vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am writing to file a formal complaint against Genesis Credit Management , LLC. regarding an alleged debt they are attempting to collect on behalf of XXXX XXXX ( {$4700.00} ). I have never had a service account or authorized service with XXXX XXXX, nor have I received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite never receiving any bills, notices, or communication from XXXX XXXX or Genesis Credit Management , LLC regarding this alleged debt, I recently became aware that Genesis Credit Management , LLC has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement with XXXX XXXX, and have not been properly notified or given the opportunity to dispute or verify the debt. This collection activity may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1 ) Attempting to collect a debt that is not owed 2 ) Failing to provide written notice within five days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : 1 ) An immediate investigation into this account. 2 ) A copy of any and all documentation Genesis Credit Management , LLC or XXXX XXXX claims supports the validity of this debt. 3 ) Immediate cessation of all collection activities until this matter is resolved and validated. 4 ) Removal of any negative entries from my credit report related to this account if it has been reported. XXXX ) Written confirmation of the resolution of this matter. Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the immediate permanent deletion of all fraudulent accounts and related inquiries from my credit file that were opened or made without my authorization, in accordance with XXXX XXXX XXXX. This includes : 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 XXXXXXXX : XXXX I am also requesting the removal of all unauthorized credit inquiries connected to these accounts. 

The consumer reporting agency must : Block all fraudulent information within 4 business days of receiving my FTC Identity Theft Report, as required by 15 USC 1681c2.

Cease reporting these accounts and inquiries to any third parties.

Send me written confirmation that these items have been deleted and provide an updated copy of my credit report showing the corrections. 

I am seeking nothing beyond what the law requires : full removal of fraudulent data, confirmation in writing, and restoration of my accurate credit file.

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 2025-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  for the past year has continued to report false information on my credit file from Capital One Auto Finance. The company continues to report false information. XX/XX/year> my contract with this company ended with a {$0.00} balance account was closed. Then in XX/XX/year> Capital One Auto Finance reported a new account number with a balance and a payment made on the account. It's my belief they are falsey reporting this information to further a debt I don't owe an adversely affecting my credit scores. I have submitted proof of the {$0.00} balance as well as requested where the new account came from along with new balance and where the payment came from. Capital One Auto Finance hasn't provided this information to XXXX  and XXXX  refuses to do a thorough investigation of the accuracy of this new account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collections {$160.00} act # XXXX Credit collections {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$280.00} acct # XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a complaint regarding inaccurate information being reported on my credit report by a third-party debt collector. I previously submitted a written dispute directly to the debt collector, clearly outlining that the information they are furnishing is incorrect and requesting its immediate removal from my credit report. 

Despite my demand and clear supporting documentation, the inaccurate information remains. As you are aware, under the Fair Credit Reporting Act ( FCRA ), it is illegal to knowingly report false or inaccurate information to credit reporting agencies. Continuing to report such information is not only unethical, but also a violation of federal law. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate this matter and compel the debt collector to remove the inaccurate item from my credit file. I am enclosing copies of my dispute letter and any relevant documentation for your review. 

This inaccurate reporting is negatively affecting my creditworthiness and causing undue harm. I expect a timely resolution to this matter and appreciate your assistance in enforcing my rights under federal consumer protection laws. 

Sincerely, 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 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I submitted a dispute to XXXX XXXX  regarding inaccurate late payments and negative information being reported on my credit file. On XX/XX/year>, XXXX XXXX sent me a letter refusing to process my dispute, citing insufficient information, claiming it was substantially the same as a dispute previously submitted, and stating they do not perform goodwill or courtesy requests to remove accurately reported negative information. 

I have already provided my personal identification and supporting evidence, including proof of identity and details regarding the late payments I am disputing. Their refusal to investigate violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681i A furnisher must conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. There is no legal exception allowing them to refuse because they believe it is similar to a previous dispute. 

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s2 A furnisher of information may not furnish information they know or have reasonable cause to believe is inaccurate. 

FCRA 611 ( a ) ( 5 ) If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted from my file. 

Their refusal to even process my dispute means they are failing in their legal obligations. They have not provided proof that the information is accurate, nor have they provided documentation of the alleged delinquencies or any account history to substantiate their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A late payment showing on my account is incorrect and should be looked into immediately. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of 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$7700.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/year>, XXXX XX/XX/year> 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
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app account Had notification of atm withdrawal XXXX with XXXX in fees XXXX  XXXX XXXX Provided evidence of being at XXXXXXXX and what was going on at the time was not at a XXXX  XXXX XXXX atm XXXX  as indicated Need money back Asap. and cash app representatives giving me run around. saying possible 45 days but wirh my personal situation caring for my husband etc i dont have much time and it shouldnt be hard to refund as its a know scam etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay./

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Complaint Against Jefferson Capital Systems for Reporting Fraudulent Account Despite Identity Theft Report To Whom It May Concern, I am submitting this formal complaint against Jefferson Capital Systems , LLC for their continued reporting of a fraudulent account on my credit file. I have made multiple attempts to notify them that the account in question is not mine and is the result of identity theft. 

I have submitted my Identity Theft Report, including a police report and supporting documentation, under my rights afforded by the Fair Credit Reporting Act ( FCRA ). My official Identity Theft Report Number is XXXX. 

As outlined in : 15 U.S. CXXXXe XXXX ( Blocking of information resulting from identity theft ) XXXX XXXX XXXX required to cease reporting and block information that has been identified as resulting from identity theft, once proper documentation is provided. 

15 U.S. CXXXXe XXXX ( a ) ( XXXX ) It is unlawful for any data furnisher to continue reporting information they know or have reasonable cause to believe is inaccurate, especially after receiving an identity theft notice. 

Despite my repeated submissions, Jefferson Capital continues to report this fraudulent account, which is damaging my credit, causing financial harm, and creating emotional stress. Their continued reporting is a clear violation of the FCRA and my consumer rights. 

I respectfully request that the CFPB investigate this matter and ensure that Jefferson Capital permanently deletes this fraudulent account from all credit reporting agencies. I also request a record of actions taken against them for failure to comply with federal law. 

Thank you for your attention and support in protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Subject : Formal Complaint Regarding Continued Reporting of Unverifiable Charge-Off Account in Violation of FCRA To Whom It May Concern, This is a formal complaint against TransUnion LLC for its continued reporting of a charge-off account from Bank of XXXX ( account ending in XXXX ) which has already been removed by XXXX due to lack of verification. 

The fact that XXXX CRA has deleted this account while TransUnion continues to report it is clear evidence of non-uniform investigation standards and a failure by TransUnion to verify the accuracy and legitimacy of the data. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA XXXX ( a ) ( XXXX ) ( A ) I submitted a direct dispute to TransUnion under FCRA XXXX ( a ) ( XXXX ) ( A ), requesting a reinvestigation of the Bank XXXX XXXX account. TransUnion responded stating the information was verified, but provided no explanation, evidence, or supporting documentation. 

This fails to meet the standard of a reasonable reinvestigation as required by law. 

XXXX. Failure to Provide Method of Verification FCRA XXXX ( a ) ( XXXX ) Following the verification, I submitted a written Method of Verification request under XXXX ( a ) ( XXXX ), demanding : Contact information for the party who verified the account Details of the reinvestigation procedure Documentation relied upon during the investigation TransUnion failed to respond with any of the required details and instead issued a vague form letter. This violates FCRA XXXX ( a ) ( XXXX ). 

XXXX. Failure to Disclose Full File Contents FCRA XXXX ( a ) ( XXXX ) Under FCRA XXXX ( a ) ( XXXX ), I requested that TransUnion provide : A copy of my complete credit file All documentation used in verifying the Bank XXXX XXXX account A copy of the original signed agreement All billing or payment history submitted by Bank XXXX XXXX TransUnion did not provide any of these documents. If they do not have access to such records, they are not in a position to claim the account is verifiable, nor are they legally justified in continuing to report it. 

XXXX. Reporting Inaccurate and Unverifiable Information FCRA XXXX ( b ), XXXX ( a ) ( XXXX ), XXXX ( b ) By continuing to report this account without proper validation, despite prior disputes and removal by another XXXX, TransUnion is in violation of : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) Duty to delete unverifiable data FCRA XXXX ( b ) Obligation to not continue reporting data without investigation by the furnisher Why is there no payment data for XXXX and XX/XX/year>2024? If you can't delete this inaccurate account, provide the arbitration process.

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