vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rutherford Credit
State: TN

Complaint narrative:
Rutherford Credit- Incorrect reporting of late payments from XXXX. Payments paid through spouses XXXX XXXX Bankruptcy. 

XXXX XXXX- Incorrect reporting of late payments in XXXX 
Payments paid through XXXX XXXX XXXX Bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have no responsibility for the accounts listed. They were opened without my consent, and I request their deletion under USC 1681g within 15 days. Supporting files are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> someone pretending to be me called in several claims with Wells Fargo they immediately initiated a provisional credit for the claim I contacted the bank by the time I contacted the bank. The funds had been removed from my account. The bank made an investigation on the fraudulent claims and found them to be legitimate so they reversed the provisional credit so now whoever the scammer is that took the initial credit. And the banks decision to reverse the credit leaves my account negative- {$22000.00} and they refuse to do anything about it on top of that I lost my paycheck because its was directly deposited into a negative account ive spoken with The claims supervisor several times and he is informed me that there is a audio of a foreign sounding person calling in the claims that Wells Fargo provided the provisional credit for, and that the number nor the voice came from my phone or me, but the denial can not be reversed

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 2025-08-26 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: CA

Complaint narrative:
b"I have credit card account on my report and hard inquiries that I never have and did. It's all fraud, I'm victim of identity theft. XXXX XXXX XXXX XXXX XXXXhard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
b"I have credit card account on my report and hard inquiries that I never have and did. It's all fraud, I'm victim of identity theft. \nCITI CREDIT CARD ACCOUNT XXXXn\nhard inquiries\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is fraud as well."

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
1. This account is fully paid with a {$0.00} balance, yet the credit report still reflects multiple late and derogatory marks, which is misleading and unfairly damages my creditworthiness.

2. Reporting an account as Paid / {$0.00} Balance / Closed while simultaneously marking it as Late/Derogatory creates contradictory information that violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

3. Since the account is satisfied and shows no balance due, continued derogatory reporting does not accurately reflect the accounts final standing and misrepresents my financial responsibility.

4. This constitutes incomplete and misleading reporting under the FCRA and must be corrected or removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
1. This account is fully paid with a {$0.00} balance, yet the credit report still reflects multiple late and derogatory marks, which is misleading and unfairly damages my creditworthiness.

2. Reporting an account as Paid / {$0.00} Balance / Closed while simultaneously marking it as Late/Derogatory creates contradictory information that violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

3. Since the account is satisfied and shows no balance due, continued derogatory reporting does not accurately reflect the accounts final standing and misrepresents my financial responsibility.

4. This constitutes incomplete and misleading reporting under the FCRA and must be corrected or removed entirely.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I disputed an inaccurate bankruptcy entry on my TransUnion credit report. This bankruptcy was dismissed/closed and should not be reported, as it is unverifiable. I contacted the XXXXXXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXXXXXX XXXX  directly and received a signed letter from the XXXX XXXX XXXX dated XX/XX/year>, confirming : " The United States Bankruptcy Court does not report information to or remove information from the credit bureaus. The credit bureaus obtained this information independently. '' Since the court is not the furnisher of this data, TransUnions verification process failed to identify any legitimate source for the record. Despite providing TransUnion with the courts official statement, TransUnion continues to report this bankruptcy. 

This is a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requiring a reasonable reinvestigation and disclosure of the method of verification. TransUnions failure to provide the actual furnishers details, and its reliance on unverifiable third-party data, is noncompliance with federal law. 

I request immediate removal of the bankruptcy entry from my TransUnion credit file and confirmation in writing. 

Supporting documents attached : Dispute letter sent to TransUnion ( dated XX/XX/year> ) Certified mail proof of delivery Copy of credit report showing the bankruptcy still reporting Courts letter dated XX/XX/year> ( 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 2025-08-26 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: IL

Complaint narrative:
Re : Urgent FCRA Dispute - XXXXXXXX XXXX Late Payment Account # XXXXXXXX XXXX XXXX CERTIFIED MAIL - RETURN RECEIPT REQUESTED EMERGENCY DISPUTE UNDER FAIR CREDIT REPORTING ACT This constitutes formal notice of dispute regarding materially inaccurate information that violates multiple federal statutes. 
ACCOUNT IN DISPUTE : XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Item : 30-day late payment marking GROUNDS FOR IMMEDIATE REMOVAL : 1. FCRA 623 ( a ) ( 5 ) - Accuracy During Disputes Under 15 U.S.C. 1681s-2 ( a ) ( 5 ), furnishers can not report information they know or should know is inaccurate. The 30-day late marking lacks proper substantiation. 
2. Method of Payment Defense Per XXXX XXXX XXXX XXXX XXXX XXXX, any dispute over method of payment precludes accurate late payment reporting under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
3. Regulation Z Violations Under 12 CFR 1026 ( Truth in Lending ), any TILA disclosure violations invalidate penalty assessments, including late payment reporting. 
4. Electronic Fund Transfer Act If payments were processed electronically, EFTA compliance under 15 U.S.C. 1693 et seq. is required. Violations void late payment assessments. 
VERIFICATION DEFICIENCIES : XXXX XXXX has failed to provide : Proof of proper payment processing procedures Documentation of late payment calculation methodology Evidence of compliance with internal payment posting policies Verification of electronic payment system accuracy CONTROLLING CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnisher investigation duties XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Accuracy during ongoing disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Verification standards CONSUMER PROTECTION VIOLATIONS : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Prohibition on furnishing inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to investigate accuracy before reporting 12 CFR 1022 : CFPB supervision and enforcement authority IMMEDIATE CORRECTIVE ACTION REQUIRED : DELETE the 30-day late payment marking immediately UPDATE account status to reflect current/never late SUPPRESS any automated adverse action notices CONFIRM deletion in writing within 10 days NOTICE OF DAMAGES : Each day this inaccurate information remains reportable damages under : FCRA actual damages ( credit denial XXXX increased rates, etc. ) Statutory damages up to {$1000.00} per violation Punitive damages for willful non-compliance Attorney fees under 15 U.S.C. 1681n ( a ) ( 3 ) This matter requires IMMEDIATE ATTENTION to prevent escalation to federal litigation.

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 2025-08-26 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:
Im concerned about a late payment reflected on my report and ask for immediate investigation, as I have always made timely payments.

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 2025-08-26 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: NV

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

1681c2 ) that you, the TransUnion 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 : 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 XXXXXX/XX/XXXX, Balance : {$0.00} 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 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 2025-08-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Here 's a sample complaint description for the CFPB form regarding the XXXX XXXX XXXX unauthorized soft inquiry XXXX XXXX XXXX XXXX XXXX Sample Complaint Description : XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I discovered an unauthorized soft credit inquiry from XXXX XXXX ( XXXX XXXX ) on my credit report. I have never applied for any loan, credit card, or financial product with this company. I have never visited their website, called them, or initiated any contact whatsoever with XXXX XXXX or XXXX XXXX. 

I have no existing relationship with this company and did not provide consent for them to access my credit information. I am concerned about how they obtained my personal information and why they felt authorized to pull my credit without my permission or any legitimate business relationship. 

When I attempted to dispute this inquiry through the credit bureau, I was told that soft inquiries can not be disputed through their normal process. However, I believe this represents unauthorized access to my personal credit information. 

I am requesting : 1. An explanation of how and why XXXX XXXX accessed my credit report 2. Identification of the source of my personal information that led to this inquiry 3. Removal of this unauthorized inquiry from my credit report 4. Assurance that no further unauthorized credit checks will occur 5. Information about what safeguards the company has in place to prevent unauthorized credit access This appears to be a violation of my privacy and potentially the Fair Credit Reporting Act, as I never gave permission for this credit check and have no relationship with this company. '' -- - This description covers the key points while avoiding personal details as requested by the CFPB form. It clearly states what happened, when, and what you're seeking as a resolution.

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 2025-08-26 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: CA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report XXXX XXXX Creditor/Collection Agency Name XXXX XXXX XXXX XXXXXXXX XXXX Account NumbeXXXXXXXX XXXX Amount : {$420.00} * Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
its transworld systems and they have dose this to me and i want a full investigation and my intent is to sue to the fullest extent of the law Unfair practices 15 U.S.C. 1692f Collectors can not use unfair means to collect a debt, including trying to collect an amount not authorized by contract or law, which applies if there was no contract. ..... using fear tactics like there comments of having police reports with my full report to scare me or course me into paying a debt when there is no contract and they know it because i sked for it and they refuse to give it to me as they dont have one.

HIPAA 's " minimum necessary '' rule : Healthcare providers are permitted to share patient information with debt collectors for payment purposes, but they are subject to the " minimum necessary '' rule. This means they should only share the minimum amount of information required to collect the debt. A provider who shares an entire police report containing a patient 's medical details would be violating HIPAA.

Debt collector responsibility : When a debt collector like TSI receives Protected Health Information ( PHI ), they are responsible for safeguarding it. A debt collector who obtains HIPAA-protected information not provided by the creditor may have violated FDCPA and possibly state law. i need all this looked into i also have call recodings and video call recordings they violated my rights and im not having it i need all this looked into

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
b"I have credit card account on my report and hard inquiries that I never have and did. It's all fraud, I'm victim of identity theft. CITI CREDIT CARD ACCOUNT XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is fraud as well."

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 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I put in a dispute asking for proof of amount owed as property management charged us for months we were not there, was told Id get an email and it would be investigated. I never received another email or mail, no phone calls or anything. It was not investigated and immediately put on my credit report without warning of me owing. My account is locked so I could not pay or login to see any choice made or any investigation, I had no time to keep off my credit report or to be able to pay/ make payment arrangements.

Company response to consumer: Closed with explanation