vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX ca XXXX XX/XX/year> Columbia debt recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Request for Debt Validation Account No. 
XXXX To whom it may concern This letter is a formal request for validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Under this statute, you are required to provide the following : 1. The name and address of the original creditor.

2. The original account number.

3. A copy of the signed contract or agreement bearing my signature showing I have a legal obligation to pay.

4. An itemized accounting of the alleged debt, including principal, interest, fees, and any other charges.

5. Documentation proving your agency is licensed and authorized to collect debts in my state.

Until you provide full validation, you must cease all collection activities, including reporting to the credit reporting agencies.

Please be aware that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or unverifiable information. Furthermore, under FCRA, 15 U.S.C. 1681s-2 ( b ), furnishers of information to credit bureaus are required to ensure that all information reported is accurate and can be fully verified. If you can not validate this debt, you must immediately request deletion of this account from XXXX XXXX XXXX XXXX.

This is not a refusal to pay but a request for validation. Be advised that I am keeping detailed records of all correspondence. Failure to comply may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-09-08 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX Reported : XXXX. XXXX, 2025 {$290.00} XXXX XXXX Reported : XXXX XXXX, 2025 {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: DHI Mortgage Company
State: TX

Complaint narrative:
I am filing this complaint against DHI Mortgage ( DHIM ) for mishandling my household income documentation, providing inconsistent guidance, and causing financial harm during the mortgage application process for our FHA loan. 
I submitted all required documentation of my husbands XXXX XXXX XXXX  ( XXXX ) income in accordance with FHA guidelines. 
DHIM initially indicated that XXXX income could be considered if properly documented. I provided the documentation promptly. 
Despite this, DHIM excluded XXXX income from our qualifying income during loan evaluation. 
As a result, we were forced to pay off substantial debt to qualify for DHIM loan incentives, which would likely not have been necessary if XXXX income had been properly considered. 
In XXXX official response letter to my XXXX complaint, they later stated they would use partial XXXX income with proper documentation, even though I had already provided all necessary documentation. 
DHIM also states that as of XX/XX/year>, it stopped allowing XXXX income on FHA loans based on an alleged audit or communication with HUD. Our loan application was submitted in XX/XX/year>, XXXX months after DHIM states it implemented a policy prohibiting the use of XXXX income on FHA loans. This is negligence on behalf of the loan originator. There was no mention of an internal policy prohibiting XXXX income at any point during the early stages of the loan.I relied on this professional guidance in good faith, assuming that all submitted income sources were acceptable under both FHA and DHIM criteria. 
Our mortgage has since closed without XXXX  income being factored, resulting in financial harm due to unnecessary debt repayment and lost incentives. In order to qualify and receive builder incentives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I am writing regarding multiple unauthorized transactions on my PayPal account and the failure of PayPal to comply with its obligations under Regulation E ( 12 CFR Part 1005 ). 

Issues : 1. Closed Disputes Without Proper Investigation PayPal closed my disputes ( examples : Case IDs XXXX, XXXX, XXXX ) claiming the transactions were authorized. However, no proof or evidence has been provided to me showing how PayPal determined these were authorized.

2. Failure to Investigate as a Whole Pattern From the beginning, I asked that the fraudulent transactions be treated as part of a larger pattern. Instead, PayPal forced me to dispute each transaction individually and only reviewed the ones I manually submitted. This approach ignored numerous related fraudulent transactions. 
3. Denial of Appeal or Further Dispute Once PayPal closed each case, I was given no way to dispute or appeal the decision. This violates the intent of Regulation E, which requires a good-faith investigation and resolution process.

4. Blocking of New Disputes I have since noticed additional suspicious and fraudulent transactions that I did not initially dispute. However, PayPal now only gives me the option to contact the seller, removing my ability to report these as unauthorized transactions to PayPal at all. This effectively strips me of my consumer rights to dispute unauthorized charges.

5. Contradictory Actions Despite claiming the transactions were authorized, PayPal reissued my debit card. Reissuing a card is a recognition that fraudulent or unauthorized use occurred. It is contradictory and unfair to reissue the card while denying me any remedy on the underlying transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments and delinquent status on certain accounts. According to my recordsand the terms we agreed uponthese accounts were not late. I request that these entries be corrected to Paid as Agreed and that all delinquency notations be removed.

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 2025-09-08 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: AL

Complaint narrative:
I am formally disputing the inaccurate reporting of late payments and delinquent status on certain accounts. According to my recordsand the terms we agreed uponthese accounts were not late. I request that these entries be corrected to Paid as Agreed and that all delinquency notations be removed.

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 2025-09-08 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
I am tired of dealing with this issue. Unauthorized accounts that do not belong to me keep showing up on my credit report. I never opened them, I never agreed to them, and I never received any notice about them. The fact that each bureau reports something different only adds to the mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-09-08 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:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX  XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$820.00} Date opened XX/XX/XXXX XXXX Account number XXXX Balance {$1500.00} Date opened XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am extremely frustrated that the inaccurate late payments are still appearing on my credit report this morning. I refreshed my browser, but they remain, and I do not understand why they have not been removed. This needs to be resolved right away, and I am asking that the documents Ive provided be reviewed thoroughly so I can finally stop worrying about this.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely frustrated that the inaccurate late payments are still appearing on my credit report this morning. I refreshed my browser, but they remain, and I do not understand why they have not been removed. This needs to be resolved right away, and I am asking that the documents Ive provided be reviewed thoroughly so I can finally stop worrying about this.

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 2025-09-08 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX. 
My XXXX account is open and active, and I have made 98 % of payments on time. However, XXXX continues to report a XXXX late payment from 2021, which is outdated and misleading, as the account is current and in good standing. 
At the time of the alleged late payments ( XXXX, XXXX, and XX/XX/2021 ), I was fully enrolled in autopay and had sufficient funds available. XXXX own customer support confirmed that autopay was enabled, but the system failed to process my payments. I never received proper notification via email, SMS, or phone call of a failed transaction. 
According to the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ), creditors must ensure that information furnished to the credit bureaus is accurate and complete. Reporting me as delinquent despite my autopay enrollment and available funds is factually inaccurate and unfairly portrays me as negligent. This is a system failure on XXXX part, not consumer negligence. 
I have disputed this matter directly with XXXX multiple times, but they have refused to correct the reporting, stating that they are required to report late payments even when the issue was caused by their own system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-08 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX XXXX involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They violated my rights as a consumer under XXXX XXXX XXXX. I need these items blocked and removed from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation