vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I was laid off from work and I asked them naturally to have these late payments be forgiven and they have said yes but they are still reporting these late. I have contacted them and have not given any updates at all this is my last resort.

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 2025-03-08 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: MA

Complaint narrative:
am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

these are the following accounts- XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX *I DISPUTE OWING ANY and ALL DEBT TO YOUR COMPANY, IF YOU THINK I OWE ANY DEBT TO YOUR COMPANY SEND PROOF IN WRITING ONLY VIA MAIL. I REVOKE ALL RIGTHS WITH YOU COMMUNICATING WITH ME THROUGH CALLS/TEXTS/EMAILS. 
* To Whom It May Concern, I am writing to dispute the validity of the above-referenced account, as it has been reported on my credit report without my knowledge or proper validation. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I demand validation and other clarifications about this debt.

Request for Debt Validation Please provide concrete proof that establishes my liability for this debt. This should include but is not limited to the original contract, detailed breakdown of the amount claimed, the original creditor, and the original date of default. 
Licensing and Bonding Show documented proof that Collection Agency Name is licensed and bonded to collect debts in my jurisdiction.

Ownership and Debt Buying Process Explain your process for buying debts and show me concrete proof, in writing, that you legally own this debt. Provide me with forward flow agreement with you and original creditor. 
Violations Communication in Connection with Debt Collection : I have not received any communication regarding this debt. Provide evidence that supports your claim that my address was undeliverable.

Harassment and Abuse : Reporting an account on my credit report without my knowledge or proof of validation falls under harassment and abuse. 
False and Misleading Representations : You claim to be collecting this debt on behalf of another company. This is both false and misleading as the information is inaccurate. 
15 U.S.C. 1692k Civil Liability I hereby remind you that non-compliance with the FDCPA may result in civil liability under 15 U.S.C. 1692k, including damages.

Account Deletion and Notification to Credit Reporting Agencies If you fail to comply with my requests, I demand immediate deletion of this account from my credit report. Furthermore, I insist that you notify all credit reporting agencies that this account is in dispute and the report is inaccurate.

You have 30 days to comply with this request. Failing to provide the information within this timeframe will result in legal action. 
For the record, I am keeping meticulous notes of all interactions regarding this matter, including copies of all correspondence and details of all telephone communications. 
I expect prompt attention to this serious matter. 
Sincerely, 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 2025-03-08 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: NY

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

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 2025-03-08 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: TX

Complaint narrative:
There has been an incorrect information on my report which is a collection that i do not know anything about, kindly review this and remove as soon as possible because it is unfair to supply false and inaccurate information on consumer profile, please remove this as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I asked for an XXXX or XXXX  from the customer representative and manager sent to me for the scheduled payment for 72 months showing principal charges and finance charges done monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: IL

Complaint narrative:
My personal information was compromised during a home burglary and used to open several fraudulent accounts without my knowledge ; while I was XXXX  XXXX  in the XXXX XXXX. Please Help. Thank you again! 

Accounts are as followsXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX amount owed {$18000.00} XXXX  XXXX opened XX/XX/XXXX Account # XXXX amount owed {$420.00} XXXX  XXXX Opened XX/XX/XXXXXXXX  Account # XXXX amount owed {$730.00}

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 2025-03-08 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: IL

Complaint narrative:
My personal information was compromised during a home burglary and used to open several fraudulent accounts without my knowledge ; while I was XXXX XXXX XXXX XXXX XXXX XXXX. Please Help. Thank you again! 

Accounts are as XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  Account # XXXX amount owed {$18000.00} XXXX  XXXX opened XX/XX/XXXXXXXX  Account # XXXX amount owed {$420.00} XXXX  XXXX Opened XX/XX/XXXX Account # XXXX amount owed {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
My personal information was compromised during a home burglary and used to open several fraudulent accounts without my knowledge ; while I was XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please Help. Thank you again! 

