vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Unauthorized Collection Account Dear Equifax Information Services LLC, Im writing to follow up on my previous letter sent on XX/XX/XXXX, regarding a collection account on my credit report that I believe is inaccurate. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ), I am requesting that this account be properly investigated and removed. 
Here are the details of the disputed account : Creditor/Agency : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/XXXX So far, I have not received any valid proof that this debt is legitimate. As per Section 809 of the FDCPA ( 15 U.S.C. 1692g ), you are required to provide proper validation of this debt. Additionally, the FCRA ( 15 U.S.C. 1681i ) mandates that you investigate disputed information and either correct or delete any inaccurate or unverifiable entries. Under the CFPA ( 12 U.S.C. 5531 ), it is prohibited to engage in unfair or deceptive practices when collecting consumer debts.

For your reference, Ive attached copies of my previous correspondence along with supporting documentation, including a copy of my identification for verification purposes. 
I appreciate your attention to this matter and expect a written response within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: CA

Complaint narrative:
CFPB. Someone better set this shot straight because Im not going to stop talking and reporting that someone at this corporation is a federal law breaking criminal. XXXX the resolution specialist for Carvana states on a recorded line THAT ..SHE IS HOLDING THE XXXX DOCUMENT THAT I SIGNED. IIIIIII NNNEEEVVVEERRR SSSSIIIGGNNEEDDD THHEEE DOCCCUMMEEENNTTT. Its never come to my email to sign!!!!! Listen to the link included with this complaint. Open your ears and listen and then someone take the NEXT STEP AND BEGIN THE LEG WORK TO LOCATE THE IP ADDRESS FOR THE DOCUMENT THAT SIGNED CLICKED AND PUT MY SAVED AUTOGRAPH. THIS IS A FEDERAL CRIME!!!! F-E-D-E-R-A-L C-R-I-M-E!!!!!!!!! Then you left brigdcrest get away with possession of a voided contract. And now Im really fed up the hole with no car, $ XXXX down payment gone another $ XXXX sunk into the car they wouldnt take back and now owe XXXX $ XXXX and my credit fed up until XXXX. XXXX XXXX XXXX XXXX NO! They cant not say that the original contract just reinstated because of XXXX ever they want to say. Both parties had to sign a REINSTATEMENT TO DO SUCH ACTIONS. 

I NEVER signed it I wasnt keeping the car for day one!!!!!!!!!!!!!! Do something about this complaint CFPB. Someone better help me. funny you wont let me upload the photo video of her saying that shes holding the rebuild or the link to it anymore. Go to the previous complain against XXXX and you can hear her say it there. I think you guys are in on this XXXX crooked everybodys crooked yall crooked working together having beers after work heads are going to roll a man. Im not that Im not. Im not sitting out on this one. Someones taking the heat for this not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im writing because Im really frustrated with how Experian handled my recent credit dispute. Ive recently learned about the CFPB lawsuit against Experian, and I think my situation is connected to the problems theyre being sued for. 
I disputed an account on my credit report, but you didnt seem to investigate it properly. The account Im disputing is [ XXXX XXXX  ] with account number [ XXXX ]. The issue is that the information about this account is wrong. 
On top of that, your response didnt explain much. I didnt get any proof or details about how you verified the account. And this is hurting my ability to get a home for my family! 
Heres what Im asking for : Do a proper investigation as REQUIRED by law. 
Remove the incorrect account or information from my credit report if the company cant verify it. 
Send me clear results showing exactly what you did to verify this account and share any proof you used. 
Dont let this account come back on my report unless you can prove its accurate and give me written notice first.

Im asking you to resolve this within XXXX days, as required by the Fair Credit Reporting Act. If this isnt fixed, XXXX have no choice but to file a complaint with the CFPB and take further action to protect my rights. 
Thank you for handling this quickly. I look forward to hearing from you soon. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ; XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Hard Inquieres XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX  ( XX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXXXXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I mailed a formal dispute letter to Equifax under the Fair Credit Reporting Act ( FCRA ), referencing inaccurate personal information and account data appearing on my credit report. 

Despite providing detailed documentation, including a copy of my credit report and proof of identity, Equifax failed to correct or remove the following items : Inaccurate Personal Information My report contains incorrect names and outdated addresses that are not current or valid. This violate

s 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Unauthorized Inquiries Equifax is reporting hard inquiries that I did not authorize. These violate 15 U.S.C. 1681b ( f ), which prohibits accessing a consumer report without a permissible purpose.

Incorrect Account Reporting XXXX XXXX is inaccurately reporting late payments that I formally disputed. Additionally, XXXX XXXX is reporting misleading charge-off balances. These inaccuracies violate 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct reasonable investigations and correct any erroneous data.

Failure to Reinvestigate Equifax has not responded or provided any resolution within the 30-day window as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I have not received verification, correction, or documentation regarding the disputed entries.

I am requesting that the CFPB compel Equifax to : Complete a proper reinvestigation of all disputed items.

Remove or correct the inaccurate names, addresses, inquiries, and account data.

Provide written confirmation of the changes made, or a valid reason supported by documentation if no changes will be made.

This complaint is filed in good faith, and I am prepared to pursue further legal remedies under 15 U.S.C. 1681n and 1681o if my rights continue to be violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Rental debt
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: IL

Complaint narrative:
In XXXX of 2024 I was facing financial difficulties and agreed to with Property Management XXXX XXXX XXXX XXXX XXXX XXXX of my intent to vacate from unit. Vacated the Unit on XX/XX/year> to avoid going to court. This was agreed upon and I vacated and turned keys in to management. 
As a result Im fully aware that I would owe. My current debt to XXXX XXXX was turned over to Genesis XXXX XXXX AKA Colombia Debt Recovery. They are currently charging me interest on this debt as if its a credit card on my credit report monthly the current amount owed is currently XXXX but now since Genesis XXXX XXXX has it they are charging XXXX dollars per month, which keeps triggering my credit score. I do not believe this is ethical to obtain additional moneys outside of the original debt. They have had this account since XX/XX/year>. They call morning noon and night as well. I dont mind it being on my report because I do owe. But I should not repeatedly be charged an amount that is not owed outside of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: IA

Complaint narrative:
I am disputing multiple accounts on my credit report that contain errors, duplications, or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ), I am requesting an immediate investigation and removal of 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 explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Email response is requested! 

When the application was submitted opening an additional account for rate reduction was overlooked. During the process it was discussed and not really answered, as multiple people were involved. 

At time of signing documents both the notary and loan rep and supervisor were notified. No one responded when asked about the point reduction with account.

The bank claims that a phone call was made but only one party agreed. For me I have cognitive XXXX and no communication was made, especially after advising email is preferred communication. Not only did the bank ignore my request for accommodation, they ignored my request for point reduction. The bank then used the excuse you had the chance so no change. 

I was given NO chance.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing to request a reinvestigation of an account listed on my credit report. Under 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) and 15 U.S. Code 1681e ( b ) ( Compliance procedures for maximum possible accuracy ), I want to ensure that all the information is 100 % correct. 
Here are the details of the account in question : Account Name : XXXX XXXX XXXX Account Number : XXXX Please review and verify the accuracy of this account. If any information is found to be incorrect, I ask that it be corrected or removed. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy within 30 days, I expect the account to be deleted from my report. Additionally, under 15 U.S. Code 1681e ( b ), I request confirmation that the procedures used to include this information are reasonable and guarantee maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing to request a reinvestigation of an account listed on my credit report. Under 15 U.S. Code 1681i ( Procedure in case of disputed accuracy ) and 15 U.S. Code 1681e ( b ) ( Compliance procedures for maximum possible accuracy ), I want to ensure that all the information is 100 % correct. 
Here are the details of the account in question : Account Name : XXXX XXXX XXXX Account Number : XXXX Please review and verify the accuracy of this account. If any information is found to be incorrect, I ask that it be corrected or removed. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy within 30 days, I expect the account to be deleted from my report. Additionally, under 15 U.S. Code 1681e ( b ), I request confirmation that the procedures used to include this information are reasonable and guarantee maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint because Equifax is reporting inconsistent and inaccurate information on a charged-off XXXX account. 

Specifically, the Date of Last Payment is listed as XX/XX/year> in XXXX part of the report, but shown as XX/XX/year> in the historical payment data. Both dates appear in the same Equifax credit file. 

Additionally, the Date of First Delinquency is being reported as XX/XX/year>, which is inaccurate. I made my last payment on XX/XX/year>, and the account was never brought current again. That means delinquency began in XX/XX/year>, not XXXX. 

I disputed this with Equifax more than once, and they marked it verified without correcting the inconsistency. This contradicts their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief