vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dispute of Unverified Collection Account XXXX XXXX XXXX ( Account # XXXX ) Reported by Transunion I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX to Transunion, with the account number ending in XXXX. I submitted a dispute to TransUnion in accordance with the Fair Credit Reporting Act ( FCRA 1681i ), requesting that they verify or remove the account. I also contacted XXXX XXXX XXXX directly and requested debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ). To date : TransUnion has not provided proper verification of the account. XXXX XXXX XXXX failed to provide full debt validation, including original creditor details and supporting documentation. Under federal law, this account must be removed if it can not be verified. - Violations of Consumer Law : FCRA 1681i ( a ) ( 5 ) : Requires deletion of information that can not be verified. FCRA 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes received from a CRA. FDCPA 1692g ( b ) : Requires debt collectors to cease reporting if they can not validate the debt. This unverified collection account continues to negatively affect my credit standing, resulting in lower scores and obstacles to obtaining housing, loans, and employment.

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 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection or that i owed the debt. This is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.

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 2025-08-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Samuel Whitaker & Associates LLC
State: NM

Complaint narrative:
I received a phone call from ( XXXX ) XXXX the toll-free number XXXX, was left as a call back number. I called them back and during which the caller claimed to represent an arbitration firm XXXX XXXX, pursuing a debt they allege I owe. 
The caller : Refused to provide written proof or documentation of the alleged debt. 
Made vague and intimidating statements suggesting legal or arbitration proceedings and a lean on my bank account and vehicle. 
Did not send a validation notice within five ( 5 ) days, as required by law.

Did not disclose their full business name, license number, or physical address. I asked more than 3 times.

I requested written validation of the debt, as is my right under the FDCPA, but they claim they do not need to provide that. Additionally, when I asked whether they were licensed to collect debts in the state of New Mexico ( where I reside ), and they said they dont have to be. That I will be served.

Based on these actions, I believe the caller may be impersonating a legal entity or using deceptive practices to coerce payment. There is no verifiable company name associated with the number XXXX, and public lookup tools show no trustworthy record of this number being used by a legitimate debt collection agency or arbitration firm.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-31 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: MN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Since 2023, I have been harassed by Genesis/Columbia Debt Recovery in an attempt to collect an inaccurate balance from a past Apartment rental. I have been called multiple times from a variation of different phone numbers over the past 2 years. I would like to formally file a complaint for intimidation by repeated phone calls, emails, and voicemails. The below list is comprised of all the numbers this company has called from : ( 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: OH

Complaint narrative:
I was already being taken to court and I told them then these are not my purchases. I filed false allegations this time since my defense meant nothing. This was a build card I got this card yrs ago however someone got it ran my name under it all over the states. The file number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX They are garnishing my wages.

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 2025-07-31 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: CO

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy, as required by law. These errors are placing a significant burden on me and continue to affect my life in ways that are deeply distressing, especially during these challenging times. Correcting or removing these inaccuracies would be a tremendous relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-31 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AL XXXX Email : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX RE : Final Formal Demand to Remove Unauthorized Child Support Furnishing Litigation Pending Dear Compliance Departments : This letter serves as your final demand and legal notice before immediate litigation is commenced. I, XXXX XXXX XXXX XXXX, am contacting you regarding the continued furnishing and reporting of a child support enforcement account allegedly originated by the Florida Department of Revenue, which you are displaying on my credit report without any legal authority, valid contract, or my express written consent. 
Despite multiple disputes and complaints to the Consumer Financial Protection Bureau ( CFPB ), you have continued to furnish and publish inaccurate, harmful, and unauthorized data under my name and Social Security number. 
Let it be clearly stated : I have no contractual relationship with XXXX XXXX XXXXXXXX XXXX. 
You have not produced any evidencenor can youthat I ever consented to this data being shared or published. 
You are now knowingly and willfully violating federal law through continued reporting. 
This demand is being made under the authority of the following federal laws, among others : Applicable Federal Laws Violated : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b ( a ) ( 2 ) Permissible Purpose 1681e ( b ) Reasonable Accuracy Procedures 1681c ( a ) Obsolete/Unlawful Reporting 1681s-2 ( a ) ( 1 ) ( A ) Accuracy by Furnishers 1681n Civil Liability for Willful Noncompliance 1681o Civil Liability for Negligent Noncompliance Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ( if applicable ) U.S. Constitution : Right to Privacy & Due Process ( if state agency participation is claimed without consent )

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 2025-07-31 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: CO

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy, as required by law. These errors are placing a significant burden on me and continue to affect my life in ways that are deeply distressing, especially during these challenging times. Correcting or removing these inaccuracies would be a tremendous relief.

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 2025-07-31 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: NC

Complaint narrative:
I HAVE BEEN DISPUTING THIS XXXX XXXX XXXX ACCOUNT WITH EXPERIAN FOR OVER 6 YEARS AND ITS BEEN BLOCK OVER XXXX TIMES AND EXPERIAN KEEPS ALLOWING THEM TO UNBLOCK IT AND CHARGE THE ACCOUNT NUMBER AND DATA ON THE TRADE LINE, I HAVE SENT IN THE POLICE REPORTS, FTC IDENTITY THEFT REPORTS, COURT RECORDS AND PERSONAL LETTER FROM FORDS CREDIT ATTORNEY STATING THIS XXXX XXXX ACCOUNT IS FRAUD BUT EXPERIAN KEEPS ALLOWING THEM TO HURT ME AND NOW IM LOSING MY HOUSE LOAN AND XXXX DOWN PAYMENT. I SHOW PROOF TO EXPERIAN ON EVERY LEVEL BUT XXXXXXXX XXXX  DOESN'T SHOW ANYTHING EXCEPT ITS RIGHT AND NO PROOF, NOW THATS INSANE, NO PROOF. I HAVE SUED EXPERIAN IN THE PAST AND ACTUAL WON XXXX FOR TRADE LINE FRAUD AND I WILL SEEK LEGAL ACTIONS AGAIN I GUESS FOR ALLOWING XXXX XXXX TO REPORT A FRAUD ACCOUNT THAT EXPERIAN HAS KNOWLEDGE ITS NOT THE OWNER OF THE TRADE LINE. EXPERIAN DOESN'T LOOK INTO THE INVESTIGATION FOR THE CUSTOMER BUT ONLY HELPS THE BANKS, I WILL BE SUING BY MONDAY XX/XX/year> IF THIS ACCOUNT ISN'T REMOVED AND BLOCK FOR GOOD.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I was defrauded by an individual impersonating a trusted contact, who convinced me to send several payments, one through XXXX  totaling {$2000.00}. These payments were positioned as part of a legitimate business transaction with promises of coaching and deliverables that were never fulfilled. I later learned it was part of an orchestrated scam. I immediately contacted XXXX  and was instructed to file a police report, which I completed. 

However, after submitting the report and requesting a full transcript of our email communications, XXXX  failed to provide the requested documentation. Key emails and instructions they previously sent, especially the message prompting me to provide the police report, disappeared from my inbox, and their support team has since refused to resend them. 

This lack of transparency and cooperation has interfered with my ability to resolve this incident with my financial institutions, including XXXX XXXX and PayPal. Im now in an active dispute process and need XXXX full cooperation to access the records I originally received from them in order to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Checked credit report to find unauthorized account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-31 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
These accounts are not mine and may have been created using stolen information. I request a comprehensive investigation and that they be removed from my credit file. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

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