vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
I went to the UMB branch in XXXX IL to cash in a CD I had in hand, The teller could not find any record of it and said she would have to investigate. XXXX days later I received a call stating the CD had been cash in 2016 for the amount of XXXX, I proceeded to ask for documentation which she could not produce. I then called the district manager XXXX XXXX at XXXX after leaving serveral message she returned my call I then informed her as what the problem was she then said she would have to do some investigating. After XXXX days she called back and said the CD was cashed in 2016 for the amount of XXXX by me and I have not cashed it. I then asked for documentation as to who cashed it as I have the original in hand I then asked how the CD was cash without the original she said there were proccedures to cash without the original I then asked for those to documents which she could not produce she said there was no documentation. I then asked why I never received a XXXX form for my taxes for interest on the CD, which she had no answer for, I then proceed to tell her I would be taking the next steps since she could not produce any documents since I have the original and I also have my taxes from that year which only shows interest accrued on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

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 XXXXB of the Fair Credit Reporting Act.

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 2025-07-20 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: IL

Complaint narrative:
I recently discovered a fraudulent account reported on my credit file this year with a balance of over {$30000.00}. I did not open or authorize this account, and I have no knowledge of any business dealings related to it. I believe this is the result of identity theft or a serious reporting error. 

After noticing the account, I contacted the company and requested full validation, including documentation with my signature or any evidence that I initiated or agreed to this account. I have not received sufficient documentation or proof verifying that this account belongs to me. 

Despite my dispute, the company has continued to report this account as accurate. This false information is XXXX damaging my credit profile and creating unnecessary financial and emotional stress. 

I am requesting that this account be fully investigated and permanently removed from all credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In XX/XX/year>, I was told by a Navy Federal Credit Union representative that I would be eligible to apply for a deferment if I experienced financial hardship. In XX/XX/year>, I contacted Navy Fed to do exactly that I requested a deferment due to increased expenses and temporary income instability. 

The rep I spoke with asked me to list my expenses in detail, then told me I was being denied deferment because I had too many expenses. This completely defeats the purpose of a hardship program, which is meant to provide relief because someone is struggling financially. It felt like a trap I was penalized for telling the truth. 

Denying deferment due to hardship violates the spirit of these programs and appears to contradict CFPB servicing standards. Additionally, I relied on the earlier representation from your employee that I would be eligible, and feel that the bank engaged in bad faith servicing, misleading communication, and potentially unfair/deceptive practices. 

Ive asked Navy Federal to explain in writing how hardship deferments are evaluated, but I have received no clear criteria or any alternative options to help avoid repossession. I believe this denial was done in bad faith and may violate CFPB XXXX XXXX regarding UDAAP and servicing inconsistencies. 

I am seeking : A formal investigation of this deferment denial process A review of their servicing standards and communication procedures Immediate action to prevent repossession while a fair solution is reached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : TO : Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Block and Deletion of Fraudulent Accounts and Inquiries Under 15 U.S.C. 1681c-2 Dear [ Experian / Equifax / TransUnion ] Representative, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am formally requesting the immediate block and permanent deletion of all accounts and inquiries that are the result of identity theft and were made without my knowledge or consent. 



I have initiated a fraud alert with your bureau and reported that fraudulent activity has occurred. The following accounts and inquiries were not authorized by me and must be removed immediately : Fraudulent/Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Various Dates According to 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft This law mandates that upon my request and documentation, you must block these accounts within XXXX ( XXXX ) business days and delete them from future reports. Failure to comply is a violation of federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies if necessary. 

I demand that the above-listed items be blocked and deleted immediately. Please confirm the completion of this request in writing within 15 days as required by the FCRA. 



Sincerely, 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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: HI

Complaint narrative:
XX/XX/year> LEGAL NOTICE FEDERAL TRADEMARK VIOLATION. REQUEST OF SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET HUMAN SIGNATURE. MATCHING THE SAME DATE, YOUVE STOLE MY IDENTITY GIVING ME THE RIGHT TO DISPUTE MATCHING REPORTED DATE OF THIS ALLEGED ACCOUNT TO MY CONSUMER REPORTS ALSO PLEASE SEND FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT PURCHASE AGREEMENT, SECURITIZED OF THE DEBT. WHO ARE YOU I HAVE NO BUSINESS WITH YOUR COMPANY PLEASE SEND CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS HARM DEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE INTENT TO SUE I HAVE NO BUSINESS WITH WAKEFIELD AND ASSOCIATES I DIDNT GIVE A CONSENT TO USE THIS ESTATE : XXXX XXXX XXXX IN COMMERCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Rental debt
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: PA

Complaint narrative:
I am disputing a lease-related collection placed by Genesis Credit Management ( Columbia Debt Recovery LLC ) for an apartment at The Pennsylvanian in XXXX. 

