vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I sent this and received nothing To Whom It May Concern, I am in receipt of your reporting of an alleged debt in the amount of approximately {$3000.00} connected to XXXXXXXX XXXX XXXX This letter is a formal request for validation of the debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ).

You are hereby notified of the following : 1. Provide a copy of the original signed lease agreement that establishes I am contractually responsible for the alleged debt.

2. Provide a complete itemized statement of the charges that make up the balance claimed.

3. Provide documentation showing your legal right to collect this debt, including assignment or ownership details.

4. Provide evidence that the alleged debt is within the statute of limitations for collection under Texas law.

Be advised : until proper validation is provided, you must cease all collection activity, including credit reporting. Any continued collection efforts without validation will constitute a violation of the FDCPA and may subject you to damages in civil court.

I dispute this debt in its entirety. Please note that the enclosed lease agreement shows my actual lease term as XX/XX/XXXX through XX/XX/XXXX. I vacated the property on XX/XX/XXXX. The balance you claim is therefore inaccurate. 

Unless full and proper validation is provided within the time required by law, I demand that this tradeline be deleted from all credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by 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 2025-08-21 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FISERV FINXACT CORE
State: LA

Complaint narrative:
I am writing to formally dispute and demand the removal of any negative or inaccurate information in my TeleCheck file that is preventing me from cashing checks or opening accounts. This is not only inaccurate, but it is also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the protections afforded to me under federal XXXX  law. 

On XX/XX/year>, I filed for XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX, and I received a discharge of debts. Under 11 U.S.C. 524 ( a ) ( 2 ), this discharge serves as a permanent injunction against the collection of discharged debts and prohibits any action that attempts to treat such debts as valid. If any entries in my TeleCheck file relate to debts that were discharged in XXXX, they must be removed immediately, as continued reporting is inaccurate and unlawful.

Additionally, under the FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), TeleCheck is required to maintain maximum possible accuracy in consumer reports. If you can not provide signed, documented proof that any negative item you are reporting is both valid and still legally enforceable post-XXXX, you must delete it from my file. 

This is not the first time I am raising this issue. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to reinvestigate and respond within 30 days. Failure to comply will be deemed willful noncompliance, making TeleCheck subject to damages under FCRA 616617 ( 15 U.S.C. 1681n, 1681o ). 

My demands are as follows : 1. Remove all negative and inaccurate information associated with discharged debts.

2. Provide me with the full source, name of furnisher, and documentation for any remaining negative entries.

3. Correct my file so that I am not unfairly denied the ability to cash checks or open accounts. 

Enclosed are copies of my government-issued identification, and proof of current address. 

If this matter is not resolved within 30 days of receipt, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing legal remedies for your continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMorgan Chase Bank is inaccurately reporting the Date of First Delinquency ( DOFD ) on a charged-off account. The true DOFD was in XXXX, but Chase is re-aging the account by reporting more recent delinquency notations in XXXX and XXXX. This practice is a violation of the Fair Credit Reporting Act, 623 ( a ) ( 5 ), which prohibits furnishers from altering or misrepresenting the DOFD in order to extend how long negative information remains on a consumer report. I am requesting that JPMorgan Chase immediately correct the DOFD to reflect the original delinquency in XXXX and remove any re-aged derogatory notations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am disputing a charge of XXXX XXXXXXXX with XXXX XXXX XX/XX/year>. 

The merchant offered me a full refund before shipping, which I accepted. Despite this, the merchant shipped the item afterward and never issued the refund. 

I filed a dispute with my card issuer, but they denied it, saying the transaction as 'no error occurred " because the merchant showed proof of delivery. This is incorrect. I am not disputing the original purchase authorization. I am disputing the fact that the merchant failed to honor the refund agreement. 

This should be handled under the correct dispute category of Credit Not Processed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My issuer misclassified my dispute and refused to process it properly. 

I request that my issuer reopen the case under the correct category and issue a reversal of {$330.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX ( Account # XXXX ) has confirmed in writing that they have terminated collection efforts and requested deletion of their tradeline with all three credit bureaus. However, this account is still showing on my credit report. Since the furnisher has already complied with deletion, I am requesting that this tradeline be immediately removed from my credit file. If this deletion is not completed, I will escalate the matter to the CFPB, FTC, my State Attorney General, and other higher authorities for enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
XXXX XXXX XXXX ( Account # XXXX ) has confirmed in writing that they have terminated collection efforts and requested deletion of their tradeline with all three credit bureaus. However, this account is still showing on my credit report. Since the furnisher has already complied with deletion, I am requesting that this tradeline be immediately removed from my credit file. If this deletion is not completed, I will escalate the matter to the CFPB, FTC, my State Attorney General, and other higher authorities for enforcement.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
The furnisher, Oliphant Financial, is inaccurately reporting a collection account on my credit file. Specifically, they have failed to furnish the required Date of First Delinquency ( DOFD ) as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 623 ( a ) ( 5 ).

This omission is a direct violation of the FCRA and makes the tradeline misleading and materially incomplete. Without the DOFD, the account is effectively being re-aged and reported beyond the permissible 7-year reporting period established under 15 U.S.C. 1681c. This is unlawful, unfairly damages my creditworthiness, and creates the false appearance of more recent delinquency than actually occurred.

I have disputed this information, but the furnisher continues to report the account without correcting or providing the required DOFD. This ongoing violation of the FCRA causes continued harm to my credit profile and impedes my ability to access fair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
AS per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am I a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.XXXX  Date Opened : XX/XX/XXXX Bureaus : TransUnion XXXX  Date Opened : XX/XX/XXXX Bureaus : TransUnion XXXX XXXX XXXX Opened : XX/XX/XXXX Bureaus : TransUnion XXXX XXXX  Date Opened : XX/XX/XXXX Bureaus : TransUnion XXXX Date Opened : XX/XX/XXXX Bureaus : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180000.00} Bureaus : TransUnion XXXX XXXX XXXXXXXX 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 2025-08-21 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the accounts in question includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting account without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
This complaint is regarding the companys failure to validate an alleged debt as required by FDCPA 15 USC 1692g ( b ) and CFPB Regulation F. I requested detailed documentation including the original contract and proof of ownership, but received no legally sufficient response. Case law like XXXXXXXX XXXX XXXX XXXXXXXX requires debt collectors to substantiate debts beyond simple claims. Continued collection or credit reporting without validation violates FDCPA and may breach FCRA under XXXXXXXX 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 2025-08-21 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: TX

Complaint narrative:
Since XX/XX/year>, I have filed multiple certified disputes with TransUnion regarding inaccurate and incomplete reporting. Despite this, errors remain : A closed XXXX lease continues to show as open, with duplicate entries. 

Several tradelines are missing required fields such as terms, payment amounts, and limits, creating misleading derogatory indicators. 

My paid XXXX account is omitted entirely, suppressing positive history. 

TransUnion continues to report false addresses, even while mailing dispute responses to my correct address. 

Accounts like XXXX XXXX show delayed updates compared to other bureaus. 

These issues trigger false derogatory factors in my FICO score, lowering my creditworthiness. TransUnion has failed to correct these errors after repeated disputes, causing ongoing harm.

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 2025-08-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> - Balance {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am with credit acceptance financing a car from them and Ive been financing from them since XXXX  and they have been getting over on me with my payments in my car and now they are threatening to take my car to repossess it and I have put so much money towards this car. I feel like they sold me a broke down car

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 monetary relief