vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Date : [ Insert Todays Date ] Subject : Dispute of Inaccurate Credit Reporting Multiple XXXX Accounts Legal Reference : Fair Credit Reporting Act 15 U.S.C. 1681i & 1681s-2 To Whom It May Concern, I am writing to dispute inaccurate and misleading information listed on my Experian credit report regarding multiple XXXX XXXX XXXX XXXX ) accounts. This reporting appears to violate the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i which requires credit reporting agencies to conduct a reinvestigation of disputed information, and 15 U.S.C. 1681s-2 which prohibits the reporting of information known or believed to be inaccurate or unverifiable. 

Below are the specific XXXX accounts in question and the associated issues : 1. XXXX Account # XXXX Opened : XX/XX/XXXX Status : Charged off {$7700.00} ; {$3200.00} past due as of XX/XX/XXXX Issue : The account is being reported as both charged off and still past due. This dual status is contradictory. Once charged off, an account should not reflect a continuing past due balance. 



2. XXXX Account # XXXX Opened : XX/XX/XXXX Status : Charged off {$3100.00} ; {$450.00} past due as of XX/XX/XXXX Issue : Like the previous, this listing reflects an ongoing past due amount after the account was charged off, which misrepresents my financial obligation and status. 



3. XXXX Account # XXXX Opened : XX/XX/XXXX Status : Charged off {$4100.00} ; {$2300.00} past due as of XX/XX/XXXX Issue : This account contains inconsistent information suggesting it is both fully charged off and partially past due. Such reporting is misleading and fails to meet the accuracy standards outlined in the FCRA. 



These inconsistencies distort the true state of the accounts and could result in negative impacts on my creditworthiness. As a consumer, I am entitled to fair and accurate reporting under federal law. 

Requested Action : I respectfully request the following under FCRA 15 U.S.C. 1681i : 1. Reinvestigate each XXXX account listed above. 
2. Remove or correct all data found to be incomplete, inaccurate, or unverifiable.

3. Provide written confirmation of the results of your investigation, along with an updated copy of my credit report. 

Attached are documents verifying my identity and address for processing this request. 

Please consider this a formal dispute and complete your investigation within the 30-day period mandated by law. 

Sincerely, 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 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
In XXXX I traded in my vehicle and owed around {$1100.00}. I informed challange financial, seemed to be no issues as I was purchasing another vehicle from a Large Major dealership. 
Over the next few weeks, I received multiple phone calls about my payment. When it finally hit the 30 day late, I made a payment and sought the help of an attorney due to the dealership I had traded my vehcile in, appeared to have not taken care of the pay off. 
After dealing with XXXX and speaking to Challange Financial, the dealership showed me paperwork that the pay off had been basically sitting on someones desk since XX/XX/XXXX. 
Challange financial still kept denying this. Finally after enbough phone calls they cleared my account, but owed me a return of approximately {$350.00}. 
They told me it had been mailed, I waited two weeks, then was told it wasnt mailed, but could take up to 45 days. I still waited, could get no answer, Finally on XX/XX/year> I called and let them know, due to thier dishonest answers, I would file a CFPB complaint, they finally agreed to refund my money. 
I inquired as to what the issue is, reminded them I went through everything with an attorney to go after the dealership due to their lies, their answer, we are simply backed up, we had some changes. 
I have to assume, if they did this to me, they are doing it to multiple people and should be investigated, being backed up is no excuse to not follow rules, there are probably many people still waiting who do not know who to contact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Follow-Up Request for Clarification and Validation of Debt- Account Number : XXXX * * * * To Whom It May Concern : 1. Clarification of Inconsistent Language : Your response states that our client effectively writes off the charges to allow the account to be assigned to our office, but also claims that the debt has not been charged off. This appears to be a contradiction. Please clarify : - Whether the original creditor has charged off or written off this account in accordance with standard accounting or IRS practices.

- Whether a 1099-C form will or will not be issued now or in the future. 
- The ownership status of the debt : Does the original creditor still own the debt, or has it been sold or permanently assigned to your agency?

2. Request for Proof of Indirect Dispute : You indicated that your office received an indirect dispute regarding this account. I have no record of authorizing or submitting such a dispute. 
Please provide the following : - A full copy of the indirect dispute you received, including the source ( e.g., credit bureau ), date received, and the content of the dispute. 
- Documentation showing that I personally authorized or submitted that dispute. 
If this dispute was submitted by a third party or mistakenly attributed to me, I request written confirmation and a correction of your records.

3. Request for Proof of Authorization to Collect : As this account is allegedly still owned by the original creditor, I am requesting documentation that proves your legal right to collect on their behalf. Please provide : - A letter of assignment or authorization from the original creditor on their letterhead, including your companys name and the date of assignment.

- A copy of any agreement or contract that shows you are currently authorized to act as a collection agent for this specific account.

This is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, for full validation of the alleged debt. Until full validation and clarification are received, I dispute this debt and request that all collection efforts cease, including any reporting to credit bureaus. 
If you are unable to fully validate this alleged debt and provide the requested documentation, I request that you immediately cease all collection efforts and delete any related reporting from all consumer credit bureaus to which you have furnished information. This letter does not constitute an acknowledgment of the debt. Please respond promptly. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my FTC identity theft report ( FTC Report Number : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX : XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report any information that contains fraudulent data.

