vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX Re-Aged Debt I am filing this complaint against XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-aging a debt in an attempt to make it appear newer than it truly is.

On my credit report, XXXX XXXX is listing a debt originally owed to XXXX as Opened on XX/XX/XXXX, and reported as of XX/XX/XXXX, even though the actual debt is much older and had already fallen into default years prior. This is a clear attempt to reset the 7-year credit reporting clock, which is illegal under FCRA Section 605 ( c ).

I have already disputed this with the credit bureaus, and XXXX XXXX continues to report this account inaccurately. I am requesting that the CFPB investigate XXXX XXXX and require them to : Remove the inaccurate information Cease all attempts to collect on this time-barred debt Cease reporting the debt it is beyond the 7-year limit Attached is a screenshot from my XXXX XXXX  account showing how the debt is misrepresented.

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 2025-07-17 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: CA

Complaint narrative:
account opened with XXXX XXXX Bank in XXXX Hard Inquiry inquired with XXXX XXXX XXXX  in XXXX Hard inquiry inquired with XXXX XXXX  in 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 2025-07-17 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: PA

Complaint narrative:
I submitted written disputes over 45 days ago to the credit bureaus regarding accounts from XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe that I do not recognize and were never verified. 

Despite requesting documentation such as a signed application, billing records, or any proof I opened the accounts none of the furnishers provided any documents. Instead, XXXX sent a generic letter, XXXX XXXX charged off the account and still attempts to collect, and XXXX XXXX XXXX claimed the account was valid without showing any verification. 

All three accounts are still being reported by TransUnion, Equifax. This is a direct violation of 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ), which requires unverifiable information to be deleted. 

Ive also attached my dispute letters and responses as evidence. I am requesting the CFPB to remove these unverifiable accounts immediately.

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 2025-07-17 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: DISCOVER BANK
State: PA

Complaint narrative:
I submitted written disputes over 45 days ago to the credit bureaus regarding accounts from Discover Bank, XXXX XXXX XXXX XXXX, and XXXX  XXXX  XXXX  that I do not recognize and were never verified. 

Despite requesting documentation such as a signed application, billing records, or any proof I opened the accounts none of the furnishers provided any documents. Instead, Discover sent a generic letter, XXXX XXXX charged off the account and still attempts to collect, and XXXX XXXX XXXX claimed the account was valid without showing any verification. 

All three accounts are still being reported by XXXX XXXX This is a direct violation of 15 U.S.C. 1681i under the Fair Credit Reporting Act ( FCRA ), which requires unverifiable information to be deleted. 

Ive also attached my dispute letters and responses as evidence. I am requesting the CFPB to remove these unverifiable accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX  reported a {$160.00} balance to the credit bureaus, which caused my XXXX XXXX to drop by XXXX points. However, my official statement for that billing cycle clearly shows a {$0.00} balance. I pay my card in full immediately after charges post and have never carried a balance. 

I contacted XXXX on the phone twice in XX/XX/year> to ask why a balance was reported when my statement reflected {$0.00}. The first representative told me it was the balance on the day the credit bureau pulled the report. The second said my statement doesnt matter, which contradicts how reporting is supposed to work. I asked for clarification and correction but was denied both. 

My statement for the period clearly shows no balance due, yet XXXX reported XXXX anyway, harming my credit. I am requesting that XXXX investigate and correct this inaccurate reporting and update my credit report to reflect the true {$0.00} balance for that period.

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 2025-07-17 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: MA

Complaint narrative:
XXXX reported a {$160.00} balance to the credit bureaus, which caused my credit score to drop by XXXX points. However, my official statement for that billing cycle clearly shows a {$0.00} balance. I pay my card in full immediately after charges post and have never carried a balance. 

I contacted XXXX on the phone twice inXX/XX/XXXXto ask why a balance was reported when my statement reflected {$0.00}. The first representative told me it was the balance on the day the credit bureau pulled the report. The second said my statement doesnt matter, which contradicts how reporting is supposed to work. I asked for clarification and correction but was denied both. 

My statement for the period clearly shows no balance due, yet XXXX reported one anyway, harming my credit. I am requesting that XXXX investigate and correct this inaccurate reporting and update my credit report to reflect the true {$0.00} balance for that period.

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 2025-07-17 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: MA

Complaint narrative:
XXXX reported a {$160.00} balance to the credit bureaus, which caused my credit score to drop by XXXX points. However, my official statement for that billing cycle clearly shows a {$0.00} balance. I pay my card in full immediately after charges post and have never carried a balance. 

I contacted XXXX on the phone twice inXX/XX/XXXXto ask why a balance was reported when my statement reflected {$0.00}. The first representative told me it was the balance on the day the credit bureau pulled the report. The second said my statement doesnt matter, which contradicts how reporting is supposed to work. I asked for clarification and correction but was denied both. 

My statement for the period clearly shows no balance due, yet XXXX reported one anyway, harming my credit. I am requesting that XXXX investigate and correct this inaccurate reporting and update my credit report to reflect the true {$0.00} balance for that period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Credit Corp Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally file a complaint against [ Credit Corp Solutions, XXXX XXXX XXXX ] for violating the Fair Credit Reporting Act, specifically XXXX U.S.C. XXXXe ( b ). 

According to this section, consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Unfortunately, the information currently appearing on my credit report is inaccurate and damaging, and I have reason to believe that [ Credit Corp Solutions ] has failed to meet this legal obligation. 

I have attempted to resolve this issue by disputing it directly with the credit reporting agency, and/or with the furnisher of the data. However, the problem has not been properly investigated or corrected, and the inaccurate information remains. 

This failure to ensure accuracy has caused harm to my creditworthiness, including denied credit, increased interest rates, and emotional distress. I request that the CFPB investigate this matter and hold [ Credit Corp Solutions ] accountable for its failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This correspondence is in reference to a reported late payment that I strongly believe is inaccurate. I have maintained a consistent record of on-time payments and find this negative mark unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnion Information Services LLC for its repeated violations of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ), failure to adhere to Metro 2 reporting standards, and bad faith non-responsiveness to multiple legally compliant disputes. TransUnions actions, and inactions, have caused significant financial and reputational harm, including a documented XXXX drop in my credit score, denial of credit opportunities, and emotional distress. Background On, XX/XX/XXXX I submitted formal disputes to TransUnion regarding multiple tradelines that contained material inaccuracies, unverifiable information, and Metro 2 reporting deficiencies. I provided detailed evidence supporting these claims and requested deletion or correction pursuant to FCRA XXXXi ( a ) ( 1 ) ( A ). To date, TransUnion has failed to : Conduct a lawful reinvestigation within the required XXXX statutory timeframe. Provide any written response or method of verification for the disputed information. Correct or delete the materially inaccurate data. This failure constitutes willful non-compliance under FCRA XXXXn and XXXXo and exposes TransUnion to liability for actual, statutory, and punitive damages. Disputed Accounts ( Still Reporting Inaccurately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specific Violations Identified FCRA Violations : XXXXe ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy. XXXXi ( a ) Failure to reinvestigate disputed information within 30 days. XXXX ( a ) ( XXXX ) ( B ) Re-insertion of the XXXX XXXX XXXX XXXX without required consumer notice after prior deletion. XXXX ( b ) Furnishers failed to conduct reasonable investigations and correct errors. Metro 2 Data Reporting Violations : Failure to apply Compliance Condition Code XB during disputes. Improper or missing Date of First Delinquency ( DOFD ) causing unlawful re-aging. Reporting monthly payment amounts on charged-off accounts ( Metro 2 XXXX XXXX violation ). 

Conflicting account closure statuses and inaccurate balances. Pennsylvania State Law Violations : XXXX XXXX  XXXX ( Unfair Trade Practices and Consumer Protection Law ) Continuing to publish false and misleading information. XXXX XXXX XXXX ( Credit Services Act ) Reporting unverifiable data to the detriment of the 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 2025-07-17 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: Skopos Financial, LLC
State: GA

Complaint narrative:
Sent to XXXX XXXX orders for account to be placed on SCRA status. SCRA not applied.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Dear Columbia Debt Recovery : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under XXXX U.S CXXXX XXXX ( e ) and XXXX U.S CXXXX XXXX ( f ) for handling this matter. 
2. Legal basis for the collection of this debt. 
3. Proof of your authorization to operate in my state. 
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to XXXX U.S CXXXX XXXX ( a ), I demand immediate cessation of all communication and collection activities related to this account. 
Furthermore, perXXXX U.S. CXXXX XXXX ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( d ) : Harassment or abuse in connection with debt collection. * XXXXe : Use of false, deceptive, or misleading representations. * XXXXg ( b ) : Failure to properly disclose my rights. * XXXXf : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I did a payment for my final amount of {$100.00} towards the settlement I've sent proof of the email that was sent to me from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I received a notice from XXXX XXXX ( XXXX ) stating I owed over {$2000.00} in toll violations for use of the express lanes. I had never received any notice before this, even though the violations allegedly occurred over the previous 6 months. I was unaware of any toll obligations, as my XXXX XXXX XXXX is registered with Georgia AFV plates, which I believed allowed free access to the lanes. I didnt know that additional registration through XXXX XXXX was required. 

After receiving the first notice, I immediately stopped using the express lanes and filed a dispute through the XXXX XXXX website. They waived some administrative fees but left a remaining balance of {$1400.00}. I offered a good-faith resolution to pay tolls from the first XXXX weeks only, but no explanation or breakdown of the toll amounts was provided. 

Later, this unresolved balance was sent to collections, and I began receiving letters from Professional Account Management ( PAM ) claiming I now owed {$4700.00} more than 3x the amount shown in the XXXX XXXX XXXX. I submitted a written dispute to PAM by certified mail, requesting a breakdown and validation of the charges. I received no response. 

I also filed a complaint with the Georgia Attorney Generals Consumer Protection Division over a month ago and have not received a reply. My XXXX XXXX account now shows a {$0.00} balance, and I still have no documentation supporting the {$4700.00} that XXXX is attempting to collect.

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 2025-07-17 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: NY

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC XXXXg, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-07-17 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief