vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
Been over 30 days since complaint havent heard back about it being deleted after 30 days

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaints to formally dispute and request deletion of several inaccurate items currently listed on my credit report. I take pride in maintaining responsibility over my financial affairs, but I recently discovered information that does not belong to me and misrepresents my credit history. These errors are affecting my credibility and could unfairly harm future financial opportunities.

Upon careful review, I noticed that my file contains inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These addresses have never been associated with me and should not appear on my report. Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they maintain. Reporting incorrect personal information violates this provision, and I request that these addresses be deleted immediately to prevent continued misidentification.

In addition, my report inaccurately lists a late closed account with XXXX  XXXX ( Account No. XXXX ). This account, opened on XX/XX/XXXX, reflects a XXXX balance and a current payment status, yet it incorrectly shows late dates of XXXX and XX/XX/XXXX. This reporting is inaccurate and misleading. Under FCRA 1681i ( a ) ( 1 ), when a consumer disputes the accuracy of an item, the bureau must promptly reinvestigate and delete any information that can not be verified. Since these late entries are not consistent with my true payment history, I am requesting that the negative marks be permanently removed or corrected.

Furthermore, my credit report shows several unauthorized inquiries that I did not personally approve, including XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX, XXXX  ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX  XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). Under FCRA 1681b ( a ), a consumer report may only be furnished for permissible purposes and with proper consent. Including inquiries that were not authorized by me violates this section and unfairly impacts my creditworthiness. I am requesting the immediate removal of any inquiry that can not be verified with documentation proving my written authorization.

Lastly, under FCRA 1681c ( a ) ( 5 ), credit bureaus are prohibited from reporting obsolete or inaccurate information that misrepresents a consumers credit profile. Therefore,

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: 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: WA

Complaint narrative:
On or about XX/XX/year>, I saw that Credit One Bank was reporting a delinquent account with 90-day late payments and a charged-off status. I never received proper validation of this debt, nor have I been provided with a copy of the original signed agreement or documentation proving this account is accurate, legally collectible, or that I authorized it. The company continued reporting negative information without providing verification as required under the Fair Credit Reporting Act. This negative reporting is causing harm to my credit profile and is inaccurate, incomplete, or unverifiable. I requested validation and proof of ownership but did not receive a response or the required documentation. Therefore, I am disputing this account and requesting that it be removed immediately from all credit reports due to failure to verify and continued reporting of inaccurate 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 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Unauthorized Hard Inquiry Identified XXXX XXXX XXXX  XXXX TransUnion )

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 status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX reported that the auto loan account was settled and paid in full, leaving a {$0.00} balance. 
The account now appears on my credit report with the status XXXX in XXXX and the comment Account paid in full for less than full balance. 
While this XXXX be technically correct, it is misleading and punitive, as it implies the account remains derogatory or unsettled even though it is fully satisfied and closed. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers and credit reporting agencies to ensure the maximum possible accuracy of all information they report. Continued use of settlement-related language on a {$0.00} balance account does not meet this accuracy standard and creates a misleading impression about the consumers current creditworthiness. 
Additionally, FCRA 602 ( a ) establishes that inaccurate or misleading reporting undermines public confidence in fair credit systems and impairs access to credit. The current reporting also conflicts with CFPB XXXX XXXX, which clarifies that furnishers must not provide information that is technically correct but misleading in a way that could negatively affect a consumers credit profile. 
A formal dispute was certified mailed to Experian in XX/XX/XXXX, but no written response or correction was ever provided. This lack of response constitutes a violation of the consumers right to reinvestigation under FCRA XXXX, which requires the XXXX XXXX XXXX and furnisher to review and respond to consumer disputes within 30 days.

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: AZ

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery regarding their refusal to acknowledge payment of a debt that I have already satisfied in full. Despite providing proof of payment through a verified wire transaction, Columbia Debt Recovery has denied my dispute and continues to report or collect on this debt. The dispute was filed XXXX Experian. 

On XX/XX/year> I submitted a wire payment in the amount of {$270.00} to Columbia Debt Recovery as payment in full for the debt referenced above. The amount paid was indicated as the necessary amount via a Columbia Debt recovery represented at the time of XX/XX/XXXX, XXXX have attached the wire transfer confirmation and transaction record showing the exact amount, date, and recipient account. 

I have been called multiple times daily over the issue including times where representatives have told me to pull over my car in order to remedy the issue. They consistently use bully tactics to get their way and are extremely unprofessional in their approach. 

Despite this, Columbia Debt Recovery has : Denied my dispute regarding the payment, claiming the balance remains due. 

Failed to properly investigate or acknowledge the documented proof I provided. 

Potentially continued to report inaccurate information to credit reporting agencies, causing financial harm and distress. 

I believe XXXX XXXX XXXX actions XXXX violate : The Fair Debt Collection Practices Act ( FDCPA ), specifically regarding misrepresentation of debt and failure to validate or update debt records accurately. 

