vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Saturday XX/XX/XXXX, an individual messaged me from : XXXX ( XXXX ) XXXX. I was looking to buy a camera from them. They sent videos of it working and I thought it was legitimate. He sent a photo of himself holding a Georgia Driver 's License to prove that he could be trusted. He asked for address to send it to and a name. The individual then sent pictures of themself driving to the post office and being in the store getting the shipment prepared. That same day I XXXXXXXX XXXX {$570.00} to XXXX ( XXXX ) XXXX who he claimed was his girlfriend. He claimed that they had " froze her account '' and that he needed the money for XXXX. He begged that I send {$550.00} to his " father '' at XXXX ( XXXX ) XXXX and that he would send back the first payment I made on Monday because " she have to come in on Monday '' to talk to the bank. Unfortunately, I believed his story about urgently needing the money to pay for XXXX  and sent a transfer to his " father '' I spoke with Navy Federal the next day and they told me I'd have to wait until the transfer posted on my account before I could file a dispute. I had finally understood that this was a scam only after. After I waited and filed a claim with them, they denied it saying that there was no error that occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
I am submitting this complaint against Aldous & Associates for failure to comply with federal debt collection laws under the FDCPA and Regulation F.

Aldous & Associates contacted me regarding an alleged debt tied to account : XXXX XXXX. However, they failed to send me a legally required written debt validation notice within XXXX ( XXXX ) days of their initial communication, as required under 15 U.S. Code 1692g ( a ) and 12 CFR 1006.34 ( Regulation F ).

I never received a validation notice including the amount of the debt, the name of the current creditor, my XXXX dispute rights, or my right to request the original creditor. No itemization of the debt was provided. No mailing confirmation, delivery log, or timestamped document has been submitted proving that a notice was ever sent. 
I formally disputed the debt and requested proof of compliance, including the exact date/time the notice was sent, a copy of the validation letter, and proof of ownership of the alleged debt. As of today, Aldous & Associates has failed to provide any of the requested documents.

If they are reporting this debt to any consumer reporting agencies without first complying with Regulation F, that also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for furnishing inaccurate or unverified data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
It shows that I have been contacted, when I've talked to no one.

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

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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 had a lease agreement for a certain amount of months. I paid every month of contract XXXX month after because I failed to notify that I would not renew a month prior. At that time was my notice that I would leave the next month. I was charged for 2 months extra. I paid 1month, but the 2nd month in unwarranted and a dishonest tactic that should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate and fraudulent personal information that is currently being reported on my credit file. Specifically, the following names and addresses are incorrect and do not belong to me : INCORRECT NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This erroneous information creates a serious risk of identity confusion and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). By reporting false and fraudulent identifiers, the credit reporting agencies are failing to maintain maximum possible accuracy of my credit file. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am demanding the immediate removal and permanent blocking of all the incorrect personal information listed above.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must promptly investigate and correct inaccurate personal information.

Under 15 U.S.C. 1681c-2 ( a ), I have the right to block the reporting of information resulting from fraud or identity misuse.

Under 15 U.S.C. 1681e ( b ), agencies are required to maintain only accurate and verifiable information.

Because this false information is fraudulent and harmful, I demand that it be completely removed within 4 business days. I also request written confirmation of the deletion. Automated or generic responses will not be considered acceptable.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
the inquires remained and they stated that they will stay on my credit report.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
I am disputing the way my account is being reported because it does not comply with XXXX reporting guidelines or the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611.

The furnisher is reporting inconsistent and inaccurate information that does not meet XXXX standards for uniformity and 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 non-monetary relief
Consumer complaint received 2025-09-09 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: GA

Complaint narrative:
In XX/XX/year>, the creditor began reporting XXXX late payments on my student loan without informing me that my private student loan had gone into repayment in XX/XX/year>. I was enrolled full time in school in XXXX and had I been notified then I would have sent documentation to prevent this situation. As a medical student I am now unable to access additional loans for this upcoming semester due to the adverse marks on my credit report.

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 2025-09-09 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:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XX/XX/1982, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate XXXX Account Number : XXXX Please remove it from my credit report. 

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 ( FTC Number ) XXXX 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
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NV

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

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

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to XXXX XXXX. XXXX. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : Unknown- XXXX In accordance with XXXX XXXX. XXXX, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account XXXX be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MD

Complaint narrative:
I reported to the XXXX credit bureaus that i was never notified of any changes hat would be made to my loans etc. and was incorrectly charged late fees that have affected my credit. 

I have requested using the attached. Nothing was sent to me and I have requested so many times. I submitted online and utilized the document attached! 


this dates back to the years XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-09 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: MO

Complaint narrative:
I am submitting this complaint against Reliant Capital Solutions for failure to comply with federal debt collection laws under the FDCPA and Regulation F. 

XXXX XXXX XXXX contacted me regarding an alleged debt tied to account : XXXX XXXX XXXX XXXX However, they failed to send me a legally required written debt validation notice within XXXX ( XXXX ) days of their initial communication, as required under 15 U.S. Code 1692g ( a ) and 12 CFR 1006.34 ( Regulation F ). 

I never received a validation notice including the amount of the debt, the name of the current creditor, my XXXX dispute rights, or my right to request the original creditor. No itemization of the debt was provided. No mailing confirmation, delivery log, or timestamped document has been submitted proving that a notice was ever sent. 

I formally disputed the debt and requested proof of compliance, including the exact date/time the notice was sent, a copy of the validation letter, and proof of ownership of the alleged debt. As of today, Reliant Capital Solutions has failed to provide any of the requested documents. 

If they are reporting this debt to any consumer reporting agencies without first complying with Regulation F, that also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for furnishing inaccurate or unverified data.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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