vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Ive disputed this account repeatedly and even sent certified mail demanding validation. RNT Debt Collection has never provided a signed lease, payment ledger, or proof of ownership. What Ive gotten instead are threatening phone calls, including after-hours, trying to pressure me into paying something they cant even prove I owe.

Under FDCPA 809 ( b ), a debt collector can not continue collection without validation. Under FCRA 611 ( a ), the bureaus are not allowed to mark something as verified without documentation. Youve failed on both counts. Reporting this as an open, active collection when no balance is owed also violates XXXX XXXX XXXX and XXXX, which require accuracy and dispute coding. 
This is a factual dispute. The account is inaccurate, incomplete, and unverified. I want it immediately deleted and written confirmation of removal. If not, I will be pursuing legal action for your ongoing violations and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
Let me make it crystal clear that this complaint is entirely legitimate and demands your immediate and undivided attention.

My credit report contains blatant inaccuracies that fail to meet the mandatory standard of maximum possible accuracy.

These errors are inflicting serious and relentless negative impacts on my life, disrupting everything I hold dear.

I insist that these inaccuracies be thoroughly investigated and either corrected or removed without any further delay there is no room for excuses.

Resolving this issue is not merely necessary ; it is absolutely critical for my well-being and rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 am factually disputing the accuracy of the late-payment reporting by XXXX, XXXX XXXX XXXX student loan account. The data furnished to the credit bureaus is inconsistent and conflicts across Experian, Equifax, and TransUnion, which violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards ( 4.2 & 4.3 ) requiring uniform and accurate reporting. 
Here are the specific discrepancies : XX/XX/year> Reported as paid on time to all three credit bureaus. 
XX/XX/year> XXXX payment data was reported at all. 
XX/XX/year> Reported as 90 days late with Experian, on time with Equifax, and 90 days late with TransUnion. 
XX/XX/year> Reported as on time with Experian, 90 days late with Equifax, and on time with TransUnion. 
Nelnets written response claimed that late payments are not furnished until the account is 90 days past due and that emails are sent when a payment is missed. However, this does not satisfy federal requirements under FCRA 611, FCRA 623 ( a ) ( 8 ), or FDCPA 809 ( b ). XXXX has provided no records of communication, no billing statements, and no documentation proving I was notified of a XXXX or XXXX delinquency prior to reporting a XXXX late. 
Additionally, the reporting is logically inconsistent. I can not be reported 90 days late in XXXX if I was reported on time in XXXX and XXXX, and no data exists for XXXX. These contradictions clearly prove the account was furnished inaccurately and without proper verification. 

Here 's all the accounts you reported wrong to the bureaus : DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a company that publicly acknowledged impacting over XXXX XXXX borrowers with reporting and servicing errors, it is unacceptable that you have not corrected these clear inconsistencies on your own. You claim to always report accurately to the credit bureaus, yet I have clearly listed multiple examples proving otherwise. I need you to correct these errors immediately do your job, or I will be pursuing legal action for noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am factually disputing the accuracy of the late-payment reporting by XXXX, XXXX XXXX XXXX student loan account. The data furnished to the credit bureaus is inconsistent and conflicts across XXXX XXXXx, and TransUnion, which violates FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards ( 4.2 & 4.3 ) requiring uniform and accurate reporting. 
Here are the specific discrepancies : XX/XX/year> Reported as paid on time to all three credit bureaus. 
XX/XX/year> XXXX payment data was reported at all. 
XX/XX/year> Reported as 90 days late with Experian, on time with Equifax, and 90 days late with TransUnion. 
XX/XX/year> Reported as on time with Experian, 90 days late with Equifax, and on time with TransUnion. 
Nelnets written response claimed that late payments are not furnished until the account is 90 days past due and that emails are sent when a payment is missed. However, this does not satisfy federal requirements under FCRA XXXX, FCRA XXXX ( a ) ( XXXX ), or FDCPA XXXX ( b ). XXXX has provided no records of communication, no billing statements, and no documentation proving I was notified of a XXXX or XXXX delinquency prior to reporting a XXXX late. 
Additionally, the reporting is logically inconsistent. I can not be reported 90 days late in XXXX if I was reported on time in XXXX and XXXX, and no data exists for XXXX. These contradictions clearly prove the account was furnished inaccurately and without proper verification. 

