vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: CA

Complaint narrative:
L and J Assoiates, inc. reached out with the message below. The debt is under a different persons name at a residence I did not live at on or around XX/XX/XXXX. I communicate that the debt is not mine as I stopped living at the given residence in XX/XX/XXXX, nor is my name XXXX XXXX. Upon receiving that information, L and J Associates followed up on the second email below. 

Original email : XX/XX/XXXX Hello XXXX XXXX, You have an outstanding balance ( XXXX ) in our office of {$600.00} owed to : XXXX XXXX {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Your primary account number with our office is XXXX. 

To assist you in resolving this, here is a 1 Click Link to Log In to your Account : Log in to Account This is an attempt to collect a debt and any information obtained will be used for that purpose. 

To Unsubscribe : Unsubscribe L J Ross Associates , Inc . 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-free Phone number : XXXX Second email : This is a final bill from XX/XX/XXXX when the services came out of your name and the final meter read was done. I have noted your account with the dispute if you have any proof of shut off before XXXX XXXX please send it to our support team at XXXX To better help you get this resolved and for better assist please call our office. 

Best regards, XXXX Account Manager LJ Ross Associates XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: KY

Complaint narrative:
This is letter for DELETON AS PER LAW I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within 30 days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance. 

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within five business days.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-09 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: KY

Complaint narrative:
This is letter for MULTI-DELETON AS PER LAW I submitted detailed written disputes to the credit bureaus regarding multiple inaccurate accounts and specifically instructed that no automated e-OSCAR system could be used. I required full reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), including the name, phone number, and documentation from the furnisher verifying each account. The bureaus failed to provide any proof, contact information, or reinvestigation results within 30 days as required by law.

The CFPB previously notified the bureaus of these complaints, yet they still have not responded or deleted the unverifiable information. Under FCRA 611 ( a ) ( 5 ) ( A ), any data that can not be verified must be deleted. Their failure to do so is willful non-compliance. 

Because of these reporting failures, I was denied a mortgage for {$420000.00} and have suffered measurable financial harm. I am requesting CFPB enforcement to compel immediate deletion of all unverifiable accounts and a printed copy of my corrected credit report mailed to my address within XXXX business days.

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 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors
State: NV

Complaint narrative:
I tried to pay the debt amount on the website provided on the mailed in letter. I received a page stating 404 error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Everytime I try to call Experian I put all my information in and they keep sending me to a robot no matter what number I call its like the same loop and I cant work on my credit because somethings wrong on there and I cant dispute it it says Im {$1200.00} in debt from a phone company when I traded so I dont know where {$1200.00} came from I traded because they were already expensive I just need Experian to let me get access to my personal info because without it Im trapped in the same rabbit hole.

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
It was on XX/XX/year>, at XXXX, XXXX XXXX company thats advertised as does XXXX XXXX being a discount online shopping, I clicked in to see there gimmick of sale items it asked for my email to enable to move forward, which I entered than they offered a discount, which account I would like to it to be sent to I chose the cashapp figuring it would be safer, which I was wrong as soon as I chose they deducted {$24.00} from my account, I immediately contacted cashapp and also erased my information from them, I reported it to them also sent emails to XXXX  XXXX the unauthorized charge.Cashapp denied my claim even with my emails I sent to XXXX XXXX the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SS # : XXXX XXXX XXXX XXXX DOB : XX/XX/year>XXXX   Subject : Formal Dispute of Inaccurate Personal Information Immediate Correction and Deletion Demanded To Whom It May Concern, This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ) that my personal identifying information is being reported inaccurately and unlawfully in your records. You are in violation of multiple federal laws by continuing to associate incorrect or outdated personal data with my consumer file. 

My only correct and verifiable information is as follows : Full Legal Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/year>XXXX  Last Four of SSN : XXXX I am demanding the immediate removal of all inaccurate personal information including, but not limited to, any former names, incorrect aliases, outdated addresses, inaccurate employment history, and incorrect phone numbers that are not directly connected to me by verifiable documentation. 

Under the following provisions of the law, you are in direct violation by continuing to report or retain incorrect information : FCRA 602 ( A ) ( 1 ), 15 U.S.C. 1681 ( a ) ( 1 ) Duty to ensure accuracy and fairness of credit reporting.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) Requirement to maintain maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i Failure to conduct a proper reinvestigation upon dispute.

FCRA 616 & 617, 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance with the Act. 

I am demanding a complete reinvestigation and immediate deletion of all unverified or incorrect personal identifiers. Failure to comply within 30 days from receipt of this notice will constitute willful noncompliance, and I will pursue maximum civil penalties and compensation allowable under federal law, including damages of up to {$1000.00} per violation plus legal fees. 

Furthermore, this notice is being sent to the Consumer Financial Protection Bureau ( CFPB ) for review and record of your compliance actions. You are hereby instructed to send a detailed written confirmation once the inaccurate information has been corrected or removed. 

This is your final warning before escalation to civil litigation and federal complaint filings. 

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SS # : XXXX XXXX XXXX XXXX DOB : XX/XX/year>XXXX   Subject : Formal Dispute of Inaccurate Personal Information Immediate Correction and Deletion Demanded To Whom It May Concern, This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ) that my personal identifying information is being reported inaccurately and unlawfully in your records. You are in violation of multiple federal laws by continuing to associate incorrect or outdated personal data with my consumer file. 

My only correct and verifiable information is as follows : Full Legal Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/year>XXXX  Last Four of SSN : XXXX I am demanding the immediate removal of all inaccurate personal information including, but not limited to, any former names, incorrect aliases, outdated addresses, inaccurate employment history, and incorrect phone numbers that are not directly connected to me by verifiable documentation. 

Under the following provisions of the law, you are in direct violation by continuing to report or retain incorrect information : FCRA 602 ( A ) ( 1 ), 15 U.S.C. 1681 ( a ) ( 1 ) Duty to ensure accuracy and fairness of credit reporting.

FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) Requirement to maintain maximum possible accuracy.

FCRA 611, 15 U.S.C. 1681i Failure to conduct a proper reinvestigation upon dispute.

FCRA 616 & 617, 15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance with the Act. 

I am demanding a complete reinvestigation and immediate deletion of all unverified or incorrect personal identifiers. Failure to comply within 30 days from receipt of this notice will constitute willful noncompliance, and I will pursue maximum civil penalties and compensation allowable under federal law, including damages of up to {$1000.00} per violation plus legal fees. 

Furthermore, this notice is being sent to the Consumer Financial Protection Bureau ( CFPB ) for review and record of your compliance actions. You are hereby instructed to send a detailed written confirmation once the inaccurate information has been corrected or removed. 

This is your final warning before escalation to civil litigation and federal complaint filings. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
I am disputing inaccurate and unverifiable negative accounts Experian is reporting on my credit file. 

Accounts in dispute : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Reported as charged off and closed, but Experian has not verified the balance or payment history. 
XXXX XXXX XXXX Acct XXXX XXXX XXXX : Listed as voluntary surrender/repo without supporting documentation or verified balance. 
These accounts violate the Fair Credit Reporting Act ( FCRA ) : 602 ( A ) : Failure to maintain maximum possible accuracy.

611 ( 15 U.S.C. 1681i ) : Failure to investigate or delete unverifiable information.

623 ( 15 U.S.C. 1681s-2 ) : Continued reporting of disputed and inaccurate data.

I request a reinvestigation and deletion of these accounts if proper verification can not be provided in 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 2025-11-09 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: PA

Complaint narrative:
I previously submitted letters to address errors on my credit report, but no corrections have been made to date. Please review the documents and correspondence I provided regarding these issues.

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 2025-11-09 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: GA

Complaint narrative:
I disputed an inaccurate collection account ( XXXX XXXX XXXX XXXX ) with Equifax and uploaded my government-issued ID and proof of address with my original CFPB complaint. Despite already receiving this documentation, Equifax responded claiming it could not verify my identity and refused to complete a reinvestigation.

This is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 611 ( a ) ), which requires a consumer reporting agency to conduct a reasonable reinvestigation once a dispute is received with sufficient identification. Equifaxs failure to review the uploaded ID and act on my dispute resulted in the continued reporting of unverified and potentially fraudulent information, causing measurable credit and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you are to cease all communication with me regarding the above-referenced alleged debt. I do not consent to any further contact by phone, mail, or any other form of communication.

Furthermore, under 15 U.S.C. 1692g, I am exercising my right to request full validation of this alleged debt, including but not limited to : Proof that I owe this debt to XXXX, A copy of the original signed agreement or contract, Documentation showing that I.C. System, Inc. has the legal authority to collect on this account.

Until such validation is provided, any continued reporting, collection activity, or communication constitutes a violation of federal law.

Additionally, since this account is disputed and unverified, I demand the immediate deletion of this collection entry from all consumer reporting agencies ( XXXX XXXX and XXXX  ) as it is causing damage to my credit profile. Maintaining or furnishing inaccurate or unverified information violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Please confirm in writing that : 1. All communication regarding this alleged debt will cease, and 2. The XXXX collection account has been deleted from all credit reporting agencies. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, along with consideration of legal action to enforce my rights under federal law. 


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 2025-11-09 00:00:00
Product: Debt collection — Rental debt
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: HI

Complaint narrative:
This complaint concerns a rental-related debt being reported and collected without proper validation. I sent a certified debt validation request to Columbia Debt Recovery LLC ( Tracking No. XXXX ) on XX/XX/year>, delivered on XX/XX/year>. Over 78 days have passed, and no validation has been received. The company continues to report the account monthly to XXXX XXXX and XXXX, in violation of FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ). I was an active-duty servicemember at the time, protected under the Servicemembers Civil Relief Act ( 50 U.S.C. 39014043 ). I request deletion of this unvalidated collection account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, when I logged into my online banking, I realized I didn't have access. When I called the bank on XX/XX/XXXX, an online agent informed me that my account was blocked for internal reasons. When I asked for information about the reason for the closure, they told me they wouldn't give me the reason. The next day, I called my bank branch, and they informed me that the reason for the closure was that they had requested document verification, which I hadn't submitted within the 30-day period. However, I didn't receive any physical mail, email, or text message notification regarding this document verification request. Therefore, I request that you allow me to send the necessary information to continue using my account.Additionally, I have not received written notification of account closure.

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