Several times I have contacted the credit bureau to report this fraudulent account, and the bureau has not provided a solution to this issue. I am being seriously affected, as this situation prevents me from acquiring a new home for my children. This account was already eliminated and not verified by other credit bureaus, so I do not understand why it is still being claimed that it belongs to me.

I have also requested the original contracts from the company reporting this account, and for more than 60 days, I have not received any response.

Please help me by immediately deleting this account from my credit report. I am attaching the FTC identity theft report, hoping that you will make a fair and appropriate decision in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is my second complaint submitted to the CFPB regarding this issue.I noticed an account from XXXX XXXX being reported on my credit file that does not belong to me. I immediately filed disputes with all three major credit bureaus : XXXX XXXX, and XXXX. XXXX  and XXXX  completed their investigations and removed the account from my credit report. However, XXXX continues to report the account, despite multiple disputes and no proof that the account is mine. I have requested documentation and a proper investigation from XXXX, but they have not provided any verification or removed the inaccurate account. This is now the second time Ive had to involve the CFPB to get this issue resolved. I believe XXXX is abusing its dominant market position, operating in a manner that resembles a monopoly. Consumers have no meaningful choice or alternatives, yet we are forced to rely on XXXX services, often without transparency or recourse. This lack of competition, combined with a pattern of noncompliance and disregard for legal obligations, results in real harm to consumers like myself.

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 2025-05-21 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: OH

Complaint narrative:
Im writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-21 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: TX

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Experian credit reporting agency block the following fraudulent entries from my consumer credit report within XXXX business days : A Chapter XXXX bankruptcy filed on XX/XX/XXXX under account number XXXX An auto loan account with XXXX opened on XX/XX/XXXX A personal loan account with Neighborhood Credit Union XXXX XXXX XX/XX/XXXX A personal loan account with Neighborhood Credit Union XXXX XXXX XX/XX/XXXX These items were not authorized by me and are all the result of identity theft. I have attached a copy of my consumer XXXX credit report documenting the fraudulent entries, as well as an FTC Identity Theft Report # ( private case number ) verifying that these accounts are not mine.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I closed my account with Citi Bank in XXXX of XXXX after paying off my account. There had apparently been some residual charges that they let through that I was unaware of because they locked me out of my online and app access immediately upon cancellation of my card. I never received a bill in the mail because I had signed up for paperless statements, but I dont use that email address anymore so I didnt see the charges. For the last XXXX  months theyve been charging me late fees, now I owe {$310.00} from a {$91.00} bill. I had an almost perfect XXXX XXXX and have never had a late payment in a XXXX  year credit history. I was with Citi for XXXX  years and was always current. Now I have a bad mark on my credit report and Citi wont reconcile it. I dont feel like they did enough to appropriately collect a debt from a cancelled account, but theyd rather let it go as long as possible before sending me to collections. This is predatory and unfair. Id like to file a civil suit against them over it but apparently Im supposed to go this route first.

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 2025-05-21 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:
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
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my credit report and saw NFCU was reporting inaccurate information. I called NFCU customer support and received a correspondence from Navy Federal Credit Union concerning my credit card account. The last recorded activity on this account occurred on XX/XX/XXXX, with an outstanding balance of {$340.00}. On XX/XX/XXXX the account was paid in full and a letter was emailed indicating that the account has been officially paid off and closed at the request of the cardholder. 

Key points to note include : Outstanding Balance : As of the last statement, the account reflected a balance of {$340.00} that is currently paid off in full.

Payment Record : There were no outstanding payments due at the time the account was closed. 

Action Taken : The cardholder initiated a request for the removal of NFCU from credit report. 

I appreciate your attention to these details as part of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified multiple accounts being reported with inaccurate, inconsistent, and unverifiable information across TransUnion, Experian, and Equifax. These accounts include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and multiple accounts from XXXX XXXX Specific inconsistencies include mismatched dates of last activity, conflicting high credit and credit limit amounts, re-aged accounts, and incomplete payment histories. 

On XX/XX/year>, I submitted a formal written dispute to TransUnion requesting a full reinvestigation under FCRA 1681i, and cited multiple violations of FCRA 1681e ( b ) and 1681s-2. I specifically requested : The original signed contract or agreement Consecutive billing statements or itemized account history Proof of account ownership and balance validation A clear explanation for the inconsistencies between bureaus I also requested correction of my personal information, including my current address, which remains incorrect despite repeated notifications. 

TransUnion did not provide any of the requested documentation or address the specific inaccuracies. Instead, they responded by merely marking the accounts as " verified '' without proof, which does not satisfy the requirements of a lawful reinvestigation under federal law. 

As a result, I filed this complaint and have also submitted a report to the FTC. I am requesting that all unverifiable and inconsistent accounts be removed from my credit report, and that TransUnion be held accountable for their noncompliance with the Fair Credit Reporting Act.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and the attached list includes items I did not authorize or apply for.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these unauthorized items. Ive also included my FTC Identity Theft Report for reference.

Please confirm in writing once the corrections have been made. Thank you for your prompt attention.

Company response to consumer: Closed with explanation