vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The following accounts listed on my Experian credit report contain inaccuracies. I request that these accounts be thoroughly investigated, and if they can not be verified, they should be removed from my credit report. 

Charged-Off Accounts 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 2025-12-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$480.00} Report Evidence Date : XX/XX/year> To Whom It May Concern : I am writing to dispute the XXXX XXXX XXXX XXXX XXXX with XXXX XXXX  Platinum. The accuracy of this information is in question and requires reinvestigation under the Fair Credit Reporting Act. 

On XX/XX/year>, I mailed a certified Debt Validation ( DV ) and Cease & Desist ( XXXX & XXXX ) notice to XXXX XXXX XXXX. XXXX tracking confirms delivery. XXXX later issued a response, but only to the XXXX portion, and even that response did not include proper validation. Internal summaries were provided instead of actual account documentation or assignment proof. 

XXXX failed to address the Cease & Desist request entirely. 

Despite receiving both notices and providing no proper validation, XXXX continued reporting this tradeline. My XX/XX/year> credit report reflects an update from XX/XX/year>, which occurred after XXXX received my written notices. 

Given the furnishers failure to validate and continued reporting, I request : Reinvestigation of this account ; Verification from the furnisher ; Deletion if the furnisher can not substantiate accuracy. 

All communication should be by email or mail only. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-08 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: NY

Complaint narrative:
TransUnion failed to remove any and all negative and derogatory listings as according with 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 explanation
Consumer complaint received 2025-12-08 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: AR

Complaint narrative:
I am disputing the following accounts with Equifax. I believe the information reported is inaccurate and does not reflect the correct status of my accounts. I request that these accounts be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} Dispute Reason : This account is being disputed due to an inaccurate charge-off status and possible reporting error. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Dispute Reason : This account is being disputed due to an inaccurate charge-off status and possible reporting error. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Dispute Reason : This account is being disputed due to an inaccurate charge-off status and possible reporting error. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Dispute Reason : This account is being disputed due to an inaccurate charge-off status and possible reporting error. 

Inquiries XXXX Date of XXXX : XX/XX/XXXX Dispute Reason : This inquiry is being disputed as unauthorized or 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 2025-12-08 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 item inaccurately represents my financial history. I respectfully request a review and appropriate update to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Columbia Debt Recovery LLC ( Genesis ) is attempting to collect a debt that is inaccurate, inflated, and not properly validated. I requested validation under the FDCPA and they failed to provide complete documentation within the required timeframe. They did not send a full accounting, accurate itemization of charges, or proof that I owe the amount they are attempting to collect. They also did not provide any contract or agreement signed directly with them. 

The original apartment complex XXXX XXXX XXXX XXXX XXXX  ) has a documented history of illegal rent practices, hidden fees, misapplied payments, and COVID-era payment violations. My ledgers show multiple inaccurate charges, illegal late fees, rejected partial payments, and misapplied subsidy checks from a veterans housing program. Columbia Debt Recovery is attempting to collect these disputed and inaccurate amounts without investigating or validating them.

I also sent Columbia Debt Recovery a Round 2 debt validation letter with detailed documentation and they did not respond at all. This is a direct violation of the FDCPA. They continue to report and attempt to collect a debt with no verification, incorrect balances, and unlawful added interest. I am requesting enforcement action and removal of this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/year>, my Wells Fargo debit card was stolen from my vehicle in XXXX XXXX XXXX, Arkansas. The thief used my debit card without my authorization to make a {$1900.00} purchase at XXXX XXXX. I did not make this purchase or receive any goods or benefit from it. 

I filed an official police report with the XXXX XXXX XXXX Police Department : Report # : XXXX Criminal offense : Fraudulent Use of Credit Card / Theft Victim : XXXX XXXX ( The report documents the theft and unauthorized charge on pages XXXX. ) Arkansas Police Report I reported this fraud to Wells Fargo right away. However, Wells Fargo refused to open a fraud claim, falsely stating that there was no evidence of fraud even after receiving the police report. 

