vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttorney General'

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 2025-11-27 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report with the following credit bureaus : Equifax ( EQ ), The details of the accounts I am disputing are listed below. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX XXXX and Columbia Debt Recovery are reporting an account under my name that I did not authorize, did not sign for, and did not reside at the address associated with the account. I have never entered into any agreement, contract, lease, or financial arrangement with XXXX XXXX, nor did I provide consent for any charges or obligations connected to that property or account. 
The company has failed to provide : A signed contract or agreement showing my authorization, Proof that I lived at or was connected to the reported address, Any itemized account history or validation supporting the alleged balance, Evidence of permissible purpose to report this account to the credit bureaus. 
Because I did not sign any contract and have never lived at the address tied to this account, the reporting is false, misleading, and causing harm to my credit. I am requesting that this account be thoroughly investigated and removed from my credit reports if the company can not provide legitimate verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with XXXX XXXX Code XXXX and Other FCRA Provisions I am writing to you as the holder of account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for my, auto loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of XXXX5 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my, auto loan, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/year>, XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company purchased a debt that I never gave consent to do so in which I have been XXXX  since XXXX  furthermore I sent a cease and disist in which they continue to put negative information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-27 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains inaccurate late payment notations for the account XXXX XXXX with account number XXXX which do not accurately reflect my payment history. 
Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.

o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms.

2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.

o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

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 2025-11-27 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: MA

Complaint narrative:
Could you verify this entry for mistakes? It seems late and possibly flawed.

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 2025-11-27 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: NJ

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within XXXX  days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XXXX Account Number : XXXX * * * * Balance : {$210.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
The reported item misstates my financial practices. Please evaluate the data and update it to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I am disputing the following information as either inaccurate or unverifiable. Please investigate and correct or delete any items that can not be verified. 

Disputed Accounts ( Charged Off ) : [ No charged-off accounts listed under TransUnion in your data. If you see any on your report, please list them here. ] Disputed Inquiries : XXXX XX/XX/year> I do not recognize this inquiry and did not authorize it.

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 2025-11-27 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies present on my credit report from the XXXX credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( TU ). Below, I have separated the accounts in dispute for each bureau. 

Charged Off Accounts : XXXX  XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX  - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  - Account # XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account # XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$1900.00} Bankruptcy - Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payment Accounts : XXXX XXXX XXXX Account # XXXX XXXX  - Account # XXXX XXXX - Account # 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am disputing the following accounts and inquiries on my Experian credit report. I request a full investigation to verify the accuracy of the information : Charged-Off Accounts : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX Date : 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 2025-11-27 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 hold no claim to these accounts ; they must be taken off within 15 days pursuant to USC 1681g.

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 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute and request the removal of a fraudulent XXXX account that is incorrectly appearing on my credit report. 

Creditor : XXXX Reported Balance : {$280.00} Account Status : Closed Closed Date : XX/XX/year> Last Reported : XX/XX/year> This account was closed by XXXX due to fraud, and I was not responsible for opening or managing this account. Since XXXX has already confirmed it was fraud-related, this account should not be reported on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA 605B ), I am requesting the credit bureau to : 1. Block and remove this fraudulent XXXX account from my credit report XXXX. Stop reporting the balance or payment history XXXX. Notify XXXX of the fraud dispute and removal This account is negatively affecting my credit, and it is not mine. Please complete the reinvestigation and provide written confirmation once the account has been removed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
The following accounts on my Equifax report appear inconsistent or unverifiable : Charged-Off Accounts ( Disputed ) XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Account No. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} Each of these accounts is reported with discrepancies compared to other bureaus or shows as charged off without proper validation. Please investigate, verify accuracy, and delete if unverifiable. 

Inquiries ( Unverified or Unauthorized ) XXXX Date : XX/XX/XXXX This inquiry does not match my known applications. Please confirm authorization or remove. 

Positive Accounts ( Accurate, to remain ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief