vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I have no knowledge of this account, I dont know what this debt is about or what this amount of {$1000.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Marlette Funding, LLC
State: AL

Complaint narrative:
I disputed inaccurate information reporting on my credit file. The furnisher and the credit bureaus failed to correct multiple clear errors after the investigation. The account continues to report inaccurate derogatory information and incorrect identifying information. 

The furnisher did not provide verification, documentation, or any evidence demonstrating how they verified the information under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ). I specifically requested the method of verification, the actual records used, and evidence of the alleged late payment, but nothing was provided.

There are also personal data inaccuracies ( wrong addresses and mixed-file indicators ) that violate FCRA 607 ( b ) and create a reasonable risk of identity confusion. The bureaus who published these errors have also had prior data breaches, which increases their responsibility to ensure accuracy, and they have not met that obligation. 

The investigation results did not correct the inaccurate reporting, and no documentary evidence supporting the furnishers claims was produced. The continued reporting of unverifiable, inaccurate information constitutes willful and negligent noncompliance under FCRA 616 and 617.

I am requesting that the CFPB require the furnisher and the bureaus to either ( 1 ) produce the full verification records and documentation validating every element of this account, or ( 2 ) delete the account entirely for failure to comply with FCRA accuracy and reinvestigation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: AZ

Complaint narrative:
I am filling this compliant because XXXX  is reporting an eviction on my credit report that does NOT belong to me. This is a case of mixed-file or mistaken identity. I have disputed this item multiple times with XXXX  under FCRA 611, and XXXX  continues to verify information that is inaccurate. 

The eviction in question is : Columbia Debt Recovery c/o Enclave At XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Date XX/XX/year> Collection type {$5900.00} account # XXXX Despite my disputes, TransUnion has failed to conduct a reasonable reinvestigations required by FCRA611 ( a ). They have not provided the Method of Verification, nor have they provided any documentation that ties this eviction to me. I have no record of this eviction, I was never a tenant at the property, and this information clearly belongs to someone else. TransUnion is violating the following FCRA requirements : 1. FCRA 607 ( b ) Failure to maintain maximum possible accuracy/ 2. FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation. 3. FCRA 611 ( a ) ( 7 ) Failure to provide the method of verification. 4. FCRA 602 - Mixed-file correction requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I received a spoofed call claiming to be Navy Federals Fraud Department. Under pressure and believing it was legitimate, I sent XXXX XXXX XXXX transfers totaling {$4800.00} ( {$900.00} and {$3900.00} ) to XXXX. I am a military service member and trusted the caller because they spoofed Navy Federals official contact. 
After the scam, my account balance dropped to {$0.00}, which caused a NSF fee on my rent payment. My landlord then required a cashiers check, which Navy Federal providedbut I had to pay an additional cashiers check fee. These unexpected costs created a domino effect of financial strain and stress, making it difficult to cope and manage basic expenses. 
I reported the fraud immediately, filed a police report ( Case # XXXX ), and submitted an IC3 report ( Submission ID : XXXX ). Despite this, Navy Federal denied my claim and appeal, stating the transactions were authorized. I believe this is unfair because the transfers were the result of a sophisticated scam involving impersonation and caller ID spoofing. I did not intend to send money to a scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 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: GA

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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting fraudulent and identity-theftrelated accounts, incorrect personal information, and compromised student loan data. 

Experian Violations : FCRA 1681c-2 ( identity theft blocking ) FCRA 1681e ( b ) ( failure to maintain accurate file ) FCRA 1681i ( failure to properly investigate ) Fraudulent Accounts to Delete : All XXXX / XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account Any account tied to wrong addresses Incorrect Personal Information to Remove : All incorrect names All incorrect addresses except XXXX XXXX Any XXXX except XXXX and XXXX XXXX XXXX XXXX variation

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX To : Consumer Financial Protection Bureau ( CFPB ) RE : Formal Complaint Identity Theft, Fraudulent Reporting, FCRA Violations Dear CFPB Representative, I am submitting this complaint because multiple fraudulent, unauthorized, and defamatory accounts are being reported on my credit files by XXXX XXXX XXXX XXXX, along with several data furnishers. These accounts were NOT opened, authorized, signed, or used by me and are the direct result of identity theft. 

Despite previous disputes, these companies have failed to properly investigate, continue to report inaccurate information, and have violated my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
I am filing this CFPB complaint to report fraudulent accounts appearing on my consumer credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account includes 1. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 2. A personal credit card account opened at XXXX XXXX BANK on XX/XX/XXXX under the account number XXXX XXXX. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 4. A personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. 5. A personal credit card account opened at XXXX XXXX XXXX on [ XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports. I demand that the aforementioned fraudulent items be removed from my credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I was charged for damage ( XXXX EUR ) on a rental vehicle for the time period of XX/XX/year> - XX/XX/year> in XXXX, XXXX and the amount was charged to my credit card. I have not been provided a written copy of the damage report that justifies the charge. The rental company is XXXX XXXX XXXX. I attempted to have my credit card company ( CITI ) dispute the charge, but they did not include a copy of the damage report in their dispute letter. I am continuing to dispute these charges until I have seen a copy of the damage report that details the justification of the damage charges. The rental company has not responded with documentation of a written damage report, despite attempted emails on XX/XX/year>, XX/XX/year>, and XX/XX/year>. My credit card company has not made any effort to receive this documentation either. I am not disputing the charge of the rental car, but rather the charge for the damages.

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 monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XXXX XXXX NCB XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Cease and Desist Alleged Debt of {$4600.00} ( Creditor : XXXX XXXX ) To Whom It May Concern, I am writing to notify you that I dispute the alleged debt of {$4600.00} associated with the name XXXX XXXX. I am requesting that you cease all communication with me immediately, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

This includes all forms of communication, and reporting or furnishing information to any credit reporting agency is also a form of communication. Therefore, any continued reporting, updating, or verifying of this alleged debt with the credit bureaus after receiving this notice will be considered a violation of the FDCPA. 

If you believe you have the legal right to pursue this matter, you may provide written validation of the debt only. Otherwise, you are required to : 1. Cease all direct and indirect contact with me, and 2. Cease any reporting or updating of this alleged debt to the credit bureaus, and 3. Remove any existing credit reporting of this account if it can not be validated. 

Be advised : Any further unauthorized communication, including credit reporting activity, will be documented and may be used as evidence in a complaint to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and in any civil action necessary to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing a formal complaint because three accounts are reporting on my credit file that do NOT belong to me. I have never opened these accounts, never authorized them, and I have no knowledge of these debts. 

I contacted the credit bureaus, but these accounts continue to appear. These accounts are inaccurate, unverifiable, and fraudulent. I am requesting the CFPB to require the credit bureaus and furnishers to fully investigate and delete these items. 

The inaccurate accounts are : Jefferson Capital Systems Unknown balance Not Mine Jefferson Capital Systems {$14000.00} Not Mine Resurgent / LVNV Funding {$1300.00} Not Mine These accounts violate the Fair Credit Reporting Act ( FCRA ) because they are not accurate, not verifiable, and not mine. I am the victim of either mixed credit files or identity misuse. I never authorized, opened, or signed for any of these accounts. 

I request the CFPB to ensure that XXXX XXXX XXXX and the furnishers properly investigate and delete these items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: MA

Complaint narrative:
I had loans with Navient and they stopped serving XXXX loans so then XXXX took my loans over. XXXX  have confirmed I don't have any student loans. When I call Navient they say to me that I have no loans with them. I have sent several request to the credit agencies with back up and they say that Navient confirms that I have loans with them. There are 2 late payments on my reports but how can they confirm that I have late payments when I don't have anymore student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
I am filing this complaint because NCB Management Services has failed to provide full and proper validation of an alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). 

Although the company responded to my dispute, they admitted that validation documents would be mailed separately. As of today, I have not received proper validation, including : A complete accounting and itemization of the alleged debt A complete chain of title from the original creditor to NCB Proof that NCB has the legal right to collect and report the alleged debt Documentation supporting the date of first delinquency Verification that all information they reported is accurate and legally permissible Despite lacking validation, NCB reported and verified the alleged debt with the credit bureaus. This violates : FDCPA 1692g ( b ) ( collection must cease until validation is provided ) FCRA 1681s-2 ( a ) ( 3 ) ( must mark the account as disputed ) FCRA 1681i ( reinvestigation obligations ) The company also stated they waited 30 days before reporting the debt but failed to provide proof I received any initial notice. Reporting a debt before providing validation, and verifying it with the credit bureaus while validation is pending, is unlawful.

I request that the CFPB require NCB to either : 1. Provide full and proper validation, including documentation proving the debt is owed and collectible ; OR 2. Delete the tradeline from all credit reporting agencies and cease all collection activity.

This debt remains in dispute until proper validation is supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
After reviewing my Equifax credit report, I identified multiple accounts being furnished with inaccurate, incomplete, inconsistent, duplicated, or unverifiable information. The issues include incorrect late payments, re-aged delinquency dates, duplicate collections, mixed-file information, inconsistent reporting codes, and improper charge-off reporting. These inaccuracies appear to violate the reporting requirements under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standards that Equifax requires furnishers to follow.

1. Incorrect, Duplicated, and Unverifiable Collection Reporting Several collection accounts contain contradictory or incomplete information : A collection from XXXX XXXX shows a balance of {$5300.00} and is improperly reported as a joint account with another individual, which indicates a mixed-file or identity-matching error. This account also reports continuous collection activity from XXXX without consistent or verifiable updates. 
XXXX XXXX is reporting multiple collection accounts with different balances ( including {$2100.00} and {$280.00} ) and inconsistent open dates. Some months show collection status while others show ND ( no data ). These entries appear to represent duplicates of the same debt and contain conflicting reporting. 
XXXX XXXX XXXX is reporting more than one collection account that appears to stem from the same original creditor, including a balance of {$1100.00} and another that traces back to a charged-off XXXX  account. The reporting timeline conflicts with the original creditors information. 
XXXX XXXX XXXX is reporting a balance of {$1200.00}, including several months marked ND alongside inconsistent collection reporting from XXXX. 
XXXX XXXX XXXX is reporting a balance of {$2600.00}, and although this account was previously marked as disputed, the dispute notation is not consistently shown.

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 2025-11-24 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: FL

Complaint narrative:
Company states balance no balance exists. they say they will correct, never has.

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 2025-11-24 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:
Company states balance no balance exists. they say they will correct, never has.

Company response to consumer: Closed with explanation