Accounts are as XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX amount owed {$18000.00} XXXX  XXXX opened XX/XX/XXXX Account # XXXX amount owed {$420.00} XXXX  XXXX Opened XX/XX/XXXX Account # XXXX amount owed {$730.00}

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 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened a checking and a savings account with Citibank. Then was offered a better checking I could also open so I did. I funded the checking account with {$50.00}, the access checking with {$25.00} and the citi savings with {$25.00}. All transfers went through without a problem from my XXXX  checking account however as soon as the funds were made available in Citibank I got an email saying all 3 accounts were being closed after a random review. I got my debit card and check book in the mail from them but are of no use and Im not even allowed to enter the accounts anymore. I dont make much money. I already transferred my veteran direct deposits to go into my new accounts. Now who knows if Ill get paid next month. And Ive been offered no solutions or timeframes to get my money back.. This is {$100.00} dollars total that means a lot to me. Im a XXXX veteran and they are causing me so much stress and anxiety. I need help. XX/XX/XXXX I made 3 separate deposits from my XXXX account. {$50.00}, {$25.00} and {$25.00}. XX/XX/XXXX I got an email my accounts were being closed and no explanation or help. Main checking # was 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 2025-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have revived an email that I owe some money and Columbia debt collector is trying to collect it. i have disputed the charge as the rental apartment company has agreed to lower the charge but then they did not. The charge was based on falsifications at the very beginning because they wanted to lay for the carpet replacement and carpet was totally new and almost hardly used. The debt collector had not reached back to me after I filed the dispute and they are completely ghosted. First email I received clearly stares that if I dispute the account, they will not report it to credit bureau until dispute is resolved but I come yo know that thru gave reported it to credit bureau. I have agreed to pay the debt but i wanted it to reduce to the amount apartment rental company has promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax keeps putting a freeze on my credit report and it affects my credit for the past year. 

I have never requested a credit freeze I have previously requested to remove this. 

When I call I have been disconnected twice and my online account is locked and will not let me in and keeps telling me to call. 

I can not request credit limit increases on most of my credit cards that use Equifax cause it says it locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im writing because Ive noticed a credit inquiry on my report that I did not authorize. I want to be clear : I never gave permission for this company to pull my credit, and I have no idea how this happened.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX  Account number - XXXX _________________________________________________________ INQUIRIES XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Miscellaneous Finance XX/XX/year> 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-03-08 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account # : - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX : Original creditor : XXXX XXXX  Account number - XXXX _________________________________________________________ INQUIRIES XXXX XXXX XXXX Credit Unions XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Miscellaneous Finance XX/XX/year> 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I deposited a bank draft for {$46000.00} into my Truist Checking account. This draft was drawn on a XXXX XXXX account by XXXX. It was funds from selling a vehicle. Truist put a 12 day hold on the funds with the reason that I have utilized their " negative balance buffer '' feature of my checking account too many times. 

I am being penalized for utilizing a feature of the account that they offer and advertise.

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 2025-03-08 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: CA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an account on my credit report that doesnt belong to meit appears to be someone elses information thats been mixed up with mine. This is causing confusion and, frankly, its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I always mail out my credit card statements early and on time. Unfortunately, mail tampering and check theft have been reported in my community. I sent out my check to the XXXX XXXX credit card people. They said they never received it. They are charging me outrageous fees. I am elderly. If I am saying the check was lost or stolen, then that is what happened. I have closed out my credit card company since they make money off of this. They could be the XXXXs and say they didn't get the check, to charge extra fees. Why would they jump to the fact I am a XXXX and not sending it in? Not everyone is XXXX and XXXX  about this. They have lost me as a customer because of their predatory practices. There have been reports of unsavory post office people stealing things, people having the master key, and tampering with mail. Also, lots of mail lost in my area. We are hiring so many mail people now, and there have been a lot of reports of mail going missing, etc. This is in XXXX, where they barely care about anything until it becomes a serious problem. Or it affects the privileged people. I do not like companies that jump to the person lying. I am disgusted. XXXX dollar bill over something that is like XXXX over a check I sent in. I am tired of predatory companies and uncaring people.

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 2025-03-08 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: NV

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$5200.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$570.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$310.00}

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