vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from 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 2025-11-12 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Leafy Financial, LLC
State: TX

Complaint narrative:
Company Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  High Balance : {$790.00} Date Opened : XX/XX/year> I am filing this complaint because XXXX XXXX XXXX is inaccurately reporting a collection account on my credit report that I have no knowledge of. I have never had any financial relationship or agreement with this company, nor have I authorized any account or transaction that would justify this collection entry. 

This account appears to be unverifiable and inaccurate, and it is causing damage to my credit reputation and score. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Since the company has failed to provide any proof of the validity or ownership of this alleged debt, I am disputing its reporting as unsubstantiated and misleading. 

I have already attempted to resolve this matter directly, but the company has not provided sufficient evidence to verify the debt or confirm its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am submitting this complaint regarding an account reported by Navy Federal Credit Union that has not been properly validated or verified. Despite multiple attempts to obtain legitimate proof of this alleged debt, I have not received any documentation confirming its accuracy, validity, or lawful ownership. The lack of proper debt validation raises serious concerns about the legitimacy of this accounts reporting.

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), I have a legal right to request full validation of any debt being reported in my name. Navy Federal Credit Union has failed to provide the original signed agreement, complete payment history, or documentation showing the lawful right to report or collect on this account. Reporting or continuing to collect on an unvalidated account violates these federal protections and constitutes willful noncompliance. 

This ongoing inaccuracy has negatively impacted my credit reputation and financial well-being. It has caused confusion, stress, and measurable harm by lowering my creditworthiness based on unverifiable information. I have made good faith efforts to resolve this directly, yet the account remains without proper validation or correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report, I noticed an inconsistence with XXXX and XXXX reporting payment history for SST/ XXXX that I believe is inaccurate even though the account is closed. I maintained on-time payments and do not have documentation showing that this payment was legitimately XXXX days late. Account was closed XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any errors in reporting these payments are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XXXX  SSN : XXXX Email : XXXX Phone : ( XXXX ) XXXX of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at that appears related These accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have not attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My company, XXXX XXXX XXXX, held a business checking account with Citibank , N.A . The bank recently closed the account and issued a closeout statement showing that the remaining balance was withdrawn in full. However, I never received those funds and have not been provided with documentation explaining where the withdrawal was sent or how the funds were disbursed. 

I contacted Citibank several times to request clarification and supporting records, but the responses have been incomplete and no funds have been returned. I believe this represents a failure by the bank to provide a transparent and accurate accounting of the closure transaction. 

I am seeking CFPB assistance in obtaining a full explanation from Citibank and recovery of any funds that were improperly withheld or misdirected.

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 2025-11-12 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had Three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX writing this letter to formally correct and/or update the Personally Identifiable Information ( PII ) that your agency is apparently storing in a credit file under my SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am writing to dispute inaccuracies in my credit report. I have reviewed my credit file and found the following discrepancies. I request that the credit reporting agencies thoroughly investigate and correct the following information. 

Charged Off Accounts Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}

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 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
I have repeatedly been contacted for months by Wakefield & Associates. I have repeatedly told them that this debt was paid already to the company, but they have implied they are not going to stop calling me. They have been rude, laughed at me and mocked me. I have also asked them to stop calling me, but they continue to do so which is a violation of the FDCPA. Further, they have never sent me a letter for the debt they allege they are trying to collect ( which means they never provided me an opportunity to validate the debt. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged-Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$6500.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Balance XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BalancXXXX XXXX XXXX Inquiry Disputes XXXX 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 2025-11-12 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: CA

Complaint narrative:
In XX/XX/year>, I placed a {$57.00} refundable deposit with a property management company for an apartment at XXXX. Before signing a lease or taking possession, I withdrew after learning that a death had occurred in the unit. The property manager acknowledged my withdrawal and confirmed I would not be moving in. Despite this, Columbia Debt Recovery LLC ( DBA Genesis ) placed the deposit into collections and began reporting it to XXXX. 

I have disputed this multiple times through XXXX, but Columbia continues to verify the debt without providing any documentation showing that I signed a lease, moved in, or incurred any charge. This collection is inaccurate and misleading. I am requesting the CFPB to require Columbia Debt Recovery to provide proof of a contractual obligation or remove the collection from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CADENCE BANK
State: AR

Complaint narrative:
On XX/XX/year>, I initiated two internal transfers between my Cadence Bank accounts totaling {$40000.00}. On XX/XX/XXXX, the bank locked my online access without notice and later closed both accounts. I received two official checks based on balances verified by bank staff on XX/XX/XXXX. On XX/XX/XXXX, the bank contacted me claiming an internal posting error caused a {$40000.00} overpayment. That same morning, two bank employees visited my home unannounced, and later that day I visited the branch and received printouts showing the banks error. 

I offered to repay through a reasonable plan, but the bank demanded full repayment and issued repeated threats of escalation to legal and authorities.

Please refer to the attached PDF titled CFPB Complaint Cadence Bank ( XXXX XXXX ) for a full statement, supporting exhibits, and documented correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-12 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: GA

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 XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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 XXXX, I am writing to dispute inaccuracies on my credit reports as provided by the XXXX major credit XXXX ( XXXX  ) Below is a summary of the accounts in dispute : Inquiries XXXX, XX/XX/year> Late Payments XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 submitting this formal identity theft dispute under FCRA Sections XXXX ( A ), XXXX, XXXX ( XXXX ), and XXXX. The following accounts were fraudulently opened without my authorization and must be deleted immediately from my credit file : XXXX  XXXX XXXX Charge-Off XXXX XXXX Bank XXXX XXXX 2024 ) Charge-Off XXXX XXXX Charge-Off XXXX  XXXX  / XXXX XXXX  Collection Any associated late payments or derogatory reporting These accounts are not mine. You are required by law to block and remove all fraudulent items within XXXX business days under FCRA XXXX. You are prohibited from verifying fraudulent accounts with the furnishers. 

Failure to comply constitutes willful and negligent noncompliance under FCRA 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 2025-11-12 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: IL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

SYNCB/XXXX  XXXX {$0.00} - XXXX XXXX XXXX XXXX, XXXX, PA XXXX SYNCB/XXXX  XXXX {$0.00} - XXXX XXXX XXXX XXXXXXXX, XXXX, PA 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX, my report must contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-11-12 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: TX

Complaint narrative:
I have no participation in these accounts ; they should be removed within 15 days under USC 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 2025-11-12 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 am writing to formally dispute certain accounts on my credit report that I believe contain inaccuracies. Below are the details of the accounts in dispute, separated by credit bureau. 
Charged-Off Accounts : XXXX TREASURY Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX  OF XXXX Account XXXX : XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX FCU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX FCU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX FCU Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : Equifax ( XXXX ) : XXXX FIN Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief