vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report related to an account from XXXX XXXX, reported by TransUnion. The account is listed as a closed account with a {$2200.00} balance and is labeled as a charge-off/collection. 

I believe this is inaccurate or unverifiable. The reporting of this account is negatively affecting my credit score, and I have not received proper validation of the debt. I have requested verification and accurate reporting, but the account continues to report as derogatory. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate and verifiable. I do not believe that standard has been met in this case. 


Incorrect dates or re-aging the account to appear more recent A balance you dont owe A status thats not accurate ( e.g., showing charge-off while closed or paid ) That would violate FCRA, which requires only accurate and complete data to be reported. 

FCRA 611 ( a ) Failure to Properly Investigate Disputes You disputed the account with TransUnion, And they failed to investigate within 30 days or did not remove unverifiable information, Then TransUnion may be in violation of their duty to conduct a reasonable reinvestigation.

FCRA 605 ( c ) Illegal Re-Aging of Debt Credit bureaus can not re-age old debts to make them stay on your report longer than 7 years.

If they changed the Date Updated to XXXX  to restart the reporting period on a debt from XXXX  : That is illegal re-aging. 

FDCPA Violations ( if XXXX XXXX is a debt collector ) Under the Fair Debt Collection Practices Act, if XXXX XXXX is a third-party debt collector, they must : Provide written debt validation upon request Cease collection/reporting until they validate the debt Avoid misleading or deceptive reporting If you sent a debt validation request and they kept reporting the account or failed to respond : That may be an FDCPA violation under 809 ( 15 U.S.C. 1692g ).

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 2025-08-06 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: MO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-06 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: NJ

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX SC XXXX INQUIRIES : 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 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have reached the end of XXXX XXXX with this situation. This debt collector has caused my family and I ample amounts of stress and concern. I am being limited to many life milestones and accomplishments with this information being tied to my credit report. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am fully aware of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
a deposit from my employer went missing and no one would give me and answer to where it was it was XXXX dollars that i never received it was XXXX deposits that are no where to be find and im very upset i didnt not get this money i filled a dispute they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
On XX/XX/year> I notice that I was a victim Identity theft. I filed a identity theft report. The original creditor found that I Was Not liable for the debt and erase the debt from ALL OF my credit reports. Some how this collection agency is trying to collect on a debt that is a result of identity theft. I ask this company XXXX XXXX XXXX for a PURCHASE AGREEMENT to validate this debt they claim I owe! This company refused to provide me with a PURCHASE AGREEMENT because it is IMPOSSIBLE for this company to provide me with on because I am a victim of identity theft and this debt is not valid. This collection agency has acted in bad faith. I sent this collection agency XXXX last dispute letter asking them once again for the PURCHASE AGREEMENT so they can validate this debt! However this is impossible because this debt is a result of identity theft as stated on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

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 2025-08-06 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: WI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
This CFPB complaint is being filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Transunion, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information consists of a credit card accounts and loans opened at : XXXXXXXX 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  I did not open, authorize, or initiate these accounts. These accounts are the result of identity theft and fraud and is causing substantial harm to my credit file. I have no association with this account and do not recognize any transactions or activities related to it. I have attached : A copy of my FTC Identity Theft Report A government issued photo ID Proof of address A statement of identity theft Affidavit of identity

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 2025-08-06 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: MA

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX ( Account ending in XXXX ) on my Equifax credit report, showing a charged-off auto loan with a {$9300.00} past due balance. This account is reporting numerous inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account must be immediately deleted or I will be forced to escalate this legally. 

Legal Violations and Inaccuracies : I have never received any legally required documentation from XXXX XXXX XXXX, including : Notice of Repossession ( as required under the XXXX Article XXXX ) XXXX Cancellation of Debt Validation of Debt under 15 U.S. Code 1692g ( b ) ( FDCPA ) This account shows inconsistent, inaccurate, and unverifiable data : Conflicting payment dates and statuses from XXXX to XXXX ( e.g., Charge-Off status while also showing payments and " OK '' statuses in the same periods ). 

A {$33000.00} charge-off with only {$2500.00} paid, but still reporting a {$9300.00} past due balancemathematically and legally inconsistent. 

Comments claim " XXXX Disputes XXXX in XXXX '' with no legal method of investigation ever provided, violating 15 U.S. Code 1681i. 

Account status was changed and re-aged in a way that falsely extended derogatory impact. 

Legal Precedents : XXXX XXXX XXXX In XXXX, XXXX paid {$550.00} XXXX in restitution for unfair, deceptive, and abusive servicing and underwriting practices. [ State of Massachusetts et al. XXXX XXXX XXXX XXXX XXXX ] FCRA Violations 15 U.S. Code 1681s-2 requires furnishers to provide accurate information and properly respond to consumer disputes.

FDCPA Violations Failure to validate debt after dispute under 15 U.S. Code 1692g ( b ) is grounds for deletion and statutory damages. 

XXXX XXXX, XXXX Requires proper notice of disposition of collateral. I received no repossession letter or accounting statement before or after charge-off. 

XXXX XXXX XXXX XXXX courts have found XXXX liable for reporting errors and failing to properly respond to disputes. 


XXXX is illegally reporting invalid, unverified, and outdated information in violation of multiple federal laws. 

This is harming my ability to obtain credit, housing, and employment. 

I demand immediate deletion of this account from my credit reports, or I will initiate a civil suit for willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX ( Account ending in XXXX ) on my XXXX  credit report, showing a charged-off auto loan with a {$9300.00} past due balance. This account is reporting numerous inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account must be immediately deleted or I will be forced to escalate this legally. 

Legal Violations and Inaccuracies : I have never received any legally required documentation from XXXX XXXX XXXX, including : Notice of Repossession ( as required under the XXXX Article XXXX ) XXXX Cancellation of Debt Validation of Debt under XXXX XXXX Code XXXX ( b ) ( FDCPA ) This account shows inconsistent, inaccurate, and unverifiable data : Conflicting payment dates and statuses from XXXX to XXXX ( e.g., Charge-Off status while also showing payments and " OK '' statuses in the same periods ). 

A {$33000.00} charge-off with only {$2500.00} paid, but still reporting a {$9300.00} past due balancemathematically and legally inconsistent. 

Comments claim " XXXX Disputes XXXX in XXXX '' with no legal method of investigation ever provided, violating XXXX XXXX XXXX XXXX. 

Account status was changed and re-aged in a way that falsely extended derogatory impact. 

Legal Precedents : XXXX XXXX XXXX In XXXX, XXXX paid {$550.00} XXXX in restitution for unfair, deceptive, and abusive servicing and underwriting practices. [ State of Massachusetts et al. XXXX XXXX XXXX XXXX XXXX ] FCRA Violations 15 U.S. Code 1681s-2 requires furnishers to provide accurate information and properly respond to consumer disputes.

FDCPA Violations Failure to validate debt after dispute under 15 U.S. Code 1692g ( b ) is grounds for deletion and statutory damages. 

XXXX XXXX, XXXX Requires proper notice of disposition of collateral. I received no repossession letter or accounting statement before or after charge-off. 

XXXX XXXX XXXX XXXX courts have found XXXX liable for reporting errors and failing to properly respond to disputes. 


XXXX is illegally reporting invalid, unverified, and outdated information in violation of multiple federal laws. 

This is harming my ability to obtain credit, housing, and employment. 

I demand immediate deletion of this account from my credit reports, or I will initiate a civil suit for willful noncompliance under 15 U.S.C. 1681n.

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 2025-08-06 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: MA

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX XXXX XXXX ( Account ending in XXXX ) on my XXXX  credit report, showing a charged-off auto loan with a {$9300.00} past due balance. This account is reporting numerous inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account must be immediately deleted or I will be forced to escalate this legally. 

Legal Violations and Inaccuracies : I have never received any legally required documentation from XXXX XXXX XXXX, including : Notice of Repossession ( as required under the UCC Article 9 ) 1099-C Cancellation of Debt Validation of Debt under 15 U.S. Code 1692g ( b ) ( FDCPA ) This account shows inconsistent, inaccurate, and unverifiable data : Conflicting payment dates and statuses from XXXX to XXXX ( e.g., Charge-Off status while also showing payments and " OK '' statuses in the same periods ). 

A {$33000.00} charge-off with only {$2500.00} paid, but still reporting a {$9300.00} past due balancemathematically and legally inconsistent. 

Comments claim " Consumer Disputes Reinvestigation in Progress '' with no legal method of investigation ever provided, violating 15 U.S. Code 1681i.

Account status was changed and re-aged in a way that falsely extended derogatory impact. 

Legal Precedents : XXXX XXXX XXXX In XXXX, XXXX paid {$550.00} XXXX in restitution for unfair, deceptive, and abusive servicing and underwriting practices. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] FCRA Violations 15 U.S. Code 1681s-2 requires furnishers to provide accurate information and properly respond to consumer disputes. 
FDCPA Violations Failure to validate debt after dispute under 15 U.S. Code 1692g ( b ) is grounds for deletion and statutory damages.

UCC 9-611, 9-614 Requires proper notice of disposition of collateral. I received no repossession letter or accounting statement before or after charge-off. 

XXXX XXXX XXXX XXXX courts have found XXXX liable for reporting errors and failing to properly respond to disputes. 


XXXX is illegally reporting invalid, unverified, and outdated information in violation of multiple federal laws. 

This is harming my ability to obtain credit, housing, and employment. 

I demand immediate deletion of this account from my credit reports, or I will initiate a civil suit for willful noncompliance under 15 U.S.C. 1681n.

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