vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I am a victim of identity theft. There are some cars, credit card and a loan on my 3 reporting agencies I never gave anyone permission or authorization to open these accounts.

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 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Auto Loan account opened at XXXX XXXX on XX/XX/XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX Personal Loan account opened at XXXX on XX/XX/XXXX Personal Loan account opened at XXXX  on XX/XX/XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-04-24 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Auto Loan account opened at XXXX XXXX on XX/XX/XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX Personal Loan account opened at XXXX on XX/XX/XXXX Personal Loan account opened at XXXX  on XX/XX/XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MO

Complaint narrative:
I am writing to dispute the following information : XXXX XXXX This information is inaccurate due to not recognizing the account number associated with this company. I have reached out to Experian, XXXX and Equifax numerous times and asked for validity on this account and for this reason to please delete it from my credit profiles. In the interim, I received the following letter below from XXXX. This does not constitute the validity of this account number they have have associated with my name that they are reporting to the three major Credit Bureaus. As a result, I would like for the account to please be deleted from my credit profiles. 

I have attached the letter they sent to me from XXXX, in addition to the profile letter from Experian. 


Thank you for your time on this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: WV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX RE : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing to formally dispute and request validation for several accounts listed on my TransUnion credit report. This is not a refusal to pay, but a request for full validation and verification of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Below is a list of accounts that I request validation for, grouped by the respective agency or creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the following for each account listed : The name and address of the original creditor An itemized breakdown of the balance, interest, fees, payments, and charges Proof that your agency has the authority to collect this debt A copy of the original signed agreement or contract, if applicable Please note that my only current and correct address is : XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX you can not provide the requested information, you must remove the items from my credit report and cease all collection activities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
b'After checking my account I noticed multiple fraudent items on my credit report , why are things reporting with out my consent ? Under the fcra 605B I want all these illegal items that were inserted on my report without my permission removed in 4 days or less . Or i will bring this to litigation and sue for damages caused to by your  company XXXXTotal fraudulent amount:\nCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXXDate fraud began:XXXXDate that I discovered it:\XXXXTotal fraudulent amount:\nXXXX XXXXnCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud began:XXXXDate that I discovered it:XXXXTotal fraudulent amount:\n$ XXXX\nCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud beganXXXXDate that I discovered it:\nXXXXotal fraudulent amount:\nXXXX XXXX XXXX XXXX IDTheftReport\n_XXXX XXXXCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud beganXXXXDate that I discovered it:XXXXTotal fraudulent amount:\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
b'After checking my account I noticed multiple fraudent items on my credit report , why are things reporting with out my consent ? Under the fcra 605B I want all these illegal items that were inserted on my report without my permission removed in 4 days or less . Or i will bring this to litigation and sue for damages caused to by your  company XXXXTotal fraudulent amount:\nCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXXDate fraud began:XXXXDate that I discovered it:\XXXXTotal fraudulent amount:\nXXXX XXXXnCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud began:XXXXDate that I discovered it:XXXXTotal fraudulent amount:\n$ XXXX\nCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud beganXXXXDate that I discovered it:\nXXXXotal fraudulent amount:\nXXXX XXXX XXXX XXXX IDTheftReport\n_XXXX XXXXCredit Card Opened by the Thief\nCompany or Organization: XXXX XXXX XXXXDate fraud beganXXXXDate that I discovered it:XXXXTotal fraudulent amount:\nXXXX 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 2025-04-24 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased two items from the same vendor on two different dates. Both items were listed as brand new in box. I picked up both items on XX/XX/XXXX and when I got home opened the boxes and both items were missing essential pieces. One, a lava lamp was missing a cap and was clearly used. The other, a dresser was partially built ( two pieces had drawer tracks installed ) and it was missing all of the hardware ( drawer pulls, nails, dowels, screws etc ) needed to build it. The instructions were also missing. Pieces of the dresser were damaged and another piece had a stain. I contacted the merchant who asked for photos and when i sent photos they never responded. I file a dispute with the bank. I had to file two different dispute one for each charge. I submitted photos and screenshots of the merchants listing stating I would be getting a product which was new in box and exactly what was in the photo. The lesser charge dispute was approved. But the one for XXXX ( the dresser ) was denied. When asking why it was denied I received documentation stated the transaction was not made In error and was authorized. ( Which is not what I was disputing i was disputing because I was scammed ) I submitted a new dispute with the same information evidence and even screenshots of reviews from other people who have been scammed by this merchant. I got a denial and the same response. I have now disputed this transaction over 5 times. When I ask to speak to a manager they say someone will reach out to me by email and I get an email from a no-reply email stating that is the decision they've made. Because its a no reply email i am unable to speak to anyone about the denials and the fact the transactions are being denied despite all the evidence I have and for the wrong reason. When i speak to customer service agents i get told a " live manager is available at the moment and ill recieve an email. Recently ive learned from a customer service agent that they dont have live managers at all they only communicate through email. Which is an issue because they send these emails from address which e can not reply to. The dispute for the same company and same reason for a cheaper item was approved so im not understand why they're continuing to deny a dispute for the same thing just a different item. it appears they're denying it because the total is a bit more and not actually due to the evidence provided. I am chronically ill and I am now stuck with a bunch of heavy worthless wood I cant do anything with, or let alone move because I dont have help to move it at the moment its outside collecting mold. I'm also out of XXXX due to a scam and my bank is refusing to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation