vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing this complaint because multiple negative accounts on my credit reports are being reported inaccurately, incompletely, or without proper validation, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I have already disputed these items with the credit bureaus ( XXXX XXXX XXXX  ) and contacted the collectors directly. Despite sending certified mail disputes, the information remains, and proper documentation has not been provided. 

Accounts in question include : XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXXXXXX ) {$230.00}, rental collection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ) {$1300.00}, insurance collection XXXX  XXXX XXXX XXXX XXXXXXXX ) charge-off {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX ) charge-off {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge-off {$760.00} Dept. of Education / XXXX XXXX XXXX XXXX and XXXX XXXX  ) reporting as 120+ days past due even after consolidation, which is inaccurate My Hardship Background : Since XXXX, I have worked in the nonprofit XXXX XXXX XXXX XXXX XXXX XXXX  and now as a XXXX  XXXX. After earning my XXXX XXXX in XXXX, I was diagnosed with XXXX, which caused a period of serious health and financial hardship. The XXXX pandemic worsened my health and financial condition, and I also lost my father to XXXX complications. In the midst of these hardships, my long-time partner of 10 years died by XXXX  due to financial strain, leaving me in XXXX while managing debt and XXXX  parenting responsibilities. 

Despite these extraordinary circumstances, I have taken steps to regain stability : consolidating my student loans, committing to repayment, and beginning the process of rebuilding my credit. 

Violations : Accounts are being reported as delinquent post-consolidation ( inaccurate under FCRA 607 ( b ) ).

Debt collectors have failed to provide proper validation ( FDCPA 809 ).

Continued reporting of unverifiable debt constitutes willful noncompliance ( FCRA 616, 617 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non-domestic XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Credit Card Billing, Collection, and Reporting Violations Dear CFPB, I am submitting this complaint against the unlawful handling of my credit card account. Despite my payments, the company has [ choose : inflated the balance / charged undisclosed fees/ reported false information / attempted unlawful collection ], causing serious harm to my credit and finances. 

This conduct violates multiple federal protections : Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( b ) requires accurate and transparent billing statements. Sudden or unexplained balance increases are violations.

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 gives me the right to dispute billing errors, which the company has ignored. 
Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 prohibits furnishing false or inaccurate information to credit reporting agencies.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e forbids the collection of amounts not legally owed and deceptive practices. 

Requested Resolution I request the CFPB to require XXXX XXXX XXXX To : XXXX. Correct and remove inaccurate charges or balances on my account. 
XXXX. Cease all unlawful collection efforts. 
XXXX. Delete or correct false information reported to credit bureaus. 
XXXX. Provide a full accounting of my payments, charges, and interest. 
XXXX. Pay statutory damages for violations of federal consumer protection laws. 

-Conclusion I trusted this creditor to manage my account in a lawful manner. Their actions have caused harm through inaccurate billing, unlawful collection, and false credit reporting. I request urgent CFPB intervention to correct these violations. 

Sincerely, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im honestly very upset that the inaccurate late payments are still appearing on my credit report even after all my efforts to fix it. Refreshing my browser didnt change anything, and this ongoing issue is causing unnecessary stress. Please check the documents I sent right away and make sure these errors are permanently removed so I dont have to deal with this anymore.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit record. I did not open these accounts, did not authorize them, and received no notification when they were added. To make matters worse, the details being reported differ across the credit bureaus, which violates the FCRA, 15 U.S.C. 1681e ( b ), as they are obligated to report only accurate information.

This situation also violates 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires complete and accurate file disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that has recently appeared on my credit report from the agency, MRS BPO , LLC, regarding an alleged debt of {$510.00} claimed to be owed to Spectrum. 
I want to make it clear that I have never opened an account with Spectrum and have no knowledge or records of any outstanding balance owed to them. This collection account is therefore being reported in error, or is a case of mistaken identity or potential fraud. 

Also addresses appeared on my credit report that I never lived at, XXXX XXXX XXXX And some XXXX address. 
Neither one have I ever lived at. Not sure if the account is associated with either address but if it is, I never lived at either one. 

In light of the XXXX TransUnion data breach, where millions of consumers personal informationincluding Social Security numbers, addresses, and account historywere potentially exposed, I have serious reason to believe that this alleged account may be the result of identity theft or misuse of my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, a charge for {$1600.00} was made to my bank account by XXXX XXXX. I paid over the phone with my debit card for an air conditioner on behalf of my elderly parents. During that call, I provided my card information and confirmed the name of the person ( my father ) who would pick up the unit the next day. 

When my father arrived to pick up the unit, he was asked to sign a document confirming pickup. That document contained language at the bottom stating the unit was sold as-is. This contract and condition were never disclosed to me at the time of purchase over the phone. I was the actual customer the one who paid for the unit but the merchant never presented me with these terms. 

The unit turned out to be defective. When my parents requested a refund, the merchant refused, citing the as-is clause. This clause was introduced after payment had already been made and signed by someone who was not the purchaser. If the merchant had disclosed that the purchase was as-is or involved a contract, I would not have agreed to it. 

I disputed the charge with my bank on XX/XX/year>. A bank representative initially told me the dispute was covered under Regulation XXXX, but when escalated, a supervisor said it was a merchant dispute and not covered because I voluntarily gave the card number. However, I did not consent to hidden as-is terms or an agreement I never saw. This was a bait-and-switch situation and should fall under Regulation XXXX protections. 

It has now been more than XXXX  days since I filed the dispute. I have not received a provisional credit or a final resolution, even though Regulation XXXX requires either provisional credit within XXXX business days or resolution within XXXX  days.

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against AWA COLLECT a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AWA COLLECT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXXXXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$76.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXXXXXX XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$76.00} XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, WA 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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, CHALLENGED OR NOT.

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 2025-09-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am receiving numerous phone calls every day from companies I've never contacted. I looked up their phone numbers online and found out they are a scam company in XXXX who pretend to be a legit credit reporting agency. There is no available way to talk to them, I answer the phone to try and tell them they have the wrong number/person, but they don't believe me and keep calling, they FALSELY think I have bad credit, there is a person claiming to be me, who's using my name with different spellings, that are obviously not me, looks like I'm on a lot of fraudulent credit call lists and need to know HOW to stop them from harassing me further and REMOVE ME FROM THESE LISTS!!! They call from various numbers I always block but they trash that number and endlessly call everytime with a new number! These people need to know I am not who they think I am- I've never had a credit card/nor any card issues and I'm getting these calls from someone doing identity theft on me. Please help. I can give you any proof you need to verify what I'm saying. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is collecting on a debt that is also being collected by XXXX XXXX XXXX. The letter I received from XXXX XXXX XXXX gave me an offer, and I have unknowingly been paying since XX/XX/year>. XXXX XXXX XXXX is taking payments from my checking account as well. The payments taken from XXXX XXXX Receivers began XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/year>, I mailed a certified dispute letter to the collection agency requesting validation of the alleged debt, including a signed contract, itemized statements, and proof of their authority to collect. The letter was delivered and confirmed, but as of XX/XX/year>, I have not received any response or documentation. Despite failing to provide validation, the collection agency continues to report the account to the credit bureaus, damaging my credit and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I do not know what or who this debt is to. I didnt know I owed anyone. 
I never received a call, or anything in the mail telling me I owed anyone any money. I dont know who it is or what it is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against AMEX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the XXXX XXXX XXXX, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation