vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : [ XXXX ] Email : [ XXXX ] Date : XX/XX/XXXX Subject : Formal Dispute of XXXX XXXX XXXX AccountAccount Name : XXXX XXXX XXXXReport Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy and compliance of the XXXX XXXX XXXX tradeline currently appearing on my credit report dated XX/XX/XXXX. 

I am requesting a full reinvestigation and validation of this account under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit Reporting Guidelines.I have reason to believe the account is either : - Inaccurately reported- Incomplete in structure or data- Not in compliance with XXXX XXXX reporting formatPursuant to : - FCRA 1681i ( a ) : Reinvestigation of disputed information within 30 days- FCRA 1681s-2 ( b ) : Furnishers must investigate and correct inaccurate information- FCRA 1681e ( b ) : Maximum possible accuracy- Metro 2 Format : Full compliance required for tradeline dataIf XXXX XXXX XXXX can not verify this information using original source documentation, the account must be removed immediately.If not corrected or removed within 30 days, continued reporting constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o and may also violate FDCPA 807 if the reporting is misleading or false.

Requested Actions:1. Reinvestigate the XXXX XXXX XXXX account2. Delete the account if unverifiable3. Provide : - XXXX XXXX data fields ( status codes, ECOA code, etc. ) - Method of verification - Contact information for the furnisherEnclosed are my government-issued ID, proof of address, and a copy of the credit report showing the disputed item.Please respond in writing within 30 days. 

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 explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : [ XXXX ] Email : [ XXXX ] Date : XX/XX/XXXX Subject : Formal Dispute of XXXX XXXX XXXX AccountAccount Name : XXXX XXXX XXXXReport Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy and compliance of the XXXX XXXX XXXX tradeline currently appearing on my credit report dated XX/XX/XXXX. 

I am requesting a full reinvestigation and validation of this account under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit Reporting Guidelines.I have reason to believe the account is either : - Inaccurately reported- Incomplete in structure or data- Not in compliance with XXXX XXXX reporting formatPursuant to : - FCRA 1681i ( a ) : Reinvestigation of disputed information within 30 days- FCRA 1681s-2 ( b ) : Furnishers must investigate and correct inaccurate information- FCRA 1681e ( b ) : Maximum possible accuracy- Metro 2 Format : Full compliance required for tradeline dataIf XXXX XXXX XXXX can not verify this information using original source documentation, the account must be removed immediately.If not corrected or removed within 30 days, continued reporting constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o and may also violate FDCPA 807 if the reporting is misleading or false.

Requested Actions:1. Reinvestigate the XXXX XXXX XXXX account2. Delete the account if unverifiable3. Provide : - XXXX XXXX data fields ( status codes, ECOA code, etc. ) - Method of verification - Contact information for the furnisherEnclosed are my government-issued ID, proof of address, and a copy of the credit report showing the disputed item.Please respond in writing within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
While routinely reviewing my credit report, I came across some unexpected errors. I attempted to refresh the browser, assuming it might be a temporary glitch, but the inaccurate entries persisted. Because of this, I kindly ask that the documents I sent be reviewed in detail to ensure this issue is properly resolved.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally submit a complaint against Bank of America regarding the unauthorized furnishing of my personal information. I believe that my rights have been violated, and I would like your assistance in addressing this matter. Since this matter I decided to end the banking relationship with Bank of America. 

Name : Bank of America Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I discovered that Bank of America had furnished my personal information opening a personal loan using my personal bank account without my consent. I have not authorized any such disclosure, and I was not informed of the action beforehand. 

This unauthorized sharing of my personal information is clear violation of my privacy rights, and I a concerned about the potential impact it may have on my financial reputation and security. I request that CFPB investigate this matter and take appropriate action against Bank of America.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-07-24 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: LA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remining showing on my report : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX * * * Balance Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I

am writing to formally dispute and request deletion of several items on my Experian credit report as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which guarantees consumers the right to accurate and fully verified credit reporting. The following accounts are reporting inaccurate or incomplete information that I request be investigated and deleted : XXXX. XXXX XXXX XXXX XXXX - This account is reporting a charge-off with a balance due despite being closed.

- It was previously disputed, yet no documentation of validation has been provided.

- Per FCRA 611, I request full documentation ( original agreement, payment records, charge-off proof ).

- If this can not be verified within 30 days, please remove it entirely per FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX ( All 3 Accounts ) - These accounts show " paid in settlement, '' yet continue reporting derogatory remarks.

- Under FCRA 607 ( b ), credit furnishers must maintain maximum accuracy.

- If these accounts were paid in good faith, derogatory reporting should cease.

- Please reinvestigate and delete if errors or incomplete data are found. 


XXXX. XXXX - Account shows " paid in full for less than full balance '' but continues to reflect negatively.

- This was previously disputed. Per FCRA 623, furnishers can not report inaccurate info knowingly.

- I request Experian demand validation or remove the item. 

