vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
Im disputing a {$230.00} collection account reported by Genesis XXXX XXXX XXXX related to XXXX XXXX This stems from an apartment application that failed due to a system error on their end. I attempted to apply, but their platform glitched during the process. I later found out that despite the failure, I was still charged, and it resulted in a collections entry I was never properly notified about. 

I disputed the entry through the credit bureaus. It came back as Dispute resolved subscriber disagrees, but no documentation was provided to legally verify the debt under the Fair Credit Reporting Act ( FCRA ). 

I directly requested validation from Genesis Creditoriginal billing statements, signed agreements, timestamps of the transactionand received no meaningful response. Despite this, they continue to report this collection as open and valid. 

This small amount is triggering major consequences. Ive now been denied personal loans from multiple major platforms like XXXX, XXXX, and XXXX citing this XXXX unresolved item as a risk factor. Their algorithms see unpaid collection and stop there, regardless of context. 

This is not only unfairits incorrect. Im requesting that Genesis be required to properly validate this debt, or have it removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/2025 Robinhood restricted my checking and trading account due to a purchased I tried to make from an online shopping site that their system deemed fraudulent. The next day I reached out to Robinhood via email and phone call. I explained to them that my account was fine and that it was my that attempted to make the purchase on my account. I also went through their security check via pictures and ID check. They continued to tell my that I had to wait until they finished their review and there was no time line to do so. Explain to them that they were causing my financial losses because they refuse to restrict my account. I informed them that my employment checks are direct deposited into the account and that I couldn't pay my bills or feed my son due to not being able to use my account. They refuse to lift the freeze and told me I had to wait regardless!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Vehicle was totaled in a car crash repossession/charge off was placed in my credit report. Vehicle was paid off by the insurance company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
Re : Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies in the numbered entries listed below : XXXX XXXX XXXX Account number : XXXX to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately. 
By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that these items be reinvestigated and deleted from my credit record. Please send me the names and addresses of the companies that you contacted so I may follow up.

Under the terms of the Section 168li of the Act, you have XXXX days from receipt of this letter to verify this disputed information. In the event you fail to verify this data, or fail to respond to this request altogether, the disputed data must be deleted in its entirety.

Also, pursuant to 15 U.S.C. Section 168ld of the Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the below address. According to the provision of Section 1681j, there should no charge for this notification.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> TOTAL VISA Customer service department po box XXXX XXXX XXXX XXXX SD, XXXX Dear TOTAL VISA Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on loan account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments. 

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my XXXX score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation. 

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals. 

I have always valued my relationship with TOTAL VISA and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward. 

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX account number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
file a formal complaint regarding identity theft that has resulted in fraudulent accounts being reported on my credit report. My personal information was compromised in a data breach, and I am now dealing with several accounts that were fraudulently opened under my name. Despite my multiple attempts to resolve this issue, the fraudulent accounts have not been removed, and the issue is severely impacting my ability to secure housing for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" TransUnion is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX . I dispute this information because : This debt has been improperly transferred multiple times ( XXXX  XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA No XXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt TransUnion has failed to properly investigate the validity of this debt despite my disputes TransUnion has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. '' " Experian is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX XXXX I dispute this information because : This debt has been improperly transferred multiple times ( XXXX  XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA XXXX XXXXXXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt Experian has failed to properly investigate the validity of this debt despite my disputes Experian has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. '' " Equifax is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX XXXX I dispute this information because : This debt has been improperly transferred multiple times ( XXXX XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA XXXX XXXXXXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt Equifax has failed to properly investigate the validity of this debt despite my disputes Equifax has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
" TransUnion is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX . I dispute this information because : This debt has been improperly transferred multiple times ( XXXX  XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA No XXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt TransUnion has failed to properly investigate the validity of this debt despite my disputes TransUnion has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. '' " Experian is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX XXXX I dispute this information because : This debt has been improperly transferred multiple times ( XXXX  XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA XXXX XXXXXXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt Experian has failed to properly investigate the validity of this debt despite my disputes Experian has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. '' " Equifax is reporting a collection account from XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) for an alleged debt of {$1300.00} that they claim originated with XXXX XXXX XXXX XXXX I dispute this information because : This debt has been improperly transferred multiple times ( XXXX XXXX to XXXX to XXXX ) without my knowledge or consent, violating my rights under the FCRA XXXX XXXXXXXX was ever issued for this alleged charged-off debt as required by IRS regulations XXXX can not produce a proper chain of title or validation of this debt Equifax has failed to properly investigate the validity of this debt despite my disputes Equifax has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. XXXXi ) regarding the validity of XXXX 's claim to this debt. ''

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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I sent a Zelle via chase for {$300.00}. The contact name of the recipient was correct, however the phone number had been changed for the recipients account, unbeknownst to the intended recipient. The bank said they can not help dispute and my only option would be to contact the person that received the money. I contacted them and they ignored me. They intended recipient was XXXX XXXX XXXX, not XXXX XXXX. Ive sent money to XXXX for years as shes my mother and I pay her rent. So I didnt expect for there to be a different name and number associated with her account. I didnt even notice it until she said she never received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$3100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  XXXX Balance {$410.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$110.00} Open Date XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: NC

Complaint narrative:
I am a brand new credit card owner, I just got my first card at the beginning of the year ; I discovered today through an email from XXXX XXXX that there are XXXX lines of credit that have been opened in my name/are attached to my name. They are not mine, I have no knowledge of them, and they were opened when I was a minor. there is a XXXX account ending in XXXX that was opened on XX/XX/XXXX under my name ; there is a discover account ending in XXXX that was opened in XX/XX/XXXX and there is a third account opened in my name- XXXX XXXX, the account ends in XXXX and was opened XX/XX/XXXX. 

I have submitted reports on all of these claims through XXXX XXXX and equifax. I suspect fraud and would appreciate assistance in removing these accounts from my name. They are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
Transunion, has continued to report this inaccurate/invalid account information on my credit file. I have notified both Transunion and XXXX XXXX, to remove the inaccurate information on my credit file immediately. You are in violation of 15 U.S code 1681e ( b ) and 15 U.S code 1681i ( 5 ). This is a direct violation under the law. Multiple letters have been sent, multiple disputes have been files to both Transunion and XXXX XXXX XXXX  XXXX, this is the final opportunity please cease reporting inaccurate/invalid information immediately or I will have no choice but to take matters into my own hands.

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 2025-03-30 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: AZ

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX DOB : XXXX This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( U.S.C. & 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of the following ; 1.Personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. Personal credit card account opened at XXXX in XX/XX/XXXX. 
XXXX. Personal credit card account opened at THE XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX. Personal credit card account opened at ADS XXXX XXXX XXXX in XX/XX/XXXX. 

These accounts have resulted in several fraudulent credit card accounts and fraudulent hard inquiries appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or hard inquiries as reported. The accounts and hard inquiries appearing on my consumer credit report maintained by you, were not open, made, or initiated by me. 

The aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the listed consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: MO

Complaint narrative:
After looking at my credit report I see numerous things wrong that I been trying to fix for over a year still no results XXXX XXXX XXXX XXXX XXXX XXXX  This is not my address I never lived or even been to Texas and whoever this is got a loan on my name XXXX XXXX XXXX XX/XX/XXXX Credit acceptance XX/XX/XXXX Credit acceptance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$64.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$10000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$480.00} Open Date XX/XX/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 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a credit card in the mail from a company called Chime that I did not sign up for. When I called them, they stated that both a credit and a debit account were opened this month in my name using my social security number. My credit is currently frozen at all three credit bureaus, so I asked how this was possible. After putting me on hold, the agent returned to explain that Chime is designed to allow people to build credit without a credit check ( which makes it a perfect place for identity theft ). They told me that the account was labeled as suspended but that they could not close the account until I filed & provided evidence of a police report or FTC report to close the account ( which is in my name ). I would also have to verify the last 4 digits of my Social Security Number, which feels icky given the information they already have on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
1. Consumer Information Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX SSN : XXXX 2. Complaint Details Type of Issue : Incorrect credit reporting Failure to investigate disputes Violations of FCRA ( Fair Credit Reporting Act ) Description of Problem : I am filing this formal complaint for Falsely reporting late payments to XXXX, XXXX, and XXXX despite my payment history showing 100 % on-time payments. 

Ignoring multiple disputes, including direct communication with the CEO 's office on XX/XX/XXXX, where they falsely claimed the reporting was " accurate. '' Violating FCRA 623 ( a ) by failing to : Conduct a proper investigation Correct known errors Update all three credit bureaus with my current address and accurate payment history Causing significant financial harm, including : Denied credit applications Higher interest rates on approved loans

Company response to consumer: Closed with explanation