vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-06-11 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was moving money from my Citi account to another account using a wire transfer for a down payment for a car purchase. They immediately blocked it thinking it was fraud, didn't even try to contact me about it. I called them to see what I could do, was told that there was nothing and that I would never be able to since it was the system that blocked it and they could not get rid of the alert. I asked for a supervisor and was told there was not XXXX there. Called the next day and turns out that they actually could have done something. Transferred the money and then decided to transfer the rest of my money out of the account since Citi makes it extremely hard to get my own money. Last bit of money transfer was blocked and my account was locked. That was the last straw for me. Went to a location and pulled the rest of my money out and closed the account. The bank teller never asked for my ID and just let me put in my card and pin. Usually it is required to show an ID especially for a transaction that is a little more. Someone could have easily just walked in with my card and pin and emptied my account. Later that evening I filled out a survey that I was emailed about my experience and told them everything I went through. They offered a statement so I called and asked about it since my account was closed. Since my account was closed I spent over XXXX minutes trying to talk to a human since no one could verify my account because I didn't have the account number anymore. Talked to XXXX agent and she told me no XXXX would take my call since they could not verify me. Finally got to talk to a XXXX named XXXX who was very rude and not helpful. I asked for the statement showing that my interest was paid when I pulled out the rest of my money. I have no proof since that account does not exist anymore. I asked about the statement credit and she was not understanding that interest and credit are XXXX separate things. I asked to speak to another supervisor or her supervisor and she told me to call back in XXXX hours. I have had an absolutely terrible experience with Citi Bank and will never bank with them again.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to have my credit updated to remove two late payments 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I, XXXX XXXX XXXX XXXX XXXX am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : - Conducting inadequate investigations that fail to address consumer disputes properly. 
- Reinserting previously disputed and inaccurate information without explanation. 
- Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : XXXX. 
Under the FCRA, you are required to : - Conduct a proper investigation into my dispute. 
- Inform me of the results of your investigation in a clear and comprehensible manner. 
- Provide me with any documentation you rely on if the disputed information is verified as accurate. 
- Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 
Sincerely, XXXX XXXX XXXX XXXX Email : XXXX DL : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
XXXX/XXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX, Balance : {$4000.00} XXXX  XXXX Opened XX/XX/XXXX, Balance : {$2400.00} XXXX Opened XX/XX/XXXX, XXXX/XXXX  Opened XX/XX/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 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: TX

Complaint narrative:
XXXX management kept an additional months rental payment sent by XXXX  XXXX. 
The unit was vacated for in the month of XX/XX/year>, a payment in the amount of {$1100.00} was credited to the rent for XX/XX/year>. I reached out to the XXXX XXXX company requesting a balance ledger showing the additional rental payment collected. Which was not provided. In fact they sent a new collections letter back asking for {$600.00} down from {$900.00} after living at the property for several years I found several times where rental payments were mismanaged and mishandled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
XXXX dont recognize anything... I DIDNT AUTHORIZE CREDIT REPORTING AGENCY OR ANYBODY TO LOOK INTO, MY CREDIT WORTHINESS, OFCOURSE I AM...'

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This complaint continues from CFPB XXXX XXXX. XXXX, which was closed despite no signed or certified contract being produced by Wells Fargo XXXX I dispute the account, which was allegedly opened through a paperless process, and have requested validation multiple times. Billing statements were provided, but no contract. Reporting this tradeline violates FCRA 1681s-2 ( b ).

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 2025-06-12 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

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 non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 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: AL

Complaint narrative:
Subject : Formal Complaint Under FCRA and CFPA Against Experian, Equifax, and TransUnion To Whom It May Concern : I am writing to formally file a complaint against Experian Information Solutions , Inc., Equifax , Inc., and TransUnion, LLC under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ).

I have made repeated requests to all three credit reporting agencies to conduct proper and thorough investigations into multiple disputed tradelines and inquiries appearing on my consumer credit reports. These requests have not been adequately addressed, and the agencies have failed to meet their obligations under federal law to ensure that only accurate, complete, and verifiable information is reported.

Despite my continued efforts, several transactions and entries remain inconclusive or inconsistent across the three bureaus. Additionally, I have formally requested documentation from each bureau to substantiate the reporting including the executed agreement, promissory note, or makers signature for each disputed account. None of the bureaus have provided adequate proof of these obligations. 



The disputed tradelines include : XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XXXX {$11000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX ) {$7700.00} XXXX XXXX ( second account ) {$5300.00} XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX {$100.00} These accounts do not reflect accurate or consistent reporting across all three credit bureaus, and their continued presence without proper verification is in direct violation of the FCRA and CFPA.

Additionally, I dispute the following unauthorized or inaccurate inquiries : XXXX XXXX XXXX This inquiry does not belong to me and was made without my knowledge or consent. 

XXXX XXXX This inquiry is also unauthorized and inaccurate. 



These inquiries were not initiated by me, nor do I have any relationship with the institutions involved that would justify such actions. I have requested the removal of these inquiries, but to date, they remain on my reports without proper validation.

I respectfully request the CFPB to investigate these matters and take appropriate enforcement action to ensure that the credit reporting agencies comply with federal consumer protection laws. I further request that these tradelines and inquiries be removed unless the bureaus can provide clear, legally valid documentation proving the accuracy and authorization of each item.

Please advise me on any additional steps or supporting documents needed for this complaint.

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 2025-06-12 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: CO

Complaint narrative:
Columbia Debt Recovery attempts unauthorized collection of rental housing debt violating Fair Housing Act ( 42 U.S.C. 3601 ) and landlord-tenant laws. Company lacks legal standing to collect landlord obligations without proper landlord-tenant relationship. Collection of rental debts affects housing accessibility rights and may constitute housing discrimination through credit impact. Violates 15 U.S.C. 1692f through unauthorized collection of housing-related obligations without compliance with Washington/Colorado landlord-tenant laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

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 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
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 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 non-monetary relief
Consumer complaint received 2025-06-11 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: HW Holding, Inc
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX for attempting to collect and reporting a debt before it was legally due. 

The original creditor, XXXX XXXX Apartments ( under The XXXX XXXX ), gave me written notice on XX/XX/year> stating that I had 30 days to pay a balance of {$370.00} before the account would be forwarded to an outside collection agency. Despite this, XXXX XXXX began collection efforts and reported this debt to the credit bureaus before the XXXX period ended, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

They are attempting to collect a debt that was not yet valid or collectible at the time they took action. This has negatively impacted my credit report and caused undue harm. 

I am requesting that the CFPB investigate XXXX XXXX collection activity and credit reporting practices and direct them to delete the account from my credit report. 

Supporting documentation, including the creditors original letter and credit report records, is attached for reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CO

Complaint narrative:
All three major credit bureaus ( Experian, Equifax, TransUnion ) report adverse credit information without required written consumer consent under 15 U.S.C. 1666b. When requested to produce written consent documentation, all bureaus failed to provide any authorization. This constitutes systematic industry-wide violation of Fair Credit Billing Act requirements. Federal law mandates written consent before adverse reporting - none of the bureaus have this authority yet all continue unauthorized credit reporting affecting consumer 's credit profile and loan qualifications.

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