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

Complaint narrative:
I am filing this complaint against COLUMBIA DEBT RECOVERY LLC DBA GENESIS collecting on behalf of XXXX XXXX XXXX XXXX 

On XX/XX/scrub>XXXX Genesis representatives told me I owe {$9400.00}, claiming this is a separate balance from my eviction judgment of {$2900.00} entered in XXXX XXXX XXXX in XXXX XXXX in XXXX, ND. 
They stated this separate balance must be paid no matter what the judge says and not related to the courts judgement and that the remainder is for the remaining months of the lease. 

These statements misrepresent the character, amount, and legal status of the debt in violation of 15 U.S.C. 1692e ( 2 ) ( A ). The only enforceable amount from the eviction case is the {$2900.00} awarded by the court. Any additional amounts would require a supplemental judgment or separate lawsuit, which has not occurred.

They also stated they can not provide proof of payment or receipts for partial payments, which raises concerns about accurate crediting of payments as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an error in my credit file maintained by XXXX  and Trans Union. Despite my prior requests, XXXX and TransUnion has not corrected the inaccurate spelling of my legal name. 

My correct legal name is : XXXX XXXX XXXX The name currently being reported incorrectly is : XXXX XXXX As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXX  and TransUnion investigate this matter and correct the inaccurate information on my credit file. I have attached a copy of my government-issued photo identification and Social Secu

rity card as proof of my correct legal name several times. Maintaining inaccurate personal information on my credit report may cause confusion or negatively impact my credit profile. I respectfully request that XXXX  and TransUnion update my file to reflect my correct legal name and provide me with written confirmation once this correction has been made. 

If XXXX  and TransUnion continues to refuse this correction, please provide in writing the specific reason ( s ) and documentation used to verify the incorrect version of my name. 

Thank you for your prompt attention to this matter. I expect your response within the 30 days required under the FCRA. 

Sincerely, 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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: MD

Complaint narrative:
United Collection Bureau ( UCB ) is attempting to collect a debt allegedly owed to XXXX XXXX Bank. I do not recall owing this debt and have never seen a UCB tradeline on my credit reports only XXXX appears. 

On XX/XX/2025, UCB sent me a settlement offer stating the full balance was {$6200.00} and offering to resolve it for {$3000.00}. This was the first communication I received from them. 

On XX/XX/2025, I sent a debt validation letter via certified mail, requesting documentation to verify the debt. Specifically, I asked for : The original signed contract or agreement, Proof of the debt amount and how it was calculated, Proof of assignment or ownership of the debt, Their authority to collect on behalf of the original creditor. 

To date, I have not received any response. UCB has failed to validate the debt as required under the FDCPA but continues to pursue collection. This is a violation of my rights under the FDCPA.

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

Complaint narrative:
This account is over 7 years old from the original date of delinquency and should be deleted in accordance with FCRA 605 ( a ) ( 4 ). I have disputed multiple times, and the bureaus have not removed it despite clear documentation. This violates federal law. The bureaus responded verified without proper proof.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I request the method you used to verify the disputed account XXXX XXXX XXXX XXXXXXXX for the amount of {$5200.00}. 

Please also provide : The name, address, and phone number of the entity that verified the item. 

The documents or records used in your investigation. The exact date of the last payment made including a picture for the proof of payment used because so far the proof that you have provided is not proper evidence and does not sustain any value. 

I submitted certified letters and supporting documents, including a debt collector letter dated XX/XX/XXXX confirming the account was already delinquent at that time. Despite this, the account remains on my credit report. 

You continue to report this outdated account without providing verification or removing it, which is a clear violation of federal credit reporting laws. 

I am requesting that this account be immediately removed from my credit file, and that you provide documentation of your method of verification. I am also requesting a full reinvestigation and correction of my report. 

In addition, XXXX XXXX and XXXX, XXXX, and TransUnion bureaus are reporting false and outdated information in violation of the Fair Credit Reporting Act ( FCRA ). The account shows an impossible closed date of XXXX and an opened date of XXXX. This is inaccurate and misleading. The account is also more than 7 years old from the original date of delinquency, yet it remains on my file. This is an illegal re-aging of debt under FCRA 605 and 623. Please see attached documents for proof of errors. 

I demand immediate deletion of this account and correction of all inaccurate 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 non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
This account is over 7 years old from the original date of delinquency and should be deleted in accordance with FCRA 605 ( a ) ( 4 ). I have disputed multiple times, and the bureaus have not removed it despite clear documentation. This violates federal law. The bureaus responded verified without proper proof.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I request the method you used to verify the disputed account XXXX XXXX XXXX XXXXXXXX for the amount of {$5200.00}. 

Please also provide : The name, address, and phone number of the entity that verified the item. 

The documents or records used in your investigation. The exact date of the last payment made including a picture for the proof of payment used because so far the proof that you have provided is not proper evidence and does not sustain any value. 

I submitted certified letters and supporting documents, including a debt collector letter dated XX/XX/XXXX confirming the account was already delinquent at that time. Despite this, the account remains on my credit report. 

You continue to report this outdated account without providing verification or removing it, which is a clear violation of federal credit reporting laws. 

I am requesting that this account be immediately removed from my credit file, and that you provide documentation of your method of verification. I am also requesting a full reinvestigation and correction of my report. 

In addition, XXXX XXXX and XXXX, Experian, and XXXX  bureaus are reporting false and outdated information in violation of the Fair Credit Reporting Act ( FCRA ). The account shows an impossible closed date of XXXX and an opened date of XXXX. This is inaccurate and misleading. The account is also more than 7 years old from the original date of delinquency, yet it remains on my file. This is an illegal re-aging of debt under FCRA 605 and 623. Please see attached documents for proof of errors. 

I demand immediate deletion of this account and correction of all inaccurate 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 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB Representative, I am writing to request assistance regarding funds held by Citibank , N.A . in my recently closed checking account. 

On [ XXXX  XXXX ], I opened a new Citibank checking account in good faith, with the intention of receiving a new account bonus. To fund the account, I deposited two checks from my external bank totaling [ XXXX dollars ]. Shortly afterward, both checks were bounced, even though my external bank confirmed that the checks were valid and there were no issues with my accounts. 

Following these events, my Citibank account was placed under review. I promptly contacted Citibank to explain that the bounced checks were not my fault and provided full documentation regarding the source of funds. Despite my explanation, Citibank closed my account without notice or specific reason and has not returned the funds that were transferred from my external bank account. 

I am not seeking any bonus, but I am requesting that Citibank immediately return my deposited funds totaling [ insert total amount ], which are rightfully mine. The lack of access to my funds is causing financial hardship and distress. 

I respectfully request that the CFPB investigate this matter and assist me in securing the return of my funds as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-09-09 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 am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). 
Their refusal to comply continues to cause harm to my creditworthiness and financial well-being.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Complaint : I leased a XXXX XXXX XXXX ( Lease # XXXX, XXXX XXXX ) through XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made XXXX payments of {$280.00}, all on time with no late history. Despite this, XXXX never reported the lease to the credit bureaus. 

When I applied for a new auto loan, I was classified as a first-time buyer, resulting in a higher rate and larger down payment. XXXX confirmed they have records of my payments and twice promised letters, but the credit bureaus informed me they can not accept consumer-submitted letters the creditor must report electronically. XXXX refused to do so, denied me access to a supervisor, and never returned my call. 

This failure to report accurate information has caused me financial harm. I am requesting XXXX XXXX XXXX be required to report my positive lease history to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/year> I received a Chime card in the mail that I never requested. I contacted the company and asked if they sent this card unsolicited and didn't get a straight answer. The lady on the phone was very hard to understand. I believe she said she could not release information about the account if there was one. I'm just confused on why I got a card from them with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX XX/XX/year> Re : CHIMEXXXX : Unauthorized transactions or other transaction problem I am filing a complaint against Chime regarding an unauthorized debit card transaction and mishandled dispute. On XX/XX/year>, a charge of {$65.00} was processed by XXXX using XXXX  Merchant Account Updater service. I did not authorize this transaction, and I never gave XXXX my new Chime XXXX card number. 

I disputed the charge with Chime. Chime initially reversed the payment, but then later claimed the charge was authorized and re-paid the merchant. However, XXXX has confirmed in writing that they never received these funds because the transaction was charged back on their side. 

This leaves the money missing neither in my account nor with the merchant. Chime has refused to refund me or explain where the funds went. 

Under Regulation E ( 12 CFR 1005.11 ), I am entitled to protection from unauthorized transactions and a clear resolution. Chime has failed to provide evidence that I authorized this payment, nor have they restored the disputed funds. 

I am requesting that the CFPB require Chime to ( 1 ) refund the {$65.00} to my account, and ( 2 ) provide documentation if they claim the charge was authorized. 

Note : As of today, I had to repay XXXX {$65.00} and another {$20.00} charged back fee to renew my account to keep it active on XX/XX/year>, and I have not received any refund from Chime XXXX. See attached receipt transaction from XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX cc : Chime Financial , Inc

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

Complaint narrative:
I am submitting this complaint against XXXX XXXX regarding account number XXXX. Despite my request for the company to cease communication, I have continued to receive calls and correspondence. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, including my right to request that debt collectors stop contacting me. I am requesting that the CFPB investigate these practices, ensure that XXXX XXXX ceases all unauthorized communications, and provide verification of the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Request for Validation of Debt Account/Reference Number : XXXX Dear Jefferson Capital, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide validation of this debt. 

Specifically, I am requesting : Proof of Purpose A detailed explanation of the nature and purpose of this alleged debt, including the original creditor, date of origination, and itemized accounting of the amount you claim is owed. 

Written Verification A copy of the original agreement, contract, or other documentation bearing my signature that establishes my obligation to the alleged debt. 

Until such time as you provide the requested information, please consider this debt as disputed. Additionally, I request that you cease all collection activity, including reporting this account to any credit reporting agencies, until full validation has been provided. 

Please send all correspondence regarding this matter to the mailing address listed above. 

Sincerely, XXXX

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

Complaint narrative:
I have send letter off for a proper investigation i didnt received any response i ask for Method of vertification no response then i see update and verified DIDNT response to method of verification

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 2025-09-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have send letter off for a proper investigation i didnt received any response i ask for Method of vertification no response then i see update and verified DIDNT response to method of verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing the account reported by Credit Collection Services in the amount of {$310.00}. I have never entered into any binding agreement with this company authorizing them to obtain, process, or report my personal and financial information. This account was placed on my credit report without my consent and without any proof of a valid obligation. To date, Credit Collection Services has failed to provide original wet signature documentation that proves I agreed to this debt. Uploading incomplete or computer-generated data does not qualify as validation under the law. 

This reporting is unlawful and violates multiple federal statutes : FCRA 15 U.S.C. 1681s-2 Furnishers must ensure accuracy and can not report information that can not be fully validated.

FCRA 15 U.S.C. 1681i Upon dispute, furnishers and bureaus must conduct a full reinvestigation. A true reinvestigation requires original evidence, not recycled or generic records.

FDCPA 15 U.S.C. 1692g Debt collectors are required to provide validation of debts, including original signed contracts, which has not been provided.

FCRA 15 U.S.C. 1681b No company may obtain or report consumer information without a permissible purpose. Credit Collection Services has not demonstrated such a purpose.

This account is inaccurate, unverifiable, and unlawful. Its reporting has harmed my credit profile and caused damage to my financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NV

Complaint narrative:
I am writing to dispute the following account ( s ) appearing on my credit report as they are the result of fraud and were not authorized by me. I did not apply for, open, or consent to these accounts, and I am not responsible for any activity, charges, or balances associated with them.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Since these accounts were opened without my authorization, they must be deleted from my credit report. Please provide documentation that verifies I applied for or authorized these accounts. If such proof can not be provided, the account ( s ) must be removed promptly in compliance with federal law.

Company response to consumer: Closed with non-monetary relief