vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) to address discrepancies on my credit report with the three major credit bureaus ( Equifax, Experian, and TransUnion ). I request a full investigation into the following items, and if any information can not be verified, I respectfully ask that it be corrected or removed as required by the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute : XXXX XXXX Account XXXX : XXXX Reported : XX/XX/XXXX Balance : {$310.00} Dispute : The information on this account is inaccurate. Please verify and correct any discrepancies. 

XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The information regarding this account is incorrect. Please investigate and remove or update accordingly. 

Inquiries in Dispute : XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 

XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 

XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 

XXXXXXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 

XXXXXXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 

XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 

XXXX XXXX XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 
TransUnion ( XXXX ) : XXXX XXXX XXXX Account Number : XXXX Dispute : The late payment is inaccurately reported. Please verify and correct any discrepancies.

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 2025-11-03 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: CA

Complaint narrative:
XXXX Accounts in Dispute XXXX XXXX, Account XXXX. XXXX, Date Opened : XXXX XXXX XXXX XXXX, Account No. XXXX, Date Opened : XXXXXXXX XXXX XXXXXXXX XXXX, Account No. XXXX, Date Opened : XXXX I dispute the accuracy and completeness of all charged-off account information listed above. Please conduct a full reinvestigation, provide supporting documentation from the original creditor, or delete these accounts as required under FCRA 611. 

Late Payment Accounts XXXX XXXX XXXXXXXX, Account No. XXXX The reported late payments are inaccurate and not supported by proper documentation. Please investigate and correct or delete the unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
Charged-Off Accounts XXXX XXXX, Acct # XXXX, Reported XX/XX/XXXX, Balance {$380.00} XXXX, Acct # XXXX, Reported XX/XX/XXXX, Balance {$3400.00} XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, Reported XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX, Acct XXXX XXXX, Reported XX/XX/XXXX, Balance {$830.00} XXXXXXXX XXXX XXXX, Acct XXXX XXXX, Reported XX/XX/XXXX, Balance {$960.00} XXXX XXXX XXXX, Acct XXXX XXXX, Reported XX/XX/XXXX, Balance {$38000.00} These accounts may not have been properly validated or are reported inconsistently across bureaus. Please verify or delete if inaccurate. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please confirm that these inquiries were authorized. If no record of consent exists, they should be removed. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the reported late payments on these accounts and request documentation or removal if verification can not be completed.

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 2025-11-03 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: LA

Complaint narrative:
I am disputing the following inquiries that were made on my credit report. I believe these inquiries are either unauthorized or inaccurately reported. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Inquiries : XXXXXXXX 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 2025-11-03 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: LA

Complaint narrative:
I am writing to dispute the following accounts, which I believe are reported inaccurately. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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 to dispute inaccurate and incomplete information being reported on my credit reports. I request that the following accounts be investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any of these items can not be verified, I request that they be removed from my credit report. Below are the disputed accounts, separated by each credit bureau : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$820.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7100.00} XXXX XXXX XXXX Account XXXX : XXXX * XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$1600.00}

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 non-monetary relief
Consumer complaint received 2025-11-03 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:
I am disputing the following accounts on my Experian credit report, as they contain inaccuracies or discrepancies. I request that these accounts be investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my report. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 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:
I am writing to file a dispute with the credit reporting agencies regarding the following accounts that I believe have been inaccurately reported on my credit report. I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any of the information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing several accounts on my Equifax credit report. The following items need to be addressed : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CT

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information appearing in my credit file. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of disputed items and delete any data that can not be verified or that exceeds lawful reporting limits. 
Please investigate and delete the following accounts from my TransUnion report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date last active : XX/XX/XXXX o This account is over 7 years old and should no longer appear under 605 ( a ) ( 5 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date last active : XX/XX/XXXX o This entry is obsolete and inaccurately listed as open. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX. Duplicate of above with inconsistent data. Violates 607 ( b ) maximum possible accuracy.

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 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am submitting this complaint regarding Columbia Debt Recovery, LLC ( doing business as Genesis Credit Management ) due to their continued failure to properly investigate and respond to my documented dispute, as well as their lack of communication despite multiple follow-ups. 

On XX/XX/year>, I received notice from Columbia Debt Recovery about a debt allegedly owed to XXXX XXXX I promptly emailed their office to clarify that while I accepted responsibility for a portion of the balance, I disputed certain move-out charges that appeared inaccurate. I attached documentation supporting my position and explained that I had also reached out to the former property management company but received no response. 

Despite submitting my dispute through email and their online portal, I did not receive any meaningful response. Instead, the company reported the debt to the credit bureaus without addressing my dispute or acknowledging my communications. 

Weeks later, after reporting a complaint to XXXX I received a response through the XXXX XXXX XXXX  stating that the debt had been verified. However, the attached proof consisted of photos that were not time-stamped and provided no indication they were taken after my move-out or that they accurately reflected the condition of my unit. I followed their instruction to send any further documentation to their compliance email address, which I did, and followed up twice more. To date, I have received no acknowledgment or reply to those follow-ups. 

Given their ongoing lack of communication and the questionable verification provided, I am requesting that Columbia Debt Recovery issue a revised pay-for-delete agreement to resolve this matter. I am offering {$350.00} as a fair settlement amount to satisfy the account and delete the tradeline from all credit bureaus. This amount is more than the accurate portion of the debt I believe is legitimately owed and represents a good-faith effort to reach closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IN

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of XXXX Date : XX/XX/year> Company : Transunion ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Verification To Whom It May Concern, I mailed a dispute letter to Transunion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Transunion that was issued by them on XXXX XXXX that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do its job and conduct a proper investigation on the accounts I am trying to dispute. And as additional proof, I will include a copy of my XXXX card and my driver 's license. 

XXXX XXXX XXXX  Proof of Identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Proof of Current Address * * Proof of Billing These documents confirm my identity and my current address at : Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I respectfully request that my dispute be processed and the inaccurate information on my credit file be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm receipt of this response and let me know if any further information is needed. Thank you for your attention to this matter. 

Sincerely, Name : 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 2025-11-03 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:
Please go through the enclosed information, as these inquiries were made without notice and could be unauthorized.

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 2025-11-03 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-03 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:
I disputed a collection account online from XXXX XXXX  and submitted a letter from my attorney, but Experian has refused to remove it. When I spoke with an agent, I was told that the debt collector is reporting the information as accurate, which it is not. We also attempted to dispute the matter directly with the debt collector, but they were uncooperative and rude. XXXX XXXX was hired by the original creditor, The XXXX XXXX, a property management company acting as an agent for the landlord of our former apartment complex. The XXXX XXXX claimed we owed {$1000.00} for cleaning expenses after we vacated the unit in XX/XX/2025. However, The XXXX XXXX failed to comply with California Civil Code 1950.5, which governs the handling of security deposits. Therefore, neither The XXXX XXXX nor XXXX XXXX has the legal right to collect this alleged debt under Californias Fair Debt Collection Practices Act ( the Rosenthal Act, Civil Code 1788 et seq. ) or Californias Unfair Competition Law ( Business & Professions Code 17200 et seq. ). Please see the attached letter from my attorney for reference.

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