vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Columbia Collection Service, Inc.
State: IL

Complaint narrative:
You are in willful noncompliance and if you think what you are doing is so legal take me to court! You are in violation of so many things the main one being you are a XXXX XXXX and BOUGHT an account that has yet to be verified legally as mine ( my signature with them AND you, my ID with them AND you, my social with them AND you, orginal contract, payment history, promissory notes ) something showing me and you had an agreement and that I knew you took over the account such as a 30 day notice you were legally supposed to send BEFORE posting to my credit report nothing was forwardedfrom the old address. All you sent was a pdf that a XXXX XXXX XXXX could make with a fake.itimized Line of cost I " owe '' but we both know legally once you take my account and pay you satisfied my debt!!! This is common k owledge you guys have got in trouble about it and you are costing me getting a car and going to work and if I take you to court it'll be WAYYY more than what you are begging me for. If what im saying is wrong sue me and prove it immediately so I can do what I need to.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
You are in willful noncompliance and if you think what you are doing is so legal take me to court! You are in violation of so many things the main one being you are a XXXX XXXX and BOUGHT an account that has yet to be verified legally as mine ( my signature with them AND you, my ID with them AND you, my social with them AND you, orginal contract, payment history, promissory notes ) something showing me and you had an agreement and that I knew you took over the account such as a 30 day notice you were legally supposed to send BEFORE posting to my credit report nothing was XXXX the old address. All you sent was a pdf that a XXXX XXXX XXXX could make with a fake.itimized Line of cost I " owe '' but we both know legally once you take my account and pay you satisfied my debt!!! This is common k owledge you guys have got in trouble about it and you are costing me getting a car and going to work and if I take you to court it'll be XXXX more than what you are begging me for. If what im saying is wrong sue me and prove it immediately so I can do what I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
XXXX  and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX  inaction violates federal law and my rights 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 2025-08-05 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: LA

Complaint narrative:
XXXX  and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX  inaction violates federal law and my rights 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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: IN

Complaint narrative:
XXXX wrongfully reported a repossession on my credit after the title loan was paid off and the vehicle was sold free of any XXXX. This violates 15 U.S. Code 1681s-2, which prohibits furnishers from reporting inaccurate information. Im requesting immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
XX/XX/year> Portfolio Recovery Associates , LLC Attn : XXXX Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Request for Debt Validation and Cease & Desist Communication To Whom It May Concern, I am formally requesting validation of the alleged debt referenced by account number ending in XXXX, which appears on my credit report as a collection entry by your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I have the right to request full validation and verification of the alleged debt. 

Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The original account number and a full accounting of the alleged debt. 
XXXX. A copy of the original signed agreement or contract that bears my signature and legally binds me to this alleged debt. 
XXXX. Proof that you are legally authorized to collect debt in the state of Wisconsin. 
XXXX. A detailed payment history and explanation of how the amount claimed was calculated. 
XXXX. Documentation showing that this debt is within the Wisconsin statute of limitations for collection. 

I would also like to request that you provide documentation confirming whether this debt is still within the applicable statute of limitations for legal enforcement in the state of Wisconsin Additionally, in accordance with 15 U.S. Code 1692c ( c ), I am requesting that you cease all communication with me regarding this debt, except for providing the requested validation documents. Contacting me again outside of these parameters will be considered a violation of the FDCPA and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Wisconsin Department of Financial Institutions. 

This letter is not to be construed as an acknowledgment of any debt. Please treat this letter as a formal dispute of the validity of the debt. 

I expect a response within 30 days of receipt of this letter. If you are unable to provide the required documentation, I request that you immediately delete this account from all credit reporting agencies to which it has been reported. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I am filing this complaint due to false and harmful credit reporting by American Credit Acceptance ( ACA ). Despite my account being active, current, and not repossessed, ACA is reporting it to Experian as having been repossessed in XX/XX/year> with a {$1500.00} past due balance and a total balance of {$15000.00}. 

