vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : XXXX XXXX XXXX / Experian Account XXXX XXXXXXXX I am filing this complaint against XXXX XXXX XXXX ( the furnisher ) and Experian ( the credit bureau ) regarding inaccurate and unverifiable credit reporting. 

Background : Account reported : XXXX XXXX XXXX Credit Card Acct. # XXXX Status : Reported as charged off with {$1100.00} past due Disputed with Experian : XXXXXXXX XXXX Experian Response ( XX/XX/year>, Report XXXX XXXXXXXX ) : Verified as accurate ; information unrelated to your dispute has been updated.

Violations & Failures : 1. No proof of debt was provided. 

Neither Experian nor XXXX XXXX provided a signed agreement, original application, full payment history, or proof of ownership of the alleged account. 

Without such documentation, the account is unverifiable under the Fair Credit Reporting Act ( FCRA ).

2. Improper late payment reporting. 

XXXX XXXX is reporting multiple late payments ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) prior to the charge-off. 

If the debt is unverifiable, all related derogatory payment history must also be deleted. Continuing to report late marks on an unverified account constitutes continued publication of inaccurate information in violation of the FCRA. 



XXXX. XXXX reported without IRS compliance . 

XXXX XXXX claims {$1100.00} was charged off. A creditor who cancels or writes off a debt is required to issue a Form XXXX under IRS regulations XXXX None has been issued, calling into question the legitimacy of the reporting.

4. Experians reinvestigation was inadequate.

Experians verification was nothing more than repeating XXXX XXXX response. 

Under FCRA 611 ( a ), Experian must conduct a reasonable reinvestigation and disclose the method of verification upon request. This has not been done.

5. Continuing to report inaccurate, incomplete, and unverifiable information. 

Both parties are knowingly maintaining a derogatory account, along with a series of late payments, without meeting the legal standards of verification required under federal law. 




Requested Relief : Immediate deletion of this account and all associated late payments from all credit bureaus ( Experian, XXXX XXXXXXXX ). 

Written explanation from both Experian and XXXX XXXX detailing the exact documents relied upon to verify this account.

Regulatory enforcement to ensure both furnishers and bureaus comply fully with the FCRA and IRS reporting rules.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing a complaint against the reporting of CDR Genesis / Account # XXXX showing a balance of {$18000.00}. 

This account is fraudulent, inaccurate, and damaging : The account shows Date Opened as XX/XX/year>, yet it was already marked derogatory on XX/XX/year>, which is impossible. 
The original creditor is listed as XXXX XXXX, which does not exist as a legitimate lender I have ever done business with. 
This looks like data furnisher fraud or misreporting, and it should never have been allowed to appear on my credit profile. 

I have already disputed this account with the bureaus, yet it continues to report. That means the furnisher is knowingly providing false, unverifiable data, which is a direct violation of the Fair Credit Reporting Act ( 15 USC 1681e ( b ) & 1681i ).

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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America did not immediately give me {$220.00} on my IRS check immediately today. This caused hardship. I called them and they said there was no fraud or problems with my account but their policy was not to release at least {$220.00}. The check was is {$1700.00}. Now they are saying funds wont be available until XX/XX/year>. There are two violations here. The hold for a week and not releasing at least {$220.00} as mandated by law! 

Heres the issue : By law ( Expedited Funds Availability Act Regulation CC ), U.S. Treasury checks ( which includes IRS refund checks ) must have next-business-day availability when deposited into an account at the same bank. The first {$220.00} must be available immediately, and the remainder should be available the next business day unless theres a specific, legal exception ( new account, suspected fraud, deposit over {$5000.00}, etc. ). 

Bank of America violated Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( vii ) ) by failing to release the required {$220.00} from my U.S. Treasury ( IRS ) refund check upon deposit. The bank confirmed there is no fraud, no account problem, and no new account status. This is an unlawful funds availability violation.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This letter serves as my second formal request to update and correct my personal identifying information in your records pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I submitted a written request along with supporting documentation asking that you remove inaccurate names, addresses, and employer information from my credit file. To date, I have not received confirmation that these corrections have been made, which is a direct violation of your obligations under the FCRA 611 ( 15 U.S.C. 1681i ) to conduct a reinvestigation and provide results within 30 days.

Once again, I demand that you immediately : 1. Remove all previous, misspelled, or incorrect names from my file. The only correct and legal name that should remain is : XXXX XXXX XXXX 2. Remove all outdated or incorrect addresses. The only correct address that should remain is : XXXX XXXX XXXX XXXX, XXXX, LA XXXX 3. Remove all inaccurate employer information. The only accurate and current employer is : XXXX I have attached proof of identity and address again for your convenience. 

If you continue to report inaccurate personal information, you will be in willful violation of FCRA 602, 611, and 616617, which may subject you to liability for damages. If I do not receive written confirmation that these corrections have been completed within 15 days of your receipt of this letter, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as considering legal remedies. 

This is my second and final notice. Please comply with federal law and correct my file immediately.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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: FL

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 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 — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am in active arbitration with XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) regarding serious disputes over my auto loan contract. Despite being notified of the arbitration filing, XXXX XXXX continues to report my account inaccurately to XXXX, Equifax, and XXXX. 

Currently, they are reporting the remark as account information disputed by consumer. This is misleading and incomplete. Because my case is now in formal arbitration, the correct and accurate remark should reflect : account in dispute arbitration pending. 

Their failure to update the reporting misrepresents the status of the account, harms my credit, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ), which requires furnishers to report accounts accurately when in dispute.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am in active arbitration with XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX ) regarding serious disputes over my auto loan contract. Despite being notified of the arbitration filing, XXXX XXXX continues to report my account inaccurately to XXXX, XXXX, and TransUnion. 

Currently, they are reporting the remark as account information disputed by consumer. This is misleading and incomplete. Because my case is now in formal arbitration, the correct and accurate remark should reflect : account in dispute arbitration pending. 

Their failure to update the reporting misrepresents the status of the account, harms my credit, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( XXXX ), which requires furnishers to report accounts accurately when in dispute.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I received a letter from XXXX XXXX XXXX on XX/XX/year> stating they were collecting a debt of {$610.00} against my maiden name on behalf of PayPal which is not mine. I contacted PayPal immediately and reported this as fraud and asked for a written or email confirmation of this fraud and that the account be closed. They informed me it was a business account and provided XXXX other names on the account who I do not know. They stated they would process this through their back office but I would not receive any written communication until after their investigation which they could not provide a time frame for. I then contacted the debt collector and advised that debt account was not mine and was fraudulently opened in my maiden name. They noted this and said they would also provide PayPal this information and have them contact me.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a data-breach victim. Despite prior disputes and identity-theft reporting, the CRAs continue to report : Outdated addresses ( 10+ years, unrelated to any tradeline ) Employers and phone numbers not linked to any account Full DOB and last XXXX digits of SSN in disclosures Unauthorized hard inquiries, including new ones resulting from breached data FCRA Violations : XXXX No reasonable reinvestigation/deletion of unverifiable info XXXX ( b ) Failure to assure maximum accuracy XXXX Failure to block identity-theft info XXXX Failure to place fraud alerts XXXX Unauthorized inquiries without permissible purpose XXXX Improper SSN/DOB disclosures Relief Requested : XXXX. Order CRAs to block identity-theft items and delete unverifiable PII. 
XXXX. Remove all unauthorized inquiries unless CRAs provide certified permissible purpose. 
XXXX. Require truncation of SSN and DOB in disclosures. 
XXXX. Enforce furnisher obligations under XXXX.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a data-breach victim. Despite prior disputes and identity-theft reporting, the CRAs continue to report : Outdated addresses ( 10+ years, unrelated to any tradeline ) Employers and phone numbers not linked to any account Full DOB and last XXXX digits of SSN in disclosures Unauthorized hard inquiries, including new ones resulting from breached data FCRA Violations : XXXX No reasonable reinvestigation/deletion of unverifiable info XXXX ( b ) Failure to assure maximum accuracy XXXX Failure to block identity-theft info XXXX Failure to place fraud alerts XXXX Unauthorized inquiries without permissible purpose XXXX Improper SSN/DOB disclosures Relief Requested : XXXX. Order CRAs to block identity-theft items and delete unverifiable PII. 
XXXX. Remove all unauthorized inquiries unless CRAs provide certified permissible purpose. 
XXXX. Require truncation of SSN and DOB in disclosures. 
XXXX. Enforce furnisher obligations under 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company is violating my rights and failed to validate my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and my rights are being violated. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account immediately.

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: IL

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been wrongfully reported on my credit file. I have reviewed my credit report and identified accounts that do not belong to me nor were they opened or authorized by me. These accounts are the result of identity theft, and are being inaccurately reported under my name.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Either XXXX XXXX XXXX XXXX is not reporting my accurate credit card balance on a timely basis to Experian, or Experian is reporting an accurate balance that is 2 to 3 months behind. 

Experian was reporting my XX/XX/XXXX balance of {$3600.00} all the way thru XX/XX/XXXX, then they updated it to my XX/XX/XXXX, balance of $ XXXX. 

My correct balance as of XX/XX/XXXX is {$1400.00} After my XXXX dispute filed with Experian, they are now reporting a balance that is 2 months old, down from 3 months old. 

Below is their latest communication received XXXX regarding my XXXX dispute filed with them : ( i.e., the {$2700.00} balance is 2 months old_. 

Dispute results Your dispute report number XXXX results are ready for review. 

XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2700.00} Balance Updated XX/XX/XXXX Recent Payment {$950.00} as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
For several years we have been going back and forth with Nissan Motor Acceptance Company over debt validation and verification which they never provided. Instead the charged off the account and sold it to a debt buyer, who then posed as a servicer and commenced to send letters trying to extort my family for funds not due them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
I had money in my XXXX XXXX XXXX XXXX  sat woke up sun an I was in the negative on both accounts.So when I tried to use some of the money Sunday it said negative account an I don't see how an cause I didn't use it because it was already gone from my account.So I contacted cash app an explained it to them an they ask me to go to the transaction an I said how am I going to a transaction an I don't know nothing about.do he said he was going to investigate an I will here some by email still ain't heard anything from them.This not the first time this done happened

Company response to consumer: Closed with explanation