vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
I am filing a formal complaint against Equifax and the collection agency XXXX XXXX XXXX regarding a {$130.00} collection account reported by XXXX. 

Equifax continues to report this account on my credit file even though I was NOT notified in advance, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 7 ) ), a furnisher must notify the consumer at least 30 days before reporting a delinquent account to a credit reporting agency. This did not happen in my case. 

The debt was assigned to the collection agency in XX/XX/XXXX but was not reported to Equifax until XX/XX/XXXX. During this time, I received no written notice, calls, or any opportunity to resolve or dispute the matter prior to it negatively impacting my credit. 

This failure caused unnecessary and unjust damage to my credit report and score, limiting my ability to access housing, financing, and employment opportunities. It constitutes an unfair and harmful practice against me as a consumer. 

I filed a dispute with Equifax, but the account was marked as verified as reported despite clear evidence that my consumer rights under the law were not upheld. 

I am requesting : - That this collection account be removed from my credit report, - That an investigation be conducted into the practices of XXXX XXXX XXXX for reporting without proper notice, - That steps be taken to restore and repair the damage caused to my credit profile. 

Supporting documents are attached, including : - The official dispute result from Equifax - Documentation showing the delayed reporting and lack of notification Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am disputing a rental debt being reported by Columbia Debt Recovery LLC ( Genesis ) that I believe is inaccurate and unverified. 

The debt appears on my credit report, but I have no record of receiving a proper validation of this debt. I initially disputed the debt on XX/XX/year>2025 and followed up with additional disputes on XX/XX/year>2025 and XX/XX/scrub> 2025 I also contacted Columbia Debt Recovery directly and requested full validation of the debt, including a signed lease, an itemized breakdown of charges, and documentation proving their legal authority to collect. To date, they have not provided any of this. 

Despite my repeated requests, this debt remains on my credit report and continues to negatively impact my credit standing. I sent formal letters requesting validation and also submitted disputes to all three credit bureaus, but the debt was verified without proper documentation being provided to me. 

As of XX/XX/XXXX, 2025I have still not received the required proof. I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that disputed information be properly investigated and verified before it is reported. 

I am requesting that this debt be removed from my credit report until full validation is provided and that Columbia Debt Recovery be held accountable for continuing to report unverified and disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Account number XXXX with SYNCHRONY networks SYNCB reporting charge off, balances and late payments well after this account was XXXX in a chapter XXXX bankruptcy. This company has continued to violate my consumer rights and have ignored my request to correct the false reporting. The bankruptcy was XXXX in XXXX of XXXX, there should be no charge off reporting on an account that was XXXX 3 years ago. This creditor updated the account, added a fake balance, late payments and marked this account as a charge off. When I requested a copy of the 1099 C I was ignored. This company is ignoring bankruptcy laws and continuing to falsely report a balance, charge off and late payments in an account that I am not responsible for due to account being discharged in bankruptcy.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received a new credit notification alert via XXXX. I logged in and noticed that on XX/XX/year>, an inquiry was made to ComenityCB/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH. On XX/XX/year>, an inquiry was made to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. I called the ( XXXX ) XXXX number and the representative did not want to assist me as I was unable to provide her with the phone number used for the inquiry. Since I didn't know the phone number, the representative stated that she couldn't assist me. I then called the XXXX restoration team at ( XXXX ) XXXX and was advised to place a freeze on my account and that I would be contacted within 48 hours. On XX/XX/year>, another inquiry was made to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. I have placed a freeze on my account and don't know who is doing this. I do not have any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This account is over 10 years old from the original date of delinquency and is obsolete under FCRA 605 ( a ) ( 5 ).

Under the Fair Credit Reporting Act ( FCRA ), obsolete accounts must be removed. 
Equifax. XXXX XXXXXXXX {$2100.00} refused to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I asked him to send me a verification letter with my signature. They failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Issue : I believe I was misled during the purchase and financing of a used vehicle at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

Details : On XX/XX/XXXX, I entered into a Retail Installment Sales Contract for a used XXXXXXXX XXXX XXXX The APR was disclosed as 17.79 %, which is extremely high, and I was charged over {$5000.00} in optional add-ons, including Tire & Wheel protection, Appearance Protection, and a Service Contract. I was not clearly informed that these were optional they were presented as requirements to get financing. 

I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Complaint ID # XXXX ). The dealer never responded, despite multiple XXXX  follow-up requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY A {$680.00} Dont know what this is please try to take this off thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
They are trying to contact me for two different loans that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: ME

Complaint narrative:
I have been attempting for over a year to pay this credit card. I originally made a payment arrangement with this company and complied with XX/XX/year> payments owing only {$140.00} of the original agreement amount. Discussed with the company the reason for missed payment was due to fleeing and abusive marriage, divorce etc, made another arrangement with them and got approved for a debt consolidation loan to take care of the full amount. My lender required proof of arrangement from mercury card and they refused to send the agreement electronically only by mail. I called after a week and a half of waiting for this letter and was told it was never sent and that they would still not provide the lender a payoff or any type of verfication for this account but would mail another letter by mail, have not received that one either. Should I not receive this letter or any communication to the lender this will unfortantly disqualify me for the debt consolidation loan. This company for over a year has made it very difficult to make any payoffs toward this debt resulting in {$0.00} credited to my account after paying them over {$700.00} for the original payment arrangement made. This company is refusing to work with legitimate lenders for me to provide payoff, and is refusing me access to signed contracts I have with them. For this reason I am reporting them to the CFPB for action to be taken against this company on mine and others behalf. They have single handedly jeopardized my ability to pay off my debt and are preventing me from moving forward due to this being on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-14 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-14 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the mortgage account listed as XXXX XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an immediate reinvestigation and permanent removal of this inaccurate entry from 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 2025-05-14 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: IL

Complaint narrative:
Please consider this as my formal complaint to the TRANSUNION for allowing the fraudulent inquiries and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX allowed the fraudulent inquiries to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent inquiries are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX XXXX XXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
it has come to my attention that company is reporting account on my credit profile still after having stated that they would remove from all 3 CRA 's.

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 2025-05-15 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:
I have asked XXXX following companies for validation of the inquiry, with the original contract with my original signature stating I have ever applied for any service with the company 's and they all fail to do so. Section 15 U.S.C 1681N Stats That's A violation under The FCRA. I gave no permission to the following Companies to obtain my credit report and to run it. That's False ( pretenses ) without my permission to run my report. Remove immediately.

TransUnion : Hardships Inquiries. 
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 2025-05-14 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: PA

Complaint narrative:
My information was included in a data breach and ever since companies I have no knowledge of have appeared on my reports with negative information. I have been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
My information was included in a data breach and ever since companies I have no knowledge of have appeared on my reports with negative information. I have been negatively impacted.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: CA

Complaint narrative:
Scammed by a law firm in XXXX, VA attempting to collect a debt. The amount was not the same as the one in my credit report. Also I have not used my credit card in at least 5 years. I did not receive advance warning from Discover card that they would attempt to sue me instead of just sending the debt to a debt collector for a write off which is usually what happens. 

Prior to being unemployed, I always paid my credit card on time, sometimes even paying the full balance. I received the credit card in XXXX. 

I have been unemployed for 5 years. 
Even if it were a real case it is an unethical practice and I suspect that the right judge would throw the case out as a frivolous case.

Company response to consumer: Closed with explanation