On XX/XX/year>, I submitted a formal dispute via email to XXXX and received no response. Per FDCPA 15 U.S.C. 1692g ( b ), they are required to pause collection and validate the debt once a written dispute is received. They did not.

The original landlord mailed the final balance to a PO Box I only used temporarily. I never received that notice. The landlord later admitted in writing that they had no confirmation of my key return and could not complete move-out processing or send my security deposit due to lack of a forwarding address. 

I only became aware of the balance after it was already sent to collections. I submitted a final notice dispute to Genesis again on XX/XX/year>, with all documentation attached and still received no response. 

I am requesting that this debt be removed and Genesis be investigated for violating federal dispute procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The account was not opened by me. It was a fraudulent transaction. The account was Citibank for {$2300.00}. Opened back in XX/XX/year>. I have never had a Citibank account.

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 2025-07-20 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-07-20 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
IT HAS COME TO MY ATTENTION THAT THERE ARE ALOT OF FRAUDULENT AND UNAUHTORIZED ACCOUNTS ON MY CONSUMER REPORT. I AM DISAPPOINTED THAT THE CREDIT BUREAUS WOULD NEGLECT MY INFORMATION LIKE THIS. I HAVEN'T USED MY CREDIT IN YEARS AND TO COME ACROSS THESE ACCOUNTS IS AN INSULT TO MY CHARACTER. PER THE FAIR CREDIT REPORTING ACT LAW THIS SHOULD NOT BE HAPPENING. PLEASE UPDATE MY CONSUMER REPORT SO THAT IT IS ACCURATE. I NEED MY INFORMATION PROTECTED.

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 2025-07-20 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: NC

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 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 2025-07-20 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: NJ

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 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 2025-07-20 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 2025-07-20 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: IL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX Account Still Reporting Inaccurately After Dispute Dear CFPB Representative, I am writing to file a formal complaint regarding an inaccurate and unresolved item on my Equifax credit report related to an account from XXXX ( Account # ending in XXXX ). Although I filed a dispute with Equifax, the information remains misleading and potentially harmful to my credit profile. 

Details of the Account : - Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Ending in XXXX Account Type : Revolving Charge Account - Status : Charge-Off ( but shows {$0.00} balance and PAID activity ) - Balance : $ XXXX Credit Limit : $ XXXX High Credit : $ XXXX Date Opened : XX/XX/XXXX, XXXX Last Payment : XXXX XXXX First Delinquency : XXXX XXXX Date Reported : XX/XX/year> Issues with the Reporting : XXXX. The account is reported as XXXX while also listing a {$0.00} balance and PAID status, which is contradictory and misleading. 
XXXX. No settlement details or resolution language is provided, such as Paid in Full or Settled for Less. 
XXXX. The account has not been updated since XX/XX/year>, suggesting it is not being reported accurately or in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. The continued derogatory status of a paid account is negatively affecting my credit, even though the debt has been resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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 non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management attempted to collect on a debt they claim originated with XXXX XXXX and charged off on XX/XX/XXXX. On XX/XX/XXXX, I received a letter regarding this account. Under Texas law ( Texas Civil Practice & Remedies Code 16.004 ), the statute of limitations for debt collection is four years. This makes the debt time-barred, and I am under no legal obligation to pay it.

I attempted to formally dispute the debt by fax and email. All fax attempts failed, and the provided email addresses bounced. I then submitted a written dispute through MCMs live chat, stating clearly that I do not acknowledge the debt, that it is time-barred, and that they must cease all collection attempts. I also instructed that all future contact be made in writing via email. Despite this, the agent refused to proceed without personal verification and did not acknowledge or respond to the dispute itself. 

MCM is attempting to collect on a debt that is no longer legally enforceable, and they have failed to provide a functional channel to dispute it. This raises serious FDCPA concerns. I am requesting CFPB assistance to ensure MCM ceases further collection efforts and removes this from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
my credit has been getting ran with out my consent permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
my credit has been getting ran with out my consent permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 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 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