vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
Internal Revenue Code IRC 166 - Charge-off reporting requirements - If a financial institution charges off a debt, it must report it as a loss or write-off. Thereby, If an institution attempts to collect payments or enforce obligations, it is engaging in unjust enrichment. 15 U.S.C. 1681s-2 - Fair Credit Reporting Act ( FCRA ) - requires accuracy, completeness, and fairness in the reporting of financial obligations. Prohibits reporting debts that have been paid, assigned, or satisfied through other financial means ( written off under Internal Revenue Code ). The current and historical data records ( internal docs ) possessed by Experian and communicated to me via the Experian credit report reiterate these accounts ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. ) have been written off ( charged-off ). Experian 's failure to remove XXXX XXXX XXXX reporting from the profile is a gross violation of FCRA laws for fair, accurate and complete consumer reporting. In addition, Experian is hereby an accessory to unjust enrichment and identity theft. UCC 3-305 Regulation U - I retain the right to all credit provided to me or on my behalf as the originator, grantor, and principal in any financial transaction where my name, signature, or other identifying information was used ( including data and information brokers, including credit reporting agencies and secondary affiliate agencies ). 


Additionally, XXXX XXXX XXXX does not have chain of assignment contract, failed to validate debt as a bulk debt buyer ( securitized or charge-offs ), does not have the right to collect in my state, nor my written consent to communicate financial transaction information with any credit reporting agency in accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681 ( ( g ) ). XXXX 's re-aging of the account is a deceptive practice.

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 2025-08-15 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Request for Investigation of Charge-Off Accounts To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Date : [ XXXX ] From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX -- - Dear CFPB, I am writing to file a complaint and request an investigation regarding inaccurate charge-off accounts appearing on my credit reports. 

The accounts in question are reporting as charge-offs, but I believe the information is incorrect, incomplete, or unverifiable as required under the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve this matter with the credit reporting agencies and/or the furnisher of information, but the issue remains unresolved. 

Please investigate these items and require the credit reporting agencies to provide verification or remove the inaccurate entries. I am requesting : 1. Verification of the original creditor, account history, and the accuracy of the charge-off status.

2. Removal of any accounts that can not be fully verified in compliance with FCRA.

I have attached copies of my credit reports with the disputed accounts highlighted, along with my identification. 

Thank you for your assistance. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 XXXXXX/XX/XXXX, Balance : {$31000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
To provide some background, I had to move out of XXXX XXXX XXXX due to a family business

relocation. The complex approved a lease takeover by another individual, and I vacated the apartment accordingly. However, I was never notified that any outstanding charges were due. Subsequently, I was contacted by a collection agency regarding a {$14000.00} charge. Upon disputing this amount, the apartment complex admitted it was a mistake. However, they then issued a new charge for repairs ( e.g., painting, carpet replacement ) that I believe are due to normal wear and tear. I have made multiple attempts to contact the complex to resolve these discrepancies, but I have not received any response. Additionally, the collection agency has added a new debt of {$760.00} to my credit report, resulting in a XXXX drop in my credit score. I have sent several emails and letters requesting proof of the debt and a resolution to these issues, but I have not received any reply.

I kindly request an immediate review of my account, the removal of these erroneous charges, and the correction of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: DE

Complaint narrative:
Permanently delete the fraudulent XXXX XXXX XXXX account ( XXXX ) and all related unauthorized inquiries. Block all identity theftrelated information from my credit file in compliance with 15 U.S.C. 1681c2 within 4 business days. Provide me with a corrected, updated credit report and written confirmation of deletion and blocking.

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 2025-08-15 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: LA

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 an 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 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 2025-08-15 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: LA

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 an 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 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 2025-08-15 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: IL

Complaint narrative:
I am filing this complaint against Experian, XXXX XXXX XXXX for willfully and negligently reporting inaccurate, unverifiable, and unauthorized accounts on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have never provided written consent for these bureaus or any data furnishers to obtain, store, or report my personal credit information.

Despite my right under 1681b to prevent unauthorized access to my consumer report, the following accounts are being reported without permissible purpose and without validation : XXXX. XXXX XXXX XXXX No verifiable contract ; may be reporting past the allowable 7-year limit under 1681c ( a ). 
XXXX. XXXX XXXX XXXX Collection No proof of original contract, debt validation, or permissible purpose. 
XXXX. XXXX XXXX XXXX XXXX No validation of debt or proof of authorization. 
XXXX. XXXX XXXX XXXX XXXX XXXX ; no chain of title or contractual consent. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX signed agreement ; potentially outdated under 1681c ( a ) ( 4 ).

These items are inaccurate, outdated, and/or unverifiable under 1681i, yet they remain on my credit reports. This has caused harm to my creditworthiness and financial standing.

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 2025-08-15 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: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX 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 2025-08-15 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXX/XX/XXXX, Balance : {$34000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate information on my credit report. Since Ally Financial has reported a {$16000.00} debt that they themselves have confirmed does not exist in their records, I believe this information is unverifiable and inaccurate. I request that this erroneous entry be investigated and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute & Demand for Validation Pursuant to FCRA & FDCPA To Whom It May Concern, I am formally disputing the accuracy of the following account on my credit report : Creditor/Debt Collector : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ), you are required to verify the accuracy of any disputed information with the furnisher of the data and provide documented proof, including : The original signed contract or agreement. A complete account history. Name and address of the original creditor.

I want all the methods you used to verify my dispute I want my dispute in human hands.

If you can not verify this account within the statutory time frame, you must delete it from my credit file. Continued reporting of unverifiable or inaccurate information constitutes a violation of federal law and may result in legal action.

This letter is not an acknowledgment of liability for any alleged debt. Provide written verification within 30 days of receipt. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute & Demand for Validation Pursuant to FCRA & FDCPA To Whom It May Concern, I am formally disputing the accuracy of the following account on my credit report : Creditor/Debt Collector : [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ), you are required to verify the accuracy of any disputed information with the furnisher of the data and provide documented proof, including : The original signed contract or agreement. A complete account history. Name and address of the original creditor.

I want all the methods you used to verify my dispute I want my dispute in human hands.

If you can not verify this account within the statutory time frame, you must delete it from my credit file. Continued reporting of unverifiable or inaccurate information constitutes a violation of federal law and may result in legal action.

This letter is not an acknowledgment of liability for any alleged debt. Provide written verification within 30 days of receipt. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX 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