vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several items listed on my TransUnion credit report dated XX/XX/XXXX ( Report # : XXXX ). This dispute is filed under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Uniform Commercial Code ( UCC ), and based on Metro 2 compliance standards.

The following item ( s ) are in violation and must be investigated, corrected, or removed : XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$440.00} Issue : Collection is reported as " Open '' with a balance, violating Metro 2 guidelines which require XXXX balance on charged-off or collection accounts. 
No " Date of First Delinquency '' ( DOFD ) is reported, violating FCRA 605 ( a ) and Metro 2 field requirements.

No Consumer Information Indicator ( CII ) code 'XB ' is reflected, violating Metro 2 and FCRA 611 ( a ) ( 1 ) ( A ).

Possible re-aging based on absence of DOFD. 
XXXX. Inquiries Not Tied to Positive Accounts XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These inquiries are not tied to any open or positive tradeline and must be deleted as they serve no permissible purpose under FCRA 604.

I request deletion or correction of the above items per : FCRA 607 ( b ) : Maximum possible accuracy requirement.

FCRA 611 ( a ) ( 5 ) : Deletion of unverifiable information.

FCRA 611 ( a ) ( 1 ) : Right to reinvestigation.

FDCPA 809 : Validation of debts.

UCC Article 9 : Rights concerning collection and reporting of alleged debts. 
XXXX  XXXX TransUnion Data Breaches : Reasonable doubt as to data security and integrity.

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 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: MORGAN STANLEY & CO. LLC
State: MI

Complaint narrative:
My lender ordered an appraisal for my property as part of the mortgage process. About a week went by with no update, and I eventually had to contact the lender myself to ask what the appraised value came back at. 
During that phone call, I was told that the original appraised value was approximately {$450000.00} and that after a desk review was completed, the value was reduced to {$420000.00}. 
Before the appraisal was even completed, the lender strongly encouraged us to sign a Waiver of Right to Receive Copy of Appraisal Report in Advance of Closing. We declined, but the fact that they pushed for this waiver concerns me, given that I am now having difficulty obtaining copies of the appraisal and desk review. 
I have repeatedly requested copies of both the original appraisal report and the desk review report. The lender has refused to provide either XXXX, stating that we must either accept the {$420000.00} desk review value or pay for a new appraisal, with the risk that if it comes back lower, they would use that lower value. 
Under federal law ( 12 CFR 1002.14 of Regulation B ), I understand that I am entitled to receive copies of all appraisals and other written valuations developed in connection with my application, whether or not the transaction is completed. I believe the lender is violating this requirement by withholding these reports and not providing them promptly upon completion. 
This situation has delayed our closing and created unnecessary financial stress. It has made it extremely difficult for us to make an informed decision about moving forward with what is likely the biggest financial decision of our lives. We are being asked to proceed without being allowed to review any of the documentation used to determine its value. 
I am requesting that the CFPB ensure the lender provides me with copies of all completed appraisals and desk reviews used in evaluating my loan so I can understand how the property value was determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

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 : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 168XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-24 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: TX

Complaint narrative:
Columbia Debt Recovery LLC d/b/a Genesis is attempting to collect a debt that I do not owe. The alleged debt stems from a former apartment residence ( XXXX XXXX XXXX managed by XXXX ) for which I have documentation showing the balance was inaccurate and never validly transferred to this collection agency. 

Genesis contacted me despite no verified proof of ownership or assignment of the debt and continues collection activity without providing proper validation required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

The agencys validation merely repeated the landlords accounting statement without original contracts, payment ledgers, or assignment records. 

I have reason to believe Genesis is systematically attempting to collect unverifiable apartment debts from former tenants nationwide I have located numerous similar complaints online describing identical practices. 


I have emailed my formal dispute to XXXX on [ insert date ] and attached supporting documents ( lease, move-out statement, proof of payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/2025 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One bank sent me a new debit card that I did not request changing the debit card network to XXXX  which was previously XXXX XXXX. the new debit card under the XXXX  network is not workable as most of the common activities that we use today such as XXXX, XXXX, or programs that give you dinning rebates do not work on the XXXX  network. Even though I have a credit card under master card with Capital one, they refuse to reissue a new debit card as XXXX or visa causing me additional fees and delays since their card is not accepted by the common ecommerce sites. the bank should not force their customers to a sub-par network that only benefits the bank as they have lower fees with XXXX  and with those lower fees their customer gets less access to use the debit card and XXXX benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/year> and XX/XX/year>. XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/year>. I have never been XXXX  days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 
I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I opened a personal Citibank Checking account to n my name, waited a long time for debit card, once I had debit card I wired {$15000.00}, after depositing a small {$530.00} check to find out it was 8 days before that check would be available,. I tried to wire the {$15000.00} to a account for my personal investments, was not able to do that on line, blocked my account, I then spoke to someone who said she was going to send the wire and unlocked my account. Yesterday, XX/XX/XXXX I drove to a branch an hour from my home to do the wire in person, which I did and have receipt of the wire with instructions and transaction number, proved my identity and was told funds would arrive in an hour or XXXX. I waited until today to call about it not being sent to where I wired the money. Today XX/XX/XXXX I have tried to speak with someone from fraud serval times, even had hanging up happen when asked to speak with a supervisor. I was informed my account was terminated and Citibank no longer wanted my business and that I would have to wait XXXX days to get my money from the account, basically Citibank is holding MY MONEY hostage while causing great stress and financial problems to me and my family. No one can seem to help me resolve this matter. I am happy to and will be closing the account but I need my money now, not a month or XXXX from now. Their customer service is outsourced and therefore hard to understand and unwilling to help, and I have spoken to several.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX and 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 I have sent written disputes since the month of may and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have sent written disputes since the month of may and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

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 2025-10-24 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2025. I walked into Citizen Bank on XXXX XXXX and XXXX XXXX. I went to a teller and deposited a check for {$4700.00}. I specifically asked the teller when the check would be cleared. I was told that {$270.00}, would be released the following day and the balance of XXXX on XX/XX/XXXX. When I tried to use my debit card the following day. I was declined. I called their customer service the same day and was told that the money would not be released until XX/XX/2025. The check was issued by a city marshall who represents the Department of Finance. The bank told me they had to verify the check. I told them them that I would call or go into the XXXX XXXX physically and verify the check for them, using said information on check. They refused to. I also as for them to give me back my check, they resed that also. I was greatlt set back as I needed my money to pay some bill. Holding my check set me back a lot unpaid bills could not be honored. I had other banking deposit options which wold have cleared my check already. The bank lied to me about clearing my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Continual problems with negative reporting on my consumer credit report provided by all three reporting agencies. Attempts to clear all negative reports regarding fraudulent debts not owed to the business ' listed by directly disputing accounts to the reporting agencies were unsuccessful. Followed-up with listed business ' in person and in writing by the us mail service. 

According to banks, lenders, medical providers and other government agencies Ive been denied any loan and credit assistance due to the negative credit report. I have made more than multiple attempts to obtain loan and credit assistance, applications for housing and employment all denied during the last 7 years until present. Unable to further proceed in any financial or business dealings related to medical, housing, transportation, traditional education, technical schools or trades and business ventures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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