vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Meta Payments Inc.
State: OH

Complaint narrative:
XX/XX/year> Attempted to call technical support for Meta and was unable to find a customer support phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal written dispute regarding the XXXX XXXX account that was closed on XX/XX/XXXX, and was marked as charged off. I requested that XXXX XXXX provide complete documentation validating the reported balance, delinquency dates, and legal authority to continue furnishing this data. 

In response, the remarks on my credit report were updated to say Dispute resolved reported by grantor, yet the account was not corrected or deleted. The balance remains reported at XXXX XXXXXXXX XXXX  of the original {$300.00} limitdespite the account being closed. Additionally, it reflects months of delinquencies post-closure, including entries marked XXXX days late well after the last payment on XX/XX/XXXX. 

No documentation was ever provided to substantiate the ongoing derogatory reporting or validate the amount being reported. This reporting contradicts Metro 2 standards and violates FCRA 1681i, which requires that unverifiable or inaccurate information be deleted.

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 2025-05-14 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: KS

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$830.00}

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 2025-05-14 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: TX

Complaint narrative:
In XX/XX/XXXX, I moved into an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to XXXX XXXXpecifically an XXXX XXXX XXXX and XXXX along with high crimeI submitted a XXXX notice to vacate in XX/XX/XXXX. I physically moved out during the last XXXX weeks of XX/XX/XXXX and did not return. 

Despite this, XXXX XXXX XXXX claimed they never received my notice and filed an eviction in early XXXX. That eviction was later dismissed by the court after they discovered I had already vacated the premises. 

Following the dismissal, they proceeded to charge me over {$3400.00} in alleged unpaid rent, utilities, and vague damageseven though I was no longer a resident. These charges included full rent for XXXX, pest control, parking fees, and damage assessments made without a walkthrough or signed inspection report. 

The debt was then sold to Columbia Debt Recovery XXXX, who has reported it to credit bureaus. This has damaged my credit profile, even though : I vacated the apartment properly. 

The eviction was dismissed. 

No documentation of move-out damages was provided. 

Utility and occupancy charges occurred after I left. 

I am requesting that the CFPB investigate Columbia Debt Recovery and XXXX XXXX XXXX for false debt reporting, failure to follow state landlord-tenant laws, and violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

This debt is inaccurate and unjustified, and I am seeking full removal from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I recently reviewed my credit report and found inaccurate information that is negatively affecting my credit. I am writing to dispute the following item and ask that it be investigated and corrected or removed if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-14 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: TX

Complaint narrative:
My information was leaked in data breeches and I would like all unauthorized inquiries removed from my report

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 2025-05-14 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: FL

Complaint narrative:
I am processing disputes on behalf of inaccurate information reported to my credit profile not following the FCRA & FDCPA laws. This has caused major inaccuracies reported a false information listed that is hindering my credit score and credit profile. These disputes needs to be investigated and resolved asap. Please review to remove all listed items reported to my dispute filing ASAP.

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 2025-05-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing XXXX derogatory marks. Each for {$2100.00} under XXXX XXXX XXXX which is a collection agency for XXXX XXXX. I submitted my dispute and received a denial letter from Equifax. I included a screenshot of the CFPB ruling. I also attempted to settle with XXXX XXXX due to the fact that I have medical insurance and they state it was never provided to them. Every doctor or medical service I hand my insurance information. Now they state its too late to submit it to XXXX. I asked them to remove it as well and they refused. 
I also offered to pay it at the rate they would have received from XXXX and they advised they would only accept {$1500.00} per XXXX. 

My case is it should not be on any of my credit reports because it is a medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I just checked my credit report and saw inquiries I dont recognize. Im really worried because I believe Ive been a victim of fraud. This has been so stressful, and its making it impossible for me to get the credit I desperately need. 
Please, Im asking for your help in removing these fraudulent inquiries. This situation has been overwhelming, and I dont know what else to do. Id truly appreciate any assistance you can provide. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IN

Complaint narrative:
I made a payment on my app for US Bank in the amount of {$250.00} on XX/XX/year>, well above my minimum payment due. I got a text today saying my minimum payment is due on XX/XX/XXXX of {$70.00} even though I already paid it when it showed on the XXXX. I called customer service and they said that I paid it a day early on the XXXX. I have attached records from my bank showing I paid it on the XXXX. I asked for them to correct it so it would show I paid the minimum payment as I am on XXXX and pay every month XXXX time. They refused to correct the error. They said they will waive the late fee that will be assessed but I still will owe the {$70.00}. I asked them to waive any late fee as agreed but to close my account. This is a shady business practice they use to get additional money and be able to charge additional fees. It is unfair that billion dollar companies prey on the poor.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/year> To Whom It May Concern, I am filing this complaint against Experian for their ongoing failure to correct inaccurate personal identifying information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer information.

I have submitted two separate certified mail disputes to Experian regarding inaccurate and unverifiable addresses that do not belong to me and at which I have never resided. I provided documentation supporting my identity and current address and included copies of my updated credit reports from TransUnion and Equifax, who both promptly deleted the incorrect addresses after my dispute. 
Despite these efforts and clear proof, Experian continues to report the inaccurate addresses and has failed to remove them from my file. This not only violates the FCRA but is also preventing me from completing necessary verifications and applications.

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 2025-05-14 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: TX

Complaint narrative:
On XX/XX/year> I requested the Description of the reinvestigation procedure according to 15 USC 1681i ( 7 ) states that if requested by the consumer this must be provided within 15 days in order to be in Compliance with the FCRA Guidelines They have failed to provide any Information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
On or around XX/XX/XXXX, I submitted a formal written dispute to TransUnion requesting the deletion of multiple hard inquiries that appeared on my credit report without my knowledge or authorization. These inquiries were allegedly made between XX/XX/XXXX and XX/XX/XXXX, and I do not recall applying for credit with many of the listed entities, nor did I authorize them to access my credit file. 

The disputed inquiries include : XXXX XXXX XX/XX/XXXX PRESTIGE FIN XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I specifically requested validation of each inquiry, including documentation showing that I provided written authorization or initiated a credit application. TransUnion did not provide any such documentation, yet the inquiries remain on my credit file. Their continued presence has negatively affected my credit score and violates the FCRA, which prohibits the use of consumer reports without a permissible purpose or proper authorization. 

I am filing this complaint to compel TransUnion to take corrective action in accordance with federal law.

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 2025-05-14 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: NV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is unable to generate a FICO Score and is denying positive sources of credit information based on my personal information being sent doesnt match the inaccurate information that they have in my file. 

I dont understand this because they are accepting debt collectors and attaching it to my credit file but denying any positive information.

I have contacted them many times and they put me down a rabbit hole of automated services that dont address the issue of correcting these errors.

My legal first name and current address are not accurate and I think based on this, Im not getting a fair credit report. 

They dont give any option or any solution to correcting this very important issue.

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 2025-05-14 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-14 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I participated in a promotional offer by SoFi XXXX called the XXXX XXXX. According to the official rules, if a new user opens an Active XXXX account and deposits at least {$50.00}, they are eligible to play an electronic claw game to receive a stock reward. I followed all of these requirements. 

I signed up for a SoFi Active XXXX account on XX/XX/year>, and deposited {$51.00} into the account. After the deposit, I was immediately prompted to the claw game, where I pulled a box and received a message stating I had won a {$200.00} credit toward any stock. I selected XXXX as my stock. 

I called SoFi support on XX/XX/year> at XXXX XXXX  and was told I needed to wait 7 days for the stock to appear. I followed up with another call on XX/XX/year> at XXXX XXXX, where I was informed that the issue would be resolved by manually granting me the {$200.00} stock bonus. I was given reference number XXXX. 

However, on XX/XX/year>, I was credited only {$5.00}, not the {$200.00} I was awarded in the promotion. I contacted support again on XX/XX/year> at XXXX XXXX and spoke with a supervisor, who told me they would not honor the {$200.00} bonus unless I provided a screenshot of the claw game result. 

At no point in the official promotion terms was a screenshot required to claim the prize. I followed all the stated rules, and the claw game itself confirmed that I had won {$200.00} in stock. Withholding the reward due to an undocumented requirement feels deceptive and unfair.

Company response to consumer: Closed with explanation