vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IA

Complaint narrative:
Complaint Regarding Payment Misreporting and Failure to Honor Pay-for-Delete Agreement Account # XXXX To the Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX this complaint against Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX account # XXXX ( original creditor : XXXX XXXX ( OK ) ). 

On XX/XX/year>, I made a payment of {$200.00} using my Visa card ending in XXXX, in accordance with a written payment in full and pay-for-delete settlement agreement from Columbia Debt Recovery LLC XXXX The agreement stated that upon receipt and clearance of my payment, they would consider the debt paid in full and request the full deletion of any negative information supplied to the credit bureaus regarding this account. 

I have attached : Payment confirmation showing the payment date as XX/XX/year> ( # XXXX ). 
XXXX account summary incorrectly showing my last payment date as XX/XX/year>. 
Screenshots showing that my account still reflected an amount due of {$200.00} after I had paid in full. 
The pay-for-delete settlement letter dated prior to payment. 

Issues : XXXX. Misreporting Payment Date : The companys system reflects the payment date as XX/XX/year>, instead of the actual payment date, XX/XX/year>. This is incorrect and could cause inaccurate credit reporting. 
XXXX. Failure to Honor Agreement : Despite full payment per the settlement letter, my account was not immediately updated to {$0.00}, and I have not received confirmation that the deletion request to the credit bureaus has been processed as promised. 
XXXX. Potential Negative Impact on Credit : Any delay or failure in updating my account status and removing negative reporting violates the written terms of the settlement and may cause continued harm to my credit profile. 

I have acted in good faith by paying in full according to the agreed terms, and I expect the company to honor its written commitments without delay. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 accounts was never late! I have had exceptional payment history with XXXXl XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXXSC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # 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 2025-08-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Summary of the problem ( what happened ) : I discovered an inaccurate collection tradeline placed on my Experian credit report by XXXX XXXX XXXX ( original creditor listed as XXXX XXXX  ) for an alleged balance of {$12000.00}, account ending XXXX, placed/updated XXXX XXXX. This item is not mine OR is reported inaccurately and Experian has failed to remove it despite this being disputed and despite Experians statutory obligations under the Fair Credit Reporting Act ( FCRA ). A copy of my Experian report showing the XXXX entry is attached. 

Why this is inaccurate/ my dispute : XXXX has not produced any admissible documents that tie this alleged debt to me : no original signed contract showing my signature, no original account number matching the number on my file, no full payment history from XXXX XXXX, and no valid bill of sale or chain of assignment proving XXXX legally owns this account. 
Experians file currently shows the tradeline and balance ( {$12000.00} ) despite my dispute, and Experian has failed to provide the documentation it or the furnisher relied upon to verify accuracy. Reporting an unverifiable collection violates Experians duty to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and Midlands duties as a furnisher ( 15 U.S.C. 1681s-2 ).

I have requested reinvestigation and demanded production of proof but have not received adequate documentation. The furnishers generic verification letters or form responses ( if any ) are insufficient. 

XXXX ( key dates shown on my Experian report ) : Date opened/ placed : XX/XX/year> ( per Experian ). inaccurate XXXX last updated : XX/XX/XXXX, XXXX 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 explanation
Consumer complaint received 2025-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Amongst checking my credit report, I see some inquiries that I did not authorize. These inquires are not recognizable. I did not open any accounts or attempted to do so with these companies nor did I authorize my credit report to be furnished with this data. I received a letter recently about a data breach and I'm unsure if that could be the cause of this but I may a victim to identity theft. These inquires below have not nor ever been authorized by me, which is furnishing my credit report with inaccurate information. I neber applied for any credit with these companies below.. 

XXXX XXXX XXXX -Cap One Auto Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
Amongst checking my credit report, I see some inquiries that I did not authorize. These inquires are not recognizable. I did not open any accounts or attempted to do so with these companies nor did I authorize my credit report to be furnished with this data. I received a letter recently about a data breach and I'm unsure if that could be the cause of this but I may a victim to identity theft. These inquires below have not nor ever been authorized by me, which is furnishing my credit report with inaccurate information. I neber applied for any credit with these companies below.. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I usually pay punctually, so this delay appears to be a mistakekindly check it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WA

