vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to MACYS/CITIBANK, N.A. dated, XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), MACYS/CITIBANK, N.A. has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since MACYS/CITIBANK, N.A. did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure MACYS/CITIBANK, N.A.s immediate compliance with FCRA requirements. MACYS/CITIBANK, N.A. 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 2025-10-29 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: WA

Complaint narrative:
I previously filed CFPB Complaint XXXX XXXXXXXX against XXXX XXXX XXXX XXXX which admitted on XX/XX/year> that it requested deletion of its collection account from TransUnion and Equifax via XXXX ( XXXX ). Despite this admission, the account still appears on my credit reports.

Under FCRA 623 ( b ) and 611 ( a ) ( 1 ) ( A ), both TransUnion and Equifax are required to conduct a reasonable reinvestigation and remove information that a furnisher has withdrawn or can not verify. Cont
inuing to report an account after the furnisher itself requested deletion constitutes inaccurate reporting under FCRA 607 ( b ).

I am providing the CFPB confirmation and the companys own statement as evidence that TransUnion and Equifax should have deleted the tradeline but failed to do so.

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 2025-10-29 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-29 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: TX

Complaint narrative:
I am writing in response to a collection notice or communication I received from your company regarding the debt referenced above. This letter is a formal request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request verification of this debt before any further collection activity may continue. Therefore, please provide the following information : 1. The name of the original creditor and the full account number associated with the alleged debt.

2. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges. 
3. Proof that your company is authorized to collect this debt, including any assignment or transfer of the account.

4. A copy of the original signed contract or agreement that created this obligation.

5. Documentation showing that your company is licensed to collect debts in my state, if applicable.

Until this information is provided, you are required to cease all collection activities, including reporting this debt to any credit bureaus, as outlined under 15 U.S.C. 1692g ( b ).

Please note that I am keeping detailed records of all communications with your company regarding this matter. If you fail to provide proper validation within a reasonable timeframe, any continued collection attempts will be considered a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
Was unaware of the fact usda loan should have offered for closure protection lender didn't provide any solutions. Foreclosed without options provided by lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: KY

Complaint narrative:
I had a cash app account and XXXX day it just closed no reason or anything I haven't done anything wrong and now XXXX  can't create an account for some reason and I need it to support my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediateremoval.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX XXXX and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 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:
XXXX XXXX XXXX is furnishing false and misleading information on my Experian credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). 

Details : The furnisher is reporting an account with an open date of XX/XX/XXXX, and a balance of {$4000.00}, while the original creditors records confirm the account was closed on XX/XX/XXXX with a {$0.00} balance. This reporting re-ages the account, misrepresents the date of first delinquency, and creates the appearance of a new, recent collection when no such account exists. 

I formally disputed this entry and requested validation under the FCRA and FDCPA, including : Chain of assignment and ownership documentation from the original creditor ; Complete payment and account history ; Accurate Date of First Delinquency ( DOFD ) ; Contract or documentation establishing XXXX legal authority to report this tradeline. 

XXXX failed to produce any of this information and instead verified the same inaccurate reporting with Experian. This constitutes : Furnishing information known or that should be known to be inaccurate under FCRA 623 ( a ) ( 1 ) ( A ) ; Failure to conduct a reasonable investigation under 611 ( a ) ( 1 ) ( A ) ; Deceptive reporting practices under FDCPA 807 ( 2 ) ( A ) and 807 ( 8 ) by re-aging and mischaracterizing the debt.

The open date of 2023 materially alters the age and status of the alleged account and unlawfully extends its reporting period, a clear violation of FCRA 605 ( a ). This conduct is deceptive, harmful, and in bad faith.

Requested Remedy : I am requesting : 1. Immediate deletion of this tradeline from all consumer credit files ; 2. Confirmation that XXXX has ceased furnishing this data to any CRA ; 3. Referral for CFPB supervisory review and potential civil penalty referral due to repeat FCRA noncompliance. 

The evidence attached includes : Exhibit A : Original creditor record showing account closed XX/XX/XXXX with {$0.00} balance ; I am filing this complaint in good faith to ensure compliance with federal consumer protection laws. If this inaccurate tradeline is not deleted or properly validated, I intend to pursue all available remedies under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. This includes potential claims for actual, statutory, and punitive damages under 15 U.S.C. 1681n, 1681o, and 1692k. I am requesting immediate deletion of the XXXX XXXX XXXX tradeline and confirmation that it will no longer be furnished to any consumer reporting agency.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding an alleged debt inaccurately reported by Midland Credit Management , Inc. on my XXXX credit report. 

The tradeline lists an opened date of XX/XX/year>, a balance of approximately {$4000.00}, and identifies Midland Credit Management Inc. as the original creditor. These entries are false and misleading. Midland is a third-party debt buyer, not the original creditor. By listing itself as the originator and assigning a new open date, Midland has re-aged the account to appear newer than it is. This misrepresentation directly violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( A ), which require furnishers to report the accurate Date of First Delinquency and the correct original creditor information. 

Additionally, the account reflects a false last payment date of XX/XX/XXXX, XXXX after the account was closed and inactive. No such payment was ever made. This update artificially refreshes the accounts activity and creates a misleading appearance of recent delinquency. Such reporting is inaccurate and deceptive under 15 U.S.C. 1681n1681o and FDCPA 807 ( 2 ) ( A ) ( false representation of a debts character or legal status ). 

I previously disputed this tradeline through [ XXXX ] XXXX XXXX XXXX and requested a reinvestigation. The bureau verified the account without providing any documentation or proof of ownership from Midland. I have not received any validation of the alleged debt, the original creditors information, or the true Date of First Delinquency. 

Requested relief : 1.Require Midland to produce full documentation validating ownership, chain of title, and the original Date of First Delinquency. 
2.Require [ XXXX ] to provide a method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

3.If such evidence can not be produced, require immediate deletion of the tradeline from all consumer reporting agencies.

4.Refer Midland for review regarding potential re-aging and furnishing violations under FCRA and FDCPA Record of prior dispute submission and verification notice through XXXX 

I am submitting this complaint in good faith to ensure compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Continued furnishing or verification of inaccurate data after notice of dispute may constitute willful noncompliance under 15 U.S.C. 1681n and create potential liability for actual and statutory damages. I respectfully request this matter be reviewed for potential pattern-or-practice violations and resolved through immediate correction or deletion of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report.

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Block, Inc.
State: SC

Complaint narrative:
I used my cash app card at a shell gas station. I never pumped the gas, and it took XXXX dollars off my card as an authorization hold. And never updated the transaction its still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This complaint is filed on behalf of XXXX XXXX, represented by XXXX XXXX XXXX XXXX ( Authorized Representative : XXXX XXXX XXXX, regarding serious and repeated violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion Information Services LLC and the data furnishers XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX Despite formal written disputes sent on XX/XX/year>, the credit bureaus and furnishers continue to report contradictory, inaccurate, and unverifiable information. 

XXXX XXXX is listed as both Open and Closed/Charged-Off with identical balances and dates, while Lending Club appears as Open, Closed, and Charged-Off simultaneously, carrying conflicting balances and remarks such as Account Previously in Dispute Now Resolved. These discrepancies are factual impossibilities that demonstrate negligent or willful violations of FCRA 1681s-2 ( a ) ( duty to report accurate information ) and 1681i ( a ) ( duty to conduct a reasonable reinvestigation ). TransUnion and the furnishers have failed to ensure accuracy, completeness, and consistency in the reporting, resulting in reputational and credit damage to the consumer. 

The authorized representative formally requests the CFPB to initiate enforcement and supervisory review into TransUnions reinvestigation procedures and the data-furnishing practices of XXXX  XXXX and XXXX XXXX XXXX All unverifiable or conflicting entries should be immediately deleted or corrected across all consumer reporting agencies, and the consumer should receive written confirmation of these updates. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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