vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Continued Dispute of Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB or XXXX  or XXXX Representative, I am writing in continued dispute of the charged-off account related to Loan ID : XXXX, which has been reported to XXXX  by XXXX  and/or its collection agency, XXXX. 

As stated in my original dispute, I did not authorize or initiate this loan or purchase. Despite multiple disputes, XXXX has not presented sufficient proof of identity verification or consent beyond generic digital documentation. The mere presence of an electronic signature or system-based authorization is not conclusive proof of identity or intent, especially in identity theft cases.

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a reinvestigation of any disputed item that is not accurate or can not be verified. Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers of credit information to conduct a reasonable investigation once a dispute is madeand delete or correct any unverifiable information.Supporting Legal Basis & Case Law Spears v. Brennan , 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) : Creditors and collectors must prove assignment and authentication of a debt.

Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ) : Failure to produce adequate documentation can make continued reporting a violation of the FCRA.

FTC Identity Theft Guidelines : Require removal of fraudulent accounts when proper notice is given, even if a creditor disputes the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Continued Dispute of Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB or XXXX  or XXXX Representative, I am writing in continued dispute of the charged-off account related to Loan ID : XXXX, which has been reported to XXXX  by XXXX  and/or its collection agency, XXXX. 

As stated in my original dispute, I did not authorize or initiate this loan or purchase. Despite multiple disputes, XXXX has not presented sufficient proof of identity verification or consent beyond generic digital documentation. The mere presence of an electronic signature or system-based authorization is not conclusive proof of identity or intent, especially in identity theft cases.

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a reinvestigation of any disputed item that is not accurate or can not be verified. Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers of credit information to conduct a reasonable investigation once a dispute is madeand delete or correct any unverifiable information.Supporting Legal Basis & Case Law Spears v. Brennan , 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) : Creditors and collectors must prove assignment and authentication of a debt.

Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ) : Failure to produce adequate documentation can make continued reporting a violation of the FCRA.

FTC Identity Theft Guidelines : Require removal of fraudulent accounts when proper notice is given, even if a creditor disputes the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Continued Dispute of Unauthorized Loan Affirm / TrueAccord Loan XXXX Dear CFPB or Affirm or XXXX Representative, I am writing in continued dispute of the charged-off account related to Loan ID : XXXX, which has been reported to Experian by Affirm and/or its collection agency, XXXX. 

As stated in my original dispute, I did not authorize or initiate this loan or purchase. Despite multiple disputes, XXXX has not presented sufficient proof of identity verification or consent beyond generic digital documentation. The mere presence of an electronic signature or system-based authorization is not conclusive proof of identity or intent, especially in identity theft cases. 

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a reinvestigation of any disputed item that is not accurate or can not be verified. Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers of credit information to conduct a reasonable investigation once a dispute is madeand delete or correct any unverifiable information.Supporting Legal Basis & Case Law SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Creditors and collectors must prove assignment and authentication of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Failure to produce adequate documentation can make continued reporting a violation of the FCRA. 

FTC Identity Theft Guidelines : Require removal of fraudulent accounts when proper notice is given, even if a creditor disputes the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Hello, I'm reaching out with complete frustration. I recently discovered a collection account on my credit report for a debt I know nothing about. I never opened this account, never received services, and certainly never agreed to any terms. On top of that, Ive been bombarded with threatening messages and calls from multiple sources, which is incredibly distressing and disruptive to my life. This situation is not only unfair, but also a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
After a recent response to a previous complaint filed with the CFPB, Genisis Debt Recovery agreed to adjust a debt amount owed to my XXXX XXXX, XXXX XXXX owned by XXXX. Originally the online payment system for the XXXX XXXX created an incorrect balance on my account which was not in my error. The online system did not allow for partial payments so the XXXX XXXX XXXX XXXX XXXX while their technology department updated my account. Before the balance was corrected and paid, the XXXX XXXX XXXX XXXX  and I was unable to receive the correct final move out balance nor was I able to get in contact with the complex regarding the issue. When the debt was turned over to Genisis they began charging me interest although the fault lay with the XXXX XXXX and there was no agreement to charging interest. The amount they ( Genisis ) originally tried to request was inaccurate, and they could not verify the debt with their client ( XXXX ) due to no response after my first CFPB complaint. My original account balance with Genisis was {$6200.00} including a {$990.00} XXXX XXXX, {$400.00} XXXX XXXX, {$170.00} fee, {$1700.00} XXXX XXXX and a claimed previous XXXX XXXX of {$2800.00}. All of these charges I disputed due to various facts which I addressed and included documentation ( emails, physical letters, my lease agreement & banks statements ) in the previous complaint. Genesis response was that they would adjust my balance to remove the XXXX XXXX XXXX XXXX the {$170.00} fee and update my rent charge to XXXX XXXXXXXX as found in my contract. The new balance they came up with was {$3300.00}. They did not acknowledge the interest being charged on my account nor the {$400.00} XXXX XXXX  both of which I am still disputing. And despite this response via CFPB and multiple emails sent requesting an updated detailed statement, my online account with Gensis currently states that I owe {$3800.00} which is {$500.00} off from what they agreed to in the first CFPB response. The correct balance owed is {$2600.00}. This is for XXXX, XXXX and XXXX days of XXXX with {$60.00} owed for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently reviewed my credit reports and was shocked to find an Authorized user account from Capital one for what is purported to be a high balance closed account. I am formally disputing this account, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
i submitted a formal billing error dispute with navy federal credit union pursuant to 12 CFR subsection 1026.13 of Regulation Z. The dispute related to XXXX key issues : XXXX the most recent statement reflected a positive balance, not a negative or owned amount. However, Navy Federal subsequently claimed that i owe a debt. This is inconsistent with the information provided in the statement and suggests a billing error. 
XXXX the statement lacks a transaction ledger or itemized breakdown, making it impossible for me to verify how the balance was calculated. This violates the transparency requirements under Regulation Z and prevents me from understanding or confirming the alleged debt. 
I sent the certified letter written dispute to Navy Federal within the required 60 day window. As of today XX/XX/year> : - they have not acknowledged receipt of my billing error notice. 
-they have failed to provide any documentation or investigation results. 
-they are continuing to treat the account as if the balance is valid, which may included collection activity or negative credit reporting- in direct violation of protections provided by under 12 CFR Subsection 1026.13 ( d ).

i am requesting that the CFPB assist in compelling Navy federal to : - provide a full and itemized breakdown of all charges and credits leading to the balance ; -cease any adverse action on this account while dispute is unresolved -acknowledge and comply with their obligations under federal law below i will attach the billing error notice, original statement and proof of delivery certified tracking : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am a victim of XXXX XXXX XXXX there is fraudulent/error addresses and names and accounts on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: WI

Complaint narrative:
I have never had a problem with my card with any fraud any purchases that I didn't make anything and they will not let me use my card on what I want to spend my card on and one of them is XXXX ATM that my son is in XXXX and I can't send him money to eat and when I told him I'm making the purchases they told me that there's a fraud flag on my card and they can choose who I spend my money with and that I should take all the money off my card and put it on a different card that's XX/XX/XXXX and then they told me that XXXX is doing it not XX/XX/XXXXXX/XX/XXXX so they're giving me the runaround

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MD

Complaint narrative:
I am formally filing a complaint against Experian, Equifax, and TransUnion for inaccurate and harmful reporting under the Fair Credit Reporting Act ( FCRA ). 

For nearly XXXX years, my credit file has shown XXXX separate entries for the exact same XXXX XXXX XXXX XXXX credit card account. Both listings reflect the same open date, credit limit, balance history, and account number just slightly different status descriptions. This is a textbook case of duplicate reporting, and it has remained on my credit profile since at least 2019. 

As a result, I have been unfairly penalized by : A double impact to my payment history A false increase in my debt-to-credit ratio The appearance of XXXX charge-offs A lower credit score across all three bureaus Limitations in accessing affordable credit, housing, and more Under FCRA 607 ( b ), credit bureaus are required to maintain the maximum possible accuracy of consumer information. Duplicate tradelines for the same account are inherently inaccurate and misleading. 

Despite my recent discovery and submission of a formal dispute with supporting evidence, I believe the harm has already been done. I am requesting that both duplicate entries be deleted from all three credit bureaus as a remedy for this long-standing violation. The bureaus had over XXXX years to identify this duplication it should not have fallen on me to detect and correct it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have been a Bank of America customer for XXXX  years. I have custodial accounts set up for both of my daughters. When the accounts were set up they told me that there was no minimum balance that need to be kept because they were children. It has recently come to my attention that over the past XXXX years they have been taking out a {$5.00} fee from my daughter 's account because she had less than {$300.00} in the account. I called customer service to check on this. They told me they know longer have this type of account and I need to set up a joint account to stop having fees. They said they could reimburse up to a years worth of fees but I need to go into the bank for the rest. I went into the bank and they said everything was set up right with the account and fees should have never been taken out because she is a student but I need to call customer service to resolve the issue. The supervisor I spoke to said she could not refund the {$95.00} worth of fees and there was nothing she could do to get my daughter 's money back.

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 monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
I contacted the credit bureaus about inaccurate information reporting to my credit file. I also requested a copy of the original signed contract and a video of me signing the contract and after several attempts to collect this information this bureau has failed to furnish this vital Information which is against the law! According to the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelson Cruz & Associates LLC
State: OK

Complaint narrative:
XX/XX/XXXX talked to XXXX at XXXX XXXX  gave me a settlement offer XXXX I asked for a counterfiet offer never agreed to anything adv will try and comeup with money but never agreed to her offer. 

XX/XX/XXXX nelson and assoc talked to XXXX said i settled which i did not adv XXXX to stop contacting me at other numbers adv this harrasment she hu call, called back asked for supervisor lady said talk to someone else since she is going into a meeting, talked to a man he said i settled I advised i didnt not i hung up call advised to stop calling me, after that i called XXXX XXXX XXXX XXXX  adv i never settled and to stop advising companies i did because that is a lie.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-16 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief