vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX INSURANCE Balance {$170.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX BANK XXXX Date XX/XX/XXXX CAP XXXX VIA DEALER Date XX/XX/XXXX XXXX XXXX  XXXX LL Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: OK

Complaint narrative:
I am writing to file a complaint regarding an issue with Equifax. I have noticed that a collection account is being reported on my XXXX  and XXXX XXXX credit reports, but I am unable to dispute this account on Equifax. 

Details of the Issue : Collection Account : The collection account in question appears on my XXXX and XXXX XXXX reports. 
Dispute Attempts : Despite multiple attempts to dispute this account on Equifax, I have been unable to do so. The account does not appear on my Equifax report, preventing me from initiating a dispute. 
Impact : This discrepancy is affecting my credit score and overall creditworthiness. 

I Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
There is a collection on my report that doesnt belong to me as well as late payments from 2019 where I was not late at all.

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 2025-04-23 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:
After carefully reviewing the information tied to this account, Ive noticed several discrepancies that raise concerns. Some of the data does not appear to be mine, and there are entries that I dont recognize or recall authorizing. This includes inconsistencies in personal details, activity records that dont align with my usage, and other anomalies that suggest the account may contain mixed or inaccurate data. Given the nature and volume of these issues, I no longer have confidence that the data on file accurately reflects my information alone.

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 2025-04-23 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: NC

Complaint narrative:
Subject : Rebuttal Regarding Dispute and Request for Clarification To Whom It May Concern, I am writing in response to your recent correspondence indicating that further clarification is needed to process my dispute, despite the fact that I submitted a formal dispute through the TransUnion portal on XX/XX/XXXX, clearly identifying the specific account in question and requesting full debt validation in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your response fails to acknowledge that : 1. I already identified the account, provided the reason for the dispute, and requested validation under federal law. 
2. When I followed up on XX/XX/XXXX, your representative informed me that I would need an attorney to subpoena information to obtain validationthis is incorrect and a direct violation of my rights under 15 U.S.C. 1692g of the FDCPA.

3. The XXXX dispute has mysteriously disappeared from your online portal, and only my XX/XX/XXXX dispute remains visible. This appears to be a convenient error and raises serious concerns about record tampering and FCRA violations.

I now reiterate my request that you : Provide full and proper debt validation for the disputed account, as required under the law.

Remove the account from my credit report if validation can not be provided.

Investigate and explain the removal of my XX/XX/XXXX dispute record from your system, as this obstructs my right to track and review prior disputes.

Your obligations under the FCRA ( 15 U.S.C. 1681i ) and FDCPA ( 15 U.S.C. 1692g ) are clear : if a debt can not be verified, it must be removed from the consumers credit file. Shifting the burden onto me by requesting clarification after already providing detailed information is both improper and noncompliant.

Please treat this communication as a formal rebuttal and continuation of my dispute. I expect an immediate and transparent response. 

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Carvana Group, LLC
State: WA

Complaint narrative:
XXXX took {$1600.00} out of my account, after I cancelled the car I was interested in. 
I was told it takes 10-15 days and Ive called 3 times. 

Today I was told there was a problem issuing it back to my account. 

It didnt automatically process back to my account. 

Now I have yo wait additional time, and I dont have confidence it will happen smoothly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my 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 explanation
Consumer complaint received 2025-04-23 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 am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am following up regarding my previously submitted dispute concerning inaccurate, unverifiable, and now additionally unrecognizable collection accounts listed on my credit report. 

Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian- 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 2025-04-23 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: OH

Complaint narrative:
I am following up regarding my previously submitted dispute concerning inaccurate, unverifiable, and now additionally unrecognizable collection accounts listed on my credit report. 

Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian- 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX TransUnion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-23 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:
This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is requesting statements from my current bank in order for them to provide a checking account, I have provided the statements however they say I can not block the amounts included in those statements, which I find invasion of consumer privacy with this authoritarian request from American Express. They said its to avoid money laundry which obviously if it is already in a bank that covers for American Express doubt in that matter.

They have never ask me where the amount comes in or ask me what amounts.

I will open the account with a minimum of {$50.00} and then will have direct deposits from my income. Has nothing to do with my bank account in a different bank.

Also my points were supposed to be reimburse and it has not happened.

This maybe a discrimination practice and it needs to be investigated.

Spoke to XXXX rep and manager XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am receiving numerous calls from phone numbers that appear to be associated with Midland Credit Management. I keep blocking the numbers used, but continue to receive calls from different numbers that are associated with Midland Credit Management when I search the numbers on the internet. Calls show up on my phone as being from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX Calls started on XX/XX/year>, with the most recent call received today, XX/XX/year>. No voicemail messages are being left. I normally don't pick up a call from a number I don't recognize or have in my contacts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-04-23 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX, I am the Successor in Interest of a certain loan my deceased father had/ has with Fifth Third Bank. I am also the Executor of my father 's estate. I requested on XX/XX/XXXX that I need to get a COMPLETE copy of the Mortgage Loan History Statement. I was told that it would be mailed in several days. XXXX weeks later I called again and was told it would be mailed no later than XX/XX/XXXXXXXX I called XX/XX/XXXX and was told it was mailed on time and that the bank would forward me another copy. At that time I also asked for a more thorough breakdown of the Payoff Statement the Bank sent me. I was told they " would see what they can do ''. This is Unacceptable. 

I also stated that as Executor I has gone through many of my fathers 's bank papers and found where he always paid homeowners without exception however the bank sent him a notice in XX/XX/XXXX that they paid {$4900.00} towards his homeowners yet XXXX XXXX  Insurance told me they did in fact receive a check from the bank however they sent it back as it was already paid - I have a copy. Also I find that my father paid XXXX property tax bills which do not show up on any forms from bank as a credit towards the Payoff StatemenXXXX. 

I also requested all of the Annual Escrow Statements and was told in XXXX they would be forthcoming - nothing in the mail as of yet. I do have 2 annual Statements which show an overage {$61000.00} in XXXX and an overage of {$69000.00} in XXXX. I was told these were " projections '' but the answer is not satisfactory as I have spoken with at least 5 bankers who run escrow departments at other banks and they say at best this is unusual. 

I have XXXX siblings that I answer to in regards to my fathers estate and it appears we can get no answers other than " you father owes the Banks a great amount in arrears '' Without the proper documentation from the bank we can not begin to make and offer and settle this matter amicably. 

Loan Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings
State: GA

Complaint narrative:
On XX/XX/XXXX a collector named XXXX XXXX from IQ Data called and left messages regarding a debt I owed on my sisters and uncles cell phones. He called them both several times and ominously old them that that he was " looking for me '' to collect a debt. He also left messages on their phones.

I called to inquire about how he obtained my personal relatives information - neither person he contacted were listed as references on my rental application - plus I told him that I have not received any mail on the matter. He began to berate me and use abuse language - threatened that he would prevent me from getting housing and a job in the future - and told me that I need to borrow the money or sell my car ASAP to " get his clients their money '' and that " my unemployment and lack of funds is not his problem '' and that " I need to pay my bills/debt ''. I was laid off in XX/XX/XXXX and am still unemployed and my unemployment checks have now ceased. I reminded him that his abusive language and tactics are against the law and he will invalidate that debt if he continued the behavior and he said that he does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
. CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal XXXX XXXX XXXX XXXX XXXX Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ]XXXX XXXX XXXX, and TransUnion for continued reporting and collection oXXXX XXXX XXXX  debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report XXXX XXXX  that are now unverified and legally questionable due to the dissolution of the Department of Education. 
2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
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 2025-04-23 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: NJ

Complaint narrative:
. CFPB Complaint Against Loan Servicer & Credit Bureaus Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the XXXX order to abolish the XXXX Department of Education. 

Complaint Details : XXXX. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 
XXXX. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 
XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( XXXX XXXX. XXXX ) and FDCPA ( XXXX XXXX. XXXX ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief