vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( Columbia Debt Recovery ) regarding a debt they have reported to credit bureaus without proper documentation or validation. 

On XX/XX/year>, I gave proper 60-day written notice to XXXX XXXX Apartments in XXXX XXXX that I was vacating due to my daughters medical emergency. A year later, this alleged debt of over {$9000.00} appeared without warning and was immediately placed with XXXX XXXX 

I disputed the debt and provided email documentation of the 60-day notice, which the agency refused to acknowledge. They were also hostile and threatening during communication. My attorney sent a letter requesting resolution, but the agency reported to the credit bureaus in the meantime, dropping my credit score over XXXX points. 

I have been attempting to resolve this for three years, to no avail. XXXX XXXX has a reputation for this behavior. I request investigation and removal of this account from my credit reports with XXXX XXXX XXXX XXXX, as this debt was improperly handled and is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Let me be clear : this complaint is not a mistake or a misunderstanding. My credit report contains serious inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial standing and personal well-being.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Let me be clear : this complaint is not a mistake or a misunderstanding. My credit report contains serious inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial standing and personal well-being.

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 2025-04-21 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: CA

Complaint narrative:
my initial complaint was the Experian has a late mortgage payment from over 7  years ago still listed on my credit report. I filed a complaint with the CFPB, XXXX since then the following has occurred : 1 ) Experian has not mailed me a copy of my credit report 2 ) I received an email from Experian to logon to view the status of my complaint. I logged on and received the message that I must telephone. I did so and the computer would not put me through to a person, nor, provide the information. 
4 ) Experian emailed me that, " According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information..... '' HOWEVER, Experian failed to mention that per the FCRA, and taken from the US Government site, https : //files.consumerfinance.gov/f/documents/bcfp_consumer-rights-summary_2018-09.pdf they, " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old,.....

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Aqua Finance, Inc.
State: CO

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the issuance of Form 1099-C, Cancellation of Debt, for the account associated with [ Your Account Number or Loan Number ] in accordance with the requirements set forth by the Internal Revenue Code ( IRC ) and the regulations governing debt cancellation.

According to IRC Section 6050P, creditors are required to report the cancellation of debt of {$600.00} or more to the IRS and to the debtor by issuing Form 1099-C. Specifically, under IRC 108 and Treasury Regulation 1.6050P-1, any forgiveness of debt or cancellation of indebtedness resulting in income for the debtor must be reported on this form.

In light of this, I kindly request that you provide me with Form 1099-C for the cancellation of the debt associated with my account. As stipulated by the IRS, a creditor is obligated to issue this form by XX/XX/XXXX of the year following the cancellation of debt, and I would appreciate your prompt attention to this matter in order to ensure compliance with federal reporting requirements. 
If additional information is required to process my request, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. I look forward to receiving the required form at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint regarding an issue with a gift card and the unauthorized application of a store credit account. 

In XX/XX/XXXX, I received a XXXX XXXX gift card worth approximately {$110.00}, which I used at a physical store. I made my purchase and paid using the gift card. However, the cashier processed the transaction through a store credit card without my consent. When I asked, I was told the charge would be reversed and properly paid with the gift card, and that I didnt need to worry about using the credit card. 

One month later, I received a notice for {$3.00}. with a due date of XX/XX/XXXX. I received it on XX/XX/XXXX, went to the store the same day, and paid it. I was told there was no remaining balance. 

On XX/XX/XXXX, I was notified that my credit history had been affected. After checking, I found a debt of {$270.00} linked to that credit account, which I never knowingly used or authorized. 

I respectfully request an urgent investigation, removal of this erroneous balance, and correction of the negative credit report. 

Thank you for your attention and assistance. 

-- -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
When the property was assigned to BofA XXXX XXXX XXXXXXXX XXXX XXXX it was sold XXXX XXXX XXXX under a control number assigned which is XXXX no one has answered the questions that I asked and was not given.XXXX XXXXXXXX XXXX XXXX party involved.The next time I just received that my loan was sold or transferred to a Shellpoint Mortgage Servicing while the investigation was on going with the XXXX XXXX XXXX and XXXX XX/XX/XXXX We were told that the property was sold for XXXX dollars by XXXX XXXX XXXX XXXX XXXX XXXX now faced with FTC to XXXX the Limited Private XXXX XXXX XXXX XXXX XXXX XXXX my property reinstate and that an investigation that is ongoing be satisfied by the XXXX XXXX XXXX XXXX Bank of America has assigned 2 persons in which we were told working on our case and that the property was off market until the process was completed.The investigation has been compromised and sold out to a Shellpoint Mortgage with a new loan number and now property was sold for XXXX dollars by XXXX XXXX XXXX XXXX XXXX. The FTC and the XXXX XXXX XXXX investigation is ongoing. Please allow me to reinstate my property loan as we move forward in the actuality of criminal intent by XXXX mortgage companies.

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 2025-04-21 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:
THESE HARD INQUIRIES ARE FRAUDULENT AND DOESN'T BELONG TO ME, NEED TO BE REMOVED. ALSO THE NEST AS WELL. 
THANKS XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 non-monetary relief
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I disputed credit control which in return cease collection and return account to XXXX XXXX both which are reporting on my credit for the same amount which is a violation of my rights 15 U.S.C 1692 To Whom It May Concern : I am writing in regard to your attempts to collect a debt, referenced as account number [ Insert account number if known ]. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby request that you cease and desist all communication with me regarding this alleged debt.

Please note that continued contact from your agency may constitute a violation of federal law and can result in legal action being taken against you. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and messages to third parties. The only exceptions permitted by law are notices regarding specific legal actions you intend to pursue.

Please also consider this letter a formal dispute of the alleged debt unless it has already been validated in accordance with 15 U.S.C. 1692g.

I request written confirmation that you have received and complied with this cease and desist

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 2025-04-21 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN, XXXX [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Request for Debt Validation and Removal of Inaccurate Items from Credit Report To Whom It May Concern, I am submitting this formal complaint and request for assistance regarding the inaccurate and unverified debt items currently being reported on my credit report. These items are causing serious harm to my credit standing, and I believe they may be in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The specific account ( s ) in question are as follows : Creditor/Debt Collector : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : XXXX XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : [ XXXX ] Amount : XXXX XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] I formally dispute the validity and accuracy of this debt and request full debt validation and documentation, including : XXXX. A complete breakdown of the debt and how the amount was calculated. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Verification that the reporting agency is legally authorized to collect or report this debt. 
XXXX. The chain of assignment or ownership of the debt. 
XXXX. Proof that the account is being reported in accordance with federal law. 

Despite attempts to resolve this directly with the credit bureaus and/or the debt collector, I have not received sufficient validation or documentation. Therefore, I am requesting the CFPB investigate this matter and ensure the removal of this inaccurate information if the creditor or collector can not validate the debt as required by law. 

I respectfully request that this matter be thoroughly investigated, and if the debt is found to be unverified or inaccurately reported, that it be removed from my credit profile immediately. 

Thank you for your time and assistance. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN, XXXX [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Request for Debt Validation and Removal of Inaccurate Items from Credit Report To Whom It May Concern, I am submitting this formal complaint and request for assistance regarding the inaccurate and unverified debt items currently being reported on my credit report. These items are causing serious harm to my credit standing, and I believe they may be in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The specific account ( s ) in question are as follows : Creditor/Debt Collector : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : XXXX XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : [ XXXX ] Amount : XXXX XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] Creditor/Debt Collector : [ XXXX XXXX ] Account Number : [ XXXX ] Amount : [ XXXX ] Date Opened/Reported : [ XX/XX/XXXX ] I formally dispute the validity and accuracy of this debt and request full debt validation and documentation, including : XXXX. A complete breakdown of the debt and how the amount was calculated. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Verification that the reporting agency is legally authorized to collect or report this debt. 
XXXX. The chain of assignment or ownership of the debt. 
XXXX. Proof that the account is being reported in accordance with federal law. 

Despite attempts to resolve this directly with the credit bureaus and/or the debt collector, I have not received sufficient validation or documentation. Therefore, I am requesting the CFPB investigate this matter and ensure the removal of this inaccurate information if the creditor or collector can not validate the debt as required by law. 

I respectfully request that this matter be thoroughly investigated, and if the debt is found to be unverified or inaccurately reported, that it be removed from my credit profile immediately. 

Thank you for your time and assistance. 

Sincerely, [ 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 2025-04-21 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC
State: SC

Complaint narrative:
I did not authorize these inquiries, please remove these inquiries immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX INQUIRIES XXXX  - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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