vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
They are being very rude when I answer the phone and seek information about my debt and they keep calling me when Ive already spoke to them letting them know that I will contact them to make my decision if I want to settle the debt or do payments and the operator starts being very rude and saying remarks like you work dont you people need to be considerate of everybodys situation I have to pay bills and rent at the place I live on top of groceries and other bills while trying to save and pay you guys I do have a debt and fully intent to pay it but its not fair that they treat me like Im not worth anything its dehumanizing and very disappointing specially in such a professional field of work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-08 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to express my dissatisfaction with Wells Fargo Bank regarding my denied dispute claim for unauthorized transactions. 

On XX/XX/year>, I logged into my account through online banking and noticed XXXX transactions that I did not authorize : XXXX for {$1500.00} and another for {$2400.00}. 

I immediately called the bank and filed a claim to dispute these unauthorized transactions. The representative advised me to close my account and put a stop on my debit card, which I agreed to do, and subsequently opened a new account. 

During my conversation with the representative, I observed a transfer of {$4000.00} from my savings account to my checking account. It seems that someone, who spoke XXXX, called in and transferred funds between my accounts. At that time, my checking account had insufficient funds, and the XXXX unauthorized transactions occurred immediately after that transfer. 

I am very disappointed with Wells Fargo because someone was able to transfer funds between my accounts despite being told by the representative that there would be a series of questions to verify my identity. I do not speak XXXX and have never called to transfer funds between my accounts ; I always use the Wells Fargo app for online banking.

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 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXXXXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-04-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my information was exposed in date breach and these company 's is reporting fraudulent information on my credit report i have requested that they provide the purchased agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belong to me

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ) for reporting false and damaging credit information to Experian and XXXX during a federally declared disaster. In XX/XX/year>, I notified XXXX that I was affected by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They acknowledged this and placed my XXXX loan account into disaster-related deferment. 

My payment was not due until XX/XX/year>, and I have never made a late payment on this account. Despite this, XXXX reported a XXXX late payment for XX/XX/year> to Experian and XXXX. This is factually false, as I was in deferment before the due date and the account was in good standing. 

This violates the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) and ( b ) ), which prohibits furnishing false information and failing to correct errors after a dispute. According to XXXX XXXX XXXX and the XXXX XXXX model, when an account is in deferment due to a disaster and was current before deferment, it must not be reported as delinquent. 

The credit bureaus are also showing system comment errors, including repeated Invalid date entries, which further reflect mishandling of the disaster notation and data submission by 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX  XXXX XXXX with account number XXXX My credit report states that this company has charged off my balance every month from XXXX XXXX XXXX, this should not be possible as it is only charged off one time. I request that you VERIFY all information tied to this account and provide me with copies of any documentation associated with your investigation.

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 2025-04-08 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: TX

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX or more credit reporting agencies and/or data furnishers. 

Despite my formal disputes regarding inaccurate or unverifiable information on my credit report, the credit reporting agencies have failed to correct or remove the disputed items within the legally required timeframe. This failure directly violates my rights under the FCRA, which mandates that consumer reporting agencies must conduct a reasonable investigation and remove or correct any information that is found to be inaccurate or can not be verified. 

Additionally, I believe that the credit reporting agencies are not fulfilling their legal obligations to ensure the maximum possible accuracy of the information contained in my credit file, as required under 15 U.S.C. 1681e ( b ).

These inaccuracies are negatively impacting my creditworthiness and ability to obtain credit, housing, and other services. I respectfully request the CFPB to investigate this matter and take appropriate action to ensure compliance with federal law. 

I have attached documentation to support my claims, including copies of dispute letters, responses ( or lack thereof ), and relevant credit report entries. 

Thank you for your time and assistance in addressing this matter.

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 2025-04-08 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: TX

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX or more credit reporting agencies and/or data furnishers. 

Despite my formal disputes regarding inaccurate or unverifiable information on my credit report, the credit reporting agencies have failed to correct or remove the disputed items within the legally required timeframe. This failure directly violates my rights under the FCRA, which mandates that consumer reporting agencies must conduct a reasonable investigation and remove or correct any information that is found to be inaccurate or can not be verified. 

Additionally, I believe that the credit reporting agencies are not fulfilling their legal obligations to ensure the maximum possible accuracy of the information contained in my credit file, as required under 15 U.S.C. 1681e ( b ).

These inaccuracies are negatively impacting my creditworthiness and ability to obtain credit, housing, and other services. I respectfully request the CFPB to investigate this matter and take appropriate action to ensure compliance with federal law. 

I have attached documentation to support my claims, including copies of dispute letters, responses ( or lack thereof ), and relevant credit report entries. 

Thank you for your time and assistance in addressing this matter.

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 2025-04-08 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: CA

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued.

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

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 2025-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX, I got a solar loan in XXXX XXXX with a company called XXXX. All of the sudden I was told GoodLeap will take over payments which I have been baying. Recently I looked at my credit report and found out his account has been closed since XX/XX/year> and is posted on my credit report as charge-off account. If the account has been closed who is taking my money? I have not missed any payments all this years. I think someone in this company is collecting from me even thou the account has been closed for year. pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX  ( XXXX  ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX  XXXX-XXXX**** {$640.00} Date Opened : XXXX/XXXX/XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt.

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
my information was exposed in date breach and these company 's is reporting fraudulent information on my credit report i have requested that they provide the purchased agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
my information was exposed in date breach and these company 's is reporting fraudulent information on my credit report i have requested that they provide the purchased agreement to show full ownership of such accounts and also other documents so i may review to see if this is actually an account that belong to me

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX [ Insert Address ] Subject : Formal Dispute of Inaccurate Credit Reporting Repossession Claim Dear XXXX XXXX XXXX, I am writing to formally dispute and demand immediate correction of inaccurate and unlawful information your company is reporting to the credit reporting agencies regarding an alleged vehicle repossession. This notation is appearing on my credit report and is damaging my creditworthiness, reputation, and financial standing. 

After reviewing my consumer report, I discovered that XXXX XXXX XXXX is reporting a repossession, which is false, misleading, and not in compliance with federal or state law. No lawful repossession action was ever initiated or completed in accordance with the Uniform Commercial Code ( UCC Article XXXX ) or other relevant provisions governing secured transactions. 

Moreover, you are in willful violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S. CXXXX XXXX, which requires furnishers of information to report accurate and verifiable information. By continuing to report this repossession without legal basis or evidence, you are engaging in : Willful Misconduct under FCRA XXXXn, which allows for actual, statutory, and punitive damages, as well as attorneys fees. 
Negligent Noncompliance under FCRA XXXXo. 
Failure to conduct a reasonable investigation upon notification of a dispute. 
You are also reminded that under UCC XXXX, a secured party may only take possession of collateral after default without breach of the peace, and must comply with all contractual and statutory requirements. I have received no lawful notice of default, right to cure, or repossession proceedings, and therefore your reporting is baseless and unlawful. 

Demand for Action : Immediately remove the false repossession entry from all credit reporting agencies. 
Provide written confirmation that the negative item has been deleted. 
Provide copies of any and all documentation you claim supports the legitimacy of this repossession, including the original contract, payment history, notice of default, and evidence of lawful repossession. 
If you fail to correct and remedy this situation within 15 days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Pennsylvania Attorney Generals Office. I also reserve the right to pursue legal action for damages under the FCRA and any other applicable laws.

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 2025-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
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 2025-04-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation