 

This account is fraudulent, unauthorized, and unverifiable. I never applied for, opened, or benefited from this account. 

FCRA & FDCPA Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) : CRAs and furnishers must block identity theft accounts within 4 business days. 

FCRA 611 ( a ) ( 5 ) ( B ) : Deleted accounts can not be reinserted unless the furnisher certifies accuracy AND the CRA notifies the consumer within 5 business days. Neither occurred here. 

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information known to be inaccurate. 
FCRA 623 ( b ) ( 1 ) : Furnishers must conduct reasonable investigations after receiving disputes. 

FCRA 607 ( b ) : CRAs must ensure maximum possible accuracy ; XXXX  failed by re-reporting a known fraudulent account. 

XXXX XXXX Guidelines 6.14.1 : Amex continues to report a balance after charge-off ( {$18000.00} ), which is a structural reporting violation. 

FDCPA 809 ( b ) : If Amex or its collectors pursue collection without validating the debt, it violates federal law. 

Case Law : XXXX XXXX XXXX  ( XXXX ) CRAs/furnishers must perform independent investigations ; XXXX XXXX XXXX XXXX XXXX ( XXXX ) re-reporting inaccurate tradelines after dispute = willful noncompliance. 

Harm Suffered Lowered credit scores due to unlawful reinsertion. 
Credit denials and financial harm from derogatory tradeline. 
Emotional distress and reputational harm caused by Amexs unlawful reporting. 
Loss of time and resources spent disputing, gathering evidence, and filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-02 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Experian 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  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXXXXXX XXXX-Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, 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 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