vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I noticed a late payment reported to my credit card near the end of XXXX. I immediately contacted the company to understand the issue. My first XXXX calls to their agents told me they couldn't verify my information so they can not access my account to help me and that I should call back when I have all my information to verify. ( I had a new number that wasn't on file although I updated in their app. ) I then emailed the company XX/XX/XXXX and multiple times after. I have been given different answers by different agents from email to phone calls ; none of the agents were on the same page. The initial problem occurred because the company raised my annual fee ( which I never agreed to ) so when the additional chargers were charged, I did not have sufficient fund and payment was reversed in XXXX ( I was told this in email ). The problem is they still have been taking money out of my account, as recent as XX/XX/XXXX but they still reported my account late to credit bureaus. Now this issue has been going on for over a month and I have been told to wait until the process is finished so I can know my actual balance and payment but even then, was hounded by their collections department. I had to tell them multiple times that my account was under investigation and was told I'd be given updated information. So, I decided to wait, now today XX/XX/XXXX my account was closed and charged another late payment. The company still has not sent me the requested information. I was told multiple different things by multiple different agents with my credit adversely affected. This has been very predatory and the most unprofessional shady credit card company I've ever dealt with. This experience has caused a great amount of stress and anxiety.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I lived in a rental apartment complex XXXX XXXX in Colorado XXXX, Colorado from XX/XX/XXXX to XXXX XX/XX/XXXX. In XX/XX/XXXX I received notice from XXXX XXXX that I owed money for GAS billed to the address. The debt was then sold to Columbia debt recovery LLC which I contacted about disputing. The denied my dispute and used my lease agreement as " proof ''. In my lease it clearly says that XXXX XXXX would not cover any utilities and I had to setup my utilities with the City. After providing proof that I had closed my account with the city and paid my balance, they stopped responding to any emails. I then tried to use there dispute portal on their website but no matter what browser or device I tried to submit it would neve actually submit but instead redirect you to a blank page. They have also been adding additional charges to the initial debt despite that I never signed anything agreeing with XXXX XXXX about being charged interest on Debt. The Gas charge is also for the month of XX/XX/XXXX however I moved out on XXXX XX/XX/XXXX and had my utilities account closing on XXXX XX/XX/XXXX. I was placed on XXXX XXXX assignment to XXXX and have provided both XXXX XXXX and Columbia Debt Recovery with proof that I was in XXXX the entire month of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: NM

Complaint narrative:
I received an email regarding a debt and various calls that I had a debt with Jefferson Capital System. That if I did not respond immediately that they would pursue legal action. I responded that I was not familiar with this company and if this was valid, to send me verification documentation through certified mail. I never received a certified letter. Months later I receive notifications that they will be contacting my employer to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
A thief created an Experian XXXX account using my identity. My monthly social security payments over the course of XXXX months and in total over {$10000.00}, was wired into an account with my name on it that I did not open or authorize. I discovered this when I was running a credit report for home improvements. My state social security office is requesting a faxed letter from Experian stating we did not open this account ( which is now closed ). We have called XXXX over XXXX dozen times and spoken to over a dozen customer service representatives and managers. No one is helping us. It's obvious we are being routed to a foreign call center, as no one can ever connect us with the person we've previously spoken with. It has been XXXX months since we first attempted to rectify this situation and we are no closer to getting our money back than XX/XX/year>. 

We have called the following numbers : XXXX Experian corporate switchboard XXXX Dispute department XXXX XXXX XXXX XXXX department XXXX Membership department XXXX ( only wants to know if I want to request a credit report ) XXXX cant get past the bot without using the correct keywords XXXX Technical support, no answer, line disconnects XXXX data breach assistance line ; transfers Identity works XXXX cant get past the bot without using the correct keywords We have spoken to the following " customer service representatives '' : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. We have exchanged emails with XXXX XXXX and XXXX XXXX We have uploaded my social security card, drivers license and utility bill, all to " prove '' my identity. However, we can't seem to get the help we need so that we can recoup the money that was stolen.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Issue Type : Credit reporting Improper use of my credit report Hard inquiry without permission What happened : On XX/XX/year>, Rocket Mortgage told me they would only do a soft inquiry. I confirmed this multiple times, and their representative responded Yes that it would be a soft check. Despite this, they pulled a hard inquiry on my credit report. 

When I questioned it, the Rocket Mortgage representative admitted in writing : My apologies, it looks like I accidentally pulled up a full copy of the credit report. It must have changed when I plugged it to an FHA program. 

This hard inquiry was not authorized, was done under false pretenses, and negatively impacted my credit score..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$4700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Card called me on XX/XX/year>, concerning a suspicious transaction on my card by XXXX XXXX in the amount of {$160.00}. I confirmed that this transaction was not done and/or authorized by me. They opened a fraud investigation and temporarily credited by amount to my account. I received a letter dated XX/XX/year>, where they informed me that they closed their investigation and reversed the original amount charging me the {$160.00}. With that letter, Citi provided the documents from XXXX XXXX related to this transaction. In it I saw that the vendor delivered merchandise to a person ( male ) in XXXX, XXXX and that they verified that the billing and shipping addresses were the same. This is, of course, incorrect since my last name and that of the purchaser are different, and I live in XXXX, Fl at the same address for 34 years. 
Today, XX/XX/XXXX, I contacted Citi Card to dispute the charge which appeared in XX/XX/year> statement again and I explained all of the above to an agent in the fraud department bringing to their attention all the discrepancies noted above. I complained about their shoddy investigation and demanded that they credit my account with the {$160.00}. I was told that they would re-open the investigation but would not commit to returning my money until they finished their investigation.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I recently checked my credit report and noticed a couple of account on my credit report that doesn't belong to me. I was able to close one of these accounts before any charges but it's still reporting on my credit file I would like to have this account and all other fraudulent account and inquiries removed. the accounts in questioned are listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

None of these accounts and Inquiries belong to me.

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 2025-08-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated a payment of {$260.00} through Synchrony Banks online system for my PayPal MasterCard account. The payment was processed and cleared from my bank account on XX/XX/XXXX, with no rejection or return. 

However, on XX/XX/XXXX, I received an email from Synchrony Bank incorrectly stating that the payment had been rejected. This is inaccurate because the funds were already withdrawn from my bank and successfully settled. 

That same day ( XX/XX/XXXX ), I contacted Synchrony Bank customer service. I first spoke with an agent named XXXX, who was very clear and assured me that Synchrony was experiencing a known issue with payment posting. He explained that the IT department was already working on it and that the matter would be resolved quickly. XXXX also told me that, because it was a known issue, I did not need to provide proof of payment. 

Later that afternoon, I called again and spoke with an account manager named XXXX. Unlike XXXX, XXXX insisted that Synchrony was not experiencing any payment posting problems. He told me I would need to file a dispute, provide proof of payment, and wait for only a temporary credit while the matter was investigated. His tone and comments came across as dismissive, and he impliedwithout directly saying itthat I was not being truthful about the payment. 

I am extremely concerned about these inconsistent and conflicting responses from Synchrony Bank employees, as well as the dismissive treatment I received. This creates confusion and leaves me at risk of late fees, interest charges, negative credit reporting, or internal negative account remarks despite the fact that the payment cleared from my bank.

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 2025-08-28 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: MS

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 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: MS

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

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