vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am filing this complaint against Experian for blatant and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2. Experian is knowingly reporting a false late payment for the account XXXX XXXX XXXX XXXX Late Dates : XX/XX/year>, XX/XX/year>, despite the fact that this entry is the result of the furnishers reporting errors, not any actual delinquency on my part. Under 1681i ( a ), Experian is legally obligated to conduct a reasonable reinvestigation of any disputed item, and under 1681s-2 ( a ), they are prohibited from reporting information they knowor should knowis inaccurate. Experian has failed to meet both obligations, continuing to damage my credit profile without providing verifiable proof from the original creditor to substantiate their claim. Their reckless disregard for accuracy, combined with their refusal to remove or correct the false data, constitutes willful noncompliance, making them liable for damages under 1681n and 1681o. I am demanding that the CFPB immediately compel Experian to conduct a lawful and thorough reinvestigation, obtain and produce original source documentation from the furnisher, and permanently delete the disputed late payment if such documentation can not be produced. This misconduct is actively harming my financial standing, impeding my access to credit, and unjustly tarnishing my reputation, and I expect swift enforcement action to hold Experian fully accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. 
I am filing this complaint against Experian for their continued reporting of a late payment account on my credit report which is XXXX XXXX XXXXXXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. 
I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. 
Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Amongst checking my credit report, I see some inquiries that I did not authorize. These inquires are not recognizable. I did not open any accounts or attempted to do so with these companies nor did I authorize my credit report to be furnished with this data. I received a letter recently about a data breach and I'm unsure if that could be the cause of this but I may a victim to identity theft. These inquires below have not nor ever been authorized by me, which is furnishing my credit report with inaccurate information. I neber applied for any credit with these companies below.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I had Debt from XXXX years ago and they keep accumulating percentage every month and now Im even deeper in debt and their payment plan is unreasonable and they dont want to take less unless they get to demand what they want

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. My credit report with XXXX  contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that has been negatively impacted due to a recent data breach. This breach has exposed sensitive personal information, and as a direct result, erroneous entries have appeared on my credit file. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 

The details of the accounts to be removed are as follows : Account Name : XXXX  XXXX XXXX. 
Account Name : XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - {$720.00} Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - {$710.00} The inquires that are to be removed due to data breach are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
I am submitting this letter to dispute inaccurate information currently appearing on my credit report with Equifax. The items in question have not been validated, certified for accuracy, or physically verified. 

Upon reviewing my file, I found questionable and potentially incorrect remarks that appear to lack proper verification. As a consumer, I am exercising my rights to request their immediate removal, in accordance with applicable federal and state consumer protection laws. I am also requesting confirmation that your reporting practices comply with the Fair and Accurate Credit Transactions Act ( FACTA ), Title 1, Section 151, which outlines clear requirements for proper verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
The FCRA limits the reporting of debt to 7 years. Consumer reporting agencies must correct or delete inaccurate information. Consumer reporting agencies can not report outdated negative information. 
15 U.S Code 1681c ( a ) : Requirements related to information contained in the consumer reports states : Information excluded from consumer reports : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than 7 seven years. 

I am disputing the antedated collection from : XXXX XXXX XXXX XXXX ( XXXX ). 
The original creditor, ( XXXX XXXX ), from which this collection is associated with documented the initial delinquency in XXXX  which was 7 years ago. Therefore, I am requesting that this derogatory mark on my credit profile be deleted immediately and that the CFBP enforces compliance of this deletion with the consumer credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was preapproved for a car loan through Capital One Auto Finance on XX/XX/year> and was approved for a sum over {$40000.00}. That day I also spent time contacting Capital One customer service to go over the details of the loan, the specific car I was looking trying to finance, providing the vin of the vehicle and the link to the vehicle on the dealer 's lot. After an hour of going over the amounts of my current trade in, the purchase cost of the vehicle and the fees of the purchase, the customer service member gave me the approval that it would be approved and I could go the next day to get the vehicle. 

When I arrived at the dealership I was given every reason as to why it would not be approved and that Capital One was informed the dealership that they did not have contact with me and would not approve the loan. 
As soon as I got home I tried to contact customer service again and speaking with a different agent they made it clear they had changed their mind, could not find my contact history with the agent and turned me down. 

Today I received a letter trying to explain why they came to the conclusion they did, but on the back of the paper it has the credit agency they used and the credit score they have. As by the credit monitoring system I use, and the credit monitoring system linked to my Capital One accounts ; XXXX, the number provided is far under than what I have, and they used XXXX XXXX XXXX. XXXX  is what XXXX  by CapitalOne uses to provide my scores, alerts, credit history and financial advice by using the credit simulator, and promoting products based on this score.

This is deceptive, using one agency to influence and guide peoples financial decisions to then use another agency when it comes time to make decisions. They use the Bait and Switch to make you think you can get approved at a much better rate, but when it comes to signing the papers, the rate has risen and you are given a score that does not match. Also the Score provided on the denial letter does not match any of the credit monitoring I have or what Capital One shows in my accounts. The score on the paper does not come close to any of my XXXX scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection auto loans you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection auto loans Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to dispute inaccurate and incomplete information reported on my credit file that is causing me substantial harm and affecting my ability to access credit fairly. The addresses listed above are incorrect and do not belong to me, which violates my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy in consumer reports. Inclusion of these wrong addresses creates confusion, suggests possible fraud, and lowers my creditworthiness unfairly. 
Address Dispute XXXX XXXX XXXX XXXX, ID XXXX Law Issue : Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information and correct or delete inaccurate or unverifiable data. 
Issue : This address is not valid or does not belong to me, yet it is appearing on my credit report. 
Story : I have never lived at or used this address, and its presence on my report is causing confusion and potential harm to my credit profile. Please verify its accuracy or remove it immediately. 
Address Dispute XXXXXXXX XXXX XXXX XXXX, CA XXXX Law Issue : Per FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to request verification of any information on my report. If unverifiable, it must be deleted. 
Issue : This address is incorrect and does not relate to my residency history. 
Story : I have never resided at this location, and its inclusion is inaccurate. Please verify or delete this address from my file. 
Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} XXXX XXXX Chargeoff Law Issue : As per FCRA Section 611 ( 15 U.S.C. 1681i ), disputed information must be reinvestigated and unverifiable or inaccurate data must be deleted. 
Issue : This account has been reported as a chargeoff incorrectly. 
Story : This account was paid in full or settled ; the chargeoff status is incorrect and damaging to my creditworthiness. Please verify this information with the creditor and update or remove the chargeoff status accordingly. 
I request the Consumer Financial Protection Bureau ( CFPB ) to investigate these inaccuracies promptly and ensure that all erroneous information is corrected or deleted from my credit file in accordance with federal law. I reserve all rights to take further action if these violations continue, including reporting to the Federal Trade Commission and pursuing legal remedies under the 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 explanation
Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
An account is reporting on my credit file that does not belong to me. It may be due to a reporting error or a mixed file issue, where information from another consumer has been incorrectly included in my report. I have no relationship with the listed creditor and no financial history connected to this account. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
An account is reporting on my credit file that does not belong to me. It may be due to a reporting error or a mixed file issue, where information from another consumer has been incorrectly included in my report. I have no relationship with the listed creditor and no financial history connected to this account. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief