vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I filling a complaint because my creditors is reporting late payments on report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute this directly with the credits bureaux and the furniture but the late payments remain without proper validation or documentation under 15usc 168s 8 a furniture must be report accurate information under 15usc 1881XXXX XXXX XXXX XXXX must perform a reasonable investigation within 30days neither of them have provide sufficient evidence to support the negative reporting

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 2025-04-19 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: NY

Complaint narrative:
I filling a complaint because my creditors is reporting late payments on report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are inaccurate and not properly verified I have dispute this directly with the credits bureaux and the furniture but the late payments remain without proper validation or documentation under 15usc 168s 8 a furniture must be report accurate information under 15usc 1881XXXX XXXX XXXX XXXX must perform a reasonable investigation within 30days neither of them have provide sufficient evidence to support the negative reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Debt validation claims According to USC 15 1692 I asked for four things 1 Send me a full list of payment history on this account.

2 I want to see the original signature that I agreed to on the contract.

3 Have there been any insurance claims on the debt.

4 I want to see the Chain of Title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: SC

Complaint narrative:
XXXX XXXX, ( XXXX ), XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- -Account Number, Opened Date, and Balance * XXXX XXXX XX/XX/XXXX {$9600.00} DEPTOFEDXXXX XXXXXXXX XX/XX/XXXX {$4100.00} DEPTOFEDXXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XX/XX/XXXX {$460.00} Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts collections are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-19 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
During my communications with XXXX XXXX, I made multiple formal and reasonable requests to obtain clarity and resolve the issue in good faith. I specifically requested : ( 1 ) the estimated turnaround time for the investigation ; ( 2 ) a clear explanation of why my balance exceeded the limit ; ( 3 ) the specific transaction or reporting codes used, as I believe XXXX XXXX has inaccurately reported to the credit bureaus ; and ( 4 ) to escalate the matter by speaking directly with a department manager. 

Despite these efforts, I was repeatedly denied critical information. Most notably, my request to speak with a department manager was outright refused by a supervisor, XXXX out of XXXX XXXX XXXX  XXXX ID # XXXX effectively denying me the legal and reasonable right to escalate the matter within the company. This obstructed my ability to resolve the dispute through internal channels. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX demonstrated an uncooperative and dismissive attitude throughout the process. They were unwilling or unable to provide substantive answers, showed no accountability, and offered no meaningful assistance. Their responses were vague, evasive, and at times appeared intentionally designed to avoid addressing my concerns. The overall handling of this matter reflected a lack of transparency and a disregard for my consumer rights. 

Additional Concern Potential Discriminatory Treatment : I also feel it is important to report that I believe I was subjected to discriminatory treatment by XXXX of XXXX XXXX  supervisors. Based on the interaction, it appeared that I was not being taken seriously or offered assistance until I explicitly stated that I would be filing a complaint with the CFPB. Prior to that, the supervisor was dismissive and uncooperative. 

I strongly believe that the lack of support I received may have been influenced by assumptions made about my race, name, or the way I speak. This treatment made me feel that I was being racially profiled and not treated equitably as a customer. Discriminationwhether explicit or implicithas no place in customer service, especially when dealing with sensitive financial matters. 

I request that this aspect of my experience also be reviewed seriously and investigated as part of my complaint.

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 2025-04-19 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of an account XXXX XXXX  that your agency has reported in my name. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., to request full validation of this alleged debt. 

As of today, you have failed to provide me with sufficient proof that the alleged debt is valid, owed by me, and collectible under law. Pursuant to the Doctrine of Estoppel by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, silence where there is a duty to respond is considered an admission. Therefore, I must presume the alleged debt lacks lawful standing and should be removed from any and all 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 2025-04-19 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: TN

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Method of Verification Request under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ) XXXX XXXX XXXXXXXX XXXX {$460.00} Dear Experian, I recently disputed an item on my credit report, and I received your response regarding the outcome of the investigation. However, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) XXXX XXXX XXXX to request the method of verification used to investigate my dispute. 

Please provide me with : XXXX. The name, address, and contact information of the entity that verified the disputed item. 

XXXX. A detailed explanation of the procedure used to verify the accuracy of the information. 


Under the FCRA, you are required to provide this information within XXXX  days of receiving this request. If you fail to comply, I may escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or consider legal action. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: TN

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Method of Verification Request under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ) XXXX XXXX XXXXXXXX XXXX {$460.00} Dear Experian, I recently disputed an item on my credit report, and I received your response regarding the outcome of the investigation. However, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) XXXX XXXX XXXX to request the method of verification used to investigate my dispute. 

Please provide me with : XXXX. The name, address, and contact information of the entity that verified the disputed item. 

XXXX. A detailed explanation of the procedure used to verify the accuracy of the information. 


Under the FCRA, you are required to provide this information within XXXX  days of receiving this request. If you fail to comply, I may escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or consider legal action. 

Please send your response to the address listed above. I appreciate your prompt attention to this matter. 



Sincerely,

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute the accuracy, validity, and legality of several entries on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Privacy Act of 1974, I request that the CFPB immediately investigate the following accounts, particularly in light of a serious privacy violation regarding my student loan records. 

Account XXXX : Columbia Debt Recovery - Original Creditor : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX -Balance : {$490.00} - Status : Unpaid I dispute this account on the basis that I have not received any legally required documentation verifying this debt. I request full validation, including a copy of the original contract and proof of Columbia Debt Recoverys right to collect. Without that, this account should be removed under Section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I initially field a dispute about unauthorized transactions and I was told I only had to upload the police report once to cover all XXXX transactions. This wasnt the case as the transaction I uploaded the document to was the only one that got refunded but all others got denied. It also seems like they didnt even investigate as the documentation they provided showed I didnt complete the transactions and I wasnt present for them, I also attached a police report. They are trying to obstruct investigations and not properly investigate/complete disputes even with proper documentation and their system/logs showing I didnt make these transactions. I also shouldnt have to go through this another 10 business days because they dont properly investigate. The timing and locations also show all transactions were related so all of these unauthorized transactions should be reversed not just one the documentation was uploaded to because I was told I only had to upload it once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
My Macys account was one of the longest tenured credit accounts I had. ( Since XXXX  ). A couple years ago, they dropped my limit XXXX  of dollars because they saw I had increased usage on other accounts, w/o contacting me. I ignored it. Now I find out they CLOSED my account without telling me! It was at a XXXX balance, and in perfect standing. This credit system is so unfair, with this account getting closed I lost my best credit line reporting, lost the available credit limit impacted my utilization ratio. All of this without a single email, text, phone call, etc. if a payment is ever a day late, the communications begin INSTANTLY and non stop until they get their money. Yet as a consumer, they can close my account and help destroy my credit health without any communications? Criminal. 

As of today, when I log into my Macys account, it says I have {$0.00} due, a {$0.00} balance and {$200.00} credit limit. The only reason I found out the account was closed was I called one of the three main credit bureaus, and they said the account was closed.

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 2025-04-19 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 need your help investigating several accounts that have been wrongly marked with late payments by certain companies. I checked my credit report and saw inaccurate late payment entries on specific accounts. These should not be there. I request that you delete those remarks and update the accounts to reflect paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND I NOTICED SEVERAL INACCURACIES ON MY ACCOUNT, THIS ACCOUNTS ARE HURTING MY ABILYTY TO OBTAIN CREDIT, IT'S MY UNDERSTANDING THAT YOU WILL INVESTIGATE THIS ACCOUNTS FOR ME TO ENSURE ACCURACY. HERE ARE THE ACCOUNTS I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT 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 2025-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TH Professional & Medical Collections LTD
State: IL

Complaint narrative:
On XX/XX/year> XXXX XXXX threatened a body attachment if I failed to comply with a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding TransUnions failure to investigate the disputes I have submitted. On XX/XX/year>, I sent a dispute letter to TransUnion requesting that they investigate certain inaccuracies on my credit report, and I followed up with another dispute letter on XX/XX/year>. Despite providing all necessary documentation, I have not received any correspondence from TransUnion acknowledging or addressing these disputes. 

As a consumer, I have the right to know what is on my credit report, and I am entitled to have any inaccuracies investigated, validated, and either corrected or deleted. TransUnion has failed to fulfill this legal responsibility by ignoring my requests for investigation. This lack of response is a violation of my rights under the law. 

For a fair resolution, I know my rights as a consumer, and TransUnion has failed to do their job. They have not provided me with any information within the legal timeframe, and the law states that if they do not correct the errors on my report, those errors must be deleted. I am requesting that TransUnion correct the errors I have noted and delete the accounts I have specified. 
XXXX XXXX - XXXX - I do not recall ever being late on this account and nothing has been sent to me to prove that I was. Please update to NEVER LATE XXXX  - XXXX - I do not recall ever being late on this account and nothing has been sent to me to prove that I was. Please update to NEVER LATE XXXX XXXX - XXXX - The late payments are reporting incorrectly across all three bureaus, suggesting a billing error. Please update to NEVER LATE XXXX XXXX - XXXX - The late payments are reporting incorrectly across all three bureaus, suggesting a billing error. Please update to NEVER LATE XXXX - XXXX - This account is reporting with multiple errors including the Dispute Status, Last Activity Date, Last Reported Date and Date of Last Payment. Please update to NEVER LATE XXXX - XXXX - Nothing has been sent to validate this. Please DELETE XXXXXXXX XXXX  - XXXX - I have never done business with this company and they have yet to validate it. Please DELETE The following accounts have major billing errors. I have asked them to send me information regarding these lates but they have not. Since they did not investigate or update them, DELETE the following accounts : XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX 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 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 2025-04-19 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX and XXXX. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' XXXX XXXX. XXXX If you dispute an account, the credit reporting agency must investigate within XXXX days and correct or delete inaccurate info. 
XXXX XXXX. XXXX ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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