vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XX/XX/2024 Columbia debt recovery LLC DBA GENESIS appeared on my credit report and I was confused at what it was. I realized that ive been a victim of Identity theft it was a collection from somewhere ive never been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-21 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-08-21 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CA

Complaint narrative:
I had a {$200.00} secured credit card through First Latitude. I requested my account to be closed and my {$200.00} deposit to be refunded. That was on XX/XX/XXXX. I have not received my refund and every time I call I get a different answer. Tonight 's answer was they never received my request to close the account which isn't true because on XX/XX/XXXX, my balance shows a negative {$200.00} which shows they have received my requests and are processing it. It says collateral charge. 

I'm just trying to get my {$200.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
There are some items on my credit report that do not belong to me and are the result of identity theft I would like these items removed immediately

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 2025-08-21 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: MI

Complaint narrative:
There are some items on my credit report that do not belong to me and are the result of identity theft I would like these items removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Phone Number ] [ Email Address ] Date : XX/XX/2025 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unexplained {$60.00} XXXX Mortgage Line of Credit No Transaction History Available To Whom It May Concern, I am writing to formally file a complaint and request an urgent investigation into a longstanding issue with a mortgage line of credit that has severely impacted my financial life. 

Approximately XXXX years ago, a mortgage line of credit in the amount of {$60.00} XXXX was opened in my name. However, there has never been any clear documentation, transaction history, or traceable record indicating when or how those funds were withdrawn, spent, or disbursed. Despite multiple attempts to retrieve this information from the mortgage servicer and financial institutions involved, I have not received any adequate explanation, statements, wire transfer records, or documentation reflecting usage of the funds. 

This unknown debt continues to reflect on my credit and has limited my ability to access new credit, refinance, or pursue personal financial goals. I believe this situation raises serious concerns about transparency, recordkeeping, and possibly even fraud. 

I respectfully request that the CFPB assist in investigating this matter and help ensure I receive a full transaction history and clarification on how these funds were utilized, if at all. Additionally, I seek guidance on how to dispute this balance if no valid proof of fund usage can be provided. 

Please advise on the next steps and whether additional documentation is required from my side. 

Thank you for your time, consideration, and assistance in resolving this matter. 

Sincerely, 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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Subject : Improper Collection Reporting Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) To the Consumer Financial Protection Bureau, I am submitting this complaint regarding the inaccurate and unlawful reporting of a collection account on my credit report. 

The furnisher and credit reporting agencies are in violation of multiple provisions of federal law : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The reported collection contains inaccurate and unverifiable information, which violates this requirement.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer disputes information, the credit reporting agency must conduct a reasonable reinvestigation. The agencies have failed to provide me with documented proof that this account is accurate and verifiable.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted from the consumers file. Since the furnisher has not provided competent evidence of validity, the account must be removed.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection until it provides proper validation of the alleged debt. The collector has failed to produce a signed contract, itemized accounting, or any admissible evidence proving this debt is mine. Reporting an unvalidated debt to the credit bureaus constitutes continued collection activity, which is a direct violation.

Under 15 U.S.C. 1692e ( 8 ), a debt collector may not communicate or threaten to communicate credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The collection agency continues to report this disputed debt without proper notation or supporting evidence.

Requested Resolution : Immediate deletion of this unverified and inaccurate collection account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX  ). 

Confirmation in writing that the account has been permanently removed in compliance with FCRA 1681i ( a ) ( 5 ) ( A ).

Assurance that the debt collector ceases all further collection activity until full validation is provided, as required by FDCPA 1692g ( b ). 


I request the CFPB to investigate this matter and compel the furnisher and reporting agencies to comply with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I disputed XXXX debt collections on my credit report. 

-Midland Credit Management inc {$270.00} reported on XX/XX/XXXX Disputed ownership, accuracy, and requested debt validation letter and original wet ink signed contract. Company did not send requested information to me to verify alleged debt. 

XXXX XXXX XXXX {$620.00} OPEN BALANCE XX/XX/XXXX Disputed ownership, accuracy, and requested debt validation letter and original wet ink signed contract. Company did not send requested information to me to verify alleged debt. 

XXXX XXXX XXXX  ( Duplicate alleged debt ) {$950.00} open balance XX/XX/XXXX Disputed ownership, accuracy, and requested debt validation letter and original wet ink signed contract. Company did not send requested information to me to verify alleged debt. 

XXXX XXXX XXXX {$620.00} OPEN BALANCE XX/XX/XXXX Disputed ownership, accuracy, and requested debt validation letter and original wet ink signed contract. Company did not send requested information to me to verify alleged debt. 

NONE OF THESE ALLEGED DEBTS HAVE BEEN VERIFIED WITH ANY DEBT VALIDATION LETTERS, ORIGINAL CONTRACTS CONTAING MY AUTHORIZATION, AUTHORIZATION TO COLLECT ALLEGED DEBT, OR how much the collection agency purchased alleged debt for. The ownership and accuracy of all information has not been verified with physical documented proof that any of these alleged debts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-08-20 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This credit bureau is reporting inaccurate and outdated personal information on my credit file. This includes old addresses, name variations, and other identifying details that do not belong to me or are no longer accurate.

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 2025-08-21 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: SLM CORPORATION
State: OH

Complaint narrative:
This account is beyond the allowable XXXX reporting period under FCRA 605 ( a ). The first delinquency occurred XX/XX/year>, making this account obsolete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MA

Complaint narrative:
Dear Cfpb ; XXXX Credit Bureaus : In XX/XX/XXXX, while applying for a mortgage, I discovered an alleged XXXX XXXX account ( Acct # XXXX ) on my credit report. It is reported as opened XX/XX/XXXX, last active XX/XX/XXXX, with a {$2700.00} credit limit and a current balance of {$590.00}, showing multiple late notations and charged-off status as of XX/XX/XXXX. I want to make it clear that I never applied for, never opened, and have never used or purchased anything from XXXX or with any XXXX XXXX  credit card. XXXX XXXX XXXX XXXX can not locate this account in their system. Despite this, XXXX, Equifax, and XXXX  continue to report the account, violating FCRA 1681e ( b ) ( maximum accuracy ) and 1681i ( a ) ( failure to reinvestigate ). Furnishing false derogatory data also violates FCRA 623 ( a ) ( 1 ) ( A ). I have attached my FTC Identity Theft Affidavit, and The continued reporting of this fraudulent and unverifiable account has materially harmed my credit and resulted in denial of a mortgage loan. I demand permanent deletion of this tradeline from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld Systems is reporting a collection account on my XXXX  credit report that is inaccurate and/or unverifiable. I have not received proper validation of this debt, nor have they demonstrated legal chain of custody or ownership. Despite my dispute with the credit reporting agency, Transworld Systems continues to furnish this information without providing documentation. This is a violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ). The continued reporting of unverified information is damaging my creditworthiness and causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
I am not associated with these accounts ; remove them within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief