vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I am submitting this complaint to formally request the removal of certain accounts, inquiries, and charge-offs from my credit report under the Fair Credit Reporting Act ( FCRA ), as they have been incorrectly reported. 
Upon reviewing my credit reports, I found several inaccuracies that I believe are in violation of my rights under the FCRA, specifically under FCRA 607 ( b ), FCRA 611 ( a ), and FCRA 623 ( a ), which state that credit reporting agencies are required to maintain accurate records and correct or remove information that is incomplete, erroneous, or unverifiable.

There are several charge-offs reported under my name, which are inaccurately recorded across Experian, Equifax, and TransUnion. These charge-offs were forgiven by the creditor and should have been reported as " cancelled debt '' on my credit report, accompanied by a 1099-C form, which was not done.Specifically, there is a XXXX XXXX XXXX charge-off , with a balance of {$6300.00}, listed under Experian and TransUnion, and another XXXX XXXX XXXXXXXX entry for {$2000.00} , also listed under Experian and TransUnion, that should both be removed. Additionally, there is a XXXX  charge-off for {$1400.00} reported on Experian and TransUnion, and a third XXXX XXXX XXXXXXXX entry for {$1500.00}, which is reported on both Experian and TransUnion, all of which are incorrectly listed. Furthermore, the XXXX XXXX with a balance of {$11000.00} is listed under Experian, Equifax, and TransUnion, yet this account is not mine, and should also be removed. Lastly, two XXXX entries both with balances of {$19000.00} and {$2900.00} are incorrectly reported under Experian, Equifax, and TransUnion and must be deleted.Under FCRA 605 ( c ), creditors are required to report debt that has been forgiven as cancelled in the same manner as they report the original debt. Since these accounts have been charged off and 1099-C forms should have been issued to reflect this cancellation, I request the immediate removal of these items from my credit report.In addition, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XXXX which is listed under Experian. This inquiry was never authorized and therefore violates FCRA 604. As such, it must be removed immediately, as it was not the result of a legitimate credit application or transaction.These inaccuracies violate my rights under the FCRA and must be remove.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
There are two accounts reporting to my credit report as XXXX XXXX stated years ago on the phone to remove those account as they are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies present on my credit report as reported by Experian, Equifax, and TransUnion. Specifically, I dispute several incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, listed on my Experian report for XX/XX/XXXX, and XXXX XXXX XXXX, XXXX, XXXX  XXXX, listed on my Experian report for XX/XX/XXXX. These addresses are not mine and should be removed in accordance with FCRA 605 ( a ), which mandates the removal of obsolete or inaccurate information. Additionally, there are multiple late-closed accounts with {$0.00} balances, including XXXX ( XXXX ), that should not appear on my report as they are either closed or inactive, violating FCRA 607 ( b ), which requires maximum accuracy in reporting. Furthermore, I dispute charge-offs reported across all three bureaus, including XXXX XXXX XXXX with a {$0.00} balance and XXXX XXXX with a {$260.00} balance. The charge-off for XXXX XXXX XXXX ( XXXXXXXX XXXX ) with a {$13000.00} balance also appears inaccurately and should be removed under 1099-C guidelines, as this account is not accurately reported. FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report accurate information, and these accounts do not meet that standard. Moreover, I have found inaccurate collection accounts, such as XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), and XXXX XXXX ( XXXX ), with incorrect balances across the bureaus. These errors violate FCRA 611 ( a ) and 623 ( b ), which mandate that credit reporting agencies conduct a reasonable investigation and remove inaccuracies. I also dispute several inquiries, including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and others , as they were made without permissible purposes, violating FCRA 604 ( a ).

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 2025-11-26 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: TX

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and XXXX  health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I am filing a complaint against Credence Resource Management regarding an XXXX XXXX XXXX collection account that is being reported without proper validation.

Credence has not provided : A signed contract or service agreement A full itemized billing history Proof of assignment or ownership Verification that I owe the amount reported Documentation matching the reported balance Under FDCPA 809 ( b ), they must cease collection and reporting until full validation is provided. Under FCRA 623 ( a ) ( 1 ) ( A ), they may not furnish information they know or should know is inaccurate.

I submitted a formal debt validation and cease reporting request. No proper validation has been provided, yet Credence continues reporting the collection to TransUnion.

I am requesting that the CFPB : Require Credence to provide full FDCPA-compliant validation Or remove the collection account if they can not validate Confirm that Credence stops reporting unverified information Ensure TransUnion deletes the account if proof can not be supplied My dispute/validation letter is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 
4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
5. Legal Precedent XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this complaint to address inaccurate reporting on my credit reports from TransUnion, Experian, and Equifax concerning an account with XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX  ; balance {$160.00} ; date opened between XXXX XXXX XXXX ; last payments made between XXXX XXXX XXXX XXXX XXXX XXXX, which is incorrectly reported as 60 days late. I have consistently made timely payments as documented in my attached statements and payment confirmations. Despite my efforts to dispute these errors directly with each credit bureau, the account continues to reflect inaccurate late payments, negatively affecting my creditworthiness and causing undue stress. Under FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), and 15 U.S.C. 1666 and 1666a, I am entitled to have my credit reports corrected and updated to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Debt Validation Request FDCPA 15 USC 1692g Sec. 809 To Whom It May Concern, I am writing to formally dispute and request full validation of the alleged debt your company is reporting.

