vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: IN

Complaint narrative:
I am filing this complaint against [ XXXX XXXX and XXXX XXXX XXXX ], regarding a debt for post-move-out charges. My move-out date was XX/XX/year>. I received a notice of charges on XX/XX/XXXX, XXXX beyond the legal timeline under Illinois landlord-tenant law, which requires landlords to provide an itemized statement of deductions within 30 days. I repeatedly requested an itemized bill from the landlord and later from the collection agency. My requests, documented in attached correspondence, were either ignored or declined. Despite the fact that I immediately disputed the debt in writing to the agency and requested a detailed billing, my account was reported to credit bureaus in violation of FDCPA rules. Only after reporting did the collection agency finally send some itemized documentation. The landlord and agency failed to comply with Illinois State law and Fair Debt Collection Practices Act ( FDCPA ) Sections 809 ( a ) and ( b ), including the requirement to cease collection and reporting activity until the debt was validated. '' " I am requesting the CFPB to investigate this improper collection activity, failure to provide timely documentation, and wrongful credit reporting, and to require reversal of the negative credit mark. Supporting documents are attached. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My ( Equifax, XXXX XXXX XXXX ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX is still recording a hard inquiry on tjmax card. They were not allowed to run my credit and I have a hard inquiry on my report XXXX  took it off but they didnt. It dropped my credit score XXXX points I need this hard pull removed its affecting my credit report and stopping me from purchasing an auto. This XXXX it now says closed for the TJ max card but the hard inquiry is still there.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am disputing the way Best Buy is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, Best Buy, with account XXXX XXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute a collection account reported by IC Systems in the amount of {$410.00} with account number displayed on my credit report of # XXXX XXXX XXXX XXXX XXXX. Over 90 days ago, I submitted a direct request to IC Systems for verification and detailed information regarding this alleged debt. To date, I have received no response or acknowledgment from the company. 

This lack of communication and failure to provide the required documentation is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, this unresolved and unverified collection is negatively impacting my credit profile and directly affecting my ability to qualify for a mortgage and purchase a home. 

Due to IC Systems continued failure to respond and verify the debt, I am requesting the immediate removal of this account from all credit bureaus.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was looking over my credit profile and noticed that its incorrect information on my report. Which is my personal information names, employment, and addresses. Here is a list ; 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 XXXX XXXX XXXX XXXX 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking over my credit profile and noticed that its incorrect information on my report. Which is my personal information names, employment, and addresses. Here is a list ; 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 XXXX XXXX XXXX XXXX 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 2025-09-17 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C SYSTEM XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM AND XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The supporting documents to validate my claim are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
XXXXIn XXXX XXXX XXXX, I made an agreement with acima in loan to purchase an XXXX XXXX XXXX XXXX XXXX A few payments were made. Unfortunately after a few payments I lost my job and was unable to pay. I attempted to login into my account and advised acima but I could not login and calling was unsuccessful. I had no choice but to not pay the debt as I had no way to access my account. XXXXForwarding to today XX/XX/XXXX my mother received a call from XXXX XXXX XXXX regarding a call from the state attorney general stating that I was need to located and served court paper work, and for me to call them regarding this.XXXX call and was advised that I was speaking with the attorney general and would use her to come up with an agreement. XXXXAt first I agreed to a payment plan, I asked for a email copy to confirm payments and dates, they declined and stated they would need my card information to pay today to stop the judgement. XXXXI hung up and could not find there website, their phone number lead to nothing. XXXXIm filling to this complaint as they are  calling my family and stating they are the attorney general.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I opened an account with FNBO and got approved credit card, when it came in I had trouble activating the credit card. I called the company and told them my situation and they said they can't help me because they have a different number on file. I asked the number is calling from is the number I used to apply for and they said yes they have the number on file, so I asked what number do you have that. they said they got a different number from another bank in the past and that's the number they are going to use for verification so they can't help me. I checked my status of my application with my number I applied from and it worked so they do have my number on file. I asked just to cancel the card and they said it will in XXXX months. I asked what about the annual fees? They said I will be charged and I asked how am I so post to pay it if I can't activate my card and they would not tell me any information. I told them how are you guys going off a number you got from somewhere els in the past? People change their number frequently and you have all the other verification you need like social, the number I applied for and email, etc. i need this card cancelled but I can't pay the fees so I'm going to loose credit and have a big fee to pay and I can't pay it what do I do?

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Receiving text messages daily - so is my husband from XXXX. Stating I need to call them ASAP as the deadline for my settlement has expired and to call XXXX. I called the number and they said it was for default on a credit card from XXXX, which I never opened, they also used a wrong last name. They also stating they were going to start garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a customer of Amex since XXXX ( almost XXXX years ) and have a high credit score. On XX/XX/XXXX I had a payment of {$67.00} that was due. On XX/XX/XXXX I received an email from Amex stating a payment was due. I called Amex and paid immediately on XX/XX/XXXX. Amex also had a savings account in my name with a balance of about {$700.00}, so, even forgetting about the high credit score and the XXXX year relationship, it was never at risk of payment. Amex charged me a {$29.00} late fee plus interest of {$1.00}. While Amex may well have the legal right to charge these fees, to charge over 50 % on a {$60.00} bill for XXXX  days on a high credit score, on a XXXX year relationship, while it is holding a savings account in excess of {$60.00} is simply morally reprehensible. I have noticed a series of problems with Amex over the past XXXX years. This is the type of heavy handed corporate action that caused XXXX XXXX to initiate CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 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: KS

Complaint narrative:
Pursuant to FCRA 607 ( b ) and 611 / 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), conduct an independent reinvestigation ( XXXX ) and delete any item not verified to that standard under 1681i ( a ) ( 5 ) ( A ). Reg V ( 12 C.F.R. 1022.42 & App. E ) applies. 
For each item, all late months are disputed. Provide running statements/ledger for each late ( statement date, due date, amount due, receipt date, posting date ). Codes are not proof. 
XXXX ) XXXX XXXX XXXX XXXXXXXX What Equifax reports ( verbatim ) : Monthly Payment : {$2000.00} ; High Credit : {$2000.00} ; Open. ( Last Reported XX/XX/XXXX ) Defects & Metro 2 breaches A scheduled monthly payment equal to the entire high credit is facially implausible and misleading. 
Fields : Scheduled Monthly Payment Amount, High Credit/Original Amount, Account Type/Terms, Date of Account Information. 
Demand : Correct to the true scheduled payment and accurate taxonomy or delete. 
XXXX ) XXXX  ( Authorized User ) Acct XXXX What Equifax reports ( verbatim ) : Credit Limit {$2000.00} ; Last Reported XX/XX/XXXX. XXXX show {XXXX and updates through XX/XX/XXXX. 
XXXX XXXX XXXX XXXX breaches Stale/understated limit materially inflates utilization. 
Fields : XXXX XXXX, XXXX XXXX ( Authorized User ), Date of Account Information. 
Demand : Update the limit and as-of date to current/accurate, or delete. 
XXXX ) XXXX XXXX XXXXXXXX What Equifax reports ( verbatim ) : Account Status : Indeterminate ; Payment Status : Pays account as agreed ; Balance {$0.00} ; Comments : REFINANCED. 
XXXX XXXX XXXX XXXX breaches XXXX is not a valid closed/paid status. 
Fields : Account Status, Date Closed, Special Comment ( Refinanced ), Date of Account Information. 
Demand : Correct the status XXXX XXXX delete. 
XXXX ) XXXX Acct XXXX XXXX Equifax reports XXXX verbatim ) : Open, {$75.00} balance, CL {$1500.00} ( Last Reported XX/XX/XXXX ). Experian carries the same product under XXXX  with different presentation XXXX 
XXXX XXXX XXXX XXXX breaches Split/misaligned identity across CRAs ; risk of fragmented history and inconsistent balances. 
Fields : Furnisher Name, Account Number ( mask consistency ), Current Balance, Date of Account Information. 
Demand : Align/merge to a single accurate tradeline or delete if unverifiable. 
Notice : Noncompliance will trigger complaints to the CFPB, FTC, and the XXXX Attorney General, and litigation under 15 U.S.C. 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy XXXX XXXX XXXX of Illinois that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I applied for two credit secured credit cards, i also gad to pay a XXXX dollar fee for both of the cards. The cards were supposed to arive in the mail in 14 bussiness days they never arrived. I made a complaint that the cards never arrived, i was told they would send them out again because they may hsve been lost in the mail, for the second time they never arrived. The last few months i have been getting notifications from the credit card companies of debt i never created. Now both the cards are in collections from a company called midland credit. They company is saying i owe XXXX dollars in credit cards i mever recieved the cards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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