vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: DE

Complaint narrative:
SECURITY CREDIT SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SERVIC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-17 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Essential Lending Inc
State: TX

Complaint narrative:
Do not remember the exact date but I know it has been a few months when I got the loan from Wiseloan in the amount of {$360.00}. Today ( XXXX ) I received a voice message from from someone stating that they were going to serve me. Called the number that was left on my voice mail. Which someone supposely from XXXX XXXXXXXX XXXX XXXXXXXX answered and after I gave her File # XXXX, she stated that Wiseloan was considering legal action.I asked her how much was the debt she saod {$1000.00} and something dollars. asked for the court where the case was filed, rep told me whoever called me about serving me would have that. Rep claimed she did not have that info. Called Wiseloan and on the loan officers were unavailable. Called back XXXX kept getting put on hold by the rep name XXXX. Rep sounded like the orginal rep I spoke to. Last time rep answered she spunded like she was annoyed and going to give attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I recently received my credit report an noticed that an account is being reported inaccurrately. My report shows 9 late payments these payments were made on time. As required, consumer reporting agencies must report all information with complete accuracy. This account has never been late. I have attached a copy of my credit report indicating the inaccurate reporting on the following XXXX I am requesting that you conduct an investigation and provide documentation or records showing that i made late payments on this account. If this information can not be verfied, i demand that these late payments entries be corrected immediately to reflect paid on time.

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 2025-11-17 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 received my credit report an noticed that an account is being reported inaccurrately. My report shows 9 late payments these payments were made on time. As required, consumer reporting agencies must report all information with complete accuracy. This account has never been late. I have attached a copy of my credit report indicating the inaccurate reporting on the following XXXX I am requesting that you conduct an investigation and provide documentation or records showing that i made late payments on this account. If this information can not be verfied, i demand that these late payments entries be corrected immediately to reflect paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery Genesis is attempting to collect a debt that does not belong to me. 
I have never entered into any agreement, contract, or service with this company. 
They claim I owe over {$9000.00}, but have provided XXXX proof, and the alleged account is the result of identity theft. 

On XX/XX/year>, I sent a formal Debt Validation Demand to Columbia Debt Recovery Genesis, requesting lawful validation and documentary proof of any obligation, including a wet-ink signature contract, chain of title, and a complete ledger. 
They have ignored the request and continue to assert that I owe a debt for which I have no contractual relationship Debt Validation Demand. 

Violations of Federal Law Columbia Debt Recovery Genesis is violating multiple sections of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : FDCPA Violations 15 U.S.C. 1692g ( b ) They failed to provide validation after I disputed the debt in writing.

15 U.S.C. 1692e ( 8 ) They are communicating and representing false information about the debt.

15 U.S.C. 1692e ( 2 ) ( A ) Misrepresenting the character, amount, or legal status of the alleged debt.

15 U.S.C. 1692f Using unfair and unconscionable means to attempt to collect a debt.

FCRA Violations If they furnished this debt to any credit bureau, they are also violating : 15 U.S.C. 1681s-2 ( a ) Prohibits furnishing inaccurate or
unverified information.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes received from a CRA and correct/delete information that can not be verified.

15 U.S.C. 1681e ( b ) If reported, it must be accurate and verifiable, which it is not. 

Identity Theft Impact The alleged account is the result of identity theft.

Under FCRA 605B, any information resulting from identity theft must be blocked, deleted, and can not be used for collection.

Columbia Debt Recovery Genesis has continued collection attempts despite notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank , N.A . of XXXX XXXX, SD The account was a " business account '' tied to my former employer, but all charges and payments were my personal responsibility. Thus, any late payments would be on my personal credit report. 

Upon receiving a final statement from Citi, my company failed to make timely payment for all of the business related expenses. As a result, Citi sent a notice informing me that ( 1 ) payment is late by at least 30 days, and ( 2 ) this could be reported to a credit bureau. To protect myself I made the payment directly to Citi for the balance due, but then one week later the company finally made payment for the same amount. 

I reached out to Citi requesting a check for the overpayment be sent to the address of record on the card, my home address. They refused and said they can not do it and will be keeping the overpayment, even though the account is now closed. They said to contact the company ( a multinational company with XXXX employees ) and ask them to refund me. They even gave me a defunct website address to contact. No name or phone number. 

I believe Citbank owes me my overpayment, and asking them to send it to the address of record on the account is a reasonable request. I don't have any other recourse, so I expect Citi will be happy to keep my money.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a complaint against Chime regarding XXXX unauthorized transactions totaling {$700.00} that occurred from XX/XX/XXXX through the end of XXXX. 

I did not authorize these transactions, did not provide my card information, PIN, or online login to anyone, and did not benefit from any of the charges. I also provided evidence that i was no where near the cities the charges were made in at the time. Ive contacted the merchants and they no longer have the camera footage for these dates. 

Chime denied my dispute without providing : 1. The required written explanation for the denial, 2. Any evidence they used to determine the transactions were authorized, 3. Any investigation details. 

This violates Regulation E, which requires financial institutions to provide the reason for denial and the evidence relied upon. 

I am requesting the CFPB require Chime to : - Provide the denial reasoning and evidence, - Reopen and reinvestigate my dispute, - Credit my account for the unauthorized transactions. 

I have attempted multiple times to resolve this directly with Chime and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Im trying to get a mortgage and the credit reports are not letting me resolve and remove closed and resolved accounts which is dragging my score down

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 2025-11-17 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: NY

Complaint narrative:
I am writing to dispute the following accounts on my Experian credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXXXX/XX/XXXX Balance : {$200.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$4000.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$1300.00}

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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received an alert from Wells Fargo saying there was suspicious activity on my debit card and asked for me to verify whether the transaction was me or not. It was XXXX transactions, XXXX of {$200.00} and XXXX of {$400.00} and I said no it was not me. Then later on that day Wells Fargo allowed the same exact people to take over {$1800.00} out of my account without being flagged and my account was not frozen or anything after the XXXX  time I denied the transactions. It has been XXXX  days since I filed this fraud claim and I have received no update and the status of the claim has not changed at all. On top of all of this, everytime I try to call and talk to a real person about the issue and possibly get an update, the automated message directs me around in circles and I can not connect to a real person to discuss the 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 monetary relief
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally file a complaint against Bank of America regarding an extremely frustrating and inefficient customer service experience I encountered this afternoon. 

This afternoon, I contacted Bank of Americas customer service line to address a personal banking matter. I completed the full identity verification process as requiredproviding all requested personal information, account details, and security credentialsto the satisfaction of the initial representative. After verifying my identity, I requested a callback at a more convenient time, which the representative confirmed would be arranged.

When Bank of America called me back as promised, the new representative informed me that I would need to complete the identity verification process again. Despite my explanation that I had already fully verified my identity prior to the callback, the representative insisted on repeating the process. To my dismay, the verification system failed to recognize my previously confirmed information, making it impossible to complete the second verification. Instead of resolving this internal error, the representative advised me to hang up, redial the original customer service number, and wait on hold for another 30 minutes to restart the entire process.

This experience is unacceptable, unreasonable, and a blatant waste of my time. Requiring redundant identity verification after a confirmed callback, combined with a faulty system that blocks successful verification and forces customers to endure excessive wait times, reflects a serious failure in Bank of Americas customer service protocols. Such inefficiency not only undermines consumer trust but also imposes unnecessary burdens on customers who have already fulfilled their obligations to verify their identity.

I kindly request that both the CFPB and BBB investigate this matter thoroughly. My desired resolution includes : 1.A formal apology from Bank of America for the inconvenience caused.

2.A review and correction of their callback and verification processes to eliminate redundant steps and system errors.

3.Assurance that future customer interactions will not require repeated verification for the same inquiry.

I trust that you will take this complaint seriously and hold Bank of America accountable for providing efficient, respectful customer service. Please contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Thank you for your attention to this matter and for advocating for consumer rights.

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 2025-11-17 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:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial 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 2025-11-17 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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