vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: SC

Complaint narrative:
The interest rate is very high. The amount that I've borrowed should have already been paid off. Also, I am being charged causing my account to go negative without the payment being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I HAD MOMEY IN MY ACCOUNT AND I CALLED THAT A DEALING WITH XXXX XXXX. AND A MAND CAME ON THE PHONE AND TALK TO ME. I COULD BARELY UNDERSTAND WHAT HE WAS SAYING. HE ASK ME TO DOWNLOAD SOMETHING BUT ICA N'T REMEBER WHAT I HAD DOWNLOAD ALL OF A SUDDEN MY MONEY STARTED DISAPPEARING OUT OF MY XXXX XXXX  ACOUNT YEAR WAS XXXX, UNTIL NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MO

Complaint narrative:
I am writing to follow up on my recent complaint submitted to the Consumer Financial Protection Bureau regarding inaccuracies on my credit report, including the presence of derogatory accounts that do not belong to me or are otherwise unverifiable. 

Despite my previous request, these accounts remain on my credit file and continue to have a negative impact on my creditworthiness. I respectfully request that the following actions be taken as required under the Fair Credit Reporting Act ( FCRA ) : Investigation and Deletion of Derogatory Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: MS

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : FACTUAL DATA 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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The debt from XXXX credit services fraudulently appeared on TransUnion report on XX/XX/year>. It not my account it fraudulent.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TN

Complaint narrative:
on XX/XX/XXXX I received a text that looked like scam from TekCollect that I had an outstanding balance that had gone to collections. I then received an email on the same day with the balance amount of {$260.00}. I called TekCollect and asked them to verify the amount and to send me a breakdown of my overdue changes to my email, but I have not received that. My payments to XXXX XXXX XXXX should have been completed in XXXX of XXXX. I have not received any notice of payments being overdue. XXXX XXXX XXXX went bankrupt and has no active customer service that could look at my account and verify that payments are overdue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I never used this bank, only a few times. I've just received notice that someone tried to submit a fraudulent check into the bank account. The bank is trying to charge me for the fraudulent activity and also closed my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am submitting a formal complaint against Columbia Debt Recovery LLC, doing business as Genesis Credit Management ( Genesis ), and against XXXX XXXX XXXX XXXX for continued reporting and collection of an apartment debt that has never been properly validated. 

BACKGROUND AND TIMELINE XX/XX/XXXX Genesis first reported a {$410.00} apartment collection on all three credit bureaus with no prior notice to me. 
XX/XX/XXXX I discovered the account on my XXXX report and disputed it. 
XX/XX/XXXX XXXX stated the debt was verified as accurate. 
XX/XX/XXXX I disputed with XXXX ( file # XXXX ). 
XXXX XXXX XXXX XXXX  again marked the account verified as reported. 
XX/XX/XXXX XXXX reinvestigation closed ; the item remained unchanged. 
XX/XX/XXXX XXXX reinvestigation ( file # XXXX ) also verified. 
XX/XX/XXXX XXXX  now shows a {$460.00} balance after unexplained monthly increases. 

DOCUMENTS PROVIDED BY GENESIS Genesis has supplied only : A generic Final Move-Out Statement A copy of a digitally signed lease They have never provided : An itemized list of charges ( cleaning, damages, etc. ) Proof the balance is accurate or an explanation of the extra {$45.00} in fees/interest Chain-of-title documentation showing they own or are authorized to collect the debt A move-out inspection signed by me STATUTORY VIOLATIONS Genesis 15 U.S.C. 1692g ( b ) : continued collection without first providing full validation 15 U.S.C. 1692e ( 2 ) & ( 8 ) : misrepresenting the amount owed and reporting it as accurate 15 U.S.C. 1692f ( 1 ) : attempting to collect fees not permitted by the lease or Texas law 15 U.S.C. 1681s-2 ( b ) : furnishing inaccurate information after my disputes Credit bureaus 15 U.S.C. 1681i ( a ) : failing to conduct a reasonable reinvestigation ; each bureau relied on Genesiss boiler-plate response and provided no method of verification 15 U.S.C. 1681e ( b ) : reporting a balance that grows monthly even though the apartment was vacated in XXXX Re-aging : Experian and TransUnion list Date Opened XX/XX/XXXX, extending the reporting period ; the correct date of first delinquency is XX/XX/XXXX CONCRETE HARM Current XXXX XXXX XXXX, yet lenders treat me as sub-prime because of the open collection Auto-loan refinance in XXXX with University XXXX approved at XXXX XXXX XXXXXXXX ; pre-collection rates for my profile were about XXXX XXXX  costing roughly {$1500.00} in extra interest XXXX major credit-card applications ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX denied for derogatory collection Higher insurance premiums due to a reduced credit-based insurance score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting my XXXX XXXX tradeline XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with internally inconsistent and misleading information. 

Equifax file date : XX/XX/XXXX. 
What the file shows together : Account Status : CLOSED ; Activity : PAID_AND_CLOSED ; Balance : {$0.00}. 
Comments/Narratives : CHARGED OFF ACCOUNT, ACCOUNT PAID FOR LESS THAN FULL BALANCE, and CLOSED OR PAID ACCOUNT/ZERO BALANCE. 
Payment history : repeated CO/charge-off codes through XXXX and XXXX XXXX. 
XXXX : XX/XX/XXXX ; Date Reported : XX/XX/XXXX ; Date of Last Activity : blank. 

Showing paid/closed/ {$0.00} while coding monthly CO is logically incompatible and fails CDIA Metro 2 consistency ( Account Status, Payment Rating/PHP, Past-Due/Balance, XXXX XXXX and Date of Account Information must align ). Even if technically accurate, this presentation is misleading in violation of FCRA XXXX81e ( b ) ( maximum possible accuracy ). I disputed and requested a reasonable reinvestigation and Method of Verification ( MOV ) on this tradeline ; Equifax has not corrected the contradictions nor provided a meaningful MOV, contrary to FCRA 1681i ( a ). Once notified, the furnisher ( XXXX ) must investigate and modify/delete anything inaccurate or unverifiable under 1681s-2 ( b ). 

Impact : score suppression, risk of adverse credit decisions, and time/expense to fix errors I did not create. 

Requested outcome ( for company response ) : correct to a single accurate final status ( Paid/Settled {$0.00} balance ) and remove all monthly CO codes that post-date the paid/closed event, or delete the tradeline under 1681i ( a ) ( 5 ) ( A ) if no objective documentary evidence exists ; provide full MOV ( furnishers XXXX  via e-OSCAR, verifier name/date, system used, and XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to dispute fraudulent accounts that have been wrongly attached to my credit file. I want to make it explicitly clear that I have no connection to these accounts, never authorized them, and never engaged in any activity related to them. Their reporting is a direct misrepresentation of my financial behavior and has already created unnecessary obstacles in my personal and financial life. The inclusion of these accounts damages the accuracy and reliability of my credit record. It presents a distorted version of my financial history that is misleading, unjust, and harmful. It is my right to have only verified and accurate information appear in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
Account information has been wrong for the last year from present day dating back to XXXX of XXXX. Says its late but not true. Its paid in full and needs to be updated as never late. I was part of data breach and Information is incorrect. The account was never late

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 2025-09-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX  advising them that I had responded to a contest on XXXX where I allegedly won a contest for airplane tickets and had to pay {$9.00} to have them sent to me. I used my XXXX XXXX XXXX XXXX to pay but was charged {$14.00} and then {$69.00} on the same day. Within 1 hour, I noticed the false charges and contacted XXXX XXXX  to cancel the charges and was told I could not since they were pending. The charges were listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX, VA. I tried contacting them but could find no listing and XXXX XXXX had no phone listing for them either. I was on vacation in FL at the time and told XXXX XXXX  to send me the dispute form to my condominium in FL at not my home in MA. They didn't listen. Not receiving the dispute form, I called them again and they said I should send them a fax which I did. When I returned home from FL on or about XX/XX/XXXX, I found that on or about XX/XX/XXXX, they sent me a letter denying my claim with no explanation. I immediately called XXXX XXXX and was advised that I could appeal. On XX/XX/XXXX I filed my appeal. I have never received a written response. After numerous phone calls, I was told, yesterday, XXXX XXXX, by phone that my appeal was denied with no explanation. I have never received any airline tickets or any other product from this scam transaction. This all could have been avoided the same day that I noticed the fraud but XXXX did not freeze the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence serves as a formal dispute of fraudulent accounts reported under my name. I categorically state that I did not open, authorize, or have any connection to these accounts. Their inclusion on my report has caused undue harm, stress, and damage to the accuracy of my financial record. The reporting of these accounts creates an unjust portrayal of my financial responsibility, which is both misleading and detrimental. Allowing these fraudulent accounts to remain would only further compound the harm I am already experiencing, and therefore they must be removed without hesitation.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am submitting a formal complaint regarding the account reported by XXXX XXXX XXXX for XXXX XXXX. This account is reporting inconsistent balances across credit bureaus on Equifax and on Experian and TransUnion which violates the FCRA requirement for accurate and consistent reporting. 

A previous dispute was submitted, but no documentation or proper verification was provided to support the accuracy of the balances or account details. Under FCRA 1681i, credit bureaus are required to conduct a reasonable reinvestigation, and any unverifiable or inaccurate item must be deleted.

I am also requesting, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), that the credit bureaus disclose the Method of Verification used to confirm the account : who verified it, what documents were reviewed, and when the verification took place. 

This unresolved inaccuracy is negatively affecting my credit profile and is grounds for regulatory enforcement if not corrected. I am seeking CFPB support to enforce FCRA compliance and ensure a fair outcome.

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 2025-09-24 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: CA

Complaint narrative:
I am submitting a formal complaint regarding the account reported by XXXX XXXX XXXX for XXXX XXXX. This account is reporting inconsistent balances across credit bureaus on Equifax and on Experian and TransUnion which violates the FCRA requirement for accurate and consistent reporting. 

A previous dispute was submitted, but no documentation or proper verification was provided to support the accuracy of the balances or account details. Under FCRA 1681i, credit bureaus are required to conduct a reasonable reinvestigation, and any unverifiable or inaccurate item must be deleted.

I am also requesting, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), that the credit bureaus disclose the Method of Verification used to confirm the account : who verified it, what documents were reviewed, and when the verification took place. 

This unresolved inaccuracy is negatively affecting my credit profile and is grounds for regulatory enforcement if not corrected. I am seeking CFPB support to enforce FCRA compliance and ensure a fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
My account balances are always low. Money disappears from my accounts. Cash App customer service is the thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-24 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: IA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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