vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
A debt was originally listed on my credit report under " XXXX XXXX  '' but was later removed. Shortly after, a new entry from Columbia Debt Recovery appeared, reporting a collection account with no reference to the original creditor or explanation. 

I was never notified by Columbia Debt Recovery before this was reported, and I never received a written validation of the debt. I only became aware of it when checking my credit report. 

I submitted a formal debt validation request to Columbia Debt Recovery but have not received any proper documentation showing that I owe this debt, who the original creditor is, or proof that they have the legal right to collect it. 
This reporting appears to be incomplete and possibly unlawful under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I am asking that Columbia Debt Recovery validate this debt with full details or have the account permanently removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Last 4 of SSN : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint as a victim of identity theft. Accounts have been fraudulently opened or reported in my name without my knowledge, consent, or authorization. These accounts are not mine, and I have never benefited from any services or goods associated with them. 

Despite multiple disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), these fraudulent accounts remain on my credit reports and continue to negatively impact my creditworthiness, financial stability, and peace of mind. 

Under FCRA Section 605B ( 15 U.S. Code 1681c2 ), I have the right to request a block of any information resulting from identity theft, and I am exercising that right. I have also submitted an Identity Theft Report through the FTC, along with a personal statement, valid identification, and supporting documentation. 

Additionally, I have made direct contact with the credit bureaus and debt collectors involved, but have received no resolution. These entities have either failed to investigate properly, failed to provide proper debt validation, or have continued to report inaccurate data in violation of federal law. 

I am requesting the CFPBs assistance in : Ensuring these accounts are immediately and permanently removed from my credit reports. 
Holding any credit bureaus or debt collectors accountable for violations of the FCRA and FDCPA. 
Protecting my consumer rights and restoring the integrity of my credit file. 

Thank you for your attention and for standing up for consumers like me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have unauthorized inquiries that I do not recognize. DELETE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have unauthorized inquiries that I do not recognize. DELETE THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
States I owe {$380.00} and offers two " terms, '' i.e., pay in installments or pay in full. Says my account has been purchased by Spring oaks LLC from XXXX XXXX XXXX Texas, that is a XXXX XXXX account. Never heard of either company. This came as a text, was told I needed to accept their " offer, '' by XX/XX/XXXX of this year, text received XX/XX/year>. Given the option of return text BYE to " opt out ''. I have no debt that I am aware of. I have returned BYE text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing several collection accounts listed on my credit report that I believe are being reported in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These accounts were placed in collections without proper written notice or debt validation within five days of initial contact, as required by 15 U.S. Code 1692g ( a ).

Additionally, the information being reported by the debt collectors is either inaccurate, incomplete, or unverifiable. These derogatory entries are negatively impacting my credit standing, and I have attached documentation demanding their removal.

I am requesting immediate action to investigate and remove any collection account that can not be fully validated according to federal law. Continued reporting of unverifiable debt is a violation of my consumer rights.

I am disputing multiple accounts on my credit report that reflect late or missed payments, which I believe are being reported inaccurately or unfairly. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only verified and complete information.

Some of these late payment notations fail to account for COVID-19 relief periods, hardship programs, or other mitigating circumstances, and others are more than seven years old, making them ineligible for reporting.

These payment histories are misleading and damaging to my credit profile. I am requesting that any late payment entry that can not be substantiated with complete accuracy be immediately removed from my credit report am disputing negative marks related to student loan accounts reported by the U.S. Department of Education or its affiliated servicers. These accounts reflect derogatory information or delinquencies that I believe were reported inaccurately or during periods of federal forbearance or pandemic relief.

Under the CARES Act and subsequent federal guidance, federally backed student loans were not to accrue interest or be reported as delinquent during designated relief periods. Despite this, negative information has appeared on my credit report in violation of those terms.

I am demanding a full investigation and removal of any student loan related derogatory information that can not be verified as accurate and compliant with federal relief protections and reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am disputing several collection accounts listed on my credit report that I believe are being reported in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These accounts were placed in collections without proper written notice or debt validation within five days of initial contact, as required by 15 U.S. Code 1692g ( a ).

Additionally, the information being reported by the debt collectors is either inaccurate, incomplete, or unverifiable. These derogatory entries are negatively impacting my credit standing, and I have attached documentation demanding their removal.

I am requesting immediate action to investigate and remove any collection account that can not be fully validated according to federal law. Continued reporting of unverifiable debt is a violation of my consumer rights.

I am disputing multiple accounts on my credit report that reflect late or missed payments, which I believe are being reported inaccurately or unfairly. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report only verified and complete information.

Some of these late payment notations fail to account for COVID-19 relief periods, hardship programs, or other mitigating circumstances, and others are more than seven years old, making them ineligible for reporting.

These payment histories are misleading and damaging to my credit profile. I am requesting that any late payment entry that can not be substantiated with complete accuracy be immediately removed from my credit report am disputing negative marks related to student loan accounts reported by the U.S. Department of Education or its affiliated servicers. These accounts reflect derogatory information or delinquencies that I believe were reported inaccurately or during periods of federal forbearance or pandemic relief.

Under the CARES Act and subsequent federal guidance, federally backed student loans were not to accrue interest or be reported as delinquent during designated relief periods. Despite this, negative information has appeared on my credit report in violation of those terms.

I am demanding a full investigation and removal of any student loan related derogatory information that can not be verified as accurate and compliant with federal relief protections and reporting laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Complaint Against Equifax and XXXX XXXX XXXX Account in Dispute : Creditor : XXXX XXXX XXXX ( Collection agency for XXXX XXXX XXXX ) Reported Balance : {$180.00} Date Reported : XX/XX/year> Account Status : Open, Unpaid Summary of the Complaint : I am disputing a collection account reported by XXXX XXXX XXXX on my credit report through Equifax. Despite multiple disputes, Equifax has failed to remove or block this inaccurate and unverifiable information as required by the Fair Credit Reporting Act ( FCRA ). 

I requested that Equifax block this account from my credit file due to its inaccuracy and lack of proper verification. During this process, I was hung up on three separate times by Equifax representatives, including a supervisor named XXXX, who stated that a block can not be placed on this creditor. 

This is a violation of my rights under the FCRA. Equifax has failed to conduct a proper reinvestigation, has refused to block unverifiable information, and has demonstrated bad faith by abruptly ending phone calls when I sought resolution. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My Truist Bank business account was compromised by a hacker who enabled wire transfers, a feature I had not authorized or previously used and initiated a wire transfer that wiped my checking account and also stripped my business savings account due to overdraft protection measures, compounding the loss. 

The fraudulent transferred occurred without our knowledge or consent. Truist has denied our fraud claim and stated it was our responsibility despite offering no evidence of how the wire transfer feature was activated or authorized. 

The denial letter does not provide any logs, device data, or indication that any real verification steps were taken before allowing high-risk activity like a wire transfer. We also contacted Truist the same day the transaction occurred and was forwarded to a voicemail. The account was frozen, but the transfer was processed around midnight. A XXXX recall was not initiated until approximately eight hours after the transfer cleared when the fraud department came in office. 

We never gave out credential and there is no evidence of gross negligence on our part. We've requested a full investigation and logs of the transaction and are not being provided transparent answers despite contacting local law enforcement to attempt a police report in addition to IC3 reports being submitted. 

I am seeking full reimbursement for the unauthorized {$16000.00} wire transfer, and a full investigation on how this breach occurred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
b'There is wrong information reporting on my credit report. I would like it changed to correct information. there should only be one name ,address and phone number please remove all other off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this is the correct information that should be reporting on all three credit bureau.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
b'There is wrong information reporting on my credit report. I would like it changed to correct information. there should only be one name ,address and phone number please remove all other off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this is the correct information that should be reporting on all three credit bureau.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AZ

Complaint narrative:
On XX/XX/XXXX, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by disputing an alleged debt owed by Columbia Debt Recovery d/b/a Genesis in writing within 30 days of their initial communication. They failed to cease collection efforts or provide all necessary documents to verify this debt ( including Lease Agreement, and calculation of all debts owed ). 

On or about XX/XX/XXXX, I began requesting for communication in writing only regarding this debt as I received consistent phone calls with refusal to provide the above requested documents. To date, Columbia Debt Recovery d/b/a Genesis has continued to contact me via phone demanding full payment of the alleged debt. 

Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a transaction made a XXXX I was charged and told them to pick up the vehicle the car was picked up at the right time and we met the criteria I was still charged over my actual credit limit its a lot of errors

Company response to consumer: Closed with explanation