vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I am submitting this complaint regarding a false and materially inflated debt being reported to the credit bureaus by COLUMBIA DEBT RECOVERY LLC DBA GENESIS.

Genesis is currently reporting a balance of {$13000.00}, but the only valid legal debt was a default judgment entered on XX/XX/XXXX for XXXX XXXX XXXX from the XXXX XXXX XXXX in Tennessee for {$9600.00}, which has been fully satisfied through wage garnishment totaling over {$11000.00}. 

Genesis acquired this debt in XX/XX/XXXX, over a year after the judgment and garnishment had already been initiated, meaning they had clear notice the debt was resolved. Despite this, they have reported a higher amount to the credit bureaus and failed to correct it after being notified and given proof, including court records.

Their actions violate the Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to report accurate information ; 1681s-2 ( a ) ( 1 ) ( B ) : Reporting false information about a resolved debt ; 1681i : Failure to conduct a lawful reinvestigation after receiving a dispute.

They are also in violation of the Fair Debt Collection Practices Act ( FDCPA ) : 1692e ( 2 ) ( A ) : Misrepresenting the amount and legal status of the debt ; 1692f ( 1 ) : Attempting to collect more than legally owed.

I have made multiple attempts to resolve this directly with Genesis and provided all relevant documentation, including the judgment and proof of garnishment. They have refused to take corrective action.

I am requesting the CFPB to investigate and require Genesis to : Remove or correct the inaccurate tradeline ; Stop all collection and reporting related to the inflated debt ; Provide me written confirmation of the action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-23 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-23 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX'Midland Credit Management (MCM) has been harassing me with repeated phone calls from different numbers  often within minutes of each other. I do not have a confirmed debt with them, and I have already told them to stop calling meXXXXI answered one of the calls, and the representative asked Is this XXXX? several times without identifying himself properly. I asked who was calling, and he said MCM, then stated it stood for Midland Credit Management, and that calls may be recorded. I clearly told him: Please do not call me. Despite this, the calls have continued aggressively.XXXXHere is a breakdown of the harassment:XXXXTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (multiple timesXXXXThey are violating the Fair Debt Collection Practices Act (FDCPA), includingXXXX15 USC 1692d  Harassment through repeated and excessive callsXXXX15 USC 1692e  Failure to clearly identify themselvesXXXXContinuing contact after a clear verbal cease request'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a text message from a company called Transworld Systems ( TSI ) in regards to a medical debt for COASTLINE EMERGENCY PHYSICIANS ( a doctor 's office I have never visited, or received caref rom ). 

I called their " Customer Service '' number, and was told this debt belonged to someone with a completely different name and biological XXXX. I was told this would be marked in the system as " WRONG NUMBER ''. The following week, I received another attempt to collect the debt via text message. 

I called their " Customer Service '' number again, and was transferred to three different agents. None of the agents would provide me any confirmation when requested. The final agent said the same thing ( my number would be marked " WRONG NUMBER '' ). When I insisted I needed * confirmation * that I would not receive correspondence, they could not provide me with any guarantee. Instead, they placed me on their DO NOT CALL list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n 1681c-2) that you, the XXXX  credit reporting agency, block information\nappearing on my consumer credit report that is the result of identity theft and fraud\nwithin 4 business days of you receiving this complaint. The following items do not\nbelong to me and is a result of fraud that I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report,\nexcept\nfor my only name and address listed below:\nName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am filing a formal dispute against Nelnet for mishandling my federal student loan account and violating multiple federal laws. Despite being a totally and permanently XXXX XXXX  eligible for a full loan discharge under the Higher Education Act, Nelnet has failed to honor this provision and continues to report and collect on the debt. Additionally, inaccurate and misleading information has been reported to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). Most concerning, my private account information was accessed by an unauthorized party identified as XXXX, which constitutes a breach of the Privacy Act of 1974. Nelnet has not notified me or resolved this data security issue. I request a full investigation, removal of inaccurate credit data, a proper loan discharge, and action taken regarding this privacy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
I am filing a formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681o, against one or more credit reporting agencies and/or furnishers. The following information has been reported on my consumer credit report inaccurately, and multiple accounts have not been verified with the original creditors as required by law.

Disputed Accounts Not Verified with Original Creditor 1. Department of Education XXXX XXXX Acct # : XXXX This debt was not originated with XXXX. I never signed an agreement with this company, and there has been no valid documentation provided to show a legal transfer from the original servicer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is marked charged off but has not been verified as required by the FCRA. I dispute the accuracy of this information. 


XXXX. XXXX / XXXX ( XXXX ) Acct # : XXXX This account was fully paid off. It should not be reporting negatively or as delinquent. 


XXXX. XXXX XXXX Acct # : XXXX This account has been paid in full. It is inaccurately reported and should be removed. 


XXXX. XXXX XXXX XXXX Acct # : XXXX This is a collection account with a third-party company I have no agreement with. It has not been verified, and I never authorized them to collect on my behalf. 


XXXX. XXXX Acct # : XXXX Acct # : XXXX These charged-off accounts have not been validated or verified by the original creditor. I dispute their legitimacy. 


Unauthorized Hard Inquiries I am also disputing hard inquiries that I did not authorize. These inquiries were made without my consent or a permissible purpose, in violation of FCRA 1681b.

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 2025-06-23 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681o, against one or more credit reporting agencies and/or furnishers. The following information has been reported on my consumer credit report inaccurately, and multiple accounts have not been verified with the original creditors as required by law.

Disputed Accounts Not Verified with Original Creditor 1. Department of Education XXXX XXXX Acct # : XXXX This debt was not originated with XXXX. I never signed an agreement with this company, and there has been no valid documentation provided to show a legal transfer from the original servicer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is marked charged off but has not been verified as required by the FCRA. I dispute the accuracy of this information. 


XXXX. XXXX / XXXX ( XXXX ) Acct # : XXXX This account was fully paid off. It should not be reporting negatively or as delinquent. 


XXXX. XXXX XXXX Acct # : XXXX This account has been paid in full. It is inaccurately reported and should be removed. 


XXXX. XXXX XXXX XXXX Acct # : XXXX This is a collection account with a third-party company I have no agreement with. It has not been verified, and I never authorized them to collect on my behalf. 


XXXX. XXXX Acct # : XXXX Acct # : XXXX These charged-off accounts have not been validated or verified by the original creditor. I dispute their legitimacy. 


Unauthorized Hard Inquiries I am also disputing hard inquiries that I did not authorize. These inquiries were made without my consent or a permissible purpose, in violation of FCRA 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I'm filing a complaint regarding non receipt of {$400.00} bonus for opening my first business checking account. ( Attached please find the PNC promo offer screenshot. ) I opened the account on XX/XX/year> online with the promotional offer and I have met all requirements by conducting XXXX debit cards transactions and maintaining {$2000.00} average daily balance for the first 3 billing cycles. At first, due to PNC system glitches, two identical accounts were opened, it took me much time and effort to finally have one account closed.

Since I didn't receive the bonus on time, I contacted my local branch and the phone customer service. After exchanging many emails, phone calls over the past few months, I was initially told that I met the requirement and would receive the bonus soon. However, there was no bonus posted to my accounts after waiting, I was later told that I didn't meet the requirement for the bonus, because the average daily balance for the first month ( billing cycle ) was several dollars below {$2000.00}, although I did have over {$2000.00} balance on my account for the first month. FYI, I confirmed with my local banker regarding the average daily balance on the first billing cycle, I was assured that there's a grace period and the counting wouldn't start until the second month since the account was opened, because it's not even practical to meet the requirement, unless the account was opened on the first day at a branch. The customer has to be a math proficient for doing the calculation, since it's not a full month cycle. It's a general practice to count average daily balance starting from the following month after the account opening. It's simply misleading and unfair for a bank to dishonor the bonus. 

PNC is a leading bank with a long history. I have a great trust in the bank. I am really frustrated and disappointed with the issue, I will keep on filing complaints to Better business Bureau and other federal and state government regulatory offices, meanwhile, I am hopeful that the management at the higher level would consider my situation and kindly grant the bonus to me, so I could keep and use my account for a very long time as a satisfied customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief