vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-21 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:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-07-21 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: Experian Information Solutions Inc.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
During covid I was unable to pay my rent. I got money from the state that paid all of my bills including rent there was a XXXX balance the money was sent direct to my apartment complex. I moved and now 5 years later I get a notice on my credit that I have a debt. I contacted them showed them the XXXX balance and they still placed this on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
My identity was stolen. I demand you remove the items from my credit report. In accordance to 15 U.S.C section 1681 of the Fair Reporting Act all companies involved are in violation at this time due to reporting inaccurate information to my credit 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 explanation
Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
My identity was stolen. I demand you remove the items from my credit report. In accordance to 15 U.S.C section 1681 of the Fair Reporting Act all companies involved are in violation at this time due to reporting inaccurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
My identity was stolen. I demand you remove the items from my credit report. In accordance to 15 U.S.C section 1681 of the Fair Reporting Act all companies involved are in violation at this time due to reporting inaccurate information to my credit 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 explanation
Consumer complaint received 2025-07-21 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint because a charged-off installment loan is being reported on my credit report with a {$0.00} balance, yet the account still reflects a negative/derogatory status. This is misleading and damaging to my credit profile. 

The account was settled/paid in full, and there is no outstanding balance owed. According to the Fair Credit Reporting Act ( FCRA ), credit reporting must be accurate, complete, and not misleading. 

I am requesting the immediate removal of this account from my credit report, or at minimum, a correction to reflect that it has been resolved with no negative impact, as the continued derogatory status with a {$0.00} balance is inaccurate and unfairly penalizing me. 

I have previously attempted to resolve this directly with the furnisher and/or credit bureaus, but the inaccurate reporting persists. 

Please investigate this matter and ensure compliance with FCRA regulations. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I opened a fraud investigation for unauthorized charges on my debit card back in XXXX of XXXX. Due to the fraudulent charges, it caused my account to overdraft multiple times. I inquired about the overdraft fees while filing my claim and they told me they would ensure they were all refunded. However, the bank only refunded a couple of those overdraft fees, but left the newer ones on there. All charges should have been fully reassessed at that point because those charges caused issues all through the account. Fast forward to the beginning of XXXX, XXXX. I have been trying to get in contact with the bank manager, but then she went out of town. I have even emailed the main manager here as well, but still have not gotten any assistance. The bank has currently charged me a total of {$2800.00} in overdraft fees. This amount does not include any returned payment fees or late fees that have since accrued from almost all of my auto draft accounts. The bank returned the payment on auto draft payments, but continued to pay the one time charges and in turn just continued to charge me overdraft fees. I have been a member of that bank for over 6 years now and have never had any issues until recently. They did have a new buyer that changed the bank from First Tennessee to First Horizon, which is exactly when all of the complications began.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file by XXXX XXXX XXXX  ( account ending in XXXX ) with respect to both Equifax, Experian, and TransUnion. 
According to the records on my credit report, this account is listed as closed with a charged-off balance of {$3200.00}, with a poor payment history and high utilization. However, this is not an accurate reflection of the current status of the account. 

Background : On XX/XX/year>, I received an official offer from XXXX to settle the charged-off balance of {$3500.00} for $ XXXX represented 10 % of the full balance. The agreement clearly stated : Once you've paid this amount, your remaining balance will be reduced to {$0.00} and all collections activities will stop. 
On XX/XX/year>, I made the full payment of {$350.00}, as confirmed by the attached bank transaction ( via XXXX XXXX XXXX XXXX, ACH debit to XXXX  ). This payment satisfies the terms of the agreement, and therefore the balance owed should be {$0.00} and the account should be marked as Settled in Full or Paid Less Than Full Balance, without continuing to report as negative or derogatory. 

Current Inaccuracy : Despite completing the settlement terms in full, the account is still : * Reporting a balance of {$3200.00} * Reporting as charged off and negative * Reflecting ongoing late payment activity, particularly through XXXX  * Displaying 108 % utilization, inaccurately inflating my credit usage ratio Supporting Documentation : 1. Settlement Offer Email from XXXX dated XX/XX/year> XXXX. Bank Transaction Proof from XXXX XXXX XXXX XXXX dated XX/XX/year> showing the payment of {$350.00} 3. Screenshot from XXXX dated XX/XX/year> showing continued negative reporting of the account This inaccurate and outdated reporting is unjustly harming my credit profile, despite my good faith effort and full cooperation to settle this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information being reported on my credit file by XXXX XXXX XXXX  ( account ending in XXXX ) with respect to both Equifax, Experian, and TransUnion. 
According to the records on my credit report, this account is listed as closed with a charged-off balance of {$3200.00}, with a poor payment history and high utilization. However, this is not an accurate reflection of the current status of the account. 

Background : On XX/XX/year>, I received an official offer from XXXX to settle the charged-off balance of {$3500.00} for $ XXXX represented 10 % of the full balance. The agreement clearly stated : Once you've paid this amount, your remaining balance will be reduced to {$0.00} and all collections activities will stop. 
On XX/XX/year>, I made the full payment of {$350.00}, as confirmed by the attached bank transaction ( via XXXX XXXX XXXX XXXX, ACH debit to XXXX  ). This payment satisfies the terms of the agreement, and therefore the balance owed should be {$0.00} and the account should be marked as Settled in Full or Paid Less Than Full Balance, without continuing to report as negative or derogatory. 

Current Inaccuracy : Despite completing the settlement terms in full, the account is still : * Reporting a balance of {$3200.00} * Reporting as charged off and negative * Reflecting ongoing late payment activity, particularly through XXXX  * Displaying 108 % utilization, inaccurately inflating my credit usage ratio Supporting Documentation : 1. Settlement Offer Email from XXXX dated XX/XX/year> XXXX. Bank Transaction Proof from XXXX XXXX XXXX XXXX dated XX/XX/year> showing the payment of {$350.00} 3. Screenshot from XXXX dated XX/XX/year> showing continued negative reporting of the account This inaccurate and outdated reporting is unjustly harming my credit profile, despite my good faith effort and full cooperation to settle this debt.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted multiple notifications and outreach attempts to TransUnion regarding a credit reporting issue, specifically on the following dates : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. Despite repeated and timely efforts, TransUnion has failed to provide any acknowledgment, response, or corrective action to address my concerns. Their lack of communication and refusal to engage has hindered my ability to restore and maintain accurate credit information. This pattern of disregard has caused unnecessary delays, financial distress, and an erosion of trust. I am requesting the CFPBs assistance in obtaining a resolution and ensuring TransUnion upholds its legal obligation to investigate and respond to consumer disputes in a timely manner.

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 2025-07-21 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT ALL NEGATIVE, INACCURATE, UNLAWFUL FINDINGS BE BLOCKED AND DELETED FROM MY CREDIT PROFILE. PLEASE REVIEW ALL ATTACHMENTS THAT WILL ENCLOSE THE FOLLOWING CREDENTIALS, ID, SSN, CURRENT PROOF OF RESIDENCY, AS WELL AS A FORMAL DISPUTE DETAILING ALL ACCOUNTS

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 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased furniture from XXXX in XXXX, XXXX, and their sales team clearly informed me that the Synchrony Bank financing was 0 % interest with automatic monthly deduction for up to XXXX years. This was also advertised on their website and in-store signage. Based on this information, I made the purchase using Synchrony credit. 

I have made every monthly payment on time ( XXXX deduct ), and no one ever informed me that this was a XXXX promotional plan or that interest would be applied after a year. 

Suddenly, my Synchrony account was charged {$1200.00} in interest after XXXX year without any prior notice ( customer team mentioning it is there in my statement but when i use an auto pay why would i check my ststament every month, The idea of making auto debit is to avoid manual process ). When I contacted customer service, they told me this was part of a promotional plan that expired, but I was never told this. I never agreed to a promotional offer, nor did my receipt or any documentation warn me about this.

I believe this is deceptive and misleading. Im requesting that the interest charges be reversed, and that my account reflects the 0 % interest terms that were clearly advertised and promised to me at the time of purchase. 

I have already sent a written dispute letter to Synchrony Bank but have not received a fair resolution.

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 2025-07-21 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: AR

Complaint narrative:
Bought home in XXXX with an exsisting propane tank that went with purchase of home. XXXX was owned by previous owner. XXXX XXXX XXXX bought out/acquired local propane company a few years later and XXXX sent XXXX a XXXX  rental invoice. I called and XXXX could not produce any rental agreement between us or the previous owner. We closed account with XXXX sometime in XXXX and all was good until i started recieving demand letters for tank rental. Called again but still recieved invoice and late fee for tank rental. Now a collection agency ( A.R.M solutions Califonia licence number XXXX ) is sending me demand letters for payment of they will turn over to agency that will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
no knowledge of this account please remove this account please provide documents and proof of resident for alleged account holder you have violated several rights according to the FCRA I need proof of consent given signature contracts and verified personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
My bank card was fraudulently used to rent a hotel room somewhere in New Jersey.. I did not make any purchases reservations or anything of this nature and I did not authorize anyone else to do so either .. around the end of XXXX I noticed a {$120.00} fraudulent charge against my account the name was XXXX XXXX I contacted them and they said that a reservation is made for a hotel room somewhere in New Jersey and they stated that I should contact my bank at that time I did my {$120.00} was refunded to me from TD Bank approximately XXXX weeks later or so the XXXX was taken back out of my account which put me into a negative balance so they charged me an additional overdraft fee so now my bank account is negative XXXX something dollars .. numerous times I have contacted TD Bank only to be pushed off with no information as far as an outcome... I am on XXXX and I live month to month I by no means plan to any vacation especially in New Jersey I live in Connecticut .. TD Bank can not give me any information as far as who they spoke to from XXXX XXXX XXXX XXXX them and how anybody got any of my private information I am very upset that the fact of my personal information is that easy for somebody to fraudulently get .. my trust in TD Bank and my privacy have been severely compromised.. I still have no answers from TD bank and they are not returning my money.. I am very upset about this whole situation I live off {$900.00} a month so taking away {$150.00} means I am not going to be able to pay my rent this month in full do to this fraud!! I'm contacting you folks because I don't know what else to do I'm absolutely devastated over what's going on right now .. if there's anything that could be done please help!!

Company response to consumer: Closed with explanation