vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
XXXX notified me that my SS # was linked to a new address which was not mine. This was reported to the credit bureau by XXXX XXXX. Then I noticed I had a late payment reported on my credit report but never received email or mail regarding my bill. I called XXXX XXXX and they said my address, email and telephone # /contact info was all changed and charges were made on my account. I froze all XXXX credit bureaus and put a fraud alert for one year in place. I also filed with the FTC and signed up for 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 monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
On XX/XX/2025, my co-lessee, XXXX XXXX, and I submitted a formal debt validation request to Columbia Debt Recovery, LLC ( Genesis ) regarding an alleged debt reported on both of our credit reports. Genesis received this request on XX/XX/2025, via certified mail. 

Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), Genesis was required to cease all collection activity and provide full written validation within 30 days. They failed to do so. The only documentation they eventually provided was incomplete and lacked key items such as proof of their legal authority to collect, a full itemized breakdown of the charges, and documentation of accuracy. 

Despite this, on XX/XX/2025, Genesis reported the debt to the credit bureaus for both of us, while the debt was still under dispute and unresolved. This reporting occurred after the 30-day FDCPA validation period had expired, and while no proper verification had been provided.

This reporting is both inaccurate and a potential violation of FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ). The result has caused damage to both of our credit profiles and added significant financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: CA

Complaint narrative:
I use a service called " dailypay '' in which the majority of my net wages earned at end of the day from job, are made available to me at the end of the day after my shift, and taken out my regular paycheck. I normally use this service to cash out my day 's wages. The funds are made available immediately, with a fee, or they are deposited into my account the next day, with no fee. On XX/XX/XXXX at around XXXX I cashed out my day 's wages in the amount of {$120.00}. I got a message that normally pops up stating I had made a transfer. The next day, my wages were not deposited into my account. I called dailypay and I was told they only had a record of a transfer in the amount {$120.00} made on XX/XX/XXXX. I stated I had made a transfer on XX/XX/XXXX, but was told they had no record of it. 
I called back several times and kept being told they had no record of it. I finally had my case escalated, and emailed them proof from the dailypay app, that I had made the transfer. I kept going back and fourth in email with the representative ( an individual calling himself XXXX ) and after multiple emails, I was told by the representative " it seems like the screenshot is providing wrong dates ''. I have showed them proof I made the transfer, and for some reason they have no record of it on their end, when I have proof on mine. I am obviously worried about this because since I initiated the transfer, it will be taken out of my paycheck, without having ever received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding an account reported on my credit file by XXXX  ( Student Loan, Account # : XXXX ), which is currently being reported by TransUnion and Equifax .

Violations and Issues Identified : FCRA 605 ( a ) This account is obsolete, as the last activity occurred in XXXX, over XXXX  years ago. It must be deleted immediately from my report.

Inconsistent Reporting Dates TransUnion reports the last update as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. These dates conflict, indicating inaccurate and incomplete information, which violates FCRA 602 ( A ) and 607 ( b ).

Dispute Comment Violation ( FCRA 611 ) TransUnion continues to report Dispute resolved ; reported by grantor, which is misleading and should have been removed once the dispute was resolved. This affects how future lenders view the account.

FERPA Violation & Privacy Breach Given credible reports that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  ) were given unauthorized access to XXXX XXXX XXXX systems, there is now reasonable concern that my private educational financial records were accessed or exposed without consent. This potential FERPA violation warrants immediate deletion of any related educational accounts, including this one. 
I am requesting this account be deleted immediately from my credit file due to the violations listed above. I expect a prompt and lawful resolution in accordance with the FCRA and CFPB guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 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: FL

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 2025-03-22 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: FL

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this formal complaint regarding the tradeline reported under the name XXXX, a secured installment account that was closed and fully paid as of XX/XX/year>2022. 
Despite having a {$0.00} balance, no past due amount, and a closed status, both TransUnion and Experian continue to report 60-day and 90-day late payments for the months leading up to the accounts closure. This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies are required to maintain and report complete and accurate information. The presence of derogatory marks on a paid and closed account violates this requirement.

Additionally, Experian 's reporting abruptly cuts off, failing to match the full history reported by the other bureaus. This inconsistency across credit bureaus raises concerns of incomplete and unequal data furnishing, further violating FCRA guidelines.

I have attempted to dispute this item directly with the bureaus, yet the errors persist. I am requesting immediate deletion of account on all 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
This company is harassing me by calling me every single minute calling my work place calling my friends and what is unacceptable is calling my husbands relatives which they are not my reference when we got the loan and i dont even know the contact number of that relative i was just surprised because that relative called to let us know that Grandview called them up its really humiliating and to think i am just late for my payment for One month but i paid half of the month bill and im paying the late payment too whats the use of paying the late fee if they will humiliate me from my relatives i kept asking them not to bother people about this matter but they dont listen instead they looked on the internet the people that we are related with that is not right its ok if im not paying at all for several month but they know i am trying its just that my paycheck got delayed and also we did not complain about them charging us a lot the car is only $ XXXX i put a downpayment of $ XXXX and i end up paying the loan for {$550.00} per month in XXXX the total came up to $ XXXX its just too late to complain and i dont know anybody who can help... i hope you can help me solve this problem with this company..thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
No action was taken by me or company cause the company hasnt notify me of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: OH

Complaint narrative:
No action was taken by me or company cause the company hasnt notify me of collections.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a STUDENT LOAN opened with DEPARTMENT OF EDUCATION XXXX  on XXXX, XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a STUDENT LOAN opened with DEPARTMENT OF EDUCATION XXXX  on XXXX, XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I requested validation of the debt from the company. After reviewing the documents, I saw there was a discrepancy in the amount I was being charged under the original contract. The payment was not supposed to be changed at all since I signed a 60 month contract. When XXXX sold my account to XXXX, that is when all of the issues began. I was charged {$87.00} more over the course of 23 months of the contract, with the payment increasing about every 3 to 6 months. After reviewing the invoice from the credit collection agency, I saw they added additional charges and fees than what was outlined in the contract and what was charged off by the original collector. The original contract does not give the collection agency additional remedies that they can collect, other than the charge off amount. The charge off amount itself is incorrect because they added an additional {$87.00} above what was mentioned in the report. I attempted to contact the collection agency regarding this and the person I spoke with kept speaking over me, told me I needed to " just pay it '' and then finally she said if I didn't like it, I could " try '' to dispute it with the credit agencies. I am doing that and sending this complaint here as well for assistance with resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: NV

Complaint narrative:
Tek collect added a medical collection to my credit on XX/XX/year> well after regulation v took affect. Refuses to acknowledge regulation v and claims it doesnt apply to them. 
Called multiple times and harassed me from spoofed and random numbers after I blocked them multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
There are unrecognizable accounts that I found listed on my credit report. The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help.

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