vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: CA

Complaint narrative:
I keep having to contact direct express to get set up XXXX wallet but my card won't stay set up and I kept getting put on hold and they keep giving faulty verification codes my problem has yet been fixed and I've tried multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
b'Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items\n\nI would like to emphasize the following legal obligations under the FCRA:\n\nUnder 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including "In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury." This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.\n\nUnder 15 U.S.C. 1681i(a)(1)(A), credit bureaus must conduct a "reasonable reinvestigation" upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I\'ve identified.\n\n15 U.S. Code  1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.\n\n15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.\n\ninformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.\n\n15 U.S. Code  1681 Section B ( i ) -  Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone\'s credit file based on the requirements in the preceding section (A), the agency cannot re-add or reinsert that previously deleted information back into the person\'s file unless the entity that originally provided that information certifies that it is complete and accurate.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 explanation
Consumer complaint received 2025-09-03 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:
These records are false and should be removed from my profile within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : DPT EDXXXX Account Number : XXXX Under 15 USC 1692 c you violated my rights by unlawful communications this collection is invalid remove from my credit report immediately or Ill pursue all legal remedies available.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

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 2025-09-03 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 just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. 

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 non-monetary relief
Consumer complaint received 2025-09-03 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:
b'To Whom It May Concern:\n\nI am submitting this complaint to formally dispute multiple inaccuracies and harmful items being reported on my credit file. These errors are negatively impacting my credit standing and violate my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, and the Fair Debt Collection Practices Act (FDCPA) where applicable.\n\nIssues Identified:\n\nWrong Address Reporting\n\XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX\nThis address is being inaccurately reported on my credit file. I have no association with any other address variations reported. Continued reporting of incorrect personal information violates FCRA  607(b), which requires consumer reporting agencies to maintain maximum possible accuracy.\n\nLate Payments\n\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 (Opened: 04/17/2019, Balance: $0.00)\n\nThese accounts are inaccurately reporting late payments. I dispute the validity of these entries, as they are not supported with verifiable evidence. Under FCRA  611(a), I have the right to request reinvestigation and removal of unverifiable information.\n\nCharge-Offs\n\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)\n\nThese accounts are inaccurately reported as charge-offs, some with zero balances. This is misleading, damaging, and a violation of FCRA  607(b), as no outstanding debt exists to support a charge-off status.\n\nCollections\n\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)\n\nThese collection accounts are being reported without proper validation of the debt. Under FDCPA  809, debt collectors must provide written verification before reporting or pursuing collections.\n\nHard Inquiries (Unverified / Unauthorized)\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nThese inquiries appear on my credit file without my authorization. According to FCRA  604, a permissible purpose is required for any inquiry. These unauthorized pulls of my credit profile violate my rights and harm my credit score.\n\nRequested Resolution:\n\nImmediate deletion of the wrong address.\n\nRemoval of all inaccurate late payment notations.\n\nDeletion of misleading charge-off accounts with XXXX balances.\n\nRemoval of unverifiable collection accounts unless full documentation is provided.\n\nDeletion of unauthorized and impermissible hard inquiries.'

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX on XX/XX/year> automatically deducted a {$310.00} past due payment from my savings WITHOUT authorization. This is NEW processes and procedures. No one was able to answer my question regarding new terms or notices about this change. The deduction was a surprise. It came from my mortgage funds.

I have had this account for a decade and never experienced this. I am generally able to schedule my own payments. I am currently on XXXX and my funds are limited. A roof over my head is priority. I was able to get the funds reverse ; and told that I need to call ahead to avoid this transaction from happening. 

Also, there is nothing published on NFCU website, portal or online that states this is a policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Upon applying for a mortgage loan, I noticed that my credit has been compromised and the following accounts have been opened without my authorization. Jefferson Capital System XXXX XXXX opened XX/XX/XXXX amount {$9100.00}, XXXX XXXX XXXX opened XX/XX/XXXX amount {$22000.00}, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX amount {$5700.00}, XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$870.00} and XXXX opened XX/XX/XXXX amount {$670.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I was the victim of a job scam involving criminals impersonating the company XXXX XXXX  They sent me a fraudulent check and instructed me to deposit it, then told me to send {$1000.00} via XXXX to a vendor they claimed they worked with to purchase required work equipment. I later learned this was a scam. The check bounced and I am out {$1000.00} now. They used the logo of XXXX XXXX  on this check, and falsley signed the CEO 's name. 

The scammers used the XXXX XXXX logo on all documents they sent me and created a fake email domain, XXXX  through which I corresponded with four different supposed employees. They used names of real employees that run this business. These employees can be found on XXXX. 

I reported the incident to the FBIs Internet Crime Complaint Center ( IC3 ) and can provide my case number. I also notified Upwork ( the platform where I was contacted ), and I called the headquarters of XXXX XXXX  directly. XXXX XXXX  confirmed that this is a known scam and that their brand is being impersonated. 

I disputed the XXXX transaction with PNC Bank less than XXXX minutes of the transfer, but my claim was denied. PNC treated the matter as if it were a simple dispute rather than fraud. This was not an authorized purchase or legitimate transferit was a criminal scheme that exploited XXXX instant transfer system. 

I am requesting that PNC reconsider this case as fraud, assist me in recovering my funds, and provide documentation to law enforcement regarding the recipient account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.\nI have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX after being pressured in-person at a modeling orientation. The agreement involved a $ XXXX payment plan for training services I never received. I never made any payments, and the financing platform I initially used, XXXX, confirmed that I owe {$0.00} and can not be recharged. 

Within the legal 3-day cancellation period, I sent formal notice to both companies canceling the contract. I also declined a later termination agreement that included a non-disparagement clause and a threat of {$5000.00} penalties for speaking publicly. I rejected this agreement in writing and requested written confirmation that no debt would be pursued. 

Despite this, on XX/XX/year>, I received an email from a third-party debt collector ( Rozlin Financial Group , Inc. ) claiming I owe {$3100.00}, with no documentation or itemized debt proof. 

This is an invalid debt. I never received services, made no payments, and legally canceled the contract. The collection threat is unverified, coercive, and violates my rights under the Fair Debt Collection Practices Act. I have asked both XXXX XXXX and RFGI for debt validation and intend to dispute the claim if it is not resolved.

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 2025-09-03 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: CA

Complaint narrative:
I am disputing a debt being reported by Columbia Debt Recovery for my last apartment. This debt is inaccurate and has not been properly validated. 

I moved out of my apartment on XX/XX/year>, after giving written notice to the leasing office. The collection agency claims I vacated later, but they have not provided any documentation to support this. I never received a final invoice, statement of charges, or any accounting from the landlord. 

I have evidence of my move-out, including a dated photo of the apartment cleared on XX/XX/year> w/ location in the metadata. The leasing office also confirmed they do not have documentation to support the later move-out date being claimed. 

Despite my requests, the collection agency has not provided an itemized statement of charges, a copy of the lease accounting, or any proof that I owe this debt. They are attempting to collect without the legally required validation. 

I am requesting that Columbia Debt Recovery cease collection activity unless they can provide proper documentation, and that any inaccurate reporting to the credit bureaus be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MAINSTREET LOAN COMPANY IN
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Mainstreet Loan Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request Account No. XXXX To Whom It May Concern : This letter serves as a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and as a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I recently obtained a copy of my credit report, which lists the above-referenced account allegedly with your company. The account is reported as an installment loan with a charge-off status and a balance of {$620.00}. I hereby dispute the accuracy, completeness, and validity of this account and request full validation before any further reporting, collection, or enforcement activity continues. 

As required by law, provide the following : XXXX. A complete accounting of the alleged debt, including the original contract, payment history, charge-off details, and all assignments or transfers. 


XXXX. Proof of ownership demonstrating that your company has legal standing to collect or report this account. 


XXXX. Verification of compliance with all state and federal collection laws, including notice requirements. 


XXXX. Identification of the original creditor, original loan terms, and itemization of the current balance claimed. 


XXXX. Documentation of my written agreement bearing my signature that creates a legal obligation to repay your company. 



Until full validation is provided, you must immediately cease all collection activity, including reporting or verifying this account with any credit reporting agencies. Failure to properly validate this debt within 30 days of receipt will constitute a violation of both the FDCPA and FCRA, and I will not hesitate to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursuing action for damages in civil court. 

Be advised that continued reporting of unverified or inaccurate information to any credit bureau is considered willful noncompliance under 15 U.S.C. 1681n, which may subject you to civil liability. 

Please respond to this request at the address listed above. If you can not validate this account, you are required by law to immediately delete it from my credit reports with all consumer reporting agencies. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID, Social Security Card, and Proof of Address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation