vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this urgent request for reinvestigation and deletion of inaccurate information that continues to appear on my credit report despite multiple prior disputes. I have already contacted both the credit bureaus and the furnisher ( XXXX ) to correct these errors, but the inaccurate data remains. 

These errors include late payments and/or account information that I have already proven to be incorrect or unverifiable. Despite providing supporting documentation, the accounts continue to report inaccurately, which is negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer report be accurate, complete, and verifiable. Since the furnisher and credit bureaus have failed to properly verify or correct the disputed information after multiple investigations, I am now requesting that the erroneous data be deleted immediately from my credit file. 

I have acted in good faith by submitting all requested documents and evidence during prior disputes, yet the errors persist. I am asking for immediate reinvestigation, written confirmation of the results, and permanent deletion of any unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these entries be reviewed, and if they can not be confirmed as accurate, they should 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My Ally Bank account was suddenly locked without warning or explanation. Since then, I have called the customer service and fraud departments at least XXXX times. Each time, after answering all the security questions correctly, the representative tells me they need to disconnect the call. No one will explain why the account is under investigation, and I can not access my funds or get basic information. 

When I called again today, I was told that my account is under investigation, but they refused to provide any written notice, timeline, or confirmation of what that means. I was not contacted prior to this, and I have not been accused of any fraud or violation. 

I urgently need confirmation about XXXX recent transactions that XXXX now be frozen or reversed : {$860.00} transfer to my other bank ( XX/XX/year> ) {$500.00} XXXX transfer ( made XX/XX/year> ) I am being completely locked out of my account and given no communication or transparency regarding the status of my funds. This has caused major inconvenience and financial hardship. 

I am requesting : XXXX. Written confirmation of why the account was locked and when the investigation began. 
XXXX. Confirmation of whether the {$860.00} bank transfer and {$500.00} XXXX transfer were processed or held. 
XXXX. A timeline for resolution or release of my funds. 

Please escalate this matter to a senior representative or case XXXX immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: GA

Complaint narrative:
I keep getting calls from them. It is Unifin, a dept collection agency. I do not owe anyone, I check my credit reports, and the few credit lines that I do have are too. I emailed them letting them know that I am not who they are looking for. I have asked them to stop through email and text message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to report an issue I experienced with Citibank in connection with my XXXX  XXXX XXXX Credit Card application. 

After applying for the Citi XXXX XXXX Credit Card, my application was approved immediately. However, just a few days later, Citibank unexpectedly closed my new account without providing any clear reason. Before the account was closed, I had fully complied with all of XXXX verification requirements, including submitting a completed and signed Form XXXX as requested. In addition, I was assessed a {$590.00} annual fee for the card, a portion of which I have already paid. 

Despite meeting every requirement and providing all requested documentation, my account was still closed shortly after approval. This closed account has now appeared on my credit report and has resulted in a decrease of approximately XXXX points to my XXXX XXXX. This outcome feels both unfair and unreasonable, as I acted in good faith and fulfilled every obligation on my part. 

I am requesting that the Consumer Financial Protection Bureau review this situation, determine why Citibank chose to close my account after approving it, and assist in having the resulting negative credit impact and fee issue resolved appropriately. 

Thank you for your attention and assistance in this matter.

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 2025-10-31 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
Charged Off Accounts : XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} SELF XXXX  BA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : SELF XXXX XXXX  Account Number : XXXX Late Payment Date : [ Specific Late Date ] XXXX XXXX XXXX Account Number : XXXX Late Payment Date : [ Specific Late Date ]

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 2025-10-31 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-31 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: NY

Complaint narrative:
XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian P.O. XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent account that I have identified on my credit report are as follows : XXXX. XXXX XXXX XXXX XXXX {$1400.00} Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-10-31 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: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-10-31 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: MA

Complaint narrative:
XXXX XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and provide a corrected entry. 

XXXX XXXX  ( Account : XXXX ) Dispute : The late payment listed for this account is inaccurate. Please verify and provide a corrected entry. 

XXXX XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and provide a corrected entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
The apartment complex reported a debt of {$11000.00} that is inaccurate and unverifiable. I requested documentation supporting these charges, including invoices, receipts, work orders, or a detailed explanation of how the balance was calculated. The property failed to provide this information. In fact, they have informed me that they do not have any invoices and that they go off of maintenances word. I asked for documentation on XX/XX/XXXX, and they have responded simply they don't have one. Many list charges, such as " unauthorized pet '', " door damages '', and " trash fees '', are unsubstantiated, and the statement includes duplicate or overlapping charges. XXXX are currently going through a lawsuit for inflating and hiding fees and alot of the fees and charges appear to be inflated. Despite the lack of verification, the debt continues to be reported to XXXX  as valid. The apartments also failed to account my security deposit or any applicable prorated rent credits despite me moving out XX/XX/year>, they have my official move out as XXXX which is impossible being my new lease in XXXX  was signed XX/XX/year>. I have not received any real documentation for this debt aside from a summary statement and a copy of my lease that only outline the charges for rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) provided a response referencing two alleged accounts ending in XXXX and XXXX. The documents they attached came from XXXX and XXXX Bank but did not include any authorization or legal assignment showing that PRA was ever granted permission to access or report my personal information. 

At no point have I signed any contract or consent form giving PRA the right to collect, share, or furnish my private credit data. The records provided are old billing summaries from other creditors and do not meet the legal definition of validation. Without a full chain of title and consumer authorization, PRAs reporting violates my privacy and my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information 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 2025-10-31 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX and the credit bureau ( s ) continue to report an account under my name ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that I formally disputed, but they have failed to provide any documentation proving the validity or ownership of the account. 

After submitting my dispute, the bureau responded stating that the account had been verified. However, no supporting evidence, such as a signed contract, billing records, or proof of authorization, was provided. 
This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers and credit bureaus to conduct a reasonable reinvestigation and provide documentary verification of any disputed account.Details of Violation The response I received merely stated that the account was verified, with no documentation to substantiate the claim.

This violates : FCRA 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) reporting information known or believed to be inaccurate.

FCRA 1681i ( a ) ( 2 ) - ( 6 ) failure to provide the consumer with all documentation obtained during the reinvestigation.

I have already sent a written request ( attached ) demanding proof of verification, but no valid response or documentation has been provided.Impact on My Credit Because of this unverifiable account, my credit report inaccurately reflects a negative item that does not belong to me or can not be proven, resulting in : Lowered credit score Potential denial of credit and financial harm Ongoing reporting of inaccurate information to third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Charged-Off Accounts XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$34000.00} XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$3500.00} I.C. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$870.00} I dispute the accuracy and completeness of these charged-off accounts. I request verification directly with the creditors. Any account that can not be verified should be removed or corrected. 

Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX I dispute these inquiries. Please verify authorization and purpose. Remove any inquiry that was not authorized. 

Late Payments XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX  I dispute this reported late payment. Please verify directly with the creditor and remove it if unverified.

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