XXXX. XXXX XXXX XXXX XXXX Reporting 3 late payments on an account closed in XXXX. 
- These late payments are over 24 months old and harm my credit despite timely closure.

- If not verifiable or relevant per FCRA 605 ( a ), please remove them or reclassify as positive history.

Unverified Hard Inquiries Per FCRA 604, no hard inquiry may appear on a credit report without consumer permission or legitimate business purpose.

The following inquiries appear without any open/associated account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Please remove these unauthorized or unverified inquiries from my credit file.

LEGAL BASIS : FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation of disputed information within 30 days.

FCRA 604 ( 15 U.S.C. 1681b ) : Requires inquiries to have permissible purpose.

FCRA 623 : Furnishers must not report false or misleading information.

FCRA 607 ( b ) : Requires credit bureaus to ensure maximum possible 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 2025-07-24 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legal requirement of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial health and personal well-being. 

This situation is unacceptable and places an undue burden on me during an already challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that does not meet the legal standard of maximum possible accuracy. These errors are causing ongoing and serious harm to my financial standing and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 XXXXXX/XX/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 2025-07-24 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: GA

Complaint narrative:
Your company is reporting inaccurate, obsolete, erroneous, and misleading items on my credit report that have caused me much stress, mental anguish, and economic harm. 
This has caused injury to me as I am unable to obtain credit solely because of the failures you have caused because you have not followed proper procedures to make sure that everything on my consumer report is accurate.

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 2025-07-24 00:00:00
Product: Debt collection — Rental debt
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: FL

Complaint narrative:
I formally requested validation of the alleged debt, including an itemized breakdown of charges, payments, and a clear explanation of how the balance was calculated. In response, the company provided only a one-line summary lacking sufficient detail a deceptive and inadequate attempt at validation. Despite this, they have continued aggressive collection efforts. Under the Fair Debt Collection Practices Act ( FDCPA ), the debt remains unsubstantiated and should not be collected or reported. I am requesting immediate cessation of all collection activity and credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/year>, both entities reported derogatory tradelines on my credit reports, indicating the following : XXXX XXXX XXXX : Charged-off account in the amount of {$36000.00} Progress Residential : Charged-off account in the amount of {$10000.00} I assert that these entries are in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681 ( a ) ( 4 ) states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b ( a ) ( 2 ) further states that a consumer reporting agency may not furnish a consumer report to any person without the consumers written authorization, unless an explicit exception applies To date, I have not provided written authorization for either XXXX XXXX XXXX or XXXX XXXX to furnish or report this information to any third party. Therefore, I believe these companies have violated the law by supplying my private credit data to the reporting agencies without proper legal basis or my consent. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter, and if the violations are substantiated, to enforce the removal of these derogatory entries from all consumer reporting agencies and take any appropriate regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
What happened was that these inaccurate accounts, unauthorized inquiries, and incorrect personal informations are still on my credit report even though I have already submitted a dispute with the credit bureaus before. I am requesting for a thorough investigation on these items as this is deeply concerning and they have been affecting my credit worthiness. I have also attached some supporting documents.The inaccurate accounts would be from 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 The incorrect personal information would be the employers and previous addresses listed 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 2025-07-24 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: VA

Complaint narrative:
What happened was that these inaccurate accounts, unauthorized inquiries, and incorrect personal informations are still on my credit report even though I have already submitted a dispute with the credit bureaus before. I am requesting for a thorough investigation on these items as this is deeply concerning and they have been affecting my credit worthiness. I have also attached some supporting documents.The inaccurate accounts would be from 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 The incorrect personal information would be the employers and previous addresses listed 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 non-monetary relief
Consumer complaint received 2025-07-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and it was XXXX on XX/XX/XXXX. Several accounts and associated inquiries were included in this bankruptcy and should no longer be negatively affecting my credit report. 

I submitted a dispute to TransUnion requesting the correction or removal of hard inquiries and account information that were legally discharged. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others. 

Despite this, TransUnion continues to report these inquiries and some associated negative information. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting agencies to ensure the accuracy and completeness of the data they maintain. 

I have attached a copy of my bankruptcy discharge as proof. I respectfully request that the CFPB assist in having TransUnion : XXXX. Remove any inquiries tied to accounts included in bankruptcy. 
XXXX. Correct the reporting of accounts discharged to reflect {$0.00} balances, closed status, and included in bankruptcy.

3. Send me an updated and corrected copy of my credit report.

TransUnion has failed to act upon my initial dispute and I believe regulatory action is necessary.

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 2025-07-24 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:
This is my second filing a formal complaint regarding the unauthorized accounts being reported on my credit file. I previously contacted your office on XX/XX/XXXX to dispute the following items, and I have not received adequate validation or proof of permissible purpose under federal law.

Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer reporting agency may not furnish a consumer report to any person without a permissible purpose as defined by the statute. Any access to my credit file without such a purpose is a violation of federal law, and any account or inquiry furnished to you without my authorization or consent must be immediately removed. 
The items in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$30000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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