vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Personal Information Update Dear Experian, This letter serves as a formal request for reinvestigation pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act regarding the following tradelines currently appearing on my credit file : Accounts in Dispute : XXXX XXXX Collection Account Portfolio Recovery Associates Collection Account XXXX XXXX  / XXXX XXXX XXXX Collection Account Please conduct a reinvestigation into the accuracy and completeness of the above accounts and provide me with the results, including your method of verification, within the time frame required by law. 

Additionally, I request that you update and correct my personal information as follows : Personal Information Corrections : Correct Legal Name : XXXX XXXX Current Mailing Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Remove all other names, aliases, or name variations not matching XXXX XXXX Remove all outdated or non-mailable addresses associated with my file These updates are necessary to ensure my consumer file is complete and accurate, in accordance with 15 U.S.C. 1681e ( b ). Please confirm completion of the reinvestigation and personal information update in writing. 

Thank you for your prompt attention. 

Sincerely, 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 2025-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
XXXX keeps reporting a collection on my account that is inaccurate and unverified and was opened without my consent I disputed about 5-6 times I tryed to tell them it was identity theft and they refuse to remove it from my credit report Here are the dates of the disputes XX/XX/XXXX - there response was they will not update it and it will stay on my credit report. 

XXXX there response was they will not update it and remove it from my credit report. 

XXXX there response was they will not update it and remove it from my credit report. 

XX/XX/XXXX - there response was they will not update it and remove it from my credit report. 

XXXX - there response was they will not update it and remove it from my credit report. 

It's getting frustrating because it's hard to get a car with this on my credit report. This account was opened fraudulently and they refuse to close it. And take it off my credit report. Can you please help me These responses are all from Jefferson Capital Syst

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Complainant : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account Number : N/A Balance : {$3700.00} Reported by : TransUnion Date Opened : XX/XX/XXXX I am filing this complaint against XXXX XXXX XXXX XXXX for willful violations of the Fair Credit Reporting Act ( FCRA ). This company is reporting an alleged debt in the amount of {$3700.00} with no valid account number disclosed. This account is fraudulent and has been reported to the credit bureau TransUnion. The account was allegedly opened on XX/XX/XXXX, but I have never authorized, acknowledged, or signed for this debt. 

This company has accessed and reported my personal information without my consent or legal authorization, constituting a breach of consumer privacy and federal law. I am a victim of identity theft, and I demand the permanent deletion and blocking of this account from all credit bureaus under Section 605B of the FCRA.

Violations include : FCRA 1681b ( c ) Impermissible access of consumer report FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with knowledge of errors FCRA 1681s-2 ( b ) Failure to conduct proper reinvestigation FCRA 1681c-1 ( Section 605B ) Failure to block identity theft information I am requesting a full investigation by the Consumer Financial Protection Bureau ( CFPB ) and enforcement of all applicable federal consumer protection laws. I seek immediate deletion and permanent blocking of this account, as well as any damages available under the FCRA for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing to formally demand that you cease and desist all forms of communication with me, including but not limited to phone calls, letters, emails, or reporting to credit bureaus, regarding the above-referenced alleged debt. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease communication. I am exercising that right with this letter.

Furthermore, I dispute the validity of this alleged debt and assert that I was not properly notified of it before you reported it to the credit bureaus. As required under the FDCPA ( 15 U.S. Code 1692g ), you must send a written notice of the debt within XXXX days of initial contact. I have no record of receiving such a notice. Reporting this alleged debt to the credit bureaus without proper notice is a violation of my consumer rights and may also violate the Fair Credit Reporting Act ( FCRA ).

I demand that you immediately : 1. Cease all communication with me regarding this debt.

2. Provide full validation of the alleged debt, including a copy of the original contract or agreement and the name of the original creditor.

3. Cease reporting this debt to any and all credit reporting agencies until proper validation is completed.

4. Remove any existing entries you have reported to the credit bureaus unless and until you provide valid proof that this debt is accurate, owed, and within the statute of limitations.

Failure to comply with these requests may result in a formal complaint to the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to take legal action against your company for damages, attorneys fees, and other relief as allowed by law. 

