vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
On XX/XX/year>, I contacted Genesis Collections regarding an account they are reporting. I had received a notification from the credit bureaus about an adjustment and wanted clarification. The collector confirmed a balance of {$3500.00} and claimed that by the grace of XXXX fees had been removed. I explained that this was not by the grace of XXXX but because the original {$6800.00} balance was always inaccurate. I also asked about my {$1000.00} security deposit, which has never been credited. The collector could not explain these discrepancies. 

I then asked if settlement or negotiation was possible since I was considering paying the debt immediately. The collector said the only adjustment available was 10 %. When I pressed further, he laughed at me in a mocking manner and said : Since youre not trying to pay, dont ever call this number again unless youre ready with a credit or debit card. 

He then hung up. This was harassing, mocking, and unprofessional behavior, which shut down my right to ask questions or dispute the debt. 

This incident is part of a larger pattern. Nearly two years ago, I disputed the debt in writing, provided my drivers license as requested, and asked for clarification. Genesis improperly demanded a police report ( irrelevant since this was a billing dispute, not identity theft ). They never clarified my dispute or corrected the account. Instead, Genesis has continued to report conflicting balances : {$6800.00} originally, {$6000.00} with interest, {$3800.00} currently on my credit reports, and {$3500.00} told to me by phone on XX/XX/year>. 

This account has been reported inaccurately and inconsistently for over two years, and Genesis has engaged in harassing collection practices when Ive attempted to resolve it. Their conduct violates the FDCPA ( harassment and refusal to properly validate ) and the FCRA ( inaccurate reporting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Again. My dispute is the fact that this is NOT a student loan which makes this debt apart of my bankruptcy. Remove the debt from my credit report.

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 information incorrect
Company: Skopos Financial, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, I filed XXXX  XXXX bankruptcy in the U.S. Bankruptcy Court for the District of Arizona ( Case No. XXXX ). My Skopos Financial auto loan, opened in XX/XX/XXXX and closed in XX/XX/XXXX, was included in that bankruptcy. The account has had a {$0.00} balance since XXXX. 

Despite being closed for years and included in bankruptcy, Skopos Financial has continued to furnish false and misleading information : On XX/XX/XXXX, the tradeline was updated to show XX/XX/XXXX late payments on a loan that has been closed since XXXX. 
XXXX shows the account as last updated XX/XX/XXXX, months after my petition date. 
XXXX  shows it more accurately ( closed XXXX, bankruptcy notation in XX/XX/XXXX ), but the inconsistency across bureaus proves that Skopos is furnishing inaccurate data. 

Adding late payments in XXXX to an account that was closed in XXXX is false reporting and re-aging. It makes it appear as though I was continuously delinquent long after the account closed and after bankruptcy was filed. 

This conduct violates the Fair Credit Reporting Act ( FCRA 605 ( c ), 623 ( a ) ( 5 ), 1681s-2 ( b ) ) and the federal bankruptcy automatic stay under 11 U.S.C. 362, which prohibits creditors and furnishers from continuing collection activity or furnishing new derogatories once a bankruptcy petition is filed. 

I disputed this account with the credit bureaus, but Skopos Financial certified the false information as verified, which means they knowingly confirmed inaccurate 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 2025-09-27 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-27 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Notice of Intent to Sue & Demand for Validation To Whom It May Concern, This letter serves as my formal Notice of Intent to Sue regarding your reporting and collection activity for account XXXXXXXX XXXX XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I hereby demand : 1. Full Validation of the Alleged Debt including an itemized statement of charges, copies of any contracts or agreements bearing my wet signature, and time-stamped photographic evidence of alleged damages ( if applicable ).

2. Complete Chain of Assignment from the original creditor to the present party, including all purchase agreements, bills of sale, transfer documents, and endorsements, demonstrating clear legal standing.

3. Securitization Audit disclosure of whether this alleged account was pooled, securitized, or sold to a trust or third party, with copies of all related documentation.

4. Immediate Cease of Negative Credit Reporting until the debt is properly validated as required by law. Continuing to report unverifiable debt is a violation of federal law. 
XXXX. Removal of Any Inaccurate or Unverified Reporting from all consumer reporting agencies ( Experian, Equifax, TransUnion ) if you can not provide proper validation within the timeframe required. 
Failure to comply will leave me no choice but to : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX XXXX XXXX XXXX and the Office of the State Attorney General. 
- Seek all available remedies in civil court, including statutory damages, actual damages, attorneys fees, and court costs for violations of the FDCPA and FCRA. 
Please note that if you can not validate this debt with the required documentation, you must immediately cease collection efforts and delete any negative entries from my credit report. 
If this matter is not resolved within 15 days of receipt of this letter, I will proceed with filing complaints and initiating legal action without further notice. 
Govern yourself accordingly. 
Sincerely

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Notice of Intent to Sue & Demand for Validation To Whom It May Concern, This letter serves as my formal Notice of Intent to Sue regarding your reporting and collection activity for account XXXXXXXX XXXX XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I hereby demand : 1. Full Validation of the Alleged Debt including an itemized statement of charges, copies of any contracts or agreements bearing my wet signature, and time-stamped photographic evidence of alleged damages ( if applicable ).

2. Complete Chain of Assignment from the original creditor to the present party, including all purchase agreements, bills of sale, transfer documents, and endorsements, demonstrating clear legal standing.

3. Securitization Audit disclosure of whether this alleged account was pooled, securitized, or sold to a trust or third party, with copies of all related documentation.

4. Immediate Cease of Negative Credit Reporting until the debt is properly validated as required by law. Continuing to report unverifiable debt is a violation of federal law. 
XXXX. Removal of Any Inaccurate or Unverified Reporting from all consumer reporting agencies ( Experian, Equifax, TransUnion ) if you can not provide proper validation within the timeframe required. 
Failure to comply will leave me no choice but to : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the XXXX XXXX XXXX XXXX XXXX XXXX and the Office of the State Attorney General. 
- Seek all available remedies in civil court, including statutory damages, actual damages, attorneys fees, and court costs for violations of the FDCPA and FCRA. 
Please note that if you can not validate this debt with the required documentation, you must immediately cease collection efforts and delete any negative entries from my credit report. 
If this matter is not resolved within 15 days of receipt of this letter, I will proceed with filing complaints and initiating legal action without further notice. 
Govern yourself accordingly. 
Sincerely

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: 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: RI

Complaint narrative:
these are the fraud accounts found recently XXXX XXXX XXXX XXXX RHODE ISLAND XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$27000.00} XXXX, XXXX ( XXXX ) XXXX XXXX  XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$2600.00} 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TN

Complaint narrative:
I have received numerous phone calls from the company asking when I was paying. I do not and did not have accounts with the company they purchased the information from. So, Im not paying anything. I asked on multiple occasion for the information confirming the account and proving it is mine to be sent for review. Yet, I have still to this day not received the first piece of mail from this company. Nothing! Not even notifying me they now have an account in my name. NOTING... 

They refuse to provide accurate or any information. I have disputed the account multiple, multiple times on every bureau that it is listed and they refuse to remove it. I do not know what else to do. This company is keeping me from purchasing a home or vehicle etc... I desperately need help with having this removed. I am a XXXX XXXX XXXX  and do not have the energy or time to continue these fights. My only dream left is to own one home of my own. This is stopping me from doing that. Please help me!

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Avant , LLC for unlawful credit reporting and account mismanagement. 

After my XXXX  XXXX bankruptcy was discharged, Avant offered me a new {$1000.00} credit card in XX/XX/scrub> 2025. I used the card and set up autopay. Despite this, Avant systematically cancelled every single payment attempt ( autopay and manual ). Their own payment history shows all transactions as Cancelled.

Even though Avant blocked my payments, they reported me late to the credit bureaus and assessed fees. When I called, representatives told me my account was flagged as bankruptcy. If the account was bankruptcy-flagged, Avant should not have issued the card. If it was validly issued, then reporting me late while refusing payment is inaccurate and unlawful.

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: ALCAR INC.
State: MN

Complaint narrative:
In XX/XX/year>, I made my regular monthly payment on my XXXX ( DR Bank ) loan. I used their online portal and my XXXX XXXX  account, which was verified through XXXX. The payment was returned with an ACH code XXXX Invalid Account. My bank confirmed no debit authorization was ever received, meaning the issue came from XXXX  system, not from my bank account. 

I attempted again to make a payment through the same verified account. That payment was also returned with the same invalid account error, even though the account is active and I have successfully used it for years to pay another XXXX loan without issue. 

Despite my timely payment attempts, XXXX reported my loan as delinquent ( 60+ days late ) to the credit bureaus. They also sent my account to a collection agency. I contacted them by email and gave them 10 business days to correct the inaccurate reporting. They responded by saying the late reporting was accurate, even though I have screenshots from their own payment dashboard showing that my payment was made on time. It later changed from " Paid on Time '' to " 69  days late '' for the XXXX payment and " 38 days late '' for the XXXX payment, which is incorrect. 

I have now disputed the inaccurate late payment entries with XXXX XXXX, and XXXX. XXXX  refusal to correct the false delinquency is damaging my credit record even though I acted in good faith and attempted to pay on time.

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: IL

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Issue : Credit reporting companys investigation / Failure to ensure accuracy Complaint Text : I am disputing the XXXX  XXXX trade line on my Experian credit report. Experian reports this account ( Acct # XXXX ) as Closed with a past-due amount of {$44.00} and one late payment. 

However, on XXXX, the very same account is reported as Charged Off with a full past-due balance of {$2100.00}. These contradictions arise from the same furnisher, XXXX XXXX. This inconsistency creates a materially misleading impression of my creditworthiness. 

Under the FCRA 1681e ( b ) and 1681i, Experian is required to maintain reasonable procedures to ensure maximum possible accuracy and to reinvestigate disputed information. Experian failed to reconcile or correct this trade line despite clear contradictions across bureaus. 

I request deletion of this trade line from my Experian report unless XXXX XXXX can provide documentation that reconciles and proves accuracy.

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: Experian Information Solutions Inc.
State: CO

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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