The Fair Credit Reporting Act ( FCRA ), if they have continued to furnish inaccurate or outdated information to credit reporting agencies after being notified of the error and receiving 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>2025, several deposits were made into my account, including {$4000.00} and {$4700.00} on XX/XX/XXXX, {$6800.00} on XX/XX/XXXX, and another deposit on XX/XX/XXXX. These deposits were accepted and reflected in my account at the time. 
On XX/XX/year>2025, all of these deposits were reversed without warning, and my account was subsequently closed. I was told the deposits were never accepted, which contradicts the account activity and documentation I have. This caused a cascade of financial harm : - My credit score dropped from XXXX to XXXX due to missed payments. 
- Reversal fees hit my credit card on file for essential services including therapy, medication, and insurance. 
- The stress from this situation caused me to lose XXXX pounds and experience significant emotional and physical strain. 
I contacted the company and provided the deposit dates and reversal timeline. I also sent a certified letter to their executive office requesting resolution.

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 status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is the same complainXXXX. 
This is the letter i sent to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan No. : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Shellpoint Mortgage Servicing Attn : Insurance Department XX/XX/XXXXXXXX, SC XXXX Subject : Dispute of Force-Placed Insurance Charge and Escrow Billing Dear Shellpoint Mortgage Servicing, I am writing to formally dispute the {$5000.00} force-placed insurance charge applied to my loan account and the ongoing requirement to continue paying monthly premiums for that policy. 
As of the effective date of myXX/XX/XXXX policy, I have active homeowners insurance coverage that meets your mortgage requirements. Proof of this coverage, including the declarations page and policy number, has already been provided to your office. 
Despite this, Shellpoint has continued to bill me for the prior force-placed insurance, stating that I must continue paying for the remaining XX/XX/XXXX months of that {$5000.00} policy in addition to my XXXX premium. This is not permitted under RESPA ( XX/XX/XXXXXXXX ), which requires a servicer to cancel and refund any overlapping or duplicative coverage once valid proof of insurance is provided. 
Accordingly, I am requesting the following actions : XXXX. Immediate cancellation of the force-placed insurance policy. 
XXXX. Refund or credit for any premiums charged after my XX/XX/XXXX policy became effective. 
XXXX. Written confirmation that my escrow account and monthly payments will be adjusted to reflect only my active XXXX coverage. 
Please consider this a formal dispute and request for correction under RESPA. I expect written confirmation of the resolution withinXX/XX/XXXX days as required by 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 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I found out about this debt because I received a notification from credit karma asking about a new account to my credit profile. I called the company on my credit report Diversified Adjustment Services and was told this was a debt from a XXXX  bill of {$570.00}. I asked to have this debt confirmed and did not receive this yet. I was however, sent an email offering a settlement of {$280.00}. I called today and asked for proof that I was sent a notification by mail or email about this debt prior to it being placed on my credit profile and nothing can be provided. They advised they sent me an email in XXXX notifying me of the account but they never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/year> I get XXXX fraud charge from my checking account ; bill pay apple card {$1200.00} and {$480.00} I never receive any alert from my bank, I don't know how this happen because I have secure dispositive and my alert active. but before this happen my credit card from the same bank i was report the XXXX time was hacking

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I sent my son a link through my CHIME APP for a promo that was {$400.00} for me {$100.00} for a friend that signed up by XX/XX/XXXX and had a qualifying direct deposit of {$200.00} or more. My son XXXX XXXX then went through the link that was sent to him from me and successfully signed up and got his direct deposit within a week of XX/XX/XXXX. 
On the XXXX of XX/XX/XXXX I contacted time because neither XXXX of us had received our referral bonus. 
Idea was gave the runaround was told that it wasn't showing up that he ever signed up through my link so I then had to send them proof of where I sent him the referral link and also proof of where it showed that he signed up through my link he then had to talk to them as well so they could verify on both accounts and on both ends. 
I emailed them what they asked and the end result was they honored my referral but got the amounts wrong they sent him his right amount of {$100.00} but only sent me {$100.00} when the promo was for me to receive {$400.00} and him a {$100.00}. 
Also I was supposed to receive {$10.00} in spot me which I did not receive neither. I go to explain this to the lady after they credited me a {$100.00} bonus and him {$100.00} bonus and my phone died, for I had been on the phone with Chime for several hours. 
I then called immediately back waited another XXXX min to get an agent which I was then told they had never heard of a promotion of {$400.00} for the chime member and {$100.00} for the referred. 
I then was asked to send proof via email of this promo which I did to XXXX. 

I SENT THEM PROOF OF ALL THAT THEY ASKED FROM ME. 

I THEN WAS PUT ON HOLD and another gentleman got on the phone and asked me my significant problem again I started to explain to him he then over talked me over talked me over talked to me and kept telling me that the link obviously didn't work. When it did work I just sent proof that it did work correctly. 

The supervisor Kept over talking me saying he has never heard of {$400.00} and {$100.00} promo I SENT PROOF TO THEM THEY ARE FALSE ADVERTISING, GETTING OVER ON MEMBERS, THE PROOF IS THERE THEY NEED TO HONOR THEIR PROMO. THAT THEY ADVERTISED TO ME.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumerrights.

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