vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: LA

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agenciesExperian, TransUnion, and Equifaxfor willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite multiple disputes filed regarding inaccurate and unverifiable information on my credit report, all three bureaus have continued to list several accounts as verified without providing any proof of investigation, method of verification, or supporting documentation ( such as billing receipts or account ownership evidence ). 

The following accounts are inaccurately reported with the status of bankruptcy, which is misleading, damaging to my creditworthiness, and unsubstantiated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue to appear on my Experian, TransUnion, and Equifax credit reports under derogatory or bankruptcy-related statuses, even though I have not received any verifiable information or supporting documentation from the credit bureaus or furnishers proving their legitimacy.

Under 15 U.S.C. 1681i of the FCRA, the credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of any item on their credit report. Furthermore, 1681e ( b ) mandates that only accurate and verifiable information be reported. Their failure to remove these accounts and provide proper validation is a direct violation of these statutes.

Additionally, by continuing to furnish unverifiable and inaccurate information, the credit reporting agencies and data furnishers are in violation of provisions under the FDCPA, particularly as it relates to false representation of a debt, and failure to cease collection/reporting activity after a dispute under 15 U.S.C. 1692e and 1692g.

Relief Sought : Immediate deletion of all the above-referenced accounts from my credit reports across all three bureaus ( Experian, TransUnion, and Equifax ) .

A detailed explanation and documented proof of the investigation process used for each disputed item.

Compensation for damages and emotional distress caused by false reporting and failure to comply with federal law.

An assurance that the agencies will implement better compliance practices to ensure adherence to the FCRA and FDCPA.

Please consider this a formal complaint and an urgent request for investigation. I would appreciate your swift action in holding these agencies accountable and ensuring my rights as a consumer are protected under federal law. 

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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX RE : FORMAL DISPUTE OF COLLECTION ACCOUNT Account XXXX XXXXXXXX NOTICE TO CEASE COLLECTION AND DEMAND FOR FULL VALIDATION UNDER FEDERAL LAW To Whom It May Concern : This letter is a formal dispute and demand for full validation of the alleged collection account you are reporting on my credit profile : RECMGMT SRVC Account XXXX XXXXXXXX I do not acknowledge this debt and do not recognize any contractual obligation to pay it. Under 15 USC 1692g ( b ) of the Fair Debt Collection Practices Act, I am asserting my right to demand full validation. Until such validation is provided, you must cease all collection activity and stop furnishing this information to any consumer reporting agencies. 

REQUIRED VALIDATION DOCUMENTS : The original signed agreement between me and the original creditor. 
A complete and itemized breakdown of the balance you allege is owed.

Documentation of the chain of title or assignment from the original creditor to RECMGMT SRVC. 
A sworn affidavit from the original creditor attesting to the accuracy and validity of the debt. 
A copy of the original assignment contract with specific reference to my name and account number. 
Proof that this alleged debt is not past the statute of limitations in the XXXXXXXX XXXX XXXX 
You are already in violation of federal consumer protection laws by reporting unverifiable and potentially inaccurate information. The following laws are being cited : 15 USC 1681s-2 Reporting inaccurate or incomplete information to credit reporting agencies 15 USC 1692e and 1692f Use of false, deceptive, and unfair collection practices 15 USC 1666 ( b ) / 12 CFR 1026.13 Failure to investigate billing disputes UCC 3-501 Failure to provide presentment of the original debt instrument TAKE NOTICE : Do not attempt to verify or update this account with credit bureaus using automated systems like E-Oscar without supplying full documentation. 
If you can not validate this account within 30 days, I will file formal complaints with the CFPB, FTC, and the XXXX  Attorney General, and may initiate civil proceedings for damages under the FCRA and FDCPA.

Under 15 USC 1681i ( a ) ( 5 ) ( B ), if this account is ever reinserted into my credit file after deletion, you must certify it with documentation, or face legal liability. 
Until such time that you comply with the above, you are legally prohibited from continuing any collection activities regarding this account. 

GOVERN YOURSELVES ACCORDINGLY. 

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 2025-06-08 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: OK

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Account Comenity Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified mail " with receipt displaying my XXXX XXXX signature. Requesting original legal purchase agreement/ Debt Verification as mandated by the FDCPA. Request for you to provide competent evidence of my contractual obligations to provide payment to account XXXX XXXX XXXX XXXX XXXX XXXX  If not please delete account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or legal action will take place.

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

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Equifax XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$1800.00} Account number XXXX Opened/closed Opened Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$700.00} Account number XXXX Opened/closed Opened Date opened XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This is not my account I have no knowledge of this account this is identity theft someone use my information 15USC 1681c2

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Date : XX/XX/XXXX To : XXXX Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Request for Immediate Investigation Account Name : XXXX XXXX XXXX Account Number : XXXX Dear Experian and Equifax, I am formally disputing inaccurate and inconsistent reporting on my credit file concerning the above-mentioned account. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which grants me the right to dispute any information I believe to be inaccurate or incomplete. 

Disputed Inconsistencies EQUIFAX 1. Term Source Listed as blank for Equifax & Experian, violating FCRAs completeness requirements.

2. Most Recent Adverse Rating Equifax Reports No data available, while Experian reports Collection/Charge-Off.

3. Payment History Not available, despite derogatory status being reported.

4. Status Equifax Shows Refinanced, while Experian reports Charge off, a significant discrepancy. 

These inconsistencies are harmful, misleading, and fail to meet the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). If you can not verify this information with accurate and complete documentation, it must be corrected or removed.

Request for Action Conduct a reinvestigation under 15 U.S.C. 1681i ( a ).

Remove or correct any inaccurate, incomplete, or unverifiable information.

If the account is verified as accurate, I formally request the Method of Verification ( M.O.V. ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Legal Grounds FCRA 1681e ( b ) : You must maintain procedures to ensure the maximum possible accuracy.

FCRA 1681i ( a ) : You must investigate and delete or correct inaccurate or unverifiable data.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Consumers have the right to request the method of verification if an account is verified. 

Supporting Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond the furnisher if inconsistencies exist. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inconsistent data can be deemed inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Misleading data, even if technically correct, can violate the FCRA. 

Please complete the investigation and send a written response within 30 days as required by law. Thank you for your prompt attention. 

Enclosed A copy of my state Id for identification verification A copy of my bank statement for proof of address Highlighted copy of my credit report for proof of inconsistencies Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Im submitting this complaint against Chase regarding a fraudulent charge of over {$25000.00} on my credit card made on XX/XX/year> that I attempted to dispute/fraud in XXXX of XXXX  and originally they worked with me, but was ulitmitaly told it was to late and they reversed the dispute in XXXX. I told them it wasnt a dispute it was pure fraud. 

The delay in reporting the charge occurred because I was dealing with serious personal medical emergencies that took up all of my attention during the time the charge was posted. Once I recovered and reviewed my statements, I immediately contacted Chase to dispute the transaction. I escalated the issue through customer service and multiple upper departments, but was told no exception could be made based on timing. 

I have explained the nature of my situation and asked Chase, at the very least, to work with me on a reasonable repayment plan or hardship arrangement, but they have refused so far. I can not afford to pay this entire fraudulent balance at once. 

I am requesting the CFPB to help by encouraging Chase to : Reopen the fraud dispute based on medical hardship and reasonable cause for delay, OR Work with me on a structured repayment plan with no added fees or interest, OR Offer a settlement or hardship resolution I can manage in good faith.

Im trying to do the right thing and not walk away from this. I just need help resolving this matter fairly and compassionately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This company continues to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached revocation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: AZ

Complaint narrative:
Account XXXX XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Account National Credit Systems # XXXXXXXX XXXX XXXX  I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified mail " with receipt displaying my XXXX XXXX signature. Requesting original legal purchase agreement/ Debt Verification as mandated by the FDCPA. Request for you to provide competent evidence of my contractual obligations to provide payment to account # XXXXXXXX XXXX XXXX If not please delete account # XXXX XXXX XXXX as soon as possible from my report or legal action will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: DriveTime
State: LA

Complaint narrative:
Dear [ Credit Bureau or CFPB ], I am writing to dispute a hard inquiry listed on my credit report. I did not authorize this inquiry, nor did I apply for credit with 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  According to the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be listed on a consumers credit report if authorized by the consumer.

I respectfully request that you investigate this matter and remove the unauthorized inquiry from my credit report.

Attached are copies of my identification and any supporting documents. 

Please notify me in writing of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX La XXXX [ XXXX ] [ XXXX ] [ ( XXXX ) XXXX

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

Complaint narrative:
I am formally disputing the continued reporting of an account listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian credit report. 

This account is factually inaccurate and improperly validated. Specifically : 1. Chronological inconsistency : Experian reports collections from XX/XX/XXXX to XX/XX/XXXX, which is logically and factually impossible. 
XXXX. Lack of validation : I have received no legitimate evidence verifying the ownership, assignment, or legitimacy of the debt. 
XXXX. Inconsistent bureau reporting : The same account was recently deleted by TransUnion following my complaint to the CFPB ( Complaint # XXXX ). Their investigation concluded on XX/XX/XXXX, and confirmed that XXXX XXXX was removed due to insufficient verification. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Investigate and verify the accuracy of this entry within 30 days. 
- Delete or correct the entry if it can not be verified.

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 2025-06-08 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: GA

Complaint narrative:
Unauthorized accounts on my credit report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I am XXXX XXXX XXXX, residing in Louisiana. I am requesting that my account be reviewed under Louisiana XXXX member Civil Relief Act law. I request that my interest rated be lowered to 6 % as per the statute. Along with that I am seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 6 % interest rate outlined in Louisiana SCRA laws. I have attached a copy of my military orders, along with my residential lease as proof of residency in the state of Louisiana.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company Jefferson Capital Systems LLC. Never sent me information about an account they say I own or owed. I have no knowledge about about this company. I would like this to be resolved and removed from my report and records.

Company response to consumer: Closed with explanation