vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
someone i personally know, knowingly had a fraudulent cashiers check sent to me so i could cash it at my bank for him, since he doesnt have a bank account, he claims it was a customer and the moneys were the down payment to start a construction job, i was extremely hesitant, i deposited it to My Bank XXXX waited XXXX hours to withdraw, knowing they would red flag anything before i withdrew, i withdrew the money from an actual Bank Teller , then, immediately handed the envelope over to my friend, The bank has footage of me handing envelopes directly over, He took it and i havent heard from him since, he blocked me when i called him immediately to tell him they took every XXXX out of my account and it was fraudulent check. i went to the bank, i ve called the XXXX number XXXX different times, all different departments, i went to police station, made police report. i have witnesses, texts messages that check was fake, after i cashed it for him. Needless to say. i gave the bank all, my witnesses, texts and police report proving it was fraud and they should had caught it, because i waited XXXX hours. They DO NIT WANT TO PUT MY HARD EARNED MONEY BACK, that the cleared my entire bank account due to fraud check, which i had done proper steps to prove it was not me and also my friend who knowingly did this, i am legally taking proper steps to make him pay consequences. I came very far in the last couple years. i worked very, very hard for the money they took from me. Thst was everything i had. i cant believe the bank is dismissing all my phone call, my visits to the actual bank with my proof, They just said. SORRY. Sorry is not working. i am truly sick about this. I thought my bank would protect me, that is the only reason i helped my friend, knowing they would see a red flag, if there was XXXX. So Unfair and Unjust. The bank literally left me with XXXX dollars and me owing them. iI have no money left and i work and i worked extremely hard to get the the place i am right now, considering my lifes trials and tribulations i had been through. I was so proud of myself for saving money and having a bank account now for XXXX  years and for this to happen. I am taking care of my friend through proper channels, I need help from you for the bank which is treating me as the perp instead of victim. i have police reports, messages and the bank has footage of me handing cash from the check directly to friend,, that prove

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report has several inaccurate accounts reporting negatively

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: TX

Complaint narrative:
My credit report has several inaccurate accounts reporting negatively

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: 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 deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I vacated XXXX XXXX XXXX  managed by XXXX XXXX. I gave notice by dropping off vacate notice to office staff on XX/XX/year> which showed my move out date of XX/XX/year>, contact info, and I gave them my forwarding address. 

Staff received keys on Friday, XX/XX/year> and upon exit I was told nothing was further required or needed from me and it would take a day or two to remove me from the rent payment system that I was on month-to-month. 

I was shocked when I got a notice dated XX/XX/year> from Fair Collections & Outsourcing ( XXXX ), so I called XXXX XXXX but was told they already turned it over to XXXX. Shortly thereafter, I started receiving calls from XXXX and I explained I had no knowledge of a move out debt and XXXX XXXX did not let me know of any debts in the typical immediate notice during a move out walk through or in writing within the Florida 30-day from move out timeline. I did not get it when I moved out so, I requested my move out inspection report to compare to the move in inspection report, so I'd know a breakdown of charges.

I didn't receive documents requested and I kept receiving debt collection calls from XXXX so on XX/XX/year> I emailed my dispute to XXXX requesting my move out inspection report and breakdown of charges. 

On XX/XX/year>, XXXX sent me a notice and included a Move Out Statement. At this time, XXXX had already reported me to the credit bureaus which really bothers me because they didn't even give time to review the statement they sent before reporting me to credit bureaus and I didn't have negative reporting. I reported to XXXX that the Move Out Statement was wrong on many parts. First because XXXX XXXX didn't provide me the notice. Second, because the notice had so many charges for a move out date of XX/XX/year>, but I had so much evidence I moved out on XX/XX/year> ( such as my electricity being turned off that day and showing proof my electricity and internet was moved to my new home ). Third, I also informed XXXX many of the charges were wrong and possibly fraudulent because items I wrote on my move in inspection were being excessively charged to me at move out. I challenged cleaning charges for a less than 600 sq ft apartment on items I noted at move in and several emails throughout my time spent living showing the apartment was subpar, but nothing was done by XXXX and I was already reported to the credit bureau. 

Overall, I was never given notice from XXXX XXXX about move out charges and I don't think it's fair XXXX reported me to the credit bureaus before I was notified of the claims of move out debts.

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:
Under the guidelines of USC 1681g, I request the deletion of all illegitimate accounts within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OZK
State: TX

Complaint narrative:
I called the bank several times and advised them these charges were not mines, I even changed cards and ask the bank to block these transactions

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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was never notified that this debt had been placed in collections. I only discovered it when reviewing my credit report.

Upon learning of the collection, I immediately took responsibility and paid the balance in full At the time of payment, I requested a pay-for-delete, but the agency declined.I was never given notice of debt or an opportunity to resolve it before it was reported to the credit bureaus. I was never aware The account is being reported in a way that is misleading and damaging, even though it has been fully satisfied.

I disputed the reporting with the credit bureaus, but the collection remains.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am disputing the reporting of late payment ( XXXX ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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: 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: PA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Omega RMS, LLC
State: TN

Complaint narrative:
On or about XX/XX/year>, I received a collection notice from Omega RMS , LLC. On XX/XX/year>, I exercised my rights under 15 U.S.C. 1692g ( a ) by sending a timely written request for debt validation. 

On or about XX/XX/year>, Omega RMS replied with only a copy of the original contract. This did not satisfy their obligation under 15 U.S.C. 1692g ( b ), which requires full validation of the debt before continuing collection activity. 

On XX/XX/year>, I sent a follow-up letter, notifying Omega RMS that their response was incomplete and directing them not to contact me again unless and until they could provide proper validation. I also specifically instructed them to refrain from any derogatory credit reporting until they complied with the law. 

Despite this notice, on or about XX/XX/year>, I received another collection statement. This constitutes continued collection activity without validation, in direct violation of 15 U.S.C. 1692g ( b ). 

On XX/XX/year>, I escalated by sending a certified letter with return receipt, again demanding proper validation and warning them