In contrast, the actual account is still open. As of XX/XX/year>, I made a {$3800.00} payment, and my next payment of {$440.00} is due XX/XX/year>. The past due amount is {$0.00}, and the principal balance is {$11000.00}, as reflected on ACAs customer portal. 

ACA is falsely representing the status and balance of my account despite having full access to correct data. This has severely damaged my credit score and affected my ability to obtain basic financial support during a prolonged hardship period that they were aware of.

Violations Cited : FCRA 623 ( a ) ( 1 ) ( A ) Reporting inaccurate information knowingly or without verification.

FCRA 623 ( a ) ( 2 ) Failure to correct and update inaccurate information.

FCRA 607 ( b ) Credit reporting agencies must ensure maximum possible accuracy.

FCRA 616 & 617 Civil liability for willful or negligent noncompliance. 
UCC 9-615 ( d ) Failure to apply any repossession sale proceeds ( if applicable ). 
ECOA ( XXXX5 U.S.C. 1691 ) Discriminatory or unfair treatment of consumers in financial hardship. 
CFPB Regulation V / UDAAP Prohibits unfair, deceptive, or abusive acts or practices in reporting. 



Supporting Documentation : Experian report falsely stating repossession and inflated balance. 
Screenshots from ACAs website confirming : {$3800.00} payment made on XX/XX/year> {$0.00} past due balance XXXX scheduled payment : {$440.00} on XX/XX/year> Remaining balance : {$11000.00} Evidence of financial hardship during this period ( available upon request ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have a duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AR

Complaint narrative:
This account is no longer active, and I believe it is negatively impacting my credit profile. I respectfully request that you investigate this account and consider removing it from my report, as it no longer reflects my current financial status and is not contributing positively. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I kindly request written confirmation of the results of your investigation and a copy of my updated credit report once the account has been removed. 

Please consider this letter as my formal dispute and request for reinvestigation. If you require additional information from me to proceed, do not hesitate to contact me.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Empire West Mortgage Lending PLLC
State: AZ

Complaint narrative:
On XX/XX/year>, I gave the last piece of information to XXXX XXXX, a mortgage loan originator with empire west mortgage lending, XXXX. He has ran my credit, has my income, has subject property address, estimated value, name, and all of my liabilities information. I reached out multiple times by text and phone. XXXX has not responded not provided me a loan estimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Demand for Removal of Unauthorized Hard Inquiries TransUnion & Equifax To Whom It May Concern, I am filing this formal complaint to report unauthorized hard inquiries on my credit reports from TransUnion and Equifax, despite having disputed them on XX/XX/year>. These inquiries were not made with my consent, and I have not initiated any credit applications with the institutions listed below. 
Experian has completed their investigation and removed these inquiries entirely. However, TransUnion and Equifax have failed to respond or take corrective action violating both the timeline and consumer protection standards of the Fair Credit Reporting Act ( FCRA ). 
Inquiries to Be Deleted : Ally Financial ( multiple entries ) XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Global Lender Timeline & Urgency : These inquiries must be removed within XXXX ( XXXX ) business days of receipt of this complaint. I have submitted documentation previously, and there is no legitimate reason for delay. 
Supporting Documentation ( attached ) : Copy of Experian credit report showing deletions XXXX XXXX TransUnion and Equifax reports with disputed inquiries Valid government-issued ID Action Requested : Immediate removal of unauthorized inquiries from TransUnion and Equifax reports XXXX confirmation of deletions Investigation into noncompliance and potential enforcement actions for failure to adhere to FCRA Thank you for your prompt attention. I trust the CFPB will ensure swift resolution in accordance with federal law. I am available to provide any further information you may need. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: SC

Complaint narrative:
I called Jeffersons collection agency in regard to a closed XXXX credit card account. I explained my current financial situation, they were inconsiderate of the fact that I'm retired and XXXX, and unable to return to work for the rest of my life. They even tried to collect my XXXX benefit as a form of settling and they wouldn't do a payment plan with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} WFB CD SVC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

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