vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: GA

Complaint narrative:
i discovered a past due balance regarding medical debt on my credit report. it was my first notice of such. 
The debt was sent to Americollect by XXXX Georgia XXXX XXXX, in violation of Federal rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received b
y the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-26 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: MN

Complaint narrative:
IM IN DISAGREEMENT WITH THE ACCOUNT LISLED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION.

I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUST TO MY CREDIT SCONE. 
XXXX ACCOUNT : XXXX  XXXX XXXX XXXX. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506 TITLE VI SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADRESSES OF EACH INCLINIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.

I ALSO NEED HELP REMOVING THE FOLLOWING INQUIRIES FROM MY HISTORY : XXXX XXXX BANK CREDIT CARDS XX/XX/year> PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2025-11-26 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: TX

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate items on my credit file, including wrong addresses, unauthorized accounts, and false late-payment information. My report contains incorrect addresses such as XXXX XXXX  XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX neither of which belong to me, yet Equifax continues to keep them on my file. There are also numerous charge-off and collection accounts that I have absolutely no knowledge of, including accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX I have never opened, authorized, or had any relationship with these accounts, yet they continue to appear on my Equifax report as charge-offs and collections, causing significant damage to my creditworthiness. Equifax is also reporting inaccurate late-payment history on several accounts that do belong to me, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported twice, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never made late payments on these accounts, so the reporting is false and misleading. Despite previous disputes, Equifax has failed to correct or delete these inaccurate items, and I am requesting CFPB intervention to ensure Equifax conducts a proper reinvestigation and updates my file in full compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries were not made with my consent and appear suspicious. I request swift resolution. Kindly review the attached materials.

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 2025-11-26 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:
The reported information appears to mischaracterize my financial activity. I request a detailed review and appropriate modification.

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 2025-11-26 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: IL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the inaccuracies found in my credit report. Below is a list of accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts THE BUREAUS Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} Inquiries XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment Accounts XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : 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 2025-11-26 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: AL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute statement to address multiple inaccuracies and inconsistencies across my credit reports provided by the three credit bureaus : Experian ( EX ), The accounts listed below are in dispute due to incorrect reporting, incomplete information, or other issues that require investigation and correction. 

Charged Off Accounts XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 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: NV

Complaint narrative:
I am submitting this complaint because Experian is reporting several accounts and inquiries that I believe are inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues directly, but they remain uncorrected. 

Charged-Off Accounts in Dispute : XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Acct XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX  Acct # XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts are either showing incorrect balances, dates, or statuses, or are unverifiable with the original creditors. I am requesting a full reinvestigation and removal or correction as required under FCRA 611. 

Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Some of these inquiries were not authorized by me, and I request verification of permissible purpose under FCRA 604. 

Late Payment in Dispute : XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX These accounts have been reported as late in error or without proper verification. Please review and correct any inaccurate payment history.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Basically got a check to see if preapproved for a credit card with capital one letter, check and see if your prequalified with no impact to your credit score, so I scanned the QR code filled out the requested information and submitted it. I was denied for whatever reason even though I have a great credit score and have missed no payments in the past seven years, as soon as I hang up, I start getting credit alerts from all three credit bureaus and alerts from my credit monitoring services telling me that I have a new inquiry on my credit report I immediately called the company and said hey what about no impact to your credit report they came up with a lame reason why this happened and said I need to contact the credit bureaus, the credit bureau say I need to contact the creditor. I did. The creditor says they can not or will not remove it, that being said it was XXXX, who said that they can not remove the inquiry that I should contact the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because TransUnion, Experian, and Equifax continue reporting multiple inaccurate and unverifiable accounts on my credit file. 

I previously disputed these items with the credit bureaus, and all three responded that the accounts were verified. However, no documentation was provided demonstrating how these accounts were verified, what information was reviewed, or whether the furnishers supplied any evidence at all. 

