vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
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:
Account wrongfully opened, they will not remove it after speaking multiple times.

15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am filing this complaint concerning an inaccurately reported late payment by XXXX XXXX that appears on all three of my credit reports under the following details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/year> - Past Due : {$0.00}. * * This account is currently reported as paid and current, yet it simultaneously shows a late payment notationa direct contradiction that violates the Fair Credit Reporting Acts accuracy requirements. If an account has a past due balance of {$0.00} and is marked current, there should be no delinquency status associated with it. Reporting a late payment on a current and paid account misrepresents the actual account condition and damages the integrity of my credit profile.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain reasonable procedures to assure maximum possible accuracy of the information they report. Likewise, under 15 U.S.C. 1681s-2 ( a ), furnishers such as XXXX XXXX have a legal duty to report only information that is complete and accurate, and under 1681s-2 ( b ), they must promptly correct or delete inaccurate or unverifiable information once it is disputed. By reporting this contradictory and misleading informationmarking an account as current while also implying delinquencyXXXX XXXX and the credit bureaus are violating these statutory obligations. 

Furthermore, the account in question carries a reported Past Due amount of {$0.00}, meaning there is no outstanding balance. The very presence of a late payment notation under these circumstances is not only inaccurate but logically inconsistent. It is impossible for an account to be both paid and current and simultaneously late. Such inconsistencies are the kind of data errors the FCRA was explicitly designed to prevent. 

Despite my efforts to resolve this issue directly with the credit bureaus and the furnisher, I have received no substantiated documentation or explanation. Instead, I have been met with automated verifications that fail to address the factual contradiction in the reporting. This lack of proper reinvestigation violates my right under 15 U.S.C. 1681i, which mandates that disputed information be thoroughly and independently verified.

This false delinquency mark has caused harm by lowering my credit score, affecting my ability to qualify for favorable credit terms, and creating unnecessary financial and emotional stress. The fact that this inaccurate late payment is present across all three credit bureaus only amplifies the damage and demonstrates a systemic failure in both data furnishing and credit bureau verification processes.

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 2025-10-14 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:
Experian has multiple loop holes to not allow a person to speak to a live person, The automated system is incompetent and you have to trick the system to even get support. I have been calling fo3 3 consecutive days, with someone-having access to my report information with no help.

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 2025-10-14 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and Transunion data breach, which makes me worry about my personal data 's security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : Equifax XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, Wells Fargo credited my charge card with the amounts of a fraudulent transaction, a fraudulent cash advance on my then credit card, which was later closed. As I have lost confidence in the security of Wells Fargo 's consumer banking system ( my online bank page was compromised ), I have suspended transactions on my credit card. I have repeatedly requested that the credit balance on my charge card either be transferred to my Wells Fargo checking account or distributed to me by check. Despite repeated verbal requests to the number on the back of my charge card, the credit balance remains in my account, and Wells Fargo has the use of these funds interest-free. I am trying to obtain the value of the credit balance on my Wells Fargo charge card.

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 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
On XX/XX/year>, I called XXXX, my insurance company because my medical bill went to collections after I disputed the bill with the hospital. XXXX transferred me on the phone with FMA Alliance, the debt collection company. I was put on the phone with XXXX XXXX. I was trying to explain to her the errors on the bill along with amounts however, I was met with combativeness and disrespect. I was trying to explain the things I did not consent to and she told me it doesn't matter they doctors can do what they want to treat a patient. I told her I know that is not true because I'm an attorney. She began to taunt me. I felt like I was in the XX/XX/XXXX again with a schoolyard bully. She would not listen to me when I was telling them about the services, I did not receive that were on the bill. I had to ask at least 3 times to be transferred to someone else. 

I asked to be transferred to someone else. I was then transferred to XXXX who was also a part of the management team. I tried to reassure that my experience with XXXX was not the experience I wanted to have with her. I told her I just needed some understanding that I wanted to resolve what I believed inaccurate and unreasonable billing. I tried to explain this to XXXX. I told her about the disputed amounts and the unreasonableness of the amounts billed. For example, I was charged {$530.00} for a XXXX test, when I already told them I was pregnant and they my XXXX was in the same hospital, and she had already taken a XXXX test that week. She refused to try to resolve it or even consider that {$530.00} for a XXXX test that I did not ask for was unreasonable. 

I believe I was being overbilled and wrongfully billed for a XXXX test, a XX/XX/XXXX test, and XXXX ultrasound. I tried to explain the discrepancies, but I kept getting interrupted, was disrespected, taunted and aggressively treated. I am 3 monthsXX/XX/XXXX and am recovering from XXXXXX/XX/XXXX This is the last thing I needed but I will always stand up for myself. I had to hang up the phone because of the way I was being treated. When I tried to stand up for myself, I was told that I was trying to create a " narrative. '' I was never treated like a person. This has been an indescribably terrible experience for me. Now I can not even get this debt resolved because of the flagrant abuse I've experienced from FMA Alliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfuXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Opened capital one secured credit card. Filed bankruptcyXX/XX/XXXX Called to pay off card and was told XXXX closed my card immediately In bankruptcy filing. Was told I would get {$1000.00} deposit refund back after bankruptcy discharge because acct was closed b4 it could be applied. Have not received {$1000.00} deposit requested by XXXX bankruptcy attorney. Everytime I call recovery department given different sewers no one knows anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I financed a {$5300.00} purchase from XXXX XXXX XXXX through Bread Financial ( Loan # XXXX ). The delivered product was defective and unfit for use. XXXX acknowledged the issue and promised a refund or replacement but failed to act despite multiple written confirmations. Bread Financial continues to XXXX and maintain the active loan during this unresolved dispute. Both companies have violated the Truth in Lending Act, Fair Credit Billing Act, and NJ Consumer Fraud Act. I am requesting immediate loan cancellation, a full refund, and CFPB investigation into deceptive business conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-14 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXXXXXX

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 2025-10-14 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: PA

Complaint narrative:
On XX/XX/year> I received dispute results electronically from Transunion in response to a complaint initially filed on XX/XX/year> with the CFPB. The original complaint id is : XXXX. The file identification number assigned to my dispute with Transunion is XXXX. 

This letter serves as a formal request pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 6 ) and ( 7 ), regarding the outcome of your recent investigation into items I previously disputed on my TransUnion XXXX report. 

Your reinvestigation results indicate that XXXX or more items were " verified as accurate ''. Under federal law, I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information, including : XXXX. The name, address, and telephone number of each source you contacted in your verification process ; XXXX. A copy of all your documents or correspondence you relied upon to conclude the items were verified as accurate ; and XXXX. A specific explanation of how TransUnion determined that the furnisher 's response constituted " verification '' under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

If you can not provide the exact method of verification and documentary evidence supporting the continued reporting of the disputed items, then I demand that you delete all items previously disputed from my consumer file within XXXX week of receiving this notice, as you will be in violation of 1681i ( a ) ( 5 ) for failing to maintain accuracy and completeness. 

Please respond to this request in writing within the time allowed by law. Failure to comply will result in formal complaints being filed with the CFPB, FTC and State Attorney General 's office for noncompliance with the FCRA. I will also pursue my options for litigation.

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