vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute of a debt to Columbia Debt Recovery XXXX ( Genesis ) via email, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). The collector has not provided proper validation. The only response I received was a restatement of the balance, which does not satisfy FDCPA requirements for verification ( such as providing a copy of the signed lease, itemized charges, and documentation supporting the alleged damages ). 

Despite this, the company continues to pursue collection, violating FDCPA 809 ( b ), which requires collectors to stop collection efforts until proper validation is provided. 

The original creditor, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX appears to have charged for items that are considered normal wear and tear under XXXX XXXXXXXX XXXX XXXX. For example, the charges include XXXX XXXX XXXX XXXX, which are explicitly categorized as normal wear and tear in XXXX. XXXX charge was for writing on a XXXX XXXX  that was present when we moved in. 

I previously disputed the charges with XXXX in XXXX, but the balance was forwarded to collections despite my objection. 

If this debt has been reported to credit bureaus, it must be marked as disputed under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the collector : Stop all collection efforts until full validation is provided, including signed lease, itemized list of charges, and XXXX XXXX 

Cease contacting my spouse or any other third party about this debt. 

If the debt can not be validated, remove it from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My information was used in identity fraud. I did not authorize to open any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that XXXX of my accounts is not being reported accurately on a XXXX XXXX. Specifically, XXXX XXXX XXXX late payments are being shown in XXXX, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

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 2025-07-20 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: MI

Complaint narrative:
I recently reviewed my credit report and found that XXXX of my accounts is not being reported accurately on a XXXX XXXX. Specifically, XXXX XXXX XXXX late payments are being shown in XXXX, even though these payments were made on time. 

As required by law, consumer reporting agencies must ensure that all information is reported with complete accuracy. This account has never been late. I have attached a copy of my credit report highlighting the inaccurate entries, along with the relevant dates, for your review. I am now formally requesting that you investigate this matter and provide verifiable documentation proving these late payments. 

If the information can not be verified with proper records, I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in having the incorrect late payments removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention and prompt action on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I HAVE DISPUTED THE BANKRUPTCY AND ASK THAT IT BE REMOVED OFF MY CREDIT REPORT BECAUSE THE INFORMATION IS INACCURATE. COURTS DO NOT REPORT BANKRUPTCY TO CREDIT BUREAUS AND IT VIOLATES MY CONSUMER PRIVACY RIGHTS. UNDER THE LAW CODE 15 US CODE 1681 a ( 4 ). And the credit bureaus lied on the XXXX XXXX courts as the data Furnisher when the courts do not report to the credit bureaus or verify information with XXXX, Experian, or TRANS UNION.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I HAVE DISPUTED THE BANKRUPTCY AND ASK THAT IT BE REMOVED OFF MY CREDIT REPORT BECAUSE THE INFORMATION IS INACCURATE. COURTS DO NOT REPORT BANKRUPTCY TO CREDIT BUREAUS AND IT VIOLATES MY CONSUMER PRIVACY RIGHTS. UNDER THE LAW CODE 15 US CODE 1681 a ( 4 ). And the credit bureaus lied on the XXXX XXXX courts as the data Furnisher when the courts do not report to the credit bureaus or verify information with XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: KY

Complaint narrative:
XXXX, here i attached report number since XXXX, debt collector doesn't answer, and this collection has to be removed as FCRA requires by 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 2025-07-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-20 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. There are multiple fraudulent accounts and hard inquiries on my Experian credit report that I did not authorize. I submitted an identity theft dispute letter with proof ( ID, FTC report, etc. ) and requested the fraudulent items be removed under FCRA Section 605B. Experian has not removed the items within the required XXXX business 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 2025-07-20 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: GA

Complaint narrative:
: I am filing an identity theft complaint against the credit bureaus for continuing to report fraudulent accounts despite receiving a valid FTC Identity Theft Report. These accounts were not opened, authorized, or used by me. 

I have submitted the full identity theft packet to Equifax, XXXX and Experian, including : My FTC Identity Theft Report ( Report # : XXXX ) A signed personal statement My photo ID and proof of address A formal dispute letter requesting permanent deletion under FCRA Section 605B The following accounts must be permanently removed : XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX$470.00} According to FCRA 605B, the bureaus are required to block these accounts within XXXX business days of receiving valid identity theft documentation. I am requesting immediate deletion and written confirmation of compliance.

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 2025-07-20 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To fully resolve this matter, I am requesting the following actions be taken by TRANSUNION and the data furnishers : Permanent deletion of the inaccurate late payments associated with the following accounts : XXXX CARD Account Number : XXXX XXXX Account Number : XXXX A formal reinvestigation in compliance with FCRA 1681i ( a ), including a request for verification from the furnishers of credit data that : They issued timely notice to me of any due dates or upcoming late payments. 

They provided dated documentation ( emails, letters, billing notices ) showing they informed me prior to reporting the delinquency. 

If the furnishers fail to verify that such notices were sent, then under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ), XXXX  must XXXX Immediately remove the late payment entries from my credit report. 

Send a revised and corrected copy of my credit file to me. 

I request that all results and documentation from this investigation be provided to me in writing within 15 business days of receipt of this notice. 

Failure to resolve this will result in further action, including additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Attorney General, as well as potential legal claims for damages under FCRA 616.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
* I request the full refund of {$2400.00} that was unjustly withdrawn from my account. 

" unjustly withdrawn '' * My bank had explicitly confirmed the safety of the check I deposited on [ XX/XX/year>. ] after I specifically asked them to verify it. XX/XX/year>. 

* I relied on this official confirmation to proceed with my financial transactions. 

* The subsequent reversal of funds XXXX months later, due to the check allegedly being fraudulent, indicates a serious lapse in the bank 's initial due diligence. 

" I allegedly fraudulent '' * The bank should be held accountable for its prior validation and the resulting financial loss I incurred due to their negligence. 

* I seek the immediate return of the {$2400.00} to my account, along with any associated fees or interest incurred due to this wrongful withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
To resolve this matter fairly and in compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the credit reporting agency : Permanently delete the following fraudulent accounts and unauthorized inquiries from my credit report : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Inquiry dated XX/XX/XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX XXXX  XXXX Account Number : XXXX Block all identity theftrelated data within 4 business days of receiving my supporting documentation, in accordance with 15 U.S.C. 1681c2.

Provide a corrected and updated copy of my consumer credit report reflecting the removals. 

Send written confirmation of each deletion and block within the legal timeframe. 

I have already provided all supporting documents including my : Government-issued photo ID Social Security card Proof of address FTC Identity Theft Report If this issue is not resolved promptly, I will proceed with complaints to the CFPB, FTC, XXXX, and relevant Attorney General offices, and reserve the right to pursue legal action under FCRA 616 for statutory and actual damages, including legal fees.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I received letters in the mail XX/XX/25 and XX/XX/25 to pay a claimed obligation of {$490.00} to Midland Credit Management. I sent XXXX debt validation letters on XX/XX/25 andXX/XX/XXXX requesting Validation and itemization of the debt, including a full accounting of how the amount was calculated, A copy of the original signed agreement that you claim created this obligation, The name and address of the original creditor, and a full chain of custody from the original creditor to you, Proof that you are licensed to collect debt in the state of XXXX XXXX XXXX including your license number, A copy of any judgment, if applicable, regarding this debt, and A statement confirming that the statute of limitations has not expired. I requested all collection activity to cease until the documentation was provided. 
I received none of the requested information and XXXX continued to report the information to the credit bureau 's and contacted me via phone to inform me that the documents I needed were attached under documents in my online profile with XXXX. The only documentation is a charge-off notice and statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
National Recovery Agency ( NRA ) is collecting a medical debt of {$1900.00} reported as opened on XX/XX/XXXX, but the actual delinquency originated in XXXX during a COVID-related hospital visit. This appears to be illegal re-aging under FCRA 623 ( 5 ) ( A ), resetting the date to extend the 7-year reporting period. NRA has not validated the debt despite requests, failing to provide proof such as the original hospital contract, itemized bill with CPT codes, payment history, insurance EOBs, HIPAA authorizations, charity care screening records, or evidence of federal funds application ( e.g., CARES Act for COVID care ). The hospital should have forgiven this under ACA charity care policies, making the debt inaccurate and unreportable. As of XX/XX/XXXX, the balance is still reported as past due, harming my credit. I requested validation on [ insert approximate date, e.g., XX/XX/XXXX ], but NRA has not responded adequately. Please investigate and require removal.

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