vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For several months, I have submitted formal disputes to Experian regarding multiple negative accounts and personal information errors on my credit report. These accounts contain data that is inaccurate, outdated, inconsistent, or unverifiable. Despite my documented requestsincluding proof of identity and detailed explanation of each errorExperian continues to report these negative items, causing serious harm to my credit. 

The reporting includes incorrect name variations, old addresses, placeholder employer info, and accounts that are either not mine or can not be verified according to the standards required by the Fair Credit Reporting Act ( FCRA ). Experian has failed to fulfill its legal responsibility under Section 611 of the FCRA to conduct a reasonable reinvestigation and ensure maximum possible accuracy. 

These accounts are damaging my ability to access fair credit, obtain loans, and manage my financial future. Ive acted in good faith, but Experian has not corrected the record despite clear evidence of their reporting violations.

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 2025-06-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-06-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
Account XXXX XXXXXXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student loan debt has brought my XXXX XXXX down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: FL

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 XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Before moving there was an agreement that was made that we would pay down our balance and there would not be an eviction filed. The balance of {$12000.00} was to be paid through a payment portal called ( XXXX ). Fast Forward to today this company has falsely reported themselves on our credit report and is seen as an eviction from future housing companies. We called and spoke with someone about our issue and why we could not get into the portal anymore despite us making payments toward bringing that balance down, all they could tell us was that they didn't know and couldn't find our case and names. Basically they couldn't help us and now this thing is in our report and needs to be taken down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
CBE Group contacted me about collecting a debt from XXXX that I do not owe. I have not purchased anything on XXXX since XXXX and certainly owe no debt to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In early XXXX, Bank of America offered me a partial settlement for my credit card debt. I began the process, but even the reduced amount became unaffordable due to job loss, homelessness, and needing to prioritize basic needs like food and hygiene. I had no choice but to stop making payments. 

Shortly after, my debt was sold to XXXX XXXX. In XXXX and again in XX/XX/XXXX, I sent certified letters to XXXX formally requesting debt validation under FDCPA Section 809 ( b ). I asked for documentation including the original signed agreement, an account ledger, proof of ownership, and licensing to collect in my state. 

As of XX/XX/XXXX, XXXX has failed to respond to either request. XXXX tracking confirms both letters were delivered. 

Despite this, they continue to report the account to credit bureaus, which constitutes collection activity without validating the debt, in direct violation of federal law. 

I have full documentation of all letters, certified tracking receipts, and delivery confirmations, which I am prepared to provide.

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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the continued reporting of a debt currently listed on my credit report by XXXX XXXX Collections. Under the Fair Credit Reporting Act ( FCRA ), negative items such as charged-off debts are only allowed to remain on a credit report for XXXX years from the date of first delinquency. 
It appears this debt collector has reported a date from 2020, which I assume is the date they purchased the debtnot the date of last activity on the original account. That date should not be used to reset or extend the reporting period. 
Given that the seven-year period has either passed or is fast approaching based on the actual date of delinquency, Im requesting that this account be immediately removed from my credit report in compliance with federal law.

Please investigate this matter and confirm removal. If it is not corrected, I may pursue further action under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
" Defendant CRAs received XXXX 's valid identity theft documentation under 15 U.S.C. 1681c-2 ( a ) but failed to block the disputed tradeline within 4 business days, in violation of the Fair Credit Reporting Act. Plaintiff suffered harm to credit reputation and was denied financial opportunities as a direct result. Defendants failure constitutes willful and/or negligent noncompliance under 1681n and 1681o. ''

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 2025-06-21 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information on TRANSUNION Credit Report - Account Number XXXX Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding inaccurate information appearing on my TRANSUNION credit report. Despite a debt being XXXX, Experian 's reporting does not accurately reflect the most recent status of this account. 

The account in question is with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ), with the account number XXXX. 

My TRANSUNION credit report currently shows this account with a status of " Closed. {$1000.00} written off, '' with the status updated as of XX/XX/XXXX. However, I have received an IRS Form XXXX, Cancellation of Debt, from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, for an amount of {$810.00}. This XXXX clearly indicates a " XXXX of XXXX '' ( Identifiable event code " F ' - By agreement ). 

The discrepancy is as follows : TRANSUNION Credit Report : XXXX the account was " written off '' for {$1000.00} as of XX/XX/XXXX. 

IRS XXXX XXXX : Shows a debt discharge of {$810.00} as of XX/XX/XXXX. 

The information on my TRANSUNION credit report is inaccurate and outdated, as it does not reflect the more recent and definitive discharge of debt as documented by the IRS Form XXXX. This inaccurate reporting negatively impacts my XXXX XXXX and financial standing. 

I request that the CFPB investigate this matter and compel Experian to : Promptly investigate this dispute. 

Update the tradeline for account number XXXX to accurately reflect the debt as XXXX, consistent with the IRS Form XXXX dated XX/XX/XXXX. 

Remove any derogatory remarks related to this debt that are inconsistent with its XXXX status. 

I have attached copies of my TRANSUNION credit report highlighting the inaccurate tradeline, and the IRS Form XXXX as evidence of the debt discharge. 

Thank you for your time and assistance in resolving this important matter. I look forward to your prompt response and a resolution to this dispute. 

Sincerely, 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 2025-06-21 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
I have requested information on my account such as loan modifications and pay out statement or receipt for payments no information have been paying since 2008 for a XXXX loan on my property and still paying.... my loan has transferred from One company to many companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I spoke to Portfolio Recovery Associates , LLC and explained that I was a victim of a data breach and identity theft. I also explained that someone opened up multiple accounts in my name and that they need to take this off my credit report. I provided them with proof of the data breach and a FTC report and they still put these accounts in a negative status on my credit report vs deleting them cause they are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
Re : Formal Demand for Deletion of Inaccurate Account Repeatedly Verified in Error Account Furnisher : XXXX XXXX Account : Balance : {$1000.00} Opened : XX/XX/XXXX To Whom It XXXX Concern, This letter serves as a formal renewed dispute and demand for deletion regarding the above-referenced account currently being reported on my TransUnion credit file. I have previously disputed this item, and your agency responded that the data XXXX XXXX the accuracy of the account. However, I am notifying you that the verified information is factually and legally false and materially misrepresents the account status in violation of federal and California law. 

Contradiction in Reported Data : XXXX XXXX reports the account was charged off in XX/XX/XXXX. 

Yet they also report a last payment made in XX/XX/XXXX. 

A charge-off means the creditor closed the account and declared it uncollectiblethus ending all payment activity. Reporting a charge-off followed by a payment is not only contradictory, it constitutes an inaccurate and misleading representation of the account history. 

This violates : 15 U.S.C. 1681s-2 ( b ) Duty of data furnishers to correct and delete inaccurate information California XXXX XXXX XXXX ( a ) CCRAA prohibition against knowingly furnishing false or misleading information XXXX XXXX XXXX Which require consistency across critical fields, including Account Status, Payment History, and Date of Last Payment XXXX Compliance Failure to properly reinvestigate and correct known data conflicts triggers CRA liability XXXX the FCRA Please note from attached pictures that the payment calendar clearly shows a charge off as a derogatory event and does not reflect any payments shown on XX/XX/XXXX as the last payment suggests. Please note the balance of my charge off was for {$1000.00} and the balance is still the same after my payment in XXXX so there is no way to know if I paid in full or there is truly a balance if I paid and the balance never went down at all. This is clearly inaccurate and misleading and both Transunion and XXXX XXXX are in breach of XXXX different FCRA violations as well as XXXX violations, XXXX, and more. I am already in litigation against XXXX XXXX for breaching these laws. This must be deleted or I will be forced to sue Transunion as well for negligent complacency in violating consumer 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 2025-06-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Peer Advisors, LLC
State: NC

Complaint narrative:
MY FATHER XXXX XXXX XXXX HAD A REVERSE MORTGAGE FOR PROPERTY AT XXXX XXXX XXXX XXXX NC XXXX SERVICED BY XXXX XXXX XXXX ( CELINK ). AFTER HE DIED IN XX/XX/year>. THE HOME WAS CONFISCATED. THE HOME WAS WORTH MORE THAN OWED ON THE REVERSE MORTGAGE. HOW CAN XXXX XXXX XXXX ( CELINK ) TAKE THE HOME WHEN THE HOME IS WORTH MORE THEN OWED? THE HOME IS LOCATED IN XXXX NC, BUT MY FATHER 'S ESTATE WAS SUSPICIOUSLY HANDLED IN XXXX XXXX MD ORPHAN COURT, WHERE I AM A HEIR. BUT WAS EXCLUDED FROM THE COURT PROCEEDING. I CLAIM FRAUD IN THE HANDLING OF THE REVERSE MORTGAGE BY XXXX XXXX XXXX XXXX XXXX  ) AND OTHERS

Company response to consumer: Closed with explanation