vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of an alleged debt that has been placed in collections by your company in relation to my tenancy at the XXXX XXXX XXXXXXXX XXXX XXXX 

I resided at XXXX XXXX XXXX for nearly XXXX years, initially in a one-bedroom unit and later moving to a XXXX-bedroom unit. Over the course of my residence, several significant issues arose that not only diminished the habitability of the apartment but also breached the expectations set by the complex management. 

First, the apartment complex had advertised and promised certain amenities, all of which were rendered unusable for extended periods. From XXXX onwards, these amenities were either shut down due to XXXX or under perpetual reconstruction, including the pool, lobby, hallways, and parking lot. For years, I and other residents had no access to the amenities that were part of our lease expectations. 

Second, there were severe maintenance issues. My air conditioning unit failed in XXXX of XXXX and was not repaired for approximately a full year. During this time, I was forced to live without a functioning XXXX unit, despite numerous requests for repair. This is a significant breach of the implied warranty of habitability and a substantial failure on the part of the landlord. 

Third, the living conditions were further worsened by ongoing construction. For at least XXXX years, the apartment complex was filled with paint fumes and other construction-related disturbances. Additionally, there was a persistent fire alarm issue : alarms would go off every time it rained and were also pulled by individuals in the parking lot nearly every night between XXXX and XXXX XXXX. for years on end. This resulted in a severe disruption to my ability to live peacefully and safely in the apartment. 

Finally, when the complex attempted to increase my rent by roughly 30 %, I chose to leave. I moved out a month early and, given the long list of unresolved issues and breaches of the lease conditions on the part of the landlord, I did not pay the final months rent. This was a direct response to the chronic habitability issues and the failure to provide the agreed-upon living standards. 

I am therefore disputing the amount of {$2300.00} or any amount you claim I owe. This debt is not valid, and I request that it be immediately removed from any credit reporting and that no further collection actions be taken. Should this issue not be resolved promptly, I will have no choice but to pursue legal action for damages related to the living conditions I endured and the impact on my credit report. 

I trust that you will act swiftly to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I am not associated with these creditors and did not initiate this inquiry. Please delete it from my file right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XX/XX/XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XX/XX/XXXXdays to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I was told I was approved for a {$500.00} loan through an email with low interest and after I signed the contract they hit me with crazy interest rates.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to deposit money into the atm XXXX Bank of America and the atm ended up taking my money and it never deposited into my account nor give me a receipt.

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 2025-10-16 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:
I kindly ask for the deletion of these inaccurate accounts from my credit report, as I did not consent to their addition. It is essential that you quickly eliminate this inaccurate information from my records. KINDLY BLOCK AND DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX unlawfully added a driver I did not request and charged {$830.00} at which point I asked them that I did not want to have anyone added to my insurance as I am the only driver. My bill the month prior was {$530.00} for one full coverage and one limited coverage when my monthly payment was {$230.00}, then they increased it again at {$260.00} for many months. 

Right after making my payment of {$530.00} back in XXXX the following bill was {$830.00} for the month of XXXX, with fraudulent charges I did not request any changes to my policy and demanded that they correct the bill for the correct amount and remove this from collections as it is negatively impacting my credit. Very bad company, will do my very best to send a formal complaint to XXXX 

They wanted a letter for someone that doesnt live with me and comes to visit from XXXX XXXX FL XXXX I told them it was not possible for me to make the letter and they still charged me a fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concord Servicing Corporation
State: WA

Complaint narrative:
The account is paid in full. I have a copy of the receipt, why is XXXX Lying and saying the Debt is still active? For the Concord Servicing be on my account!

If this isn't resolved by the ne
xt 48 hours, I will be suing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After looking over my Experian credit file the accounts/ inquiries are inaccurate, unverifiable, and in violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

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 : 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 non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-16 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RFNA, LP
State: SC

Complaint narrative:
The company charged my card without my consent for a payment that was not due until XX/XX/2025. 

I only authorized XXXX charge for XX/XX/2025. I have only one confirmation e-mail so I am highly confident that I did not complete a second transaction. The company added another charge without my consent. 

I contacted XXXX and I spoke to XXXX. I expressed that I did not authorize the second charge. I requested to have the amount of {$150.00} along with the {$96.00} of insufficient funds for a total of {$250.00} to be refunded back to me. She stated I would have to go to the branch to receive the refund. I called the branch located on : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The office XXXX advised her employee to informed me they can only refund the unauthorized payment of {$150.00} and that I would have to come to the office to pick up the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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 and demand the immediate removal of inaccurate and unauthorized information from my credit file. Upon review of my credit report, I discovered addresses and hard inquiries that are completely false, unauthorized, and unverifiable. These errors are damaging my credit profile and were not initiated, approved, or associated with me in any way.

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY, XXXX Unauthorized Hard Inquiries : 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like to update my current phone number with the credit bureau on 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 2025-10-16 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: DC

Complaint narrative:
Someone opened a fraudulent account under my name with XXXX XXXX XXXX. I called the credit card company to report a fraud. They closed the credit card. Please delete this account 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 2025-10-16 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 request removal of the disputed accounts in line with the time constraints of 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 non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am deeply disappointed that the credit report you sent me is inaccurate. As a company that is supposed to adhere to the Fair Credit Reporting Act ( FCRA ) section XXXX ( 15 U S C XXXX ) and Metro 2 compliance standards, I would have expected better from you. Your failure to comply with these standards has put me in a difficult position, and I am now forced to challenge the inaccuracies and deficiencies in your reporting. It is disheartening to think that the report you sent me was not properly formatted and lacked accurate information. The fact that you failed to adhere to theXX/XX/XXXX Consumer Reporting Reform Act guidelines is a serious matter, as it undermines the integrity of the data you provide. I urge you to take immediate action and make a document that shows all of the evidence and sends it to me, complete with verified sources. I expect only factually accurate, verified, and compliant data to be documented in my credit report. Any false accounts must be taken care of and any deviations from the standards rectified promptly. I am deeply disappointed that I have to go through this process, and I hope that you will take the necessary steps to fix this issue as soon as possible. If this issue is left unchecked, it will have severe financial implications for me in the future. 

CREDIT COLL - XXXX CREDIT COLL - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase Bank has repeatedly transferred money from my checking account to my savings account without my authorization. These unauthorized internal transfers have occurred multiple times, and I do not know which specific ones caused my checking account to become negative because there were so many. When I contacted Chase, they were unable to explain why these transfers were happening and offered no real solution. Instead of crediting my account or reversing the unauthorized activity, Chase simply transferred money back from my savings to my checking account, which is not a legitimate resolution and does not address the root cause. This issue has left me with an unexplained negative balance and significant frustration, as I have reported it multiple times and Chase continues to dismiss my concerns. I have already filed a written dispute through Chases secure message system, but given the ongoing nature of this problem and the lack of accountability, I am requesting the CFPBs assistance to ensure a proper investigation, reimbursement for losses and fees, and confirmation that all unauthorized transfers will stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Kindly delete the disputed accounts as required by 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CO

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-10-16 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 formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for 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