vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from Columbia debt recovery who claimed to be a debt collector to settle a debt between me and my previous apartment leasing company. I had previously interacted with the previous leasing apartment company representative and had explained the debt was fully paid back in XXXX. I explained over the phone with Columbia debt recovery that I did not owe the debt and would dispute in written email. On the same day, XX/XX/XXXX I sent my written dispute to Columbia debt recovery and have not received any correspondence since then. However as I was checking my credit report on XX/XX/XXXX, I noticed the debt was on my credit report even though I did dispute my debt via written email. I disputed with CFPB on XX/XX/XXXX and Columbia debt recovery provided a validation of debt different than what I have in hand. I have attached the moveout statement which clearly showed that the apartment leasing company received my last month rent using my deposit and tried to collect me double monthly charges for my last month rent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation
State: PA

Complaint narrative:
XX/XX/XXXX I set up a payment plan with uscb corporation to pay my XXXX XXXX debt to XXXX and I asked for an itemized list of the charges they couldn't provide it for me. when I asked for proof of a payment plan they won't do that either. It's prohibiting me from getting a loan on a car and now I'm sticking walking to work.

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 2025-04-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX XX/XX/year> XXXX XXXX XXXX XXXX, AZ XXXX Re : Dispute of Debt Account Number : XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt associated with the above-referenced account. The alleged debt pertains to charges from my previous residence at [ Apartment Name/Address ], where I was forced to vacate due to severe flooding and unlivable conditions. 

During my tenancy, the apartment experienced significant flooding, resulting in conditions that were hazardous to my health and safety, as well as that of my daughter. Despite repeated attempts to have the issues resolved, the management failed to make the necessary repairs, rendering the unit uninhabitable. Consequently, I had no choice but to relocate for our safety and well-being.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : 1. Cease all collection activities related to this disputed debt until you have provided verification and documentation proving the validity of the amount claimed.

2. Conduct a thorough investigation into the circumstances surrounding this debt, including the conditions of the apartment and any relevant repair and maintenance records.

Please also be advised that reporting inaccurate or unverifiable information to credit reporting agencies is a violation of the Fair Credit Reporting Act ( FCRA ) and may result in legal action. If this debt can not be validated or substantiated, I request that it be immediately removed from my credit report.

You are hereby notified that any further communication regarding this debt must be conducted in writing. Additionally, I reserve the right to pursue legal action if your company continues to pursue this unverified debt or reports false information to the credit bureaus.

Please confirm receipt of this letter and provide a written response within 30 days. 

Sincerely, 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 2025-04-03 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: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-04-03 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am once again forced to file a complaint because TransUnion continues to report a fraudulent and unauthorized account XXXX XXXX # XXXX despite repeated disputes. This is outrageous. Both XXXX and XXXX deleted this account immediately after my first dispute, yet TransUnion refuses to do the same. That alone speaks volumes. I never authorized this account, never consented to it being reported, and never gave written permission as required by 15 U.S.C. 1681b ( 2 ) of the Fair Credit Reporting Act. TransUnion has failed to provide any proof that this account belongs to me, and yet they keep verifying it with no documentation, no explanation, and no lawful basis. This is not a mistake it is willful noncompliance. Under 15 U.S.C. 1681i, they are required to conduct a reasonable reinvestigation. What theyve done instead is rubber-stamp this false account over and over again, even after the other two bureaus removed it. That is grossly negligent, and frankly, unacceptable. This bogus tradeline is actively hurting me. Its dragging down my credit score, damaging my financial reputation, and causing me serious XXXX XXXX and hardship. I should not have to fight this hard just to have unauthorized information removed from my own credit file. I demand immediate deletion, and I will not hesitate to escalate this further including legal action under 15 U.S.C. 1681n for willful violations of 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TN

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Experian credit report on XX/XX/year>2025 and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assures maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any in formation relating to a consumer reporting agency if the person know 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 2025-04-03 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: AL

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 2025-04-03 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:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Wolf River Development Company
State: OR

Complaint narrative:
I personally just found out that I have a payday loan out and with the notice of where I live it is illegal to be offering in my state the payday loan and I did not even apply for the loan and now my job is getting all this information about me getting the loan that I have never applies for I know a lot of fraud is happening out there as well so im disputing this charge of a payday loan and how I can get off this contacting my employee XXXX department about my credit information that does not even imply to them to worry about me personally and my job as an XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  is not so good looking on my record as well Directed by my supervisor to check into this and get it dealt with ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party 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 non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX05B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood has been holding {$120000.00} of my funds for over 34 months. They informed me that it takes up to 120 days from the date my account was closed for them to send a check to my mailing address. However, they refuse to tell me the exact date that the account was officially closed or when the 120-day countdown began. Without that information, I have no way of knowing when I will receive my money. Every time I contact them, they repeat the same message : It takes up to 120 days, without offering any meaningful update or clarification. 

I took out a home equity line of credit to fund this account, and I am currently paying close to {$2000.00} per month in interest. Because of this delay, Ive incurred nearly {$8000.00} in interest charges with no access to my funds. This situation is financially burdensome and unacceptable. I am requesting immediate resolution and a clear answer regarding when my check will be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Torres Credit Services, Inc.
State: IL

Complaint narrative:
I request Validation of debt from each company Torres Credit Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, These companies is violating the FCRA by reporting inaccurate information to credit reporting agencies without the consumer consent, I didn't authorize either company to furnish my report. which is in fact another violation to the FCRA, also the FDCPA. these third party collections doesn't have my permission to have my personal information, and the credit reporting agency is in fact violating my rights as a consumer I didn't give trasunion the authorization to report inaccuracies onto my credit report. according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I request contracts with each company with my signatures, also validation of debt, I request your license to collect on this alleged debt in my state ILLINOIS. who gives you the right to collect from myself? I do not have an agreement with any of these companies I don't know of them, never did any business with them. They are violating the law they're Conspiring to collect an alleged debt which can lead to imprisonment also fined as I stated above. to conspire means making secret plans jointly to commit an unlawful or harmful act each company is doing all of the above. I demand a proper investigation, and to notify myself ad the other credit agencies of any changes due to the accounts above. 



Your XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I request Validation of debt from each company XXXX XXXX XXXX, Alduous & Associates, XXXX XXXX, XXXX XXXX, XXXX XXXX, These companies is violating the FCRA by reporting inaccurate information to credit reporting agencies without the consumer consent, I didn't authorize either company to furnish my report. which is in fact another violation to the FCRA, also the FDCPA. these third party collections doesn't have my permission to have my personal information, and the credit reporting agency is in fact violating my rights as a consumer I didn't give XXXX the authorization to report inaccuracies onto my credit report. according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I request contracts with each company with my signatures, also validation of debt, I request your license to collect on this alleged debt in my state ILLINOIS. who gives you the right to collect from myself? I do not have an agreement with any of these companies I don't know of them, never did any business with them. They are violating the law they're Conspiring to collect an alleged debt which can lead to imprisonment also fined as I stated above. to conspire means making secret plans jointly to commit an unlawful or harmful act each company is doing all of the above. I demand a proper investigation, and to notify myself ad the other credit agencies of any changes due to the accounts above. 



Your XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation