vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: WA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-09 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: CA

Complaint narrative:
XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS- XXXX XXXX {$20000.00} XXXX {$1300.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block some of the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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: TX

Complaint narrative:
Subject : Request to Block Negative Accounts under Debt Bondage Repair Act ( DBRA ) and FTC Authority and Identity Theft RE : FORMAL DEMAND TO BLOCK AND DELETE ACCOUNTS DEBT BONDAGE REPAIR ACT ( DBRA ), FCRA 605B, FTC VIOLATION ENFORCEMENT To Whom It May Concern : This letter serves as my formal legal demand for the immediate and permanent blocking of specific negative accounts from my credit file as required by the Debt Bondage Repair Act ( DBRA ), the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S. Code 1681c2 ], and regulatory enforcement by the Federal Trade Commission ( FTC ). 

I am a victim of financial exploitation, and the accounts listed below were incurred under conditions of coercion, manipulation, and abuseconstituting debt bondage. Reporting these accounts constitutes a violation of my rights under federal law, and your agency is legally required to investigate and block all such accounts within four ( 4 ) business days upon receipt of this notice and required documentation. 
FEDERAL LAW REQUIRES ACTION : XXXX : This law protects victims of coercion and trafficking from continued financial harm. It mandates that consumer reporting agencies block accounts arising from financial control, fraud, and abuse. 

FCRA 605B [ 15 U.S.C. 1681c2 ] : Requires credit reporting agencies to block and remove fraudulent and coerced accounts when presented with a written statement, ID, and proof of victimization.

FTC Enforcement : The FTC mandates that no information derived from fraud, exploitation, or coercion may remain on a credit file if the victim properly disputes it.

Failure to comply with these laws constitutes willful noncompliance, subject to civil penalties, statutory damages, and further legal action. 

DOCUMENTS ENCLOSED : Copy of government-issued ID Proof of current address ( utility bill or bank statement ) Personal statement detailing the abuse, coercion, or financial control DEMAND FOR ACTION : You are hereby notified to block and permanently delete the above-referenced accounts from all versions of my credit report. Failure to do so within four ( 4 ) business days will be interpreted as a willful violation of FCRA, XXXX, and FTC regulations. I will not hesitate to escalate this matter AGAIN to the Consumer Financial Protection Bureau ( CFPB ), FTC, and pursue all available legal remedies. It was all removed once and you entered it back on report Please provide written confirmation when the accounts have been blocked and removed. 

Accounts to be Blocked and Removed : Creditor Name : 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 2025-07-09 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: NY

Complaint narrative:
I previously submitted a request for the correction of inaccurate data on my credit report. One of the other credit reporting agencies has verified the inaccuracies and removed the information, yet your bureau has not taken the same steps. Due to your lack of response, or an insufficient response, it is clear that the Credit Bureaus have not fulfilled their obligations under FCRA regulations. I need the following accounts corrected without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 DEPT OF ED XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Account No. XXXX Balance : {$8600.00} XXXX XXXX XXXX Account No. XXXX Balance : {$7300.00} XXXX XXXX XXXX Account No. XXXX XXXX : {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX Account No. XXXX Balance : {$8600.00} XXXX XXXX XXXX Account No. XXXX Balance : {$7300.00} XXXX XXXX XXXX Account No. XXXX XXXX : {$9200.00}

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 2025-07-09 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 USC 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-09 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-09 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: OR

Complaint narrative:
My credit report currently reflects accounts that are not mine and were opened without my permission. I did not apply for or authorize these accounts, and they are clearly the result of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I am formally disputing inaccurate and unlawfully reported information on my credit reports regarding a closed Total Visa credit card account issued by the XXXX XXXX XXXX  and managed by Vervent. The account is now being reported as 60 days past due, despite a lawful billing dispute having been filed and never properly resolved, violating the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I submitted a written billing dispute form ( " XXXX Billing Dispute Letter '' ) for three transactions totaling {$250.00} ( {$97.00}, {$25.00}, and {$130.00} ) to Total Visas official dispute email. I received confirmation that the case was opened. For over 90 days, I placed repeated calls to Total Visas customer service ( including on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) and was assured repeatedly that the disputes were still under investigation. However, on XX/XX/XXXX, I was informed for the first time that the disputes had allegedly been denied on XX/XX/XXXX without my knowledge and without any notice ever being issued to me. I do have recordings of each call with the company after XX/XX/XXXX, in which account representatives are assuring me that the dispute is still being investigated when it was not. 

Total Visas actions constitute material violations of : FCBA : Failure to provide notice of dispute resolution within 60 days FCRA : Reporting delinquent information while a valid billing dispute was pending 12 CFR 1026.13 : Failure to conduct a reasonable investigation of billing disputes 15 U.S. Code 1681s2 ( a ) ( 3 ) : Duty to not report inaccurate information knowingly 15 U.S. Code 1692e : Use of false or misleading representation in collection attempts Furthermore, I am now being actively denied the opportunity to access an accurate investigation or appeal the results of the dispute due to internal miscommunication and misleading information provided by Total Visa representatives. Multiple customer service agents falsely assured me that my case was under investigation long after a secret and undisclosed denial had allegedly been made. I do have legal copies of my recorded calls with each agent. 

This has now caused serious delinquency on my credit profile because I am not responsible for the amount past due, as it was part of the original dispute. 

I am requesting the following : Immediate removal of all negative marks associated with this account from my XXXX  report. 
Reinvestigation of the inaccurate reporting under 15 U.S. Code 1681i. 
Permanent correction or full deletion of this account if Total Visa can not verify lawful handling of the dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Account Midland Credit Mangement # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. Pursuant to 12 CFR 1006.34, I am exercising my right to dispute this debt and request full validation before any further collection efforts are made. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
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:
GENESIS CRDT is falsely reporting on my credit. I have never had any accounts with them. Per my research GENESIS CRDT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LEXISNEXIS
State: NY

Complaint narrative:
I disputed a bankruptcy entry LexisNexis is reporting, asking for verification. LexisNexis responded that they verified the record through PACER ( Public Access to Court Electronic Records ).

PACER is not a data furnisher or authorized source of verification. It is simply a document access tool and can not verify accuracy, identity, or status of records. Courts do not verify public records for credit reporting purposes.

Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is obligated to conduct a reasonable reinvestigation and verify information with the original source. Using PACER as a substitute does not satisfy FCRA Section 611 or 607, which requires maximum possible accuracy and proper reinvestigation.

I am requesting the CFPB investigate this matter and require LexisNexis to provide proof of verification from the court itself, or remove the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to dispute the reporting of the account identified as CITICARDS CBNA Account # XXXX, which is currently being reported on my credit file with XXXX XXXX XXXX This account, opened on XX/XX/2018, is marked as a charge-off with a balance of {$190.00}, which is a contradictory and inaccurate status. A charge-off typically reflects an unpaid debt, yet a negative balance implies a credit or overpayment, and the simultaneous reporting of both statuses is misleading and materially inaccurate. This misreporting fails to meet the standard of maximum possible accuracy as required under FCRA 607 ( b ).

At no time have I been provided with a full accounting or explanation of how this negative charge-off balance came to be. If this account was settled, reversed, or issued a refund or credit, then the charge-off designation must be removed. If the account is genuinely charged off, then the negative balance figure is false and can not be legally reported. Reporting both conditions at once creates confusion for any lender or underwriter reviewing my credit report, and severely misrepresents my financial obligations. As the furnisher of this data, CITICARDS CBNA has an affirmative duty under FCRA 623 ( a ) ( 1 ) ( A ) to report only accurate and complete information to credit reporting agencies.

Failure to correct this misinformation is not only a violation of the FCRA but also reflects a lack of reasonable procedures to ensure the integrity of data supplied to consumer reporting agencies. Continued publication of inaccurate information after receiving this written dispute would constitute willful noncompliance, opening CITICARDS CBNA to civil liability under FCRA 616 and 617.

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