vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: IA

Complaint narrative:
I looked at my Credit Report with Equifax and noticed items were incomplete and not accurate. According to FCRA 15 USC 1681E ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy. Per 15 USC 1681s-2 and 15 USC 1681 ( a ) ( 5 ) states that the items that are inaccurate, the consumer agency shall be promptly remove the items of information.

XXXX. XXXX XXXX Missing payment history paid on timefrom XX/XX/XXXXXXXX  to current date XX/XX/XXXX, for 2 years of history, no late payments- UPDATE 2 YEARS OF PAYMENT HX XXXX. XXXX XXXX - Missing payment history from XXXX paid on time, no late payments- UPDATE 3 MONTHS OF PAYMENT HX XXXX. XXXX  -Missing payments from XX/XX/XXXXXXXX  to current XX/XX/XXXX, for 2 years of history, no late payments- UPDATE 2 YEARS OF PAYMENT HX XXXX XXXX XXXX XXXX Missing payment history XX/XX/XXXX to XX/XX/XXXX, 1 year payment history on time, no late payments- UPDATE 1 YEARS OF PAYMENT HX XXXX. XXXX -Missing payment history from XX/XX/XXXX to XX/XX/XXXX, 1 year payment history on time, no late payments- UPDATE 1 YEAR OF PAYMENT HX XXXX. XXXX - Missing entire payment history from XXXXXXXX  On time, no late payments- UPDATE 5 YEARS OF PAYMENT HX XXXX. XXXX XXXX XXXX Inaccurate late payment reporting by XXXX XXXX XXXX XXXX XXXX, card was paid off in full in XX/XX/XXXXXXXX  and closed at consumer request- REMOVE 3 MONTHS OF LATE PAYMENTS XX/XX/XXXX30/60/90 DAYS-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/year> Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by Columbia Debt Recovery. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I was reviewingg my credit report and noticed hard inquiriess that do not beloong to me plese remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally document my ongoing dispute regarding the inaccurate late payment entry reported by Experian in connection with XXXX XXXX Account No. XXXX, showing a late payment for XX/XX/XXXX that is false, unsupported, and unverifiable. Despite my initial dispute letter sent on XX/XX/XXXX, Experian has failed to provide any tangible proof, verification details, or reinvestigation results validating the accuracy of this negative reporting. This inaction constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, which require credit reporting agencies to conduct a reasonable reinvestigation and remove unverifiable information.

The account in question remains disputed because the reported delinquency is the result of a furnisher reporting error, not an actual failure to pay. Experians continued publication of this inaccurate information has caused ongoing harm to my creditworthiness, financial opportunities, and reputation. Furthermore, their failure to comply with their statutory obligations demonstrates negligence and willful disregard for the consumer protection standards established under federal law.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my credit report that is affecting my creditworthiness and does not reflect the true state of my credit history. 
While reviewing my credit report, I was alarmed to discover two instances that I believe must be corrected for an accurate reflection of my credit history. These errors are concerning not only because of the incorrect reporting, but also because they contradict the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 
First, I would like to address the XXXX XXXXXXXX XXXX account with the number XXXX. This account, opened on XX/XX/XXXX, shows a balance owed of {$480.00} and a history of late payments. The report reflects 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is inaccurate. I assert that these late payments are reported incorrectly, and I request that you investigate and correct the reporting of this account. 
As per FCRA Section 609 ( a ) ( 1 ), I am entitled to request full documentation supporting this reported late payment history. The absence of such documentation would suggest that this entry is unverifiable and should be removed from my credit report. Further, I am requesting that the account be investigated to verify its authenticity and that the information is corrected if it can not be verified within the 30-day period required by FCRA Section 611. 
Second, there is an account reported from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although this account shows a {$0.00} balance, it reflects 30 days late from XXXX to XX/XX/XXXX, marked as regular late. However, I have noticed that this account is still being reported as closed on some credit bureaus, which contradicts the closed status reported on others. This discrepancy violates the guidelines of the FCRA Section 607, which mandates that all information reported to the credit bureaus must be accurate and consistent across all reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally asking for the removal of this erroneous account from my credit report, as I never authorized its creation or use. Attached are the necessary documents to back up my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Since XX/XX/2025, OneMain/Brightway has placed approximately XXXX collection calls from the number XXXX ( XXXX ) XXXX to my phone regarding a past-due balance of about {$800.00}. 
That equates to nearly three calls per day for over two months. The calls occur on weekdays, weekends, and sometimes multiple times within a single hour. I have repeatedly requested that the calls stop. 

This pattern far exceeds the CFPBs 7 calls in 7 days per account rule under 12 C.F.R. 1006.14 ( b ) ( 2 ) and constitutes harassment or abuse prohibited by the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. 
The companys conduct has caused stress, XXXX, and disruption to my daily life. 

This violates federal law : Excessive frequency : More than 7 calls in 7 days per debt violates Regulation Fs presumption of harassment. 
Repeated attempts after request to stop : Continued calls after verbal notice contravene 15 U.S.C. 1692d and 1692c ( a ) ( 1 ).