Wells Fargo has not investigated this crime, has not refunded my stolen funds, and has not provided a written response, which violates my rights under Regulation E ( 12 CFR 1005 ). 

I am a fraud victim and Wells Fargos refusal to investigate has caused financial harm and distress

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 2025-12-08 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: CA

Complaint narrative:
I am filing this complaint because several items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to resolve these issues directly with the bureaus, but the information continues to be reported incorrectly. I am requesting the CFPBs assistance in having the bureaus conduct a proper investigation and correct or remove all inaccurate information. 
INQUIRIES UNDER DISPUTE XXXX Inquiry dated XX/XX/year> I did not authorize this inquiry and did not apply for credit with this company. I am requesting its removal. 

LATE PAYMENTS UNDER DISPUTE The following late payments appear inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify all reported delinquencies. If the furnishers can not provide proper documentation, these items should be corrected or removed.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint because the credit bureaus reported that a disputed collection account was verified as accurate, even though I provided clear written documentation showing the opposite. 

The collection agency, XXXX submitted an official response to the XXXX XXXX XXXX confirming the following in writing : My collection account was canceled, They would no longer collect on it, and They submitted deletion requests to Experian, XXXX, and XXXX  on XX/XX/year>, with instructions to allow 3090 days for the update. 

This is formal documentation from the data furnisher itselfthe company responsible for reporting the debt. Despite sending this to the credit bureaus during my dispute, the bureaus still marked the collection as verified and refused to update or delete it. 

The credit bureaus did not properly investigate my dispute, did not consider the written cancellation letter from the data furnisher, and failed to follow FCRA procedures. They can not legally verify a debt that the reporting agency has formally canceled and agreed to delete.

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 2025-12-08 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: IL

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent inquiries that were opened without my knowledge or consent. Despite prior submissions these inquiries or their related information continue to appear or remain unblocked in my file. The following fraudulent inquiries must be permanently blocked and deleted from my credit file and any future reinsertion of this or related inquiries must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT HARD INQUIRIES XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, These inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent inquiries listed above Delete all existing records inquiries or derivative data connected to these inquiries Ensure future suppression preventing any of these or related inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent inquiries or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these inquiries has been permanently deleted and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I ordered {$1200.00} of clothes from bloomingdales on XX/XX/2025. It delivered XX/XX/2025 and i returned and sent back on XX/XX/2025. my refund never was credited on my account. After being told to keep waiting for weeks, i finally disputed so my credit was not impacted. On XX/XX/XXXX, company responded with an update confirming they have issued a credit of {$1200.00} and it will apply in XXXX billing cycles ( XXXX ). It still never applied, i have contacted company by phone and email, all representatives agree it should have applied but cant see why it didnt. ive spent hours trying to get a resolve and no one knows why it says it refunded me but never did XXXX months later.

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 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: NM

Complaint narrative:
I asked Rent Recovery Solutions for a written letter for validation purposes and they did not provide what I asked for, instead XXXX told me that I would need to pay {$4100.00} in a full lump sum, demanding that I must pay money order on XX/XX/year> when I called the number listed on their website XXXX. I again requested the letter as an agreement to prove the validity of the debt collection but I was denied until payment.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I am disputing an apartment debt that Rental Recovery Solutions is attempting to collect and reporting to XXXX. I moved out of the apartment on XX/XX/2025 I never received a final move out statement or any itemized bill within the required XXXX  days. 

On XX/XX/2025, the collector sent me a document labeled " XXXX Account Statement '', but it is not valid or complete. It does not include photos of any damages, a move out inspection report, receipts, invoices, repair dates, contractor information, or any proof that the charges are accurate or lawful. Many charges are duplicated, inflated and not itemized. There is no evidence that any repairs were done that I was notified of these charges at move out. 

Because they can not provide proper documentation, they are reporting and attempting to collect an unverified and incorrect amount. This appears to violate the FDCPA and FCRA. I requested validation, but they did not provide the legally required information. I am requesting CFPB assistance to have this unverified debt corrected or removed from my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief