vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
CFPB Complaint Draft Complaint Against : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Type of Issue : Debt collection Attempt to collect debt not owed Details of the Complaint : I am filing a complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a disputed apartment debt. 

I signed a lease at XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. My wife and I were both employed in the automotive industry at the time. Due to the XXXX pandemic, we both lost our jobs and were forced to move out. We vacated the apartment in good standing, with rent paid through our departure and the property left in excellent condition. 

In XX/XX/XXXX, I received a collection call from XXXX XXXX  demanding {$2300.00} for a so-called lease breaking fee. I explained the circumstances of the pandemic and offered a settlement of {$500.00}, which was rejected. The collector laughed at my offer and refused to work with me in good faith. 

Later, I discovered that Columbia Debt Recovery XXXX ( XXXX ) was contacting my mother and seeking my personal contact information to collect on what they claimed was the same debt. Genesis is now attempting to collect {$3000.00}, an inflated amount, with no documentation provided. This collection attempt is being made past the Colorado statute of limitations and without any proof that the debt is valid or owed. 

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) because : The debt is not valid and has not been verified with proper documentation.

The amount has been inflated from {$2300.00} to {$3000.00}.

Collection attempts are being made beyond the legal statute of limitations in Colorado.

Contact was made through third parties ( my mother ), which is not permitted under the FDCPA.

The collector acted unprofessionally and in bad faith by mocking my settlement offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
Dear Sir or Madam, I am formally disputing inaccurate and misleading information being reported on my student loan account serviced by XXXX on behalf of the U.S. Department of Education. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inaccuracies Identified 1. Balance Reporting Conflict The current balance is reported as {$7900.00}, while the highest balance is listed as {$6000.00}, A current balance can not exceed the highest balance. This inconsistency renders the data inaccurate.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) confirms that credit furnishers must ensure accuracy and can not rely on patently inconsistent data.

2. Unknown Payment Statuses Several months are reported as Unknown. This constitutes incomplete and misleading reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

In Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), the court recognized that incomplete or misleading data violates the FCRA just as much as false data.

3. Derogatory Status Contradiction The account reflects a derogatory status while simultaneously reporting the current status as Current. This contradiction misrepresents my creditworthiness.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) established that technically true information which creates a materially misleading impression violates the FCRA.

Demand for Full Investigation Pursuant to 15 U.S.C. 1681i ( a ), I demand a full and independent investigation of this account. You are required to verify all disputed information with original documentation from the Department of Education. Simply confirming internal system records does not meet your obligations ( Cushman v. Trans Union Corp., supra ).

Requested Corrective Action Correct the balance reporting so that the current balance does not exceed the highest balance.

Remove all Unknown payment statuses and replace them with verified, accurate data.

Remove the derogatory designation since the account is simultaneously reported as Current.

If this information can not be verified with documented evidence, you are required by law to delete the disputed entries from my credit file.

Notice of Escalation Failure to comply will result in : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Notification to all relevant Credit Reporting Agencies ( CRAs ), and Pursuing all available legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

I expect written confirmation of your investigation results and corrective action within the required XXXX statutory period. 

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 non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
Dear Sir or Madam, I am formally disputing inaccurate and misleading information being reported on my student loan account serviced by XXXX on behalf of the U.S. Department of Education. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inaccuracies Identified 1. Balance Reporting Conflict The current balance is reported as {$7900.00}, while the highest balance is listed as {$6000.00}, A current balance can not exceed the highest balance. This inconsistency renders the data inaccurate.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) confirms that credit furnishers must ensure accuracy and can not rely on patently inconsistent data.

2. Unknown Payment Statuses Several months are reported as Unknown. This constitutes incomplete and misleading reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

In Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), the court recognized that incomplete or misleading data violates the FCRA just as much as false data.

3. Derogatory Status Contradiction The account reflects a derogatory status while simultaneously reporting the current status as Current. This contradiction misrepresents my creditworthiness.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) established that technically true information which creates a materially misleading impression violates the FCRA.

Demand for Full Investigation Pursuant to 15 U.S.C. 1681i ( a ), I demand a full and independent investigation of this account. You are required to verify all disputed information with original documentation from the Department of Education. Simply confirming internal system records does not meet your obligations ( Cushman v. Trans Union Corp., supra ).

Requested Corrective Action Correct the balance reporting so that the current balance does not exceed the highest balance.

Remove all Unknown payment statuses and replace them with verified, accurate data.

Remove the derogatory designation since the account is simultaneously reported as Current.

If this information can not be verified with documented evidence, you are required by law to delete the disputed entries from my credit file.

Notice of Escalation Failure to comply will result in : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Notification to all relevant Credit Reporting Agencies ( CRAs ), and Pursuing all available legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

I expect written confirmation of your investigation results and corrective action within the required XXXX statutory period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Wells Fargo Bank regarding the sudden and unexplained closure of my personal checking account.

I have been a customer of Wells Fargo for over 20 years, maintaining my account in good standing throughout this period. I have a perfect credit score, have never engaged in any illegal activity, and have consistently managed my finances responsibly.

Recently, Wells Fargo closed my account without notice, stating only that it was a business decision made by their Loss Prevention team. Despite repeated requests, no further explanation has been provided. This action has caused unnecessary hardship and raises concerns about unfair or arbitrary treatment of long-standing customers.

I respectfully request the Consumer Financial Protection Bureau to : 1. Investigate Wells Fargos rationale and justification for closing my account.

2. Ensure Wells Fargo provides me with a clear explanation and written record of the reason for the closure.

3. Confirm whether Wells Fargo reported any negative information about me to XXXX  or any similar reporting agencies, as this could impact my ability to open accounts elsewhere. 
XXXX. Take appropriate action to ensure banks are held accountable for transparent and fair treatment of consumers. 

I appreciate your assistance in this matter and look forward to your response.

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 2025-09-18 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-09-18 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: VA

Complaint narrative:
My credit report contains a bankruptcy entry that I believe may be inaccurate or can not be verified. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate and verifiable credit report. I am requesting a thorough review of this bankruptcy entry, and if it can not be substantiated, I ask that it be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX for reporting a fraudulent debt and damaging my credit. 
On or about XX/XX/year>, I discovered that XXXX XXXX XXXX was reporting an account ( Acct. XXXX ) to Experian and TransUnion as a collection item in the amount of {$770.00}. This debt is not mine. I have never had any financial relationship with XXXX XXXX XXXX or the alleged creditor. 
I immediately disputed the account directly with the credit bureaus and requested verification from XXXX XXXX XXXX. Despite these disputes, XXXX failed to provide any competent documentation or proof that this debt belongs to me. Instead, they have continued to report this unverified account, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 602, 611, and 623.

Because of this false reporting, my credit score has been damaged, I have been unfairly penalized, and I have suffered financial and reputational harm. XXXX refusal to remove or correct the fraudulent reporting appears to be an attempt to coerce me into paying a debt I do not owe, which I consider blackmail through credit reporting. 
Desired Resolution

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 2025-09-18 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-18 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: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A judgement was entered on XX/XX/XXXX and just this month XX/XX/XXXX I saw a garnishment on my wages. I was not informed that this was even in court. I called the attorneys representing Capital One and they stated that they served me, which in fact they didnt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CT

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 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