vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have no knowledge of this balance. I've received XXXX ledgers from the rental company and they both reflect a {$0.00} balance. I spoke with the company and they also have no knowledge of this balance. The company requested that I dispute the charge due to them not knowing what to do or how to move forward and rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 2025-02-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian Dispute Department, Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting verification and removal of the following accounts that do not belong to me. These accounts have been incorrectly reported under my credit file, and I demand their immediate deletion unless verifiable proof is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : I am requesting full verification of these accounts, including all original documentation proving my legal obligation. If such documentation can not be provided, you must remove these accounts under 15 U.S. Code 1681g.

FCRA Section 611 Request : As outlined in 15 U.S. Code 1681i, you are required to conduct a reinvestigation of these accounts within 30 days. If you can not provide evidence that these accounts are accurate, they must be deleted immediately. 

If this matter is not resolved within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance.

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 2025-02-04 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: OR

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts appearing on my credit report. As a result, I am requesting that the following accounts be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as these accounts were opened or accessed without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
I am writing to formally notify you that I am victim of a data breach and identity theft that has impacted my financial information as such I request that you block and delete all accounts related to the following collection agencies from my credit report pursuant to my rights under 15U.S.C 1681c 2 ( a ) ; XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX 
account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX & Account number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXXXXXX XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number ; XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX  XXXX XXXX XXXX. 
account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX 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 2025-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: GA

Complaint narrative:
XX/XX/year> - recieved payoff from Vanderbuilt mortgage for refinancing loan. 
XX/XX/year> - closed on new mortgage XX/XX/year> - vanderbuilt recieved payoff and same day transferred my mortgage to a collection agency XXXX XXXX. 
XX/XX/year> - vanderbuilt applied a XXXX and XXXX house payment then applied remaining funds to the principle, stating that payoff was nit met and still incurring interest. 

Since this time i have been fighting to make the books straight. Being told that the differen e was taxes owed, lie because taxes were paid in XXXX to being told pay off was short. In XXXX resolved that if i paid {$500.00}, it would be closed. So i did that. Now they are claiming that over a {$1000.00} was due so they took the remaining escrow funds of {$840.00} as payment. 
How are financial institutions allowed to commit such fraud and VA allow this to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Eastern account system is on my credit and I have reached to ask them to remove the account. And I asked why were on my credit, they were rude and would not help me. So I went to XXXX and asked if they would help, I was told that I was not in collects, I am paying my bill in the store so I can't be in collects. Eastern Account System did close the account but have not removed it. I am hoping you can help me and ask them to please remove it from my credit. Thank you for any help you can offer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 



EQUIFAX TRANSUNION Experian SUBJECT : Forma Dispute Regarding Inaccurate Information On My Credit Report. 

Dear : Equifax, Tranunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. Im aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuraciens, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Exprerian for its failure to properly investigate consumer disputes, citing, sham investigation and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about the investigation resuls effectively. 

These obligations highlight systemic issues that directly undermine consumer prtextions and perpetuate the inclusion of inaccurate information on credit report. I am deeply concerned that my disopte may be mishandled a similar manner.

Prease review the inaccurate information being report : Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thanks for addressing this matter for me very soon. 


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 2025-02-04 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 



EQUIFAX TRANSUNION Experian SUBJECT : Forma Dispute Regarding Inaccurate Information On My Credit Report. 

Dear : Equifax, Tranunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. Im aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuraciens, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Exprerian for its failure to properly investigate consumer disputes, citing, sham investigation and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about the investigation resuls effectively. 

These obligations highlight systemic issues that directly undermine consumer prtextions and perpetuate the inclusion of inaccurate information on credit report. I am deeply concerned that my disopte may be mishandled a similar manner.

Prease review the inaccurate information being report : Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thanks for addressing this matter for me very soon. 


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 2025-02-04 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Mohela says my loans are federal but through a private company and can't be forgiven even though I have 10 years of civil service. Theys aid XXXX  started the loan- but XXXX  says they don't hold the loan. 
I get conflicting information. 
The Dept of Education claimed that if I consolidated with them it would still take 10 years before I would qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. Under the provisions of 15 U.S.C. 1681o of the Fair Credit Reporting Act, I am requesting that you investigate this matter, as I believe this information is inaccurate or incomplete. 

The item ( XXXX ) in question are : Account Name : XXXX XXXX XXXX {$2000.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} In accordance with the Fair Credit Reporting Act, I request that you : 1. Investigate this dispute within 30 days, as required by law.

2. Provide me with the results of your investigation.

3. Correct or remove the inaccurate information from my credit report, if applicable.

Please provide me with written confirmation of the resolution of this dispute once your investigation is complete. If you need further information or documentation from me to assist in the investigation, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response in accordance with my rights under 15 U.S.C. 1681o. 

Sincerely, 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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. Under the provisions of 15 U.S.C. 1681o of the Fair Credit Reporting Act, I am requesting that you investigate this matter, as I believe this information is inaccurate or incomplete.

The item ( s ) in question are : Account Name : XXXX XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} In accordance with the Fair Credit Reporting Act, I request that you : 1. Investigate this dispute within 30 days, as required by law.

2. Provide me with the results of your investigation.

3. Correct or remove the inaccurate information from my credit report, if applicable.

Please provide me with written confirmation of the resolution of this dispute once your investigation is complete. If you need further information or documentation from me to assist in the investigation, kindly let me know.

Thank you for your attention to this matter. I look forward to your prompt response in accordance with my rights under 15 U.S.C. 1681o. 

Sincerely, 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 2025-02-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
15 usc 1692c ( c ) If a consumer notifies a debt collector that consumer refuses to pay a debt, the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
This complaint regards cash app. There has been three times, where money has been withdrawn or transferred with out my consent. The first time, {$20.00} got withdrawn or transferred. The second time was {$15.00} it was transferred into XXXX, then withdrawn.the last time was {$35.00} withdrawn or transferred into someone else 's account without my consent. I asked cash app to supply me with records of the transactions but they could not. Please help me with this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN has violated my rights. 

I looked at my transunion XXXX Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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