vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a seventh follow up complaint as a concerned consumer to request a full correction of several items that are being inaccurately reported across my credit files. This request is being submitted under the protections of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 1666 Correction of Billing Errors, and FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Information. 
I want to make it clear that this is not a removal request. I am requesting correction only, because the information being reported does not match my actual account details and is creating confusion for lenders who review my credit profile. 
Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently being reported with a Balance Owed of {$130.00}, appears differently across Experian, Equifax, and TransUnion, even though it is the exact same account. Each bureau is showing inconsistent or conflicting reporting patterns such as differences in how the account is updated, how the activity history is displayed, and how the balance is reflected which violates the standard of maximum possible accuracy required by the FCRA. 
I understand that each bureau receives information independently ; however, under the law, furnished data must still be accurate, complete, and consistent once it appears in a consumers file. These inconsistencies are affecting the interpretation of my creditworthiness, and therefore I am requesting that all three credit bureaus reinvestigate this account, verify the correct information with the furnisher, and ensure that the corrected data is fully aligned across all reporting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian keep rejecting my disputes I am sending by certified mail. This is against the FCRA. Like this is the second dispute response stating it didnt appear to have came from me. This is a stall tactic and a way to make consumer dispute online of Which I refuse to do. Placed on all Disputes that I sent them and yet they still deny investigation.

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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am not affiliated with COLUMBIA DEBT RCVY GENES I, and I only acknowledge XXXX XXXX XXXXXXXX as the original creditor. I feel they sold my account to a collection agency without properly informing me, which is definitely a violation of my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Sending an re-investigation complaint Bank Name : XXXX  XXXX XXXX XXXX  Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Current Account Status : Post No Debits Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Old address found XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX, XXXX XXXX XXXX New addresse found XXXX XXXX XXXX XXXX tx XXXX I don't have ownership of this account listed above which still appears on my early warning services report, even after Investigation by Early warning signs I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated of my early warning services report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple inaccurate and unauthorized items on my credit report : XXXX XXXX  Card ( Ending XXXX ) : Account closed without my consent ; I requested a credit line increase. Credit score dropped XXXX points. Request : Reopen account, restore credit limit and points, remove all inaccurate inquiries or reporting. 

XXXX Credit Card ( XXXX ) : Shows XXXX late payments inaccurately due to government shutdown delays. Payments were made on time. Request : Correct payment history to on-time and recalculate credit utilization. 

Child Support Account Reporting : Late payments reported despite timely payment during the government shutdown. Request : Remove inaccurate late payment marks and correct reporting to prevent further negative impact. 
Legal Basis : These actions violate FCRA 15 U.S.C. 1681, 1681i, 1681s-2, which require accurate reporting and prompt correction of inaccuracies. 

Requested Resolution : Correct all inaccurate reporting, restore my credit score, and provide written confirmation of corrections.

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 2025-12-03 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: PA

Complaint narrative:
I am really distressed that these inaccurate accounts keep appearing on my credit report and they have not been taken off at all. I am begging for the documents I attached to be checked carefully so I can finally stop living with this constant fear and confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This statement is submitted to assist in the full and accurate resolution of the reporting issues regarding the XXXX XXXX XXXX and XXXX accounts appearing on my TransUnion credit report. 

After reviewing the information being reported, it is my position that : The XXXX XXXX XXXX and XXXX accounts are connected to the same underlying auto loan. 
XXXX is reporting a collection balance that directly relates to the XXXX XXXX XXXX repossession deficiency. Reporting both as if they are separate debts is inaccurate and misleading. 

The XXXX XXXX XXXX balance is incorrect. 
The vehicle tied to this account was sold at auction, yet the balance on my TransUnion file does not reflect the reduced deficiency amount. Instead, the pre-auction charge-off balance is still being reported. 

XXXX only reports to TransUnion, creating inconsistency and the misleading appearance of multiple independent debts for the same obligation. 

Requested Resolution To resolve this matter in accordance with FCRA 602 ( A ), 607 ( B ), and 623 ( a ), I request : Correction of the XXXX XXXX XXXX balance to reflect the true post-auction deficiency amount, or deletion if it can not be verified. 

Correction or removal of the XXXX collection if it can not be verified as a separate, independent debt. 

Ensuring that all information reported is accurate, consistent, and non-duplicative. 

Please notify me in writing once the reinvestigation is complete. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-03 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 
XXXX. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 
XXXX. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CREDIT BUREAU DISPUTE LETTER ( UNAUTHORIZED ACCESS / NO PERMISSIBLE PURPOSE ) Your Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, ZIP : XXXX, CA XXXX Date of Birth ( optional ) : XX/XX/year> Last 4 digits of SSN : XXXX Date XXXX XXXX To : Credit Reporting Agency ( Equifax  / XXXX  XXXX TransUnion ) RE : FORMAL DISPUTE UNAUTHORIZED CREDIT INQUIRY / ACCOUNT FCRA VIOLATION NO PERMISSIBLE PURPOSE IMMEDIATE REMOVAL DEMANDED To Whom It May Concern, I am writing to formally dispute inaccurate and unlawful information appearing on my consumer credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

An account and/or inquiry from : Company Name : XXXX INACCURATE INFORMATION is being reported without my written authorization, written consent, or lawful permissible purpose.

NOTICE OF LEGAL VIOLATION Under 15 U.S.C. 1681b ( Permissible Purpose ), a company may not access or furnish my consumer credit report without a valid purpose.

Under 15 U.S.C. 1681q, illegal access of a credit report under false pretenses may result in federal penalties.

Under 15 U.S.C. 1681n / 1681o, I am entitled to damages for willful or negligent violations of the FCRA.

At no time did I authorize this company to obtain or report my credit information.

FORMAL DEMAND I am demanding the following actions under FCRA 611 : 1. Immediate deletion of this inquiry or account.

2. Written proof of permissible purpose including : Original signed authorization Contract or application Timestamped access logs 3. Written confirmation of deletion sent to my address.

4. An updated credit report once corrected.

If you can not verify this item with legal documentation, it must be removed.

DEADLINE Under federal law, you are required to complete your investigation within 30 days.

Failure to remove unverified information constitutes a continued violation of federal credit law.

I am documenting this correspondence and preparing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney General Civil Claims Court ( if necessary ) CERTIFICATION I certify that this dispute is accurate under penalty of perjury. 

Printed Name : XXXX XXXX XXXX Date : 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 2025-12-03 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: PA

Complaint narrative:
I am submitting this complaint because my credit report contains multiple inaccuracies that misrepresent my credit history, and I am seeking a fair resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). By law, I am entitled to a credit report that is accurate, complete, and verifiable, as supported by FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ), 611, 605 ( a ), 605 ( a ) ( 4 ), 605 ( a ) ( 5 ), 609, 602 ( a ), 604 ( a ), and 15 U.S. Code 1666 and 1666a. 
The first account, XXXX XXXX XXXX XXXX, reports a {$0.00} balance but shows a last activity date of XX/XX/XXXX and a last payment of XX/XX/XXXX, which are contradictory. This inconsistency makes it impossible to verify the account accurately. I request that this account be corrected or updated to reflect accurate and verifiable information. 
There are multiple XXXX/DOFED accounts reporting balances of {$2900.00}, {$4100.00}, {$2300.00}, {$1600.00}, {$2900.00}, {$7100.00}, {$1400.00}, {$3800.00}, {$3300.00}, {$200.00}, {$9400.00}, {$4100.00}, {$3000.00}, {$9100.00}, and {$4700.00}. All of these accounts list a last activity date of XX/XX/XXXX but report no payment history. Given that these accounts have different opening dates between XXXX and XXXX, it is not reasonable or accurate for them to all share identical activity dates without verification. I am requesting that each account be individually reviewed and updated with verifiable records. 
Additionally, late closed accounts contain inaccurate information. XXXX XXXXXXXX XXXX XXXX XXXX XXXX reports a last payment of XX/XX/XXXX but a last activity date of XX/XX/XXXX, which is inconsistent. XXXX XXXX  XXXX shows a {$0.00} balance with a last activity and last payment date of XX/XX/XXXX, also reported inconsistently. These discrepancies must be corrected or updated to reflect accurate, verifiable account history.

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 2025-12-03 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 am filing a complaint against Experian for reporting inaccurate information on my credit report. I requested validation of the debt, but they only responded that it was verified without providing any supporting documentation. 

I then requested a re-investigation and the method of verification, but they have not provided either. Despite this, they continue to report the account, which I believe is inaccurate and harmful to my credit. The XXXX XXXX XXXX Account is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: SC

Complaint narrative:
Upgrade Inc Account XXXX lists a charge-off or delinquency without current validation or evidence of continued liability. Please provide original signed contracts and payment histories or remove immediately per FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion, and XXXX  have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report 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 2025-12-03 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 respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I am disputing this that because it is a result of identity theft and is not mine. It appears on my credit report and has been to sent your agency under my name. The account in question : XXXX XXXX XXXX XXXX in the amount of {$380.00}. I didn't open this account and have never authorized any transactions associated with it. I have filed a police report. Under FCRA I am requesting that you : 1. Remove this fraudulent account from my credit report. 2. Cease all collection activities related to this account. 3. Provide written confirmation that the account has been removed and will not be reported further. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation