vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
I pulled credit bureaus at the beginning of XX/XX/XXXX. There is a collector on my account I don't know this account. I sent XXXX XXXX a letter for debt validation on XX/XX/XXXX and they received it on XX/XX/XXXX. On XX/XX/XXXX received response in mail from XXXX XXXX stating they sent me verification of above referenced account. They sent me summary of account activity. That is not validation. ( I have attached documents below )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) related to their failure to properly investigate and correct inaccurate information on my credit reports. 

Despite submitting multiple disputes over the past several months, including one more than 35 days ago, all three credit bureaus have failed to remove, correct, or provide documentation supporting the continued reporting of the disputed accounts. Their repeated inaction demonstrates a willful disregard for my rights under the FCRA.

The credit bureaus are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a clear and complete method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting consumer information. 

To date, none of the credit bureaus have provided the method or procedures used to verify the disputed accounts, documentation relied upon for verification, or full contact information for the furnishers of the data. These omissions directly violate federal law and prevent me from understanding or addressing the alleged information reported. 

Their noncompliance has caused ongoing harm to my credit standing and financial reputation.

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 2025-11-12 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 submitting to formally dispute the inaccurate late payment information being reported on my credit file for the account listed below. After reviewing my credit report and payment records, I have identified that the information reported does not accurately reflect my payment activity. I am requesting that this account be corrected and updated to display its accurate and verified payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} This dispute is being made in accordance with the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies and furnishers to ensure the maximum possible accuracy of all information contained in consumer credit reports.

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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
In XXXX, I submitted a mortgage application with Navy Federal Credit Union. Almost immediately, I encountered bait and switch tactics, cloaked as representatives who gave misinformation, starting with the type of loan and mortgage rate I was quoted. I accepted these changes due to the No Refi Rate Drop program that was uniquely offered by Navy Federal Credit Union. 

Last year, I contacted Navy Federal Credit Union to utilize this benefit and was told that the loan type I had was not eligible for the program. I submitted an appeal with written documentation from XXXX XXXX, Mortgage Loan XXXX XXXX ( XXXX  # XXXX ) from XX/XX/XXXX in which he confirmed that the loan was, in fact, eligible for the program. The appeal was directed through various levels ; ultimately XXXX XXXX, Manager Mortgage Originations ( XXXX  # XXXX ) was the final representative who facilitated the appeal of an exception acknowledging that the mortgage is eligible for, what is now known as, the XXXX XXXX XXXX program. As such, I was able to process my first rate reduction in XXXX of XXXX. 

One condition of the program is that it can only be utilized 6 months after the previous reduction. Throughout the summer, I contacted NFCU to obtain current rates in order to determine if a rate reduction was warranted. It was explained to me that the rates are personalized and not based upon published market rates. As one representative stated, the computer runs a formula and generates the rate on a loan-by-loan basis. I continued to call into the fall as mortgage rates dropped, however the had not dropped low enough. On XX/XX/XXXX, I spoke with XXXX ( XXXX # XXXX ) who stated that my loan was ineligible, she did not see a note on the account and she was unable to provide me with a rate because the computer wouldnt provide one. I was transferred to XXXX ( XXXX  # XXXX ), then XXXX ( XXXX # XXXX ), neither of whom could explain why my loan was no longer eligible. XXXX informed me that he would escalate my concern. 

On XX/XX/XXXX, I emailed XXXX XXXX who facilitated the appeal and told me that my account would include a notation about eligibility for the program, requesting her assistance. I received an auto-response that XXXX XXXX was out of the office and to forward communication to XXXX XXXX XXXX Supervisor, Mortgage Originations ( XXXX # XXXX ). XXXX XXXX acknowledged receipt on XX/XX/XXXX. On XX/XX/XXXX, he again emailed indicating that there is a request for leadership to contact me, pending a response from XXXX supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am sending to provide a detailed, chronological narrative regarding several accounts reported on my credit file, as I have identified multiple inaccuracies and inconsistencies that I believe do not reflect the true history of my accounts. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate, complete, and verifiable information and provides consumers the right to dispute any information that is inaccurate, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX Balance {$8400.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> LATE 30, 60, 90 DAYS XXXX  XXXX Balance {$100000.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> LATE 90, 120 DAYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am sending to provide a detailed, chronological narrative regarding several accounts reported on my credit file, as I have identified multiple inaccuracies and inconsistencies that I believe do not reflect the true history of my accounts. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate, complete, and verifiable information and provides consumers the right to dispute any information that is inaccurate, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX Balance {$8400.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> LATE 30, 60, 90 DAYS XXXX  XXXX Balance {$100000.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> LATE 90, 120 DAYS

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 2025-11-12 00:00:00
Product: Debt collection — Rental 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: TX

Complaint narrative:
From XXXX XXXX XXXX, I was billed by XXXX for utilities at an apartment managed by XXXX. Starting in XX/XX/year>, I began receiving a flat {$170.00} {$200.00} central cooling/XXXX  charge every single month, even when I was not using my AC. My utility bills doubled from ~ $ XXXX to {$350.00} $ XXXX with no change in usage. 

I reported the issue multiple times. XXXX later left a voicemail confirming that the XXXX  meter was not reading correctly and that I had been overcharged. Despite this, billing continued at the same inflated amount. The apartment even instructed me not to use my AC for a month while they tested the meter, yet continued charging me the same XXXX  fee during that time. 

I requested itemized billing statements showing actual meter readings and usage. XXXX and XXXX never provided the required documentation. Instead, they continued charging a flat amount that had nothing to do with my usage. 

I overpaid hundreds of dollars over the course of the year due to their incorrect billing. During my final month, when I had already vacated the unit and all utilities were turned off, they still billed me over {$300.00} and now want backpay, even though they had already received a surplus from me. Based on the incorrect charges, they should be refunding me, not attempting to collect additional money. 

They are attempting to collect a debt that is not valid. This debt is the result of misread/inaccurate utility billing, and I was charged for services not used. I am requesting the balance be removed and any negative credit reporting deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 submitting to formally dispute, for the second time, the reporting of late payments on my Equifax and TransUnion credit report that I have determined to be inaccurate. The account in question is my XXXX XXXX XXXX XXXX XXXX XXXX account, opened on XX/XX/XXXX, with a balance of {$5700.00}. This account is incorrectly reported as 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, even though my records indicate these late payments are inaccurate. My last verified payment on this account was made on XX/XX/XXXX. 
The continued reporting of these inaccurate late payments misrepresents my credit history and adversely affects my creditworthiness. It is crucial that my credit report accurately reflects my responsible payment behavior. Reporting unverifiable or incorrect late payments contributes to inconsistencies between credit bureaus and undermines the accuracy and completeness required under federal law. 
Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. Equifax is required to conduct a reasonable reinvestigation of this account, including contacting the account furnisher to verify the reported late payments. If verification can not be obtained, or if the information is found to be inaccurate, it must be corrected and updated to reflect the accurate payment history.

Additionally, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681c ( a ) prohibits reporting incomplete, misleading, or inaccurate information that misrepresents the status or history of an account.

Furthermore, under 12 C.F.R. 1022.43 and 1022.44 ( Regulation V ), Equifax must notify

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 am filing this complaint because my credit report with Equifax contains a fraudulent collection / charge-off account that I did not authorize, open, or provide. 

My report shows a collection account reported by XXXX XXXX  XXXX, Account Number XXXX, classified as COLLECTION ( chargeoff ) with a balance of {$13000.00}, reported on XX/XX/2022. 
I did not open this account, authorize it, apply for it, nor have any knowledge of it. Its presence on my credit report is harming my creditworthiness and is a direct violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX ( b ) Equifax is required to maintain maximum possible accuracy in the information it reports. 

XXXX U.S.C. XXXX ( a ) ( XXXX ) Any unverifiable or inaccurate information must be permanently deleted. 

XXXX U.S.C. XXXX The furnisher is prohibited from reporting false, unverified, or inaccurate information. 

FDCPA XXXX Prohibits false, misleading, or deceptive representations of alleged debts. 

I am demanding the immediate investigation and permanent deletion of the fraudulent collection / charge-off account reported by XXXX XXXX XXXX, Account # XXXX. 

Any failure to remove this information will be considered willful noncompliance with federal law, and I reserve my right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursue all remedies available under XXXX U.S.C. XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX, against Equifax and XXXX XXXX XXXX XXXX XXXXXXXX for reporting false and contradictory credit information. Equifax shows multiple XXXX student loan accounts as XXXX  Days Late as of XX/XX/year>, while those same accounts are listed as In Good Standing with 100 % on-time payment history. This inconsistency is impossible and violates the Fair Credit Reporting Act ( FCRA ) accuracy requirements. 

XXXX XXXX submitted a written dispute to Equifax on XX/XX/year>, but the bureau has failed to investigate or correct the false information. These actions represent willful noncompliance with FCRA 611 and 623 ( b ). The false reporting has harmed XXXX XXXX credit score and reputation. 

We request the CFPB investigate and order Equifax and XXXX to delete all inaccurate XXXX  Days Late entries, confirm the accounts as current, and improve their reporting controls to prevent future violations. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NH

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section XXXX ( U.S.C XXXX ). As someone who has been affected by identity theft and equifax data breach. I have the right to request that any fraudulent information be removed from my credit report. The fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 


BANK XXXX XXXX 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I am not liable for the alleged debt with XXXX XXXX XXXX XXXX I have no contractual relationship with Capital Management Services LP, and they have not provided the original signed contract validating this debt as requested. Therefore, I dispute the validity of this claim and request that all collection activity cease until proper documentation is provided.

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 2025-11-12 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief