vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I am filing this complaint because Columbia Debt Recovery LLC dba Genesis has inaccurately reported a collection account that I never owed and engaged in harassing conduct during its attempts to collect. This has harmed my credit score and prevented me from qualifying for the best available loan terms despite my otherwise excellent credit profile. 

Here is the timeline of events : XX/XX/XXXX XXXX management emailed me my final account statement showing a total due of {$4600.00} with no additional charges. ( Attachment : Final account statement from XXXX. ) XX/XX/XXXX I called XXXX XXXX XXXX to pay the {$4600.00} shown on my final statement. He refused to honor that amount, became verbally aggressive, and threatened me when I said I wanted to seek legal advice. He processed a payment of {$7800.00} instead. 

XX/XX/XXXX I emailed XXXX XXXX ( cc : XXXX ) with my proof and requested a refund for the overcharge. He acknowledged the message but did not follow up. 

XX/XX/XXXX XXXX XXXX  concluded my dispute and refunded me {$3100.00}. I believed this resolved the matter. 

XX/XX/XXXX Columbia Debt Recovery LLC reported that I owed money again, despite my documentation and the prior resolution. 

I disputed the account with XXXX XXXX XXXX XXXX. All three agencies ruled against me and marked the dispute as resolved in favor of the furnisher, despite my clear evidence. 

After these disputes, TransUnion updated the account to Dispute resolved by grantor and closed as of XX/XX/XXXX. However, XXXX XXXX XXXX still list the account as open, which is inaccurate and harmful. 

During this time, Columbia Debt Recovery or its representatives repeatedly called me at home and at work, including at times when I had asked them to stop calling. These calls, combined with XXXX XXXX prior verbal intimidation, caused me significant distress. 
These actions violate both the Fair Credit Reporting Act ( FCRA ) by failing to report accurate and consistent information to all credit bureaus and the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassment, making threats, and contacting third parties repeatedly without proper purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During the week of around XXXX XXXX XXXX, 2025, unauthorized access was made to my bank account. I noticed suspicious activity involving random charges from unfamiliar companies. These transactions were not authorized by me. 

In response, I took immediate action by freezing all my credit reports with the major credit bureaus. I also plan to close the compromised bank account and open a new one to protect my finances. Please investigate this matter thoroughly and take any necessary steps to stop further fraudulent activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 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:
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 an 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-04 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Form 1099-C for Charged-Off Account To Whom It May Concern, I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) related to a {$42.00} charge-off that XXXX XXXX  has reported on my credit file. This amount was disputed and added to the credit report during the dispute due to XXXX 's failure to add the credited amount to the card. 
The charge-off appears on my credit report, yet I have not received any Form 1099-C for tax purposes, nor have I been notified of the debt 's cancellation or any reporting to the IRS.

Under IRS regulations, creditors who discharge or cancel a debt of {$600.00} or more are required to file Form 1099-C with the IRS and provide a copy to the debtor. While this amount may be below the {$600.00} threshold, if it was reported as charged-off or cancelled for any reason and reflected on my credit report, I am entitled to all documentation related to its cancellation and treatment. 
I am requesting that you promptly send me : 1. A copy of Form 1099-C, if one was issued.

2. Written clarification if no such form was issued and the reasoning behind it.

3. Confirmation that the debt was, in fact, cancelled or sold, and on what date.

Please send your response to the mailing address listed above. If no cancellation occurred, I request that this charge-off be removed from my credit file and updated with the major credit reporting agencies to reflect the accurate status. 
Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
Since XX/XX/XXXX, Ive disputed multiple inaccurate, unverifiable, and incomplete accounts with all three credit bureaus ( Equifax, Experian, TransUnion ), and with the furnishers themselves. Despite my repeated attempts under my rights as a consumer, these accounts remain on my reports with serious errors, lack of verification, and reporting inconsistencies across bureaus in violation of federal law. 

Accounts in Dispute : XXXX XXXX XXXX XXXXXXXX Charge-off {$6600.00} XXXX # XXXX Charge-off {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( reported inaccurately ) XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX Collection {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$160.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Charge-off {$20000.00} XXXX XXXX XXXXXXXX Charge-off {$0.00} Truist/GreenSky # XXXX Charge-off {$2000.00} Under FCRA 15 U.S.C. 1681i ( a ), bureaus must complete a reinvestigation within 30 days of notice unless extended. These accounts remain reporting inaccurately after 120+ days of disputes. Furnishers also failed to validate per 15 U.S.C. 1681s-2 ( b ) and did not meet their duty of accuracy under 1681e ( b ). Several of these furnishers also never provided legally required Form 1099-C while reporting profit and loss write-offs or settled statuses, violating IRS and Metro 2 compliance ( Field 17 and Base Segment rules ). 

Additionally, many accounts ( including XXXX and XXXX XXXX ) show charge-offs and balances inconsistent with closure dates, and fail to reflect proper dispute codes ( XB or XR required by Metro 2 ). These inaccuracies affect lending decisions and are causing ongoing harm. 

I request immediate deletion of these accounts due to : Failure to provide proper debt validation ( FDCPA 15 U.S.C. 1692g ) Failure to verify disputed data within the legal timeframe ( FCRA 1681i ) Reporting inconsistent or incomplete data across CRAs ( FCRA 1681e ( b ) ) Omission of legally required documentation ( e.g., 1099-C, validation letters ) Metro 2 non-compliance in status coding, payment history, and dispute notation Relevant Case Law Supporting Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must do more than a cursory review. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reaffirmed reinvestigation duty under XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX Held that inaccurate dispute response is grounds for liability. 

I have asked for verification repeatedly but have never received documentation to substantiate these accounts or explain why they report differently between bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
These were received without any advance notice and may not be cleared. Review the accompanying files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I placed a freeze on my credit. Found out that someone hacked/hijacked/took over my experian account. 

Called and finally got a person after many attempts with the AI phone. They gave me an escalation ticket number and told me to send in documents. I did this and no reset done and no ability to now reach a person to check the status. 

They say use the mail, which I did. The last representative said he does have the documentation I sent but there are no other notes about the complaint. 

I can not unfreeze my account and I can not reset it. This is impeding my ability to verify my score with student aid for my son and he will not be able to pay his college tuition if this is not fixed as soon as possible.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-04 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I went to a Bank of America branch to withdraw funds and was informed that my checking account had a freeze placed on it. No one at the branch could explain the reason for the freeze. I was advised to call customer support for more information. 

Later that day, I called Bank of America support. The representative was unable to explain the reason for the freeze and instead told me I needed to go back to a branch to verify my identityeven though I had already been there in person that same day and had attempted to verify. 

On XX/XX/year>, I called customer service again, seeking answers and a resolution. I was again instructed to verify in person, without being given any clear reason or details about what documentation was needed. At no point was I provided a written notice explaining why my account was frozen or how to resolve it. I was also never given a timeframe for resolution, despite requesting this. 

Due to my urgent need for funds and lack of support from the bank, I attempted to use XXXX to access moneyand the transfer went through. This raises serious concerns, as it indicates that Bank of America allowed partial functionality of my account despite an active freeze. This inconsistency creates confusion, and could pose risks to other consumers in similar situations. 

Bank of America has failed to : Provide a clear or consistent explanation for the account freeze Offer written notice or documentation as required Explain what steps are required to resolve the issue Assist me in regaining access to my funds after multiple good-faith attempts This situation caused significant financial and emotional stress. I was left in financial limbo, unable to access my own money for basic needs.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXXXXXX ] 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 2025-08-04 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NV

Complaint narrative:
b"I was checking my credit report and found this that I don't recognize.I am attaching a copy of my police report/FTC identity theft report \nFTC Report Number: XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nXXXX 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

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 2025-08-04 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate information and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company has failed to send me any of the information I requested even with my other complaint they never sent verification of the debt, the ORIGINAL Contract bearing my signature and explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation