vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I moved into XXXX XXXX  in XXXX on XX/XX/year> and had to break my lease because I bought a house in XXXX. I paid extra month for this. I got paperwork from them that has charges on here that are not correct. 
Dishonored Payment {$25.00} Lock Change Charge {$50.00} Renter 's Liability Administrative Cost {$25.00} Failure to Clean animal waste charge {$25.00} Late Payment {$75.00} These charges are not valid. I have not bounced a check for at least XXXX  years now. 
I have always cleaned up after my cat. 
My payment was not late. I did everything that they told me that I had to do. 
I have tried to call them many times and leaving a voice mail without any success. 
I have emailed them and I am awaiting an answer. 
They sent this to collection agency ( Genesis ) that want me to pay them over {$90.00} Thank You for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
My credit report contains negative information that is more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
My credit report contains negative information that is more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My TransUnion credit file contains multiple inaccurate, unverifiable, and duplicative accounts that are harming my creditworthiness. 

Details of the inaccurate reporting : XXXX XXXX XXXX : Reported with a high balance of {$2800.00}, opened XX/XX/XXXX. I never entered into any such agreement. No contract or verification can be provided. 

XXXX XXXX XXXXXXXX accounts : Same account number XXXX is being reported multiple times with conflicting balances and open dates ( {$4500.00}, {$1400.00}, {$1000.00}, {$1700.00}, {$3000.00}, {$5500.00}, {$7000.00}, {$6000.00}, {$2200.00}, etc. ). These are duplications and inaccurate. 

XXXX XXXX XXXX ( XX/XX/XXXX ) : I have never had an account with this institution. It is completely unverifiable.

Violations of the law : FCRA 1681e ( b ) : TransUnion has failed to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i : TransUnion must reinvestigate disputed information and delete unverifiable accounts, but these errors remain.

FCRA 1681n and 1681o : Continued reporting of false or unverifiable accounts after notice constitutes willful and negligent noncompliance. 

Impact on me : These false accounts inflate my debt profile, lower my credit score, and damage my ability to obtain fair credit opportunities. I am being subjected to higher interest rates and reputational harm due to TransUnions failure to comply with federal law.

Resolution requested : I request that the CFPB compel TransUnion to : Delete all inaccurate, unverifiable, and duplicative accounts listed above. 

Provide me with a corrected credit report. 

Ensure compliance with the FCRA to prevent further violations.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wallet was stolen and unauthorized purchases we and and late payments occured on my account that I am not legally liable for. I have never been late on any of my accounts previous to this incident and I demand that all of my accounts be corrected immediately with the Experian, XXXX, XXXX  and the creators XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX, and 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm only associated with 2 addresses which are XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX I've tried disputing inaccurate addresses on Experian Portal however, it won't let me as I receive a message stating that they are tied to accounts that are 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 explanation
Consumer complaint received 2025-08-22 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-22 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management supposed to be representing XXXX XXXX XXXX, XXXX. Has file a court claim to garnish my wages. The 3rd company representative is XXXX XXXX XXXX XXXX XXXX. Their address is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. If this debt is valid and has been closed, how come I was issued a new credit from the original credit card companyXXXX XXXX XXXX  XXXX The letter doesn't have a date on when it was filed to the court it just states that I must respond within 45 days stating that my wages are exempt and therefore can not be garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
Complaint Against TransUnion Consumer Solutions for Ongoing Investigation Failures Reference : Case # XXXX ( closed, filed XX/XX/XXXX ) TransUnions investigation of my disputes ( XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX ) for inaccurate accountsXXXX XXXX XXXX  ( {$1800.00} ; XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$770.00} ; XXXX XX/XX/XXXX ), XXXX ( {$27000.00} ; XXXX XX/XX/XXXX ), XXXX XXXX  ( {$2600.00} ; XXXX XX/XX/XXXX ), XXXX XXXX  XXXX {$1800.00} ; XXXX XX/XX/XXXX ) is inadequate, violating FCRA 1681i ( a ) ( 1 ). They deleted only XXXX XXXX XXXX and XXXX XXXX XXXX, retaining XXXX, XXXX, and XXXX as verified/updated without XXXX  proof, violating FCRA 1681i ( a ) ( 5 ) ( C ). These are time-barred ( XXXX expired XXXX, XXXX XXXX XXXX and re-aged ( XXXX  XXXX vs. Date Opened XXXX ), violating FCRA 1681e ( b ). XXXX and XXXX remain under dispute, ignoring double-reporting and time-barred status. They missed XX/XX/XXXX dispute deadlines ( XXXX XX/XX/XXXX, XXXX ), providing a late, unpostmarked response ( XXXX XXXX, XXXX ), violating FCRA 1681i ( a ) ( 6 ). No Method of Verification or re-reporting blocks provided. These harm my credit ( 497 ), loans, jobs, and cost $ XXXX in certified mail. Evidence ( disputes, receipts ) is in case # XXXX. I request immediate deletion and FCRA enforcement.

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 2025-08-22 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: MS

Complaint narrative:
Experian is reporting inaccurate, unverifiable, and duplicative information on my credit file. This is causing me financial harm, including denials of credit and higher interest rates. Despite the Fair Credit Reporting Act ( FCRA ) requiring Experian to maintain maximum possible accuracy and conduct proper reinvestigations, these errors remain. 

Details of Issues : Incorrect Addresses Reported XXXX XXXX XXXX XXXX, XXXX XXXX Not mine. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not mine. 

Reporting addresses not connected to me is a violation of FCRA 1681e ( b ) ( reasonable procedures to ensure accuracy ). 

XXXX XXXX Account XXXX High Balance : {$2800.00} Date Opened : XX/XX/XXXX I never authorized or opened this account. It is inaccurate and unverifiable. 

Failure to delete unverifiable information violates FCRA 1681i. 

Dept. of EducationXXXX Accounts XXXX Account XXXX. XXXX ) Multiple listings with different balances and dates ( examples : {$4500.00} opened XX/XX/XXXX ; {$1400.00} opened XX/XX/XXXX ; {$7000.00} opened XX/XX/XXXX ; {$6000.00} opened XX/XX/XXXX ; {$4500.00} opened XX/XX/XXXX ). 

These are clearly duplicates and contradictory. They can not all be correct. 

Reporting duplicate/inconsistent debts violates FCRA 1681e ( b ).

Failure to remove duplicates after dispute violates FCRA 1681i. 

XXXX XXXX XXXX ( XX/XX/XXXX ) This account is not mine. No verifiable proof has been provided. 

Reporting unverifiable debt violates FCRA 1681i. 

Harm Caused : Damage to my creditworthiness. 

Denial of credit opportunities. 

Higher borrowing costs. 

Emotional and financial distress caused by being misrepresented. 

Relief Requested : Immediate deletion of the inaccurate addresses. 

Removal of XXXX XXXX XXXX and XXXX XXXX XXXX ( XX/XX/XXXX ) as they are not mine. 

Deletion of duplicate/inconsistent XXXX  entries under XXXX. 

Compliance with FCRA 1681e ( b ) and 1681i.

Experians Failure : By continuing to report false, unverifiable, and duplicative information after disputes, Experian is acting in willful violation of FCRA 1681n and negligent violation of FCRA 1681o.

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 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WV

Complaint narrative:
I paid XXXX on zelle for a deposit. And it was a scam. The thing that XXXX me off is its someone I know and she said it was her when I texted her. But her phone was hacked 3 months ago. She changed her number and never told anyone other than her parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent {$250.00} to the CashApp account XXXX XXXX from the cash app XXXX XXXXXXXX for concert tickets, but I never received the tickets as promised. Despite multiple attempts to follow up, the person has refused to refund my money or provide any explanation. I feel frustrated and disappointed by this experience, as I trusted them with my payment and have been left without either the tickets or a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned 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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Citibank Refusing to Investigate Fraudulent Chargeback Despite Evidence I am the victim of a false fraud claim. My mother, the cardholder, authorized a {$4500.00} payment to my attorney. She then filed a fraudulent chargeback with Citibank saying it was fraud after a personal disagreement. 

I have provided Citibank with irrefutable evidence of her authorization, including : Text messages where she explicitly approves the payment. 
A detailed sworn affidavit. 
The attorney 's invoice. 

Despite this, Citibank has refused to accept my evidence and is proceeding with the chargeback, violating Regulation E ( 12 CFR 1005.11 ), which requires them to conduct a full investigation. 

My demand is simple : Citibank must reverse the fraudulent chargeback and close this dispute in my favor based on the documented proof of authorization. 

Now what that means to me is that at this point I dont want the money she agreed to loan me neither does the attorney so she can have her {$4500.00} but I dont think its right that she can lie to her credit card company accusing her own son of fraud just because she thinks thats the only sure way shell get it back. 

Cardholder : XXXX XXXX XXXX : XXXX Chronology of Events : XXXX. On XX/XX/XXXX the cardholder authorized a {$4500.00} payment to XXXX XXXX for legal services. 
XXXX. This authorization was provided via text message ( see Exhibit A ). 
XXXX. On XX/XX/XXXX, the cardholder filed a false " fraud '' claim with Citibank. 
XXXX. I have submitted proof of authorization to Citibank multiple times, but they have ignored it. 

Evidence Provided : Exhibit A : Text messages proving cardholder authorization. 
Exhibit B : Invoice from attorney for {$4500.00}. 
Exhibit C : This summary for clarity. 

Violation : Citibank is in violation of Regulation E ( 12 CFR 1005.11 ) by refusing to investigate and consider provided evidence.

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 monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXXXXXX. XXXX with late reported on XX/XX/2023 To XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX with late reported on XX/XX/2023. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I applied to a new apartment and they informed me of the debt. I then called national collections/national credit systems on XX/XX/XXXX at XXXX and had an 11 minute phone call with a representative by the name of XXXX. He stated I have a $ XXXX debt and I asked for proof of this debt, I specifically asked for a detailed invoice. I gave him my email. He stated the invoice will reach my email within 20-30 minutes, but I never received it. During this phone call I also asked to set up a payment plan, and I asked for that to be sent to me as well. XXXX stated that he could not provide me with a written payment plan until Ive completely paid it off this debt, meaning I have no proof of what I am even paying. I ended the phone call respectfully and began to research, as this made no sense. It is against the Federal Debt Collection Practices Act to not provide me with a written payment plan that I agree to. I then called back on XX/XX/XXXX at XXXX and had an 8 minute conversation with representative XXXX again. I told him that it was against the FDCPA not to provide me with written proof of a payment plan and detailed invoice. He stated, actually no it is not, and then asked if I wanted to speak to his manager. I said yes and he connected me to his manager. She stated that she was aware of the entire situation, I then asked, so can you please provide me with a written payment plan? She stated that she could not do this. I stopped there and ended the phone call respectfully.

Company response to consumer: Closed with explanation