Unreasonable persistence for small balance : 191 calls for an {$800.00} account reflect intent to harass rather than to communicate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: U.S. BANCORP
State: FL

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year>, Chime withdrew funds from my checking account ending in XXXX to apply toward my XXXX balance despite Chimes official written notice stating that automatic repayments would not begin until XX/XX/year>. 

This early withdrawal occurred without my authorization, prior to the effective repayment date, and directly contradicted the communication I received from Chime. As a result, my account was left nearly empty and I was unable to meet essential expenses, causing significant financial stress and emotional hardship. 

When I contacted Chimes customer service department, I was told the withdrawal could not be reversed because it was allegedly part of the XXXX terms and conditions. However, this contradicts Chimes own written notice, which explicitly stated that repayments would only begin after XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I was reviewing my credit report and noticed inquiries that are not mine

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified, they should be deleted.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a member of XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I wired {$50000.00} from my XXXXXXXX XXXX XXXX XXXXXXXX account to XXXX XXXX XXXX, which held an account at Wells Fargo Bank. This transaction was part of a scam conducted through an online investment platform called XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Department has sent three secured messages to Wells Fargo requesting assistance in investigating this fraudulent transfer, but Wells Fargo has not responded to any of them. I have confirmed this information in a phone conversation with XXXX XXXX from XXXXXXXX XXXX XXXX Fraud Department on XX/XX/year>. 

Because Wells Fargo has failed to respond to legitimate interbank fraud investigation requests, it has delayed the recovery of my stolen funds and hindered law enforcement efforts. I respectfully request that the CFPB contact Wells Fargo to ensure they respond promptly to XXXXXXXX XXXX XXXX XXXX fraud investigation inquiries and fully cooperate with the investigation. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Department has made three separate formal inquiries through secured messages to Wells Fargo Bank requesting assistance with this transaction specifically asking Wells Fargo to verify the recipient account, freeze any remaining funds, or return the funds if possible. 

To date, Wells Fargo has not responded to any of these three secure messages. This lack of cooperation has prevented progress in tracing or recovering the stolen funds and has caused me severe emotional and financial distress.

I am filing this complaint to request CFPBs assistance in ensuring that Wells Fargo Bank responds to XXXXXXXX XXXX XXXX XXXX XXXXXXXX fraud investigation messages, cooperates with law enforcement, and provides written confirmation of its actions regarding this fraudulent transaction.

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under my rights granted by XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a correct credit report. I request a review of these entries, and if they can not be verified, they should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Capital Services/ LVNV Funding LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist & Debt Verification Request under 15 U.S.C. 1692c ( c ) and 1692g ( b ) To Whom It May Concern, I am writing in response to your communications regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., this letter serves as both a formal request for debt validation and a cease and desist demand.

Under 15 U.S.C. 1692g ( b ), I hereby request that you provide validation of the alleged debt, including but not limited to : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including any interest, fees, or other charges ; 3. Documentation proving that I am legally obligated to pay the debt ; 4.

Documentation showing that LVNV Funding LLC and/or Resurgent Capital Services has the legal right to collect on this alleged debt.

Until such validation is provided, you must cease all collection activity, including reporting or verifying this alleged debt to any credit reporting agency.

Furthermore, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me regarding this matter. This includes, but is not limited to, telephone calls, mail, email, or any other form of contact. The only communications you may send are : - A single notice confirming that you will cease further communications, or - A notice advising of specific legal remedies you intend to pursue. 
Please note that any failure to comply with these provisions will be considered a violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant regulatory agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( Signature on original sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Date : XXXX XXXX  To : XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, MN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXXXXXX  SSN ( last four ) : XXXX Subject : Formal Dispute of Inaccurate Account Information Dear XXXX  Dispute Department, I am formally disputing the accuracy of the information your company is reporting under my name regarding the following account : Source of Information : Bank of America , N.A . 
Reported For : Suspected Fraud Activity Date of Closure : XX/XX/XXXXXXXX  Closure Status : Settled in Full This information is inaccurate, incomplete, and misleading and is therefore a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ]. I have never engaged in any fraudulent banking activity with Bank of America or any other financial institution. This appears to be the result of identity theft and inaccurate reporting. 
Please conduct a complete reinvestigation of this entry. If Bank of America can not provide verifiable documentation bearing my signature or valid proof that I was involved in any fraudulent activity, this item must be deleted immediately from my XXXX  report pursuant to FCRA 611 ( a ) ( 5 ) ( A ).

Additionally, under FCRA 605 ( a ), no obsolete or unverifiable information may be reported. Since the alleged account was closed in XXXX, please ensure this item is reviewed for compliance with retention and accuracy standards. 
I have included the following supporting documentation to assist in your reinvestigation : - Copy of my government-issued photo ID - Copy of my Social Security card - Copy of my recent utility bill showing my current address Please provide me with written confirmation of your investigation results and any deletions or corrections made. If this item is verified, please provide the full documentation, contracts, and application details used to substantiate the alleged account.

Thank you for your prompt attention to this matter. I expect a response within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ).

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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