vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. its my understanding that Equifax will investigate this account for me to insure accuracy Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX ( account number : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Other 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: CA

Complaint narrative:
XX/XX/XXXX Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern, Im writing for the XXXX time to you regarding a debt that appears on my credit report under your company name, Columbia Debt Recovery, with a balance of {$4000.00} and an original balance of {$3700.00}, allegedly opened on XX/XX/XXXX. I am formally requesting a validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Pursuant to this law, I respectfully request the following information : 1. Proof of the original debt and itemized accounting of the total amount, including how interest, fees, or other charges were calculated. 
2. A copy of the original signed contract or agreement with your company or the original creditor showing that I agreed to this debt.

3. The name and address of the original creditor, along with the original account number.

4. The date the account was opened, and the date of the last payment made, if any.

5. Proof that you are authorized to collect debt in the State of California.

6. A copy of the debt validation notice as required by 15 U.S.C. 1692g ( a ) if one has been sent. 

Until you provide the requested validation, including all documentation proving the debt is mine and legally enforceable, I request that you cease all collection activities, including reporting this account to credit reporting agencies. 

Please consider this letter a formal dispute of the alleged debt, and a request for full validation. If you can not provide this information, you must remove the account from all credit reporting agencies per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and cooperation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-07 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: MI

Complaint narrative:
XXXX XXXX XXXX account is reporting inaccurate and wrongful information in violation of the Fair Credit Reporting Act ( FCRA ), the XXXX agreement with consumer reporting agencies, and established reporting standards. This inaccurate reporting is causing significant harm to my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. Its my understanding that the give credit bureau will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX XXXX 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 2025-04-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Failure to Provide Documentation To Whom It May Concern, I am writing to formally dispute the alleged debt associated with account [ # XXXX ] that you claim belongs to me. I previously requested validation of this debt, including documentation with my original signature proving that I opened this account. However, to date, I have not received any such validation or documentation from your company. Additionally, I have noticed that the name on the account does not match my legal name or the correct spelling of my name. This raises further concerns regarding the accuracy and legitimacy of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request proper validation of this debt. Since you have failed to provide the required documentation, I request that you cease all collection efforts and remove any related negative reporting from my credit report immediately. If you continue to attempt to collect this debt without proper validation, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Please provide written confirmation of your decision regarding this matter. I expect a response within XXXX days from the date of this letter. 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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: VT

Complaint narrative:
I have been working to repair credit report and noticed a collection account from CBM collections LLC and it said XXXX XXXX XXXX XXXX. Its a violation of XXXX to share my personal medical information with a collections servicer. They refused to remove account.

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 2025-04-08 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: VT

Complaint narrative:
I have been working to repair credit report and noticed a collection account from XXXX XXXX XXXX and it said XXXX XXXX XXXX XXXX. Its a violation of HIPPA to share my personal medical information with a collections servicer. They refused to remove account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
On XX/XX/year> I applied for a home loan through a loan officer. The report that was sent to me for my denial was that Equifax reported my credit score as a XXXX. My credit is not a XXXX, but is a XXXX. On the date that my credit was ran, it was a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-08 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-08 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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.

Complaint narrative:
I found inaccuracies on my personal information reporting to my Experian report.

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 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
My money is going faster than I'm spending it. My accounting does not look correct. I believe this bank called " Current '' is taking my money along with XXXX. Please can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-08 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion Credit Services Credit Reporting Agency ATTN : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject XXXX Dispute Reinserted Accounts in violation of 15 USC 1681i ( 2 ) a Accounts : XXXX XXXX XXXX XXXXXXXX I am writing in regards to accounts placed on my credit profile that I have no knowledge of nor have I given any written consent for them to be furnished. The accounts listed above were investigated, deemed unverifiable and removed from my credit report. I checked my credit report and noticed these accounts have been placed back on my credit profile. By doing so, your company has violated my consumer rights. Your company has the responsibility of reporting maximum accuracy to my credit report and following protocol. Under FCRA, these accounts can not be reinserted into my consumer profile without written notice within 5 business days, which is now in violation of 15 USC 1681i ( 2 ) A. Not only was I never notified but your company has violated multiple of my consumer rights under the FCRA.

Reporting accounts that I have not given any written permission is in violation of 15 USC 1681 Furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 Failing to report maximum accuracy to consumer profile is in violation of 15 USC 1681 ( E ) B Please note that your company has failed to complete your due diligence by furnishing accounts without complete verification and reporting inaccurate information more than once. Your company has a legal obligation to the protection and privacy of my legal information. Please delete the accounts immediately. 

Best Regards, 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 2025-04-08 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX and Equifax Information Services LLC for reporting an unverified, inaccurate, and fraudulent collection account on my credit report. 

Despite multiple disputes submitted directly to Equifax and XXXX XXXX, the account continues to be reported without proper validation. I have never received a signed contract, original agreement, proof of debt ownership, or any supporting documentation establishing that I owe this alleged debt. Both companies are in direct violation of federal consumer protection laws.

Specific Violations Include : 15 U.S.C. 1692g ( b ) Diversified Adjustment failed to validate the debt after I requested verification multiple times.

15 U.S.C. 1681i ( a ) ( 1 ) Equifax failed to conduct a reasonable investigation and continued to verify false information.

15 U.S.C. 1692e ( 8 ) False, deceptive, and misleading reporting by both entities by furnishing inaccurate information knowingly.

12 U.S.C. 5531 & 5536 Unfair and deceptive acts or practices by continuing to report a debt without verification or legal standing.

26 U.S.C. 6050P Failure to issue a 1099-C, which is required when debts are canceled, settled, or written off.

I am seeking the following resolution : 1. Permanent deletion of the collection account from all consumer credit reports.

2. {$10000.00} in damages for willful and negligent violations ( {$5000.00} from each party ).

If this matter is not resolved promptly, I will pursue additional legal remedies through small claims court, file complaints with the FTC and IRS, and seek punitive damages under 15 U.S.C. 1681n.

I respectfully request the CFPB to assist in ensuring compliance and to hold both companies accountable for their unlawful and deceptive actions. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUHTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: WI

Complaint narrative:
I am disputing a medical debt that was sent to collections by Americollect Inc. The debt is invalid because I was fully insured through XXXX XXXX XXXX at the time of service. 

I was never properly notified of this debt, and I never received a detailed bill, verification of the charges, or proof that my insurance was billed. Americollect began collections without offering me a fair opportunity to resolve the matter. 

I have since reached out to XXXX XXXX XXXX and am in the process of gathering records that confirm my active coverage at the time of the medical service. This bill should never have been sent to collections. Americollect has not provided validation of the debt, and their failure to pause collection activity is impacting my credit unfairly. 

I am requesting that Americollect be required to : Provide full documentation of the debt Cease all collection and credit reporting activities until validation is complete Remove any inaccurate credit reporting I also request support in ensuring my rights under the Fair Debt Collection Practices Act are upheld. I am a consumer trying to resolve this in good faith and should not be penalized for insurance system errors or lack of communication from the provider or collector.

Company response to consumer: Closed with explanation