This letter shall serve as your legal notice to cease and desist all further communication with me, except as required by law. Any further action taken without proper validation will be documented as a willful violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was denied from an apartment and was supposed to get refunded {$200.00}, but they never refunded me. I waited almost 2 months from when I paid {$260.00} on XX/XX/XXXX, and then disputed the charge on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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:
I am filing a complaint because my creditor is reporting late payments on my account ending in ( XXXX ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation under 15 USC 1681 S2A furnitures must report accurate information under 15 USC 1681i the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative 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 2025-05-11 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: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in ( XXXX ) that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation under 15 USC 1681 S2A furnitures must report accurate information under 15 USC 1681i the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
In XXXX, I put in a dispute with Experian for XXXX XXXX XXXX. I asked numerous times who they spoke with and what steps they took to verify this account, and they did not respond with any answers to my questions, except that it remains, that was on XX/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 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received my first by mail account information 2 weeks after XXXX i deposited XXXX i was not giving a atm card was never mailed one i went to get them and recieved them from a bank closer to my home and they found out i was missing money from my account everything was wrong i made first police report did not know what i was saying/ then i made a second report to the right police station i have been to the bank so many times i have called no one has answers all i know there where two people no longer at the bank working who know me as well as all in both TD Banks and in less than 2 weeks after depositing a attorney check i had no money and i also got two unsecured credit cards one i used the other i did not from both TD letters where sent to the banks nithing has been done i waited three years for this settlement. and i had no plan to spend it crazy i do not leave home im XXXX this is a big mess but i have alot of proof and i have recordings all i know i have cried tears and now they are charging me for my own unsecured credit cards and charging me intrest the wirst XXXX and XXXX i have had i also sent the state a firm they sent me if the issue i dont know where to turn this is not fair at all that they are scamming immigrant wich im not yes. and that money was stolen from my account yes and accused me of holding theys two cards i had six and only use one never at a atm but onnce to show me how to use it they also ask my son for all his info because i have him as my beneficiary he was nit needed the person whom open my avcount i remeber him being mad he put my check in the wrong account and messed up alot the second bank offered all their help. i just want my money back please. Or for this company to prove to me they are doing their jib i have done all i can and cryed so many tears. its to much to even write down.I never use a atm i never trust them i always made transaction at the front desk with a live agent. TD bank in XXXX XXXX XXXXXXXX XXXX is no joke and TD bank in XXXX NEVER COMUNICATED WITH THE BANK I OPENED THE ACCOUNT TO FIX THE ISSUE ALL I KNOW MY MONEY WAS TAKING FROM ME. and i been fighting alone. please help. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
According to 15. U.S.C 1692 ( C ) you have violated my rights in lawful communications. Please remove this collections from my credit port. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: PR

Complaint narrative:
I am writing to formally dispute the continued reporting of the following account, which remains on my credit report despite your previous investigation : Creditor Name : XXXX XXXX Account Balance : {$3800.00} I respectfully request that you immediately reinvestigate this matter, as the information is inaccurate and is negatively affecting my credit profile.

Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 [ 15 U.S.C. 1681i ], I request that you provide me with the names and business addresses of each person or entity with whom you verified the accuracy of this information during your prior investigation. I intend to follow up directly with those parties.

If your reinvestigation does not result in a correction or removal of the disputed information, I request that my credit file be updated to reflect the dispute, as required under federal law.

Please send written confirmation once the reinvestigation is complete and include any documentation supporting your findings.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: PR

Complaint narrative:
I am writing to formally dispute the continued reporting of the following account, which remains on my credit report despite your previous investigation : Creditor Name : XXXX XXXX Account Balance : {$3800.00} I respectfully request that you immediately reinvestigate this matter, as the information is inaccurate and is negatively affecting my credit profile.

Pursuant to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 [ 15 U.S.C. 1681i ], I request that you provide me with the names and business addresses of each person or entity with whom you verified the accuracy of this information during your prior investigation. I intend to follow up directly with those parties.

If your reinvestigation does not result in a correction or removal of the disputed information, I request that my credit file be updated to reflect the dispute, as required under federal law.

Please send written confirmation once the reinvestigation is complete and include any documentation supporting your findings.

Thank you for your prompt attention to this matter.

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 2025-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I purchased a home from Illinois to move to Louisiana via a realtor XXXX XXXX XXXX. I was set up with NewsRez Mortgage. I originally setup to send in my payment, but switched over to automatically for withdrawal in 2020. The first year after paying my mortgage NewRez faile to pay my property tax on time. This caused an emotional stress and embarrassment of having a Sheriff to place a notice on my front door of being in default of paying my property tax. Then in XXXX NewRez failed to pay my homeowners insurance on time which had XXXX insurance to close my account. I attempt plead with them that it wasnt my fault. NewRez failed to withdraw the money from my escrow account which was on file. NewsRez forced me into some ridiculous insure they were applying on my automatic withdrawal. My mortgage went from under & XXXX {$1900.00} a month to {$3300.00} a month. They havent operated in good faith. It seems they were in cahoots with Louisiana insurance to charge consumers more. I was always in good standing! Im writing now not realizing your agency handles such matters. Im a paying consumer with every intentions of paying for what I expect and not to be railroaded by NewsRez. If the market hadnt changed in rates of wouldve went with another company.

Also, I sent them my tax exemption status in which they failed to apply towards my mortgage for the last few years .. Ive had enough and I need to know what recourse do I have. Thank you as I look forward to hearing from you! 

Thank you, 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 2025-05-11 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: GA

Complaint narrative:
I have notified experience on numerous occasion to remove unverified inaccuracies on my credit report. Experian, TransUnion and Equifax has not removed any of these inaccuracies from my report which includes late payments closed account that are affecting my credit 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
Consumer complaint received 2025-05-11 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: OH

Complaint narrative:
In XXXX, I put in a dispute with Experian for XXXX XXXX XXXX. I asked numerous times who they spoke with and what steps they took to verify this account, and they did not respond with any answers to my questions, except that it remains, that was on XX/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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove this account from my report, it is hurting my ability to obtain credit. This account is under different names on my credit report but uses the same account number. I did not authorize this account and it is within a third party, which I have not been giving any acknowledgement of.

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 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
In response to my prior CFPB complaint, NCB Management Services claimed they mailed me full debt validation documents, including a signed agreement and bill of sale. However, I never received any of this documentation. Under the FDCPA, I am entitled to proper validation before collection or credit reporting continues. They are currently reporting the debt to credit bureaus without having successfully validated it. I am requesting CFPB assistance in requiring them to send proof of the debt with tracking or otherwise delete the account from my credit report. Continued collection without verification is a violation of my rights under federal law.

Company response to consumer: Closed with explanation