vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
XXXX XXXX XXXX  complex is using XXXX or Columbia Debt Recovery to collect {$6000.00} in fraudulent charges. I left the apartment XXXX months early due to no ac which they never fixed, which is against the law in New Mexico per ordinance XXXX. Per the state I am allowed to leave if my unit is inhabitable and it was as me and my XXXX kids under XXXX became ill with heat exhaustion. We also had a violent neighbor who broke her own window and blamed it on my XXXX year old, XXXX  us saying she XXXX  her ex in the XXXX  and she said she was on XXXX different XXXX XXXX  She would bang on our walls from XXXX and yell XXXX  and XXXX at us every time XXXX went outside. I notified the office of this and they did nothing. I notified them of the neighbor, the infestation of XXXX XXXX XXXX XXXX XXXX  and also the XXXX and nothing was done so we left. The lease states it costs {$2100.00} to move out and break the lease, which is what they should charge instead of {$6000.00}. They are claiming we owe {$900.00} in painting and other charges for damage we didnt do. They are charging for XXXX months of rent plus the {$2100.00} to move out early plus whatever damages they are claiming we did. They will not give me specifics on what I owe and why, they refused to give me a physical XXXX  day notice paper so I cant provide that, and this is all on their phone records of every incident that has happened. Every time we went in and talked to them they told me they acknowledge the situation but then did nothing about any of it. They also rented the unit in XXXX XX/XX/year> as my United States Postal Service mail updates account stated as I saw the new mail coming in before deleting the updates for that address. This proves the unit is habitable unlike what they claimed when we moved out in XX/XX/year>. We tried for months to get a hold of them to discuss payment options but they never reached out until they put the charge on my credit report. They will not give me a receipt of what exactly I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, MD XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
I am submitting this complaint because the credit bureaus have failed to fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ). Despite submitting clear disputes identifying inaccurate and negative items on my credit report, the bureaus did not conduct a proper or reasonable investigation. These unverified accounts continue to appear on my report, causing unjust harm to my credit score and limiting my access to financial opportunitiesresulting in both personal and financial hardship.

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wasn't served properly serve by this company they just drop the package on my back pourch while no one was home so that is a violation on what this company has done

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Omnipoint Capital
State: NJ

Complaint narrative:
This company Omni Point Management Solutions, has continued to call me about a debt that they do not have the authority to collect on and after I have told them to stop calling. They also called my family member to get information from them about me after they have been told not to call them and to stop calling. I was spoken to very rudely by the representative and his manager after I told them that I have not received any letter regarding this debt from their office. They told me that they were preparing a lawsuit for this debt, which was a lie because I called the original debtor and was told by them that they sold the debt to another debt collection agency and not Omni Point Management Solutions. They continue to harass me by calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and unauthorized accounts and inquiries that I did not open, authorize, or benefit from. These entries do not belong to me and are unjustly damaging my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: IN

Complaint narrative:
Since XX/XX/2025 I have reached out to XXXX to receive my funds from working. I work for XXXX XXXX XXXX 

I used XXXX to access my earned wages ahead of payday. They have been waiting for their {$2.00} to be removed from my pay, since someone forgot to take it out ( Not my fault ). Since Tuesday they have gave me XXXX case numbers and said I had to wait XXXX to be updated, but no one has reached out at all. 

Tuesday, Someone name XXXX called me and said I had to wait until I got paid. I totally understood that. I spoke with someone Thursday and they stated I had to show proof of pay stubs. I tried to present it to multiple people and they either abruptly ended the chat or said they couldnt help me. I spoke with XXXX, XXXX, XXXX, and XXXX others I dont remember their name. I just called to speak with someone and was told the technical team cant release my funds. All of this for {$2.00} that was taken out and now they wont even acknowledge that I have proof. 
I provided my current pay stub as proof of my work schedule ( XXXX ), yet they placed a hold on my funds, claiming I need to wait until the system resets. Their technical team has access to all this information and still refuses to release my money. Through all of this I have been stranded and missed a job interview because of it. 

This is causing financial hardship. I request immediate release of my funds, removal of the hold, and a refund of any delays or related fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XX/XX/24

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 2025-07-14 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: WA

Complaint narrative:
I have submitted 4 previous complaints starting XX/XX/year>. Each time Experian explains they have an algorithm that works perfectly well and they have no idea why my FICO Score goes down XXXX points every other month. And up every other month. My first complaint left my XXXX credit score down to XXXX. Last month my score did not jump back up. So now it is sitting at XXXX. These are huge jumps. My credit has consistently improved over the past several years and I have not done anything over the last year that would cause my FICO score to decrease XXXX points at a time. Experian has given me 4 responses that do not tell me anything about what could possibly have changed in my credit report to cause these changes. I want to know what I can do about this issue. Im contemplating buying a new home and this will impact my credit greatly. I want my XXXXcredit score back. My credit scores on the other two agencies are XXXX and 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 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My debit card was declined twice in publiconce at a restaurant and once at XXXX while I was with my babyeven though I had enough money in my account. I was never notified that my card was being closed. When I contacted PNC Bank, they only offered to send me a new card but did not explain why my card was closed or apologize for the embarrassment caused. I requested a written explanation and an apology, but they did not provide one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
My account suddenly closed. The app says I did something against the apps policy, yet I don't understand or know what I did wrong. I really hate that my account is closed and would really like to reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX used Care credit for {$3100.00} Had XXXX  months no interest On XX/XX/XXXX was charged interest on initial amount ( XXXX ) Even though my balance was {$1100.00} Reached out on XX/XX/XXXX, as I do automatic payments and had not realized my balance had gone up so much. Was told my XXXX  day grace period was over and the only thing they could offer was a customer assistance plan and would not provide any other options. 
Offered to pay my XXXX balance. Told them this was predatory and was willing to work on a deal.

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 2025-07-14 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-14 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and unauthorized accounts and inquiries that I did not open, authorize, or benefit from. These entries do not belong to me and are unjustly damaging my credit standing.

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 2025-07-14 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: IL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and unauthorized accounts and inquiries that I did not open, authorize, or benefit from. These entries do not belong to me and are unjustly damaging my credit standing.

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 2025-07-14 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: DISCOVER BANK
State: CA

Complaint narrative:
I wrote to discover asking them to verify the account they claim they had under my SSN. The account came back verified and accurate so they say. In XXXX  this account was closed and sold to XXXX XXXX XXXX which is a collection agency. Although the account was sold by the original company in XXXX they are still reporting derogatory marks on my credit report which is causing my score to drop. Due to the FCRA the original company is on longer allowed to report anything to the credit bureaus about this account because it was transferred to another company. This is clearly a violation of my rights as a customer. The original company is supposed to mark the account off as sold and balance the amount off as XXXX, which they did not do. They are purposely violating federal laws and I am in great distress behind this matter. After they violated my rights my credit score has been continuously declining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: MS

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX https : XXXX Complaint Against First Advantage Background Services Corporation XXXX XXXX XXXX First Advantage Background Services Corporation XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Phone : XXXX Description of the Issue : I am filing this complaint to report a violation of my rights under the Fair Credit Reporting Act ( XXXX  ). I requested a review and correction of my background report, which contained pending criminal cases that should not have been reported. Despite my efforts, the company denied my dispute without justification, and the inaccurate information remains, adversely affecting my employment prospects at XXXX. 


Timeline of Events : XX/XX/year> : * * First Advantage initiated my background check for employment at XXXX. 
XX/XX/year> : * * I detected discrepancies in the report, including pending criminal cases XXXX # XXXX for trafficking in a controlled substance and Case # XXXX for XXXX that should not have been reported as they were unresolved. 
XX/XX/year> : * * Following XXXX hiring managers instruction, I contacted First Advantage via phone at XXXX. I was told they would investigate the discrepancies. 
XX/XX/year> : * * I was informed that my dispute was denied without any explanation or justification, and the incorrect pending cases remain on my report. 


Impact : The inclusion of unresolved and inaccurate criminal cases on my background report is misleading and has negatively impacted my employment opportunities at XXXX. Despite requesting correction, the report remains false, violating my rights under the FCRA. 


Attachments : Copies of my dispute correspondence The background report containing the disputed information Any supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Account XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief