vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: KS

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting a collection account on my Equifax credit report that is inaccurate and unverifiable. I previously disputed this item directly with Equifax, but the account remains without proper validation or correction. Despite this, Equifax continues to include it in my report. 

XXXX XXXX has a pattern of re-reporting or updating account information without providing the required verification, which is a violation of the Fair Credit Reporting Act ( FCRA ), particularly sections 611 and 623 regarding investigation procedures and reporting accuracy. I have also seen this company appear inconsistently across different credit bureaus, and I believe this inconsistency itself raises further questions regarding their reporting practices.

Furthermore, this account is not being updated in a timely manner, nor does it reflect any meaningful resolution or communication regarding its validity. I have not received any formal debt validation from the collector directly, and Equifax has not provided the results of their investigation with sufficient detail or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a spending offer from Barclay for the XXXX credit card on XX/XX/XXXX to spend {$50.00} XXXX times and get XXXX bonus points. I activated the offer in my Barclay online account and the offer disappeared. I tried to click on the link in the email to activate the offer and it led me to nowhere. Since I already activated, I did my spending. I made XXXX purchases of at least {$50.00} by XX/XX/XXXX. I called Barclay to verify that I have met my spending and they said they see the offer in my account but I have not activated it. I explained it to her that I activated and the offer disappeared so I can't even activate it. She offered to do it on her end but I would have to make my spending again to trigger the bonus point. 

I screenshot the offer page of my account where the offer is not there on XX/XX/XXXX. But I called XX/XX/XXXX and the representative said she sees my offer and I did not activated 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 2025-07-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of the XXXX XXXX unlawful investigations, This has caused me denial to accessing basic necessities such as fair housing and credit approvals. They have updated my report with false and misleading information and sharing on a public platform

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Subject : Errors on Credit report The following account listed below has inaccurate information : Account : US Dept of Education / XXXX  Account # ( XXXX XXXX XXXX XXXX XXXX ) Reporting Payment date : XX/XX/XXXX Reporting No payment Amount or information Reporting High balance of {$9500.00} as of XX/XX/XXXX to XX/XX/XXXX Reported Balance of {$15000.00} as of XX/XX/XXXX No payment information or balances are being reported from XX/XX/XXXX to XX/XX/XXXX until XX/XX/XXXX. 

No 1st delinquency date reported. 

I am requesting a copy of my payment history, Total amount borrowed and any outstanding balance. 

The terms and conditions of the loans including interest rates and repayment schedules. 

Documentation related to the loans including promissory notes and disclosures. 

Information regarding any past due amounts or defaults if applicable. 



I believe there is inaccuracies in my load records, potentially violating my rights under the FCRA & FDCPA. All information must be complete, accurate and verified. I request that you provide clarification on any discrepancies and detailed account of how the information is calculated. 



according to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

* * 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate. 

Please respond to this request within the timeframe specified by FERPA, as i need to ensure my records are accurate and complaint with consumer law.

The Fair Credit Reporting Act : Generally, limits the reporting of most negative credit information to seven years. This includes late payments, collection accounts, charge off accounts. Specifically for collection accounts and charge off accounts the seven-year period begins 180 days after the initial delinquency.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: KY

Complaint narrative:
Subject : Dispute of Inflated and Potentially Unverifiable Collection Columbia Debt Recovery ( XXXX XXXX XXXXXXXX XXXX ) I formally dispute this account. The original balance was {$800.00}, but {$920.00} is now listed without breakdown. Please validate this debt under 15 U.S.C. 1692g and investigate under 15 U.S.C. 1681i.

If you can not verify, remove the item. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Capital One Account To Whom It May Concern, I am writing to dispute the inaccurate information appearing on my TransUnion credit report regarding my Capital One account.

According to my records, I have made all payments on time, including those through XX/XX/XXXX 2025, and have never been late. However, my TransUnion report lists this account as having a late or delinquent payment, which is incorrect. 

Attached are : XX/XX/XXXX 2025 ( payment of {$100.00} ) XX/XX/XXXX2025 ( payment of {$50.00} ) XXXX payment of {$150.00} My government-issued ID and proof of address Please investigate and correct this error. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information. 