This communication is being provided pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809.

Based on my credit report, you are reporting the following account : Creditor/Collection Agency : Midland Credit Management Original Creditor : XXXX XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Reported : {$11000.00} Date Opened : XX/XX/XXXX ( XXXX  )/ XX/XX/XXXX ( XXXX  ) Last Reported : XX/XX/XXXX Comments : Placed for collection This alleged account is causing serious harm to my credit profile. Therefore, I request the following documentation : 1. A copy of the original signed contract or agreement bearing my signature.

2. A complete itemized breakdown of the amount you claim is owed.

3. A copy of the last billing statement from the original creditor.

4. Proof of the amount owed at the time of transfer and any additional fees added.

5. Full details of the original creditor, including address and original account number.

6. Proof that Midland Credit Management has the legal authority to collect this debt.

7. Proof of your collection license for the State of Florida, including licensing entity.

8. Confirmation of the statute of limitations for this alleged account.

Under the FDCPA and Fair Credit Reporting Act ( FCRA ), unverifiable debts must be removed from all credit reports.

If you can not provide full validation, I am demanding immediate deletion of this account from all consumer reporting agencies. If I do not receive proper validation within the legally required timeframe, I will file complaints with the Federal Trade Commission ( FTC ), and the Florida Attorney General.

I will also consider civil action for damages under FDCPA and FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : Formal Debt Validation Request FDCPA ( 15 USC 1692g Sec. 809 ) To Whom It May Concern, I am writing regarding an alleged debt your company is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I dispute this debt in its entirety and request full validation. Until proper validation is provided, you must cease all collection activity, including reporting to any credit bureau. 
According to my credit reports, CDR Genesis is reporting the following account : Collection Agency : CDR Genesis Original Creditor : 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  Balance : {$15000.00} High Credit : {$13000.00} Account Status : Collection / Chargeoff Comments : Placed for collection Last Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  As required under federal law, I request the following documentation : 1. Proof that I am responsible for this debt : - A copy of the original signed contract or agreement with XXXX XXXXXXXX XXXX XXXXXXXX - Documentation connecting my personal information to this alleged debt 2. Complete itemized breakdown of the balance : - Original amount owed - Itemization of all fees, charges, and interest applied - Explanation of how the balance reached {$15000.00} 3. Documentation from the original creditor : - Full original account number - Last billing statement before transfer - Amount owed at the time the debt was assigned 4. Proof CDR Genesis has legal authority to collect : - Assignment or transfer documentation - Date of transfer - Proof of legal right to collect in my state 5. Proof of your debt collection license : - License number - Issuing regulatory agency 6. Additional compliance information : - Date the alleged debt became delinquent - Original due date - Whether the debt is within statute of limitations Under the FDCPA, you must stop all collection activities until full validation is provided. 
Attempting to collect or report an unvalidated debt is a violation of federal law. 
If you can not validate the alleged debt, you must delete the account from all credit bureaus and provide written confirmation of deletion. 
Failure to validate within the legally required timeframe will result in formal complaints being filed with the FTC, Attorney General, and other regulatory agencies.

I may also pursue civil action for violations of FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: M&T BANK CORPORATION
State: CA

Complaint narrative:
Our home was destroyed by the federally declared disaster ( XXXX XXXX and Straight Line Winds XXXX ). We were put on forbearance for the natural disaster in the beginning of XXXX, our loan was bought out by M & T mortgage company around the XXXX timeframe. M & T took us out of our natural disaster forbearance which we did not approve nor did we get a reason. Without or knowing they reported to the credit agencies dropping our credit by almost XXXX points. We are supposed to be protected by XXXX XXXX in California, giving us 12 months of forbearance. M & T customer support has not been helpful or taken our issue serious, even after weve escalated the issue. They are telling us conflicting stories, all calls between us should be recorded and will show that they are negligent.

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 2025-11-26 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Issue : Merchant did not provide the service I paid for. Credit card issuer ruled incorrectly in merchants favor despite clear evidence of service non-fulfillment. 

Complaint : I booked a hotel through XXXX for XX/XX/year> at the XXXX XXXX. When I called that afternoon to see about check in the hotel informed me that they were overbooked and had no available room for me. I was assured they would issue a refund. 

Because XXXX failed to secure the room I paid for, I was forced to book another hotel 48 minutes away at additional personal expense.i have proof that I ended up staying 51 miles away at the XXXX  XXXX by XXXX in XXXX KS that night instead I contacted XXXX multiple times by phone and chat. XXXX acknowledged the overbooking but refused to provide a refund or assist in resolving the issue. I also contacted the hotel directly several times, but they could not help because the reservation was made through XXXX. 

Since I paid using my Goldman Sachs Apple Card, I opened a dispute for services not provided. Despite clear evidence that ( 1 ) the hotel could not provide the room, and ( 2 ) XXXX refused to issue a refund, Goldman Sachs ruled in favor of XXXX and kept the charge in place. 

The merchant did not provide the service I paid for. The hotel did not provide a room, and XXXX refused to refund me or offer a resolution. I was left without lodging and had to incur additional costs. 

I am requesting the CFPB to review this situation, as both the merchant and the card issuer failed to acknowledge that the paid-for service was never delivered.

Company response to consumer: Closed with explanation