vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IN

Complaint narrative:
To Whom It May Concern, This letter is in response to your communication dated XX/XX/year>, in which you claim I owe a debt related to XXXX XXXX XXXX XXXXXXXX, now being collected by Columbia Debt Recovery XXXX ( XXXX ). I am writing to formally reiterate my dispute of this debt in full, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The document you provided in response to my previous request is not sufficient debt validation under the FDCPA. Specifically, your letter fails to include : Any reference on the lease that shows I have a legal obligation to Columbia Debt Recovery LLC ; The lease provided makes no mention of Columbia Debt Recovery. 
Proof of assignment or sale of the alleged debt from XXXX XXXX XXXXXXXX XXXX to Columbia Debt Recovery, such as a bill of sale, chain of title, or account-level transfer agreement that identifies my specific account ; An itemized breakdown of the charges explaining how the original balance, interest, and current amount due were calculated. 

The summary letter you sent is a generic statement, not verification. It does not prove that Columbia Debt Recovery has legal standing to collect or report this debt. As such, any continued collection activity or credit reporting violates 15 U.S.C. 1692e, which prohibits deceptive and misleading representations.

Additional Concern Inaccurate Credit Reporting Furthermore, I have reviewed my credit reports and found that this alleged debt is being reported inconsistently across all three major credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. As of XX/XX/year>, the following discrepancies exist : XXXX  reports a balance of {$7700.00} XXXX  reports a balance of {$7700.00} XXXX  reports a balance of {$7700.00} These inconsistencies demonstrate a failure to report accurate and consistent information. This further reinforces that the account is being handled improperly and must be removed.

I Am Requesting the Following : 1. Immediate cessation of all collection activity ; 2. Removal of any negative tradelines related to this debt from all credit reporting agencies ; 3. Full legal validation of the debt as outlined above or written confirmation that this account has been closed and will no longer be pursued. 

If this matter is not resolved promptly, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Indiana Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: SC

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-25 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: HI

Complaint narrative:
To Whom It XXXX Concern, I am filing this formal complaint against the following nationwide consumer reporting agencies : TransUnion, Experian, Equifax These agencies have violated my rights under multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of 15 U.S. Code 1681c2 ( a ) This statute mandates that a credit reporting agency must block information that resulted from identity theft within XXXX business days after receiving : Proper proof of identity An identity theft report ( police or FTC ) A written request from the consumer Despite having submitted these required documents, the fraudulent items remain on my report and are still being furnished to third parties. This is a direct and ongoing violation of the law. 

2. Violation of 15 U.S. Code 1681e ( b ) This provision requires CRAs to follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. The continued reporting of inaccurate and previously disputed accounts after notice is evidence of failure to meet this legal obligation. 
________________________________________ 3. Violation of 15 U.S. Code 1681i ( a ) ( 5 ) Under this section, CRAs must promptly delete any information that can not be verified. If unverifiable, the data must not be reinserted unless the furnisher certifies its accuracy. I have not received proper verification of the disputed data, and yet it remains active and negatively impacts my credit profile.

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 2025-07-25 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: CA

Complaint narrative:
An account that I have no knowledge of or affiliation with has appeared on my credit report. I believe this to be a clear case of 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 non-monetary relief
Consumer complaint received 2025-07-25 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:
I disputed how my closed XXXX XXXX Bank credit card account is being reported. Although the account is paid and closed, all three credit bureaus are showing misleading and damaging language. 

Experian : XXXX, XXXX. {$210.00} written off Equifax : Paid charge off TransUnion : Account paid in full was a charge-off This wording is inaccurate and harms my credit. I requested that the status be corrected to reflect Paid/Closed with no reference to charge-off or write-off. 

Despite my dispute and mailing a correction letter with documentation, the status was verified and not corrected. This violates FCRA 607 ( b ) and 611 ( a ), which require credit data to be complete and accurate. 

I am asking that the credit bureaus and data furnisher correct this language or delete the tradeline if they can not provide accurate 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 2025-07-25 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: NC

Complaint narrative:
Dear CFPB XXXX, I am filing this formal complaint against the XXXX XXXX XXXX for its continued failure to remove or correct inaccurate and unverifiable information from my credit file, despite having received both my initial dispute and follow-up reinvestigation request, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Transunion, EQUIFAX, and Experian has failed to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ), and they have not updated or deleted the information I disputed. Their letter dated XX/XX/year> ( attached ) demonstrates a refusal to engage meaningfully with my dispute, instead issuing a blanket rejection without proper investigation or verification of the disputed items. I have constantly been violated by the XXXX XXXX XXXX. 
This conduct violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requiring reinvestigation of disputed information within 30 days ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandating deletion of information if it can not be verified ; 15 U.S.C. 1681e ( b ) requiring consumer reporting agencies to maintain maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) obligating CRAs to provide notice of the consumers right to file a statement of dispute when their reinvestigation fails. 

I demand a revised and corrected credit report reflecting permanent deletion of the items listed in my report and any other unverifiable or inconsistent data on file. Failure to act will result in formal complaints with the CFPB, FTC, and potential legal action under federal law. 


Attached Documentation : Copy of FTC Identity Theft Report SmartCredit XXXX Report ( highlighted ) Government-issued photo ID Proof of current address ( utility bill or bank statement ) Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-25 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
XXXX, Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Under XXXX XXXX XXXX XXXX Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts XXXXXXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately XXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately XXXX XXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately

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 2025-07-25 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: FL

Complaint narrative:
XXXX, Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Under XXXX XXXX XXXX XXXX Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXX XXXX XXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts Please delete due to a violation of XXXX XXXX Code XXXX - Validation of debts XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX Under XXXX XXXX XXXX. Validation of debts XXXXXXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately XXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately XXXX XXXX XXXX, Date of inquiry : XXXX Under XXXX XXXX Code XXXX permissible purposes of consumer reports Please Delete Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 kindly request your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In accordance with USC 1681g, I am formally requesting their removal within 15 days. All supporting documents have been included for your review. Furthermore, the information being reported is inconsistent and differs across the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: ProCollect, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX Date : XX/XX/XXXX I am writing to formally dispute a collection account being reported on my credit file by PROCOLLECT , INC for the amount of {$1600.00}, tied to XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. This account is inaccurate and should be removed from my credit report. 

According to your records, the debt was placed for collection in XX/XX/XXXX. However, I have attached proof that I paid this balance in full directly to the original creditor ( XXXX XXXX / XXXX XXXXXXXX XXXX Apartments ) on XX/XX/XXXX, before it was ever reported to collections.I have included the following documents as evidence : A receipt showing the full payment of {$1600.00} dated XX/XX/XXXX, issued by XXXX XXXX. 
A screenshot of the collection record reported by ProCollect , Inc . 

Please investigate this matter and confirm the deletion of this inaccurate account. I would appreciate written confirmation of the outcome of this dispute.

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 2025-07-25 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: TX

Complaint narrative:
Experian has put a collection according on my credit report XXXXXXXX XXXX XXXX. claiming that I owe a medical debt. I have had no dealings nor a relationship or contract with this company. I have no knowledge of this debt whatsoever. If this alleged collection is mine this is a clear violation of FCRA and hippa as it violates my rights to privacy. I have disputed this with Experian and they did not properly investigate my dispute. There is no validity in this claim. Experian only took XXXX hours to look into this dispute and they automatically took the side of the company without properly verifying if this information was true, complete or accurate.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has put a collection according on my credit report XXXXXXXX XXXX XXXX. claiming that I owe a medical debt. I have had no dealings nor a relationship or contract with this company. I have no knowledge of this debt whatsoever. If this alleged collection is mine this is a clear violation of FCRA and hippa as it violates my rights to privacy. I have disputed this with Experian and they did not properly investigate my dispute. There is no validity in this claim. Experian only took XXXX hours to look into this dispute and they automatically took the side of the company without properly verifying if this information was true, complete or accurate.

Company response to consumer: Closed with non-monetary relief