This violates several provisions of the Fair Credit Reporting Act, including : FCRA 602 ( A ) maximum possible accuracy FCRA 607 ( b ) bureaus must assure accuracy prior to reporting FCRA 611 ( a ) ( 1 ) duty to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) right to receive the Method of Verification FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not supply inaccurate information FCRA 623 ( b ) furnishers must conduct their own investigation The bureaus continue reportinXXXX XXXX XXXXl XXXX charge-off with inconsistent dates and impossible payment activity Discover charge-off with signs of re-aging and unverifiable balance history Kikoff charge-off reported without any supporting activity or documentation XXXX late payments that contradict the account ledger Self/Sunrise Bank late payments that do not XXXX XXXX XXXX None of these furnishers have provided any evidence supporting their reporting, and the credit bureaus did not provide the Method of Verification required by FCRA 611 ( a ) ( 7 ) . 

I am requesting CFPB assistance to compel the bureaus and the furnishers to provide actual documentation supporting each account or delete the information as required under federal law. 

I have attached my second-round dispute letter listing each account and the violations involved.

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 2025-11-26 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
This correspondence is intended as my formal objection to the listed accounts. I did not approve or establish them and have no affiliation with them. I request immediate removal and proper review. Documentation accompanies this notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
I am filing a complaint against XXXX XXXX in Wisconsin regarding an auto-secured loan. 

XXXX XXXX repossessed my vehicle in XXXX. After the repossession, the company took me to court and obtained a judgment for wage garnishment. I completed all garnishment payments required by the court. 

Despite the repossession and the completed garnishment, XXXX XXXX continues to report the account on my credit report as open and active, with a remaining balance. The reporting does not reflect : the XXXX repossession, the lawsuit and judgment, or the garnishment payments that were completed. 

Because the company is reporting the account as open and active instead of accurately reporting the repossession and judgment the information on my credit report is inaccurate, incomplete, and misleading, which violates the FCRA requirement for furnishers to report accurate information. 

( Exact dates are provided to the best of my recollection. ) XXXX XXXX XXXX repossessed my vehicle. 

XX/XX/XXXX ( approx. ) First court date regarding the loan deficiency after the repossession. 

Late XXXX / XXXX XXXX XXXX XXXX obtained a judgment for wage garnishment. 

XXXX Wage garnishment was applied to my paychecks until the judgment was satisfied. 

XXXX Garnishment concluded ; court-ordered payments were fully completed. 

XXXX XXXX XXXX continues to report the account as open and active on my credit report, with a remaining balance, without acknowledging the repossession, lawsuit, judgment, or completed garnishment.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
COLUMBIA DEBT RECOVERY XXXX XXXX XXXX  Unpaid Specific Reasons for Dispute : I am disputing this entry because the Balance Details are Inaccurate and Unverifiable, and the History is inconsistent with my proven payment behavior. 
1. Original Balance Discrepancy : The report lists the Original Balance as {$2900.00}, yet the current Balance is now {$3600.00}. I demand verification of how this {$670.00} difference was legally accrued and added to the principal balance. This lack of transparency suggests unauthorized or incorrectly calculated fees/interest, making the reported balance inaccurate and unverifiable. 
2. Date Opened : The Date Opened ( XX/XX/year> ) may be inaccurate, as it is a collection account and should reflect the date of the alleged delinquency with the original creditor. 
Inconsistent Payment History ( Proof Included ) : My credit history demonstrates a pattern of timely rental payments. As evidence, please see the XXXX account ( Account number XXXX ), which is reported on my credit file with the status " Paid, Closed/Never late. '' This history of fulfilling my rental obligations proves the alleged delinquency or amount owed on the COLUMBIA DEBT RECOVERY account is highly questionable and requires rigorous, detailed verification. 
I demand that you investigate and verify the legitimacy of the entire balance, including the discrepancy between the original and current amounts. If the creditor, COLUMBIA DEBT RECOVERY, can not provide documentation that clearly validates the {$3600.00} balance ; this entry must be permanently deleted from my report. 
Required Action : I request that you promptly conduct a reinvestigation, correct the inaccurate information, and Provide me with the results of your investigation, including all documentation used to verify the debt 's accuracy. 
Please send the results of your reinvestigation to the address listed above. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation