vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
attaced to open case # XXXX Addendum XXXX Dispute & Representative Misconduct Experians reinvestigation ( Report # XXXX ) left the XXXX XXXX late mark on my file even after changing the status to Paid as agreed paid in full early. This is contradictory reporting its impossible to both have paid as agreed and a XXXX late and is misleading under FCRA 602 and 611. The late was caused entirely by XXXX  auto-pay failure ; I had the funds and paid in full XXXX months early. 

During the dispute, Experian XXXX XXXXXXXX repeatedly interrupted me, dismissed my rights, and said Experian doesnt have to report the cause. While I was speaking, he muttered something under his breath that sounded like the worst possible slur tied to my last name XXXX XXXX, and discriminatory. When I asked him to repeat it, he lied and denied saying anything. As soon as I was being transferred to a supervisor, I heard Hello, this is and the line was cut clearly by XXXX. 

His XXXX, discriminatory, and contemptuous behavior was so casual its as if hes done it before and felt confident he could get away with it. This is not just offensive its willful misconduct during a federally protected dispute process. I request immediate removal of the XXXX late or full correction, and investigation of this employees conduct.

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 2025-08-14 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The continued presence of these potentially fraudulent entries is alarming and strongly indicates possible identity theft. This unresolved matter is causing ongoing emotional and financial damage.

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 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Subject : Complaint Against Stenger and Stenger Refusal to Provide Payment Receipt To : Consumer Financial Protection Bureau ( CFPB ) Details of Complaint : On XX/XX/year>, I made a settlement payment in the amount of {$920.00} via debit card to Stenger and Stenger. Immediately after the payment was processed, I requested a payment receipt. 

Stenger and Stenger refused to provide a receipt, responding in an aggressive manner and stating, It doesnt work like that and that I would have to wait 14 days before receiving a receipt. 

Under consumer protection laws, I understand that I am entitled to receive confirmation or a receipt for a payment immediately after it is made. Stenger and Stengers refusal to provide this documentation at the time of payment is both unreasonable and contrary to fair business practices. 

Harm Caused : I have no immediate proof of my payment, leaving me vulnerable to disputes or denials that the payment was made. 
The aggressive tone used in response to my reasonable request caused unnecessary stress and concern. 

Requested Resolution : Immediate issuance of my payment receipt.

Confirmation that Stenger and Stenger will change their practices to ensure consumers receive prompt payment confirmations. 
Review of whether this conduct violates CFPB rules or applicable consumer protection laws. 

Supporting Information : Date of payment : XX/XX/year> Payment method : Debit card Payment amount : {$920.00} Creditor/Collector : Stenger and Stenger I am submitting this complaint to request the CFPBs assistance in ensuring compliance with consumer protection requirements and to prevent other consumers from experiencing similar treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I receive an alert from my credit monitoring concerning a collection account on my credit report. I looked at the account and did not recognize this account showing on my credit report. The account was not mine and I wanted it off immediately. I called to speak to XXXX XXXX XXXX XXXX XXXX about it and they told me a manager will call me back in XXXX hours. A supervisor called me back and said she could not find the account with my name on it neither could she find any contract that I sign with them. I asked her to remove the negative account from my credit report and she told me to take it up with the credit bureaus. XXXX  representative was so rude I had to get off the phone because they were not friendly towards my concerns. XXXX  said they would look into it and I never heard back from them. And now I'm submitting my complaint through Experient with my membership to resolve this issue today.

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 2025-08-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My partners mother purchased a {$200.00} Macys gift card for me. On XX/XX/year>, I went to a Macys store to use the gift card. Ok scratching the code, the last XXXX digits of the XXXX digit code was scraped off. When the Macys associated called the customer service number on the back of the gift card, they stated the balance was {$0.00}. However, I had not used the card at all anywhere, nor had I scratched the code before that day.

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 2025-08-14 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: PA

Complaint narrative:
I am writing to formally inform you that I have been the victim of XXXX separate data breaches affecting my personal and financial information. I believe these breaches raise serious concerns under the Fair Credit Reporting Act ( FCRA ), particularly regarding the handling and reporting of information as governed by 15 U.S.C. 1681c.

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 2025-08-14 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
This late payment record is in error and contradicts my established pattern of on-time payments. Please investigate and correct my report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
calling me everyday from XX/XX/XXXX until today XX/XX/XXXX multiple times a days, I will include screenshots of my call log I will also include the certified letter along with the tracking number from this debt collector to validate debt and cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of XXXX I received a call from what displayed citibank on my cell phone screen, and I spoke with a party that I believed represented the bank and I provided the party with information requested, when I checked my checking acc later on XX/XX/XXXX was withdrawn {$8400.00} from my account, I advised citibank and opened a bank investigation, but that bank investigation has since been closed without any reimbursement of the stolen funds from my account.

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 2025-08-14 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: GA

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 explanation
Consumer complaint received 2025-08-14 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: DC

Complaint narrative:
I AM WRITING TO REQUEST THE DELETION OF THE FOLLOWING INFORMATION FROM MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I REQUEST THAT THE ITEMS BE REMOVED FROM MY CREDIT REPORT TO CORRECT AN ERROR. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION, AND I HAVE ALSO ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2025-08-14 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company 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 2025-08-14 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 Balance : {$1800.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NH XXXX Re : Debt Validation & Cease Communication Notice Pursuant to 15 U.S.C. 1692g & 1692c ( c ) To Whom It May Concern, This letter is in response to your email dated 08/14/2025 regarding the alleged debt you claim I owe. This is a formal request for validation of debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Pursuant to my rights under federal law, you are required to provide the following : The name and address of the original creditor. 

The exact amount of the alleged debt, with a detailed itemization of principal, interest, fees, and any other charges. 

A copy of the original signed agreement or contract creating the obligation. 

Proof of your legal authority to collect this debt, including a complete chain of assignment from the original creditor to your company. 

A copy of any judgment ( if applicable ). 

Proof that the statute of limitations has not expired for collecting this debt in my state. 


Cease Communication Notice : Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease all communication with me, except to provide the validation requested above or to notify me of specific legal action you intend to take. This means no telephone calls, emails, or in-person contact only written correspondence sent via U.S. Mail . 

Be advised : Until you provide proper validation, you must cease all collection activities, including reporting this alleged debt to any credit bureau. 

If this debt has already been reported, you must immediately notify all credit reporting agencies that the debt is disputed as required by 15 U.S.C. 1692g ( c ).

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state. 

I expect your complete response within XXXX  days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Re : Removal Request of Public Record Violation of 15 U.S.C. 1681b To Whom It May Concern : I am disputing the inclusion of a public record entry ( Bankruptcy/Civil Judgment/etc. ) on my Experian credit file. This information was placed on my consumer report without my written permission, which is a direct violation of 15 U.S.C. 1681b, which states that a consumer reporting agency may not furnish a consumer report except under specific permissible purposes, and only when authorized by the consumer or allowed by law.

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 2025-08-14 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: TX

Complaint narrative:
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 XXXX 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 XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I 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 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