Thank you for your attention to this matter. Please send me confirmation once the correction has been made. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have a debt reporting on my credit report for {$1100.00} from an apartment I previously rented. The debt originally reported as {$700.00} but has increased to {$1100.00} and has been on my report since 2019. 
I have disputed this several times with the credit bureaus and the company, as I believe this debt is inaccurate and misleading. I paid a security deposit upon move-in, and I was never provided an itemized list of deductions or a formal invoice. 
The company has failed to respond with proper documentation proving the debt is valid or explaining the increase. Additionally, this account is reported in a way that appears like an eviction, which is not true and is preventing me from securing housing. 
I am requesting that this item be removed or updated to reflect the true and accurate information. I am also requesting documentation and transparency from the furnisher and the credit bureaus. 
Resolution Sought : Deletion of the inaccurate tradeline Verification of debt with itemized accounting Correction of any misinformation suggesting eviction The company has failed to provide sufficient documentation to verify this debt after multiple disputes, which may be a violation of : FCRA ( 15 USC 1681i, 1681s-2 ( b ), 1681e ( b ) ) FDCPA ( 15 USC 1692g ( b ), 1692e, 1692f ) Additionally, reporting this account in a way that suggests an eviction when there was no legal eviction process could be seen as misrepresentation. 

Foot hill vista is the original financial credit network

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: KY

Complaint narrative:
b"Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated:\nBankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court XXXX XXXX XXXX  \nBankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, DEFENDENT ADMINISTRATIVE PROCEEDING File No. XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Application for XXXX XXXX Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2025, I mailed a certified debt validation letter to Radius Global Solutions regarding a medical debt they reported to the credit bureaus. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and HIPAA, requesting that they provide proper validation of the debt, including an itemized bill from the original provider and a signed HIPAA authorization allowing them to access and disclose my medical information.

Radius Global responded with a health insurance claim form, which is not sufficient to validate the debt. They failed to provide : A signed HIPAA release form, An itemized breakdown of charges from the provider, Proof of their legal authority to collect the debt.

More than 30 days have passed since my request, and they have not satisfied the legal requirements for debt validation. Despite this, the account is still being reported to the credit bureaus, which violates my rights under the FDCPA and potentially under HIPAA.

I am requesting that Radius Global Solutions be required to delete the account from all credit reports, cease all collection efforts, and provide written confirmation of these actions.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
This company is literally a scam I go to do something with school literally the people are only here to help you get in pay money and then after theres no help at all. Then I see all of these bad reviews online after even lawsuits so I decide to tell them Im fine I dont trust it. Someone has to do something about this company they should respect peoples decisions then I literally have to pay for Something I didnt even do. And thats sad because I really wanted to do something with myself as of mom of a toddler because I cant go out to a big college and it turns out negative.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today I received an email from Wells Fargo letting me know that they closed my account for not paying them their overdraft fees, causing my checking account balancewith a negative balance. I called Wells Fargo, and I spoke to a person by the name XXXX in the Escalation Department. - I explained to him over and over that I have been communicating with Wells Fargo Corporate Office representative, one of them by the name XXXX XXXX XXXX. I spoke to this person many times, and last week I left a voicemail message in his extension number, but he never called me back. - in addition to that, I also open a claimed with the Dispute Department, but they never reversed the 3 Overdraft Fees totaling {$100.00} dollars, and this was the cause why my checking account was overdrawn.- But, XXXX the Wells Fargo representative in the Escalation Department told me that they closed my checking account for not paying that balance, which it's {$100.00} in Overdraft Bank Fees, and {$10.00} for Monthly Bank Service.- I explained to him that I have been disputing the bank charges for months, but he told me that they keep communication with the claims department, and Corporate Office Complaints , so they went ahead, without further research they decided to close my checking account for not paying them the balance, which are bank fees.! - Now Wells Fargo wants to send me to collectors! - They want to collect that money!

I was Wells Fargo Bank customer for more than 10 years, and this is the way they treated me, just because they refused to reverse their excessive and abusive Bank Fees. -

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 2025-07-17 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: CT

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-17 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information currently appearing on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account listed below is inaccurately reporting late payments, which I believe to be incomplete, unverifiable, or otherwise incorrect. I request that these late payments be deleted from my credit file. 

Account Information : * Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX * Account Number : XXXX Legal Basis for This Dispute : * 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must investigate disputed information and delete or correct any unverifiable or inaccurate data.

* 15 U.S. Code 1666 and 12 CFR 1026.13 ( Regulation Z ) : These laws govern the proper handling and correction of billing errors, including improper or disputed reporting of payment history. 
* 15 U.S. Code 1681s-2 : Furnishers of information ( such as XXXX ) are legally obligated to provide accurate data. Failure to do so requires that incorrect or unverifiable information be removed. 

Requested Resolution : I request that all late payments reported under this account be deleted from my credit file. If the credit bureau and data furnisher can not verify the accuracy of the late payment information with supporting documentation, it must be removed as required by federal law. 
Please conduct a reinvestigation within the required 30-day timeframe as outlined in the FCRA, and provide me with written confirmation of the results. I also request that this letter be added to my credit file as part of my consumer statement.

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