vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to dispute the entries reported by Early Warning Service LLC which reflect amounts of {$100.00}, {$72.00}, and {$0.00} furnished by XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( procedures for disputed information ) and 1681s-2 ( duties of furnishers of information ) I dispute these entries as inaccurate and/or improperly reported. I hereby demand that you cease and desist reporting this information without my consent and delete or correct the entries immediately. Additionally please update all relevant downstream consumer reporting agencies to ensure the inaccurate data is removed from all records. I ask that CFPB investigate this matter to ensure this company complies with all federal and state statues and law. I sent a letter and a Notice of Cease and Desist to Early Warning on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I am disputing a debt with National Recovery Agency for {$320.00}, which they claim I owe to XXXX XXXX XXXX. I received the original utility bill, which shows a balance of only {$200.00}, and I requested a full validation of the increased amount. 

They responded by labeling my dispute as frivolous without providing any itemized breakdown of the additional {$110.00} in fees. They have not verified the debt, nor have they explained how they are authorized to collect it. I requested documentation per my rights under the Fair Debt Collection Practices Act ( FDCPA ), but they failed to provide it. 

I am requesting that the CFPB investigate this issue and require National Recovery Agency to provide a full, itemized validation and halt collection activities until then. 

Attached are copies of my original dispute, their response, and the original bill from 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 2025-08-07 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: NJ

Complaint narrative:
I writing because the XXXX XXXX account on my report wasnt accurately investigated. 
1. Continued Monthly Delinquencies XXXX XXXX : Once an account is charged off, it should not continue to report new delinquent payment statuses each month. However, this account continues to report me as late from XX/XX/XXXX to XX/XX/XXXX, which is inaccurate and creates artificially extended damage to my credit profile.

2. Double Reporting of Derogatory Status : It is improper to report both a charge-off and ongoing monthly delinquencies simultaneously. This is misleading and constitutes double jeopardy under credit reporting standards.

3. Incomplete Data : The account also fails to report any payment status for XXXX and XX/XX/XXXX, which violates the FCRA requirement that credit data be complete and not misleading.

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 2025-08-07 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: NJ

Complaint narrative:
I writing because the XXXX XXXX account on my report wasnt accurately investigated. 
1. Continued Monthly Delinquencies XXXX XXXX : Once an account is charged off, it should not continue to report new delinquent payment statuses each month. However, this account continues to report me as late from XX/XX/XXXX to XX/XX/XXXX, which is inaccurate and creates artificially extended damage to my credit profile.

2. Double Reporting of Derogatory Status : It is improper to report both a charge-off and ongoing monthly delinquencies simultaneously. This is misleading and constitutes double jeopardy under credit reporting standards.

3. Incomplete Data : The account also fails to report any payment status for XXXX and XX/XX/XXXX, which violates the FCRA requirement that credit data be complete and not misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. remove this fraudulent information from my credit report immediately, personal information was involved in a data breach fraudulent accounts have been opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
According to XXXX XXXX XXXX XXXX and XXXX you have broken the law by reporting this information on my report knowing its inaccurate. remove this fraudulent information from my credit report immediately, personal information was involved in a data breach fraudulent accounts have been opened in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
This is a follow-up identity theft complaint under FCRA XXXX XXXXXXXX XXXX partial but incomplete resolution of my prior disputes. I appreciate that Experian has acknowledged my identity theft documentation and removed a portion of the fraudulent records. However, as of today, XXXX unauthorized XXXX  inquiries and XXXX fraudulent addresses remain in my credit file. These items were clearly listed in my original identity theft affidavit and must be blocked under federal law. 

Despite my complete XXXX submission on XX/XX/XXXX, which included the FTC Identity Theft Report ( executed under penalty of perjury ), government-issued ID, Social Security card, proof of address, and annotated credit report, Experian failed XXXX delete the following entries : Remaining Unauthorized Inquiries ( Experian ) : 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 These entries were never authorized by me, and I have no connection to these lenders or addresses. Their continued presence is a direct violation of XXXX legal obligations under FCRA XXXX. 

Violations : Experian failed to block these records within the mandatory XXXX business days under XXXX ( b ) Experian XXXX have reinvestigated or contacted furnishers, which is prohibited by XXXX ( c ) ( XXXX ) Experian failed to provide a written, specific justification for not blocking the above records, in violation of XXXX ( b ) I am demanding immediate removal of these remaining fraudulent entries and full compliance with XXXX. Continued delay constitutes willful noncompliance and XXXX warrant enforcement under FCRA XXXX ( a ) ( XXXX ) ( B ).

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 2025-08-07 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: CA

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX Issue : This address is incorrect and does not belong to me Law : Under FCRA 602 ( A ), the consumer has a right to accurate and verifiable information on their credit report Story : I have never resided at this address. Including this address on my report suggests potential identity confusion or reporting error. This inaccuracy may be causing misassociation with accounts or inquiries that are not mine. 
Instruction : Please delete this address immediately and block any account or inquiry linked to it under FCRA 611 and 609 ( c ) ( 2 ) I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in the FCRA.

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 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/year> I was given an auto loan from Credit Acceptance Corporation for {$10000.00} with an Annual Percentage Rate of 23.99 % which was an high interest rate for my income I was earning, which violated 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 explanation
Consumer complaint received 2025-08-07 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-08-07 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally file a complaint against XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX, regarding an account that has been wrongfully reported on my credit profile. 

I do not have any contract or agreement with XXXX XXXX XXXX, nor have I entered into any financial obligation with them. Despite this, they are reporting a debt on my credit report which I do not recognize or owe. Furthermore, the amount alleged as owed has been unlawfully inflated, which appears to be a deliberate attempt to negatively impact my XXXX XXXX. 

This conduct is a violation of the Fair Credit Reporting Act ( FCRA ) and possibly other federal consumer protection laws. The actions of XXXX XXXX XXXX amount to deceptive and unethical debt collection practices, and I believe they warrant a full investigation for potential malpractice. 

I am requesting the following : XXXX removal of all information related to XXXX XXXX XXXX from my credit profile with all XXXX  XXXX XXXX XXXX 

A formal investigation into the practices and reporting methods used by XXXX XXXX XXXX. 

That XXXX XXXX XXXX be instructed to cease all collection activities related to this invalid and unsubstantiated debt. 

I am attaching a copy of my XXXX  XXXX  showing the account in question and a sworn statement denying any knowledge or responsibility for this alleged debt. 

Thank you for your time and assistance in resolving this matter. I respectfully request that you update me with any findings and actions taken as a result of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Rest to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to XXXXXXXX XXXX XXXX ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Under XXXX XXXX XXXXXXXX ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report lists a XXXX  record that I believe is inaccurate or unverifiable Under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX I am entitled to an entirely accurate credit report I am requesting a review of this XXXX  entry and if it can not be substantiated it should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-07 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX  , not mines I dont use XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: 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 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