Complaint narrative:
This is my FOURTH and FINAL formal identity theft complaint against Experian under FCRA 605B. I have already submitted my full identity theft package on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each time including an FTC Identity Theft Report, valid government-issued ID, Social Security XXXX XXXX and proof of address. Experian has repeatedly acknowledged the fraudulent nature of multiple accounts and deleted them ( e.g., 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  ). This selective removal is a clear, knowing, and repeated violation of FCRA 605B and 607 ( b ). There is no legal or factual basis for Experian to treat these fraudulent accounts differently from those already removed. This pattern of noncompliance demonstrates willful disregard for federal law and causes ongoing, irreparable harm to my creditworthiness, financial opportunities, and reputation. I am demanding immediate CFPB enforcement action, including but not limited to : ( XXXX ) compelling Experian to permanently delete these remaining fraudulent accounts, ( XXXX ) imposing civil penalties for repeated willful violations, and ( XXXX ) initiating a formal investigation into Experians pattern of selective blocking in identity theft cases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I have reported XXXX XXXX and XXXX XXXX  hard inquiries and they have not been removed. This is a violation of 605b under the XXXX. This causing extensive hardship in my life. They need to Remove all hard inquiries as requested, refurbish my credit score to the XXXX range as it was before these fraudulent transactions, my credit report with my credit score, access to the subscription service I previously purchased and a phone call stating that they have complied with the XXXX  with in 48 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. This company is reporting inaccurate information on my credit report. This company is violating my rights putting this on my credit. > 15 U.S.C 1681 section 602 A. States I have the right to privacy. > 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the account and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I took a taxi from XXXX XXXX to Ibis Styles XXXX XXXX ( approx. XXXX km ). I verbally agreed to a fare of approximately XXXX GEL ( {$15.00} USD ), based on local standards and app estimates. The driver charged XXXX GEL ( {$150.00} USD ) via my Capital One card without providing a receipt or showing the terminal, which is consistent with known taxi scams in the area. I disputed the charge with Capital One on XX/XX/year>, providing a XXXX app estimate ( XXXX GEL ) and other supporting evidence ( airfare ticket, hotel reservation on exact date ). The bank has not yet resolved the issue. I request a review to reverse the overcharge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
The FCRA limits the reporting of debt to 7 years. Consumer reporting agencies must correct or delete inaccurate information. Consumer reporting agencies can not report outdated negative information. 
15 U.S Code 1681c ( a ) : Requirements related to information contained in the consumer reports states : Information excluded from consumer reports : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than 7 seven years. 

I am disputing the antedated collection from : XXXX XXXX XXXX XXXX ( XXXX ). 
The original creditor, ( XXXX XXXX ), from which this collection is associated with documented the initial delinquency in XXXX  which was 7 years ago. Therefore, I am requesting that this derogatory mark on my credit profile be deleted immediately and that the CFBP enforces compliance of this deletion with the consumer credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
The FCRA limits the reporting of debt to 7 years. Consumer reporting agencies must correct or delete inaccurate information. Consumer reporting agencies can not report outdated negative information. 
15 U.S Code 1681c ( a ) : Requirements related to information contained in the consumer reports states : Information excluded from consumer reports : no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than 7 seven years. 

I am disputing the antedated collection from : XXXX XXXX XXXX XXXX ( XXXX ). 
The original creditor, ( XXXX XXXX ), from which this collection is associated with documented the initial delinquency in XXXX  which was 7 years ago. Therefore, I am requesting that this derogatory mark on my credit profile be deleted immediately and that the CFBP enforces compliance of this deletion with the consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
Statement Regarding Preferred Credit Inc Account In XX/XX/year>, Preferred Credit Inc reported a retail installment account with a balance of approximately $ XXXX. I had been making monthly payments as agreed until XX/XX/year>, when I entered into a debt resolution program through XXXX XXXX to settle this account. 
Since enrolling in the program, XXXX XXXX has collected funds from me and stated that payments were being made toward settlement with Preferred Credit Inc. However, the credit reporting continues to show an incorrect balance and recent late payment notations. These notations are inconsistent with the fact that the account has been in an active settlement process and should reflect the reduced agreed-upon payoff amount. 
I contacted Preferred Credit Inc in XX/XX/year> to confirm the status, and they acknowledged the account was in settlement negotiations. Despite this, my credit report has not been updated to show the correct balance or payment status, and the late payment reporting during the settlement period is inaccurate. 
I am requesting that the account be updated to accurately reflect the settled balance and correct payment history as of the date settlement negotiations began, and that any late payments reported after that date be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am filing this complaint against Bank of America due to their repeated failure to cooperate with credit reporting investigations and their ongoing refusal to provide any documentation or evidence supporting the alleged debt they are reporting. 

I previously disputed this account directly with Experian and submitted a formal affidavit denying responsibility. The tradeline was deleted from my credit file but has since been reinserted by Bank of America without notice or supporting documentation, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Additionally, Bank of America has now responded to multiple CFPB complaints by claiming they sent informationbut they have failed to send anything to me directly. I have received no validation, no itemization, and no written communication explaining the balance, account history, or justification for their continued reporting. 

Their pattern of behavior constitutes intentional noncompliance with the FCRA and CFPB guidelines. They are stalling resolution by hiding behind closed-door responses that leave the consumer with no path to challenge or clarify the debt. 

If Bank of America is unable or unwilling to furnish proof, they must not continue reporting this debt. At minimum, they are acting negligently. At worst, they are deliberately obstructing fair dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$23000.00}

Company response to consumer: Closed with non-monetary relief