Here 's all the accounts you reported wrong to the bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a company that publicly acknowledged impacting over XXXX XXXX borrowers with reporting and servicing errors, it is unacceptable that you have not corrected these clear inconsistencies on your own. You claim to always report accurately to the credit bureaus, yet I have clearly listed multiple examples proving otherwise. I need you to correct these errors immediately do your job, or I will be pursuing legal action for noncompliance.

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 2025-11-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several companies have illegally accessed my credit report, causing severe and direct harm to my credit standing and credit score.

I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be eliminated.

That promise has been blatantly broken these inquiries persist without any justification.

This outrageous failure to act is intolerable and shows a complete disregard for consumer rights. 
The ongoing presence of these clearly fraudulent entries is extremely alarming and strongly indicates identity theft. 
This unresolved issue is causing relentless emotional and financial harm that must be stopped immediately.

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 2025-11-11 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: WA

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with : Creditor Name : XXXX XXXX BANK XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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/year>

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 2025-11-11 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
They have yet again added more on the the debt it is now XXXX reports on EXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX they are currently and continue to hit my report with false amounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> - XXXX to Capital One 360 about my former name being on physical checks sent to merchants. First, customer service said the name on the checks was correct, and after much of my convincing, Capital One, said they were going to update it. 
XX/XX/year> - Same issue on the physical checks sent from Capital One billpay. I was bounced around to different departments and placed on hold to identify what department was going to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding an unfair and harmful action taken by XXXX  XXXX XXXX, XXXX. concerning my newly opened credit card account. 

I was recently approved for a {$20000.00} credit line from XXXX  XXXX XXXX. While traveling and temporarily away from home, my account became past due. Upon discovering this, I immediately contacted the bank and paid off the balance in full. Despite my prompt and responsible repayment in full, XXXX  XXXX XXXX reduced my credit limit from {$20000.00} to {$600.00}. 

This drastic reduction caused a disproportionate and unjustified impact on my credit profile, my credit utilization ratio spiked to approximately 90 %, resulting in a significant drop in my XXXX XXXX. I promptly reached out to XXXX  XXXX XXXX customer service and XXXX relations departments to request a review and goodwill reinstatement. Despite my clear demonstration of good faith, the bank declined to rectify the issue or restore my original credit limit. 

I believe this action represents an unfair and punitive practice that fails to consider responsible corrective behavior by consumers, particularly new customers. I am requesting that the CFPB : XXXXXXXX XXXX XXXX  XXXX actions and policies regarding sudden credit limit reductions after full repayment. 

Request that XXXX XXXX XXXXXXXX restore my prior credit limit ( or a reasonable portion thereof ). 

Require that the bank report the restoration to all credit bureaus to correct the negative impact on my utilization ratio and XXXX XXXX. 

Ensure fair treatment and transparency in how financial institutions handle new customers who promptly resolve issues in good faith. 

Thank you for your attention to this matter. I respectfully request your assistance in resolving this issue and preventing similar harm to other consumers. 

Sincerely, 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 2025-11-11 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 explanation
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I am contacting you in a formal legal capacity pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). This is a NOTICE OF DISPUTE and a demand for immediate reinvestigation and deletion. 

Experian is currently publishing, accessing, storing, and disseminating information which you have no permissible purpose or legal right to report. The following accounts MUST be removed immediately : 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In addition the following address is NOT associated with me and MUST be removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Experian is in violation of my federally-protected consumer rights to privacy and confidentiality under : FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S.C. 1681i You are hereby on NOTICE that Experian is reporting inaccurate, unverifiable, unauthorized consumer information that you have not validated with any proper method of verification. You are required BY LAW to reinvestigate and delete any item that can not be verified within 30 days. If Experian continues to report these accounts without proper verification procedures that constitutes willful 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 2025-11-11 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1500.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1900.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$18000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$2300.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 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