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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
2. CFPB COMPLAINT DRAFT Subject : Complaint Against Equifax and Multiple Furnishers for Violating the FCRA Summary : My Equifax credit report dated XX/XX/year> contains multiple inaccurate, outdated, inconsistent, and unverifiable entries. I have disputed these items with Equifax and the furnishers as required by law. 

Details : Equifax Violations : Missing required sections ( inquiries, collections, public records ) Accepted contradictory and incomplete data from furnishers Reporting outdated derogatory information Not maintaining maximum possible accuracy ( FCRA 607 ( b ) ) Furnisher Violations : Denefits LLC : 4+ years of impossible 180-day delinquencies XXXX : Contradictory delinquency + pays as agreed, inconsistent coding XXXX XXXX : Inconsistent credit limits, incomplete payment history XXXX  XXXX XXXX : Conflicting credit limits and missing history Requested Resolution : Delete unverifiable or inaccurate data Provide full verification documentation Correct incomplete sections of my credit file Ensure compliance with FCRA 602A, 607 ( b ), 609 ( a ), 611 ( a ), 623 ( 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i am sending a dispute to all 3 cras, equifax, transunion, and experian for method of reinvestigation of inaccurate information for personal information, unauthorized inquiries, and inaccurate accounts to be deleted from all credit reports.

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: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I am filing a complaint against Columbia Debt Recovery ( XXXX ) regarding an apartment lease that I never occupied and a debt that was placed on my credit without my authorization, notice, or proper validation. 

I signed a lease for an apartment that was not safe or habitable. Major repairs were not completed, and the floors in both the master bedroom and my childrens room were ripped up. Because of that, I could not move any of my belongings into the unit. After I signed the first lease, I was notified that I would need XXXX XXXX, and as a XXXX veteran, I informed the property that I required a first-floor unit. The assigned apartment was XXXX levels with the master bedroom upstairs, which I could not access. Due to the unsafe conditions and my medical limitations, I never moved into the apartment. 

The property required me to sign the lease twice due to inaccuracies, and I was never provided complete copies of any documents I signed. I did not authorize any transfer of a balance to a collection agency and was never notified that a transfer occurred. 

Months later, while calling XXXX to verify an account related to my husband, their representative unexpectedly found an account under my namesomething I had no knowledge of. They first claimed I did not owe anything, and then out of nowhere they called back, became aggressive, and attempted to collect. I have never received any written notice, validation, or documentation regarding this alleged debt. They also keep damaging my credit my increasing the amount every month. 

This violates multiple consumer protection laws, including : FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ) failure to send a written Notice of Debt within 5 days FDCPA 807 ( 15 U.S.C. 1692e ) false, misleading, and inconsistent representations FDCPA 805 harassment and abusive conduct FCRA 623 ( a ) ( 3 ) furnishing disputed or inaccurate information without proper investigation FCRA 604 no permissible purpose to access, report, or furnish data on an invalid debt I never owed I am requesting : Immediate deletion of this inaccurate account from all credit bureaus. 

A full investigation into Columbia Debt Recoverys handling of my personal information.

Proof of how my alleged account was created, transferred, or reported without notice, authorization, or debt validation. 

I never occupied the unit, I was not given proper notice, and these reporting and collection actions are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CO

Complaint narrative:
Debt collection agency was aggressive and extremely rude when they made the first phone call trying to get me to pay the {$1800.00}. They said Ive owed this amount of money since XXXX  and they didnt to contact me until XXXX. When I tried to ask the agent what the amount I owed was for, he was super rude and said I should know why I owed that money. I had no idea I owed anything until 4 years later. I havent done anything about because they never told me why I owe money and I dont even know how I can dispute it.

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 company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: NV

Complaint narrative:
I previously submitted a written dispute to SELF FINANCIAL/LEAD dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), SELF FINANCIAL/LEAD verify, or correct the information within the required XXXX ( XXXX ) days. 
Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. 
Since SELF FINANCIAL/LEAD did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure SELF FINANCIAL/LEADs immediate compliance with FCRA requirements SELF FINANCIAL/LEAD BA XXXX & SELF FINANCIAL/LEAD BA XXXX

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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report carefully, I have identified several errors involving both personal identifying information and the reporting of my accounts that must be corrected or updated in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These errors continue to misrepresent my credit history and create a misleading impression of my financial behavior, which can adversely affect my ability to obtain credit under fair and accurate terms. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} Date of Last Activity : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXXXXXX  late 30 days XXXX XXXX  60 days XXXX XXXX 90 days XX/XX/XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Date of Last Activity : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this letter as my second formal dispute regarding multiple inaccuracies appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report carefully, I have identified several errors involving both personal identifying information and the reporting of my accounts that must be corrected or updated in accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). These errors continue to misrepresent my credit history and create a misleading impression of my financial behavior, which can adversely affect my ability to obtain credit under fair and accurate terms. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} Date of Last Activity : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXXXXXX  late 30 days XXXX XXXX  60 days XXXX XXXX 90 days XX/XX/XXXXXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} Date of Last Activity : XX/XX/XXXXXXXX  Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3500.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : XX/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 reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a formal complaint against TransUnion because my credit report contains multiple inaccurate and incomplete accounts that remain despite my written dispute. 

These include : XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1800.00} ) The student loan accounts contain missing months, inconsistent codes, and unverifiable late statuses. The XXXX XXXX XXXX account has no contract, billing history, or proof of assignment. 

Under FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), TransUnion must conduct a reasonable reinvestigation. I request permanent deletion of any unverifiable information. 

My dispute letter and supporting documents are attached.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please block and remove these fraud accounts on my credit report

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: EQUIFAX, 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
inaccurate information that appears on my credit report. The report indicates that I was 90 days late on my student loan payments, which is incorrect. My student loan account has been in approved deferment, and therefore no payments were due during the period in question. 
Because the account was deferred, it should not reflect any late payments or delinquencies. I respectfully request that this error be investigated and corrected as soon as possible. Please update my credit file to remove the incorrect late payment notation and provide written confirmation once the correction has been made.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
inaccurate information that appears on my credit report. The report indicates that I was 90 days late on my student loan payments, which is incorrect. My student loan account has been in approved deferment, and therefore no payments were due during the period in question. 
Because the account was deferred, it should not reflect any late payments or delinquencies. I respectfully request that this error be investigated and corrected as soon as possible. Please update my credit file to remove the incorrect late payment notation and provide written confirmation once the correction has been made.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting a negative account from XXXX XXXX  that is inaccurate, unverifiable, and incomplete. This account appears only on my TransUnion file and is not reported by XXXX  or XXXX, which indicates inconsistency and a failure to ensure maximum possible accuracy as required under FCRA 607 ( b ). TransUnion is reporting repeated 30-day late payments for several consecutive months without providing the legally required date of first delinquency under FCRA 623 ( a ) ( 5 ), and without any supporting documentation or validation showing that this is a legitimate credit account. XXXX XXXX is listed as a rental agreement, which is not a traditional credit line, yet TransUnion is reporting it as a revolving tradeline with late payments, which misrepresents the nature of the account. I am requesting that the CFPB intervene, require TransUnion to provide full documentation used to verify this account under FCRA 609 ( a ), and remove this account immediately if they can not substantiate it with proper evidence.

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