vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AL

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 " XXXX XXXX CT AL XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that XXXX 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 : XXXX. XXXX. 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 XXXX, 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 2025-08-06 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: SC

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXXXXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX XXXX  Date : 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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received an initial debt collection notice from Columbia Debt Recovery LLC ( Genesis ) on XX/XX/year>. On XX/XX/XXXX, I timely sent a certified written request for validation of the debt under the FDCPA. The collector failed to respond within the required time. Instead, they ignored my letter and only acknowledged it after I filed a complaint with the CFPB.

According to the law, debt collectors are required to cease collection efforts until proper validation is provided. They did not comply. They deliberately delayed accepting my certified letter until XX/XX/year> nearly two months later and continued pursuing the alleged debt despite not validating it. This is a violation of the FDCPA.

The collectors failure to respond to my lawful request within the required timeframe is not only unlawful but constitutes willful negligence. Any reporting of this debt to the credit bureaus would be a further violation of the FCRA.

I dispute the debt, and I have the right to be free from illegal collection efforts when collectors fail to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have found late payment entries on my credit report that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. Therefore, I am requesting that these late payment entries be verified, and if they can not be validated, they should be corrected or 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-06 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-06 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: MD

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unlawful credit reporting practices by XXXX XXXX in relation to the above-referenced account. This account is currently being reported as charged-off and past due, which I strongly dispute as inaccurate, unverifiable, incomplete, and in violation of multiple federal consumer protection laws. 

Despite submitting prior disputes to the credit reporting agencies and requesting verification under federal law, no documentation or lawful validation has been provided by XXXX XXXX to support the continued reporting of this derogatory information. 

Violations Cited FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate and Verify I requested that the bureaus and XXXX XXXX verify the accuracy and completeness of this account. No verifiable documentation or original signed contract was provided. If the information can not be verified, it must be deleted from my credit report. 

FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) Furnisher Duties After Dispute Upon receipt of my dispute, XXXX XXXX was obligated to conduct a reasonable investigation and report the results to the credit bureaus. Failure to verify this data with proper records constitutes a willful or negligent violation of this statute. 

FCRA 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) Obsolete Information If the date of first delinquency on this account occurred over 7 years ago ( and it appears it may have, or is approaching that threshold ), it must be removed immediately from my credit file. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) Lack of Validation If XXXX XXXX has involved any third-party collector, they are required to provide full debt validation upon request before any further reporting. This has not been done. 

Fair Credit Billing Act ( FCBA ) This act requires creditors to properly investigate and resolve billing disputes. Failure to do so and continuing to report disputed charges violates my rights under the FCBA. 

Violation of XXXX XXXX Reporting Guidelines The manner in which this account is being reported appears to violate XXXX XXXX standards, which are required for accurate and complete data furnishing. The payment history, charge-off status, and account closure remarks are inconsistent and misleading.

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 2025-08-06 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: MD

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unlawful credit reporting practices by XXXX XXXX in relation to the above-referenced account. This account is currently being reported as charged-off and past due, which I strongly dispute as inaccurate, unverifiable, incomplete, and in violation of multiple federal consumer protection laws. 

Despite submitting prior disputes to the credit reporting agencies and requesting verification under federal law, no documentation or lawful validation has been provided by XXXX XXXX to support the continued reporting of this derogatory information. 

Violations Cited FCRA 611 ( 15 U.S.C. 1681i ) Failure to Reinvestigate and Verify I requested that the bureaus and XXXX XXXX verify the accuracy and completeness of this account. No verifiable documentation or original signed contract was provided. If the information can not be verified, it must be deleted from my credit report. 

FCRA 623 ( 15 U.S.C. 1681s-2 ( b ) ) Furnisher Duties After Dispute Upon receipt of my dispute, XXXX XXXX was obligated to conduct a reasonable investigation and report the results to the credit bureaus. Failure to verify this data with proper records constitutes a willful or negligent violation of this statute. 

FCRA 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) Obsolete Information If the date of first delinquency on this account occurred over 7 years ago ( and it appears it may have, or is approaching that threshold ), it must be removed immediately from my credit file. 

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) Lack of Validation If XXXX XXXX has involved any third-party collector, they are required to provide full debt validation upon request before any further reporting. This has not been done. 

Fair Credit Billing Act ( FCBA ) This act requires creditors to properly investigate and resolve billing disputes. Failure to do so and continuing to report disputed charges violates my rights under the FCBA. 

Violation of XXXX XXXX Reporting Guidelines The manner in which this account is being reported appears to violate XXXX XXXX standards, which are required for accurate and complete data furnishing. The payment history, charge-off status, and account closure remarks are inconsistent and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: DISCOVER BANK
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with DISCOVER BANK or any of the affiliates. I have confirmed and advised DISCOVER BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how DISCOVER BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that DISCOVER BANK has the right to investigate and obtain all necessary information prior to approving any credits, DISCOVER BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, DISCOVER BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that DISCOVER BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to DISCOVER BANK 's online advertisement, DISCOVER BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from DISCOVER BANK stating that my information was used or attempted to be used in order to open an account. Thus, DISCOVER BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, DISCOVER BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for DISCOVER BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
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, CHALLENGED OR NOT.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Trying to get rid of all old accounts that should be removed and an updated credit report and I am having the most difficult time with Experian and Equifax. Need a complete clean up of all old files with a new updated credit report and credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries appear on my credit report and are unauthorized : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXXXXXX 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 2025-08-06 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: FL

Complaint narrative:
I did not initiate these inquiries and believe they may be fraudulent. I request a full investigation and their prompt removal from my credit report. The necessary supporting documents are attached for your review.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the status of two accounts previously held with XXXX, which were fully paid off two months ago. Despite payment in full, both accounts continue to be reported as negative on my credit report.

I received an email from the third-party collection agency affiliated with XXXX ( please see the attached document ) confirming that the accounts were resolved. However, the status on my credit report has not been updated to reflect that the balances have been paid in full. 

I contacted XXXX directly and was informed that they would not be removing the negative marks from my credit report. I find this decision to be unfair and inconsistent with the resolution notice provided by the collection agency.

Given that I have fulfilled my financial obligations in full and have supporting documentation confirming resolution, I am respectfully requesting that the credit reporting be updated to accurately reflect the paid status of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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