vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding unresolved issues related to inaccurate credit reporting and debt collection practices that I have been experiencing. Despite multiple attempts to resolve these matters directly with the credit bureaus and the collection agency, XXXX, I have not received satisfactory responses or corrective actions.

1. Inaccurate Credit Reporting : There are several inaccuracies on my credit report that have not been rectified, despite my numerous disputes : Late Payments : I have never missed a payment with my XXXX  account, yet my credit report inaccurately reflects late payments. These entries should be removed. 
Incorrect Inquiries : There are inquiries from accounts that are not open under my name. I request that these inquiries be removed from my credit report. 
Outdated Addresses : I have submitted my correct address multiple times, but outdated addresses continue to appear on my credit report. I request that all incorrect addresses be removed. 
Charge-offs : All charge-offs listed on my report have been paid in full, yet they remain on my credit report. I request that these be removed in accordance with relevant regulations.

2. Failure to Provide Debt Verification : XXXX has been attempting to collect a debt from me, but I have repeatedly requested verification of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, I have not received any documentation from XXXX to substantiate their claims. I ask that XXXX provide the necessary verification or cease further collection attempts and remove any related entries from my credit report.

3. Failure of Credit Bureaus to Address Disputes : I have submitted multiple disputes to all three credit bureaus ( Equifax, XXXX, and XXXX ) regarding these inaccuracies. However, my disputes have not been resolved, and the credit bureaus have failed to correct the erroneous information on my credit report. Despite sending certified mail with the necessary documentation, no action has been taken. 4. Data B
reach Additionally, my credit information has been compromised, and I have received notifications indicating a potential data breach. However, I have not received confirmation that these alerts have been implemented.

5. Request for Action : Given the unresolved nature of these issues and the failure of both XXXX and the credit bureaus to address them, I am formally requesting your assistance in resolving this matter. I am requesting that you investigate my complaint and take appropriate action to ensure the correction of my credit report and the cessation of unauthorized debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to formally notify Equifax for not properly investigating and CPFB for not doing enough to prevent Equifax from continuously violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice and a request for immediate corrective action. 
Specifically, Equifax has violated my rights under the FCRA in the following manner ( s ) : ACCOUNT 1 ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$7700.00} ACCOUNT XXXX ) XXXX XXXX XXXX XXXX - FOR YEARS HAVE REPORTED THIS ACCOUNT INCORRECTLY, BALANCE, AND PAYMENT HISTORY IN THE AMOUNT OF {$1700.00} ACCOUNT XXXX ) XXXX XXXX THIS IS NOT ASSOCIATED WITH ME. 

Failure to maintain accurate and up-to-date information on my credit report, in violation of 15 U.S.C. 1681e ( b ).

Failure to properly investigate a dispute regarding inaccurate information on my credit report, as required by 15 U.S.C. 1681i.

Providing my credit information to unauthorized third parties without my consent, in violation of 15 U.S.C. 1681b. 

As a result of these violations, I have suffered harm, including [ explain the consequences, such as denied credit, higher interest rates, emotional distress, etc. ]. 

I demand that Equifax AND CFPB take the following actions immediately : REMOVE ALL THREE ITEMS LISTED ABOVE! 

Provide me with a detailed report on the investigation conducted regarding my disputes. 

Cease and desist from sharing my credit information with unauthorized third parties. 

Please consider this letter a formal demand for compliance with the FCRA. If these issues are not addressed within [ reasonable time frame, e.g., 30 days ] from the date of this letter, I will have no choice but to pursue legal action to protect my rights. 

I expect a written response detailing the actions Equifax AND CFPB has taken to resolve these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
METHOD OF VERIFICATION REASON : This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.. '' I don't agree with the results of your investigation.Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 15 USC 1681e ( b ) - Accuracy of Reports 15 USC 1681s-2 ( b ) - Responsibilities of Furnishers. Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
METHOD OF VERIFICATION REASON : This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.. '' I don't agree with the results of your investigation.Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 15 USC 1681e ( b ) - Accuracy of Reports 15 USC 1681s-2 ( b ) - Responsibilities of Furnishers. Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX - XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, afte
r any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be 100 % accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.

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 2025-03-13 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: FL

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I formally request that you provide complete validation of this debt. This is not a refusal to pay, but a request for verification of the legitimacy and accuracy of the debt in question.

I request the following documentation for verification : 1. Proof of ownership A copy of the original signed agreement that I entered into with the original creditor, proving you have legal authority to collect this debt.

2. Itemized account history A breakdown of the original amount, payments made, interest applied, fees, and how the final balance was calculated. 
XXXX. Proof of your right to collect Documentation showing you were legally assigned or purchased this debt and have the authority to collect it. 
4. Any judgments or legal action If any court judgments exist, provide certified copies proving the debt was legally established.

5. Communication records A log of all attempts to contact me, including dates and times, to ensure compliance with FDCPA regulations.

Additionally, I am disputing the validity and accuracy of this debt on my credit report. If you are reporting this account to the credit bureaus, under 15 U.S.C. 1681s-2, you are required to ensure the information is 100 % accurate and verifiable. If you can not validate this debt, you must immediately remove it from all credit reporting agencies. 

Furthermore, I am aware of my rights under state and federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney Generals office, and the Federal Trade Commission ( FTC ) if my rights are violated. 

Next Steps : If you can not provide sufficient documentation within 30 days, I expect written confirmation that you are ceasing collection efforts and removing any negative reporting. 
If you do validate the debt, I request written confirmation that you are not engaging in any deceptive, unfair, or illegal collection practices, and that all reporting is accurate. 

You are hereby notified that any further attempt to collect this debt without proper validation or any failure to comply with the law may result in legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-13 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: NV

Complaint narrative:
Im extremely frustrated by the errors on my report that are unfairly hurting my scores and blocking opportunities I should have access to. These mistakes have already caused setbacks I dont deserve.

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 2025-03-13 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: MN

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) (
1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXXXXXX XXXX XXXX  - Balance : {$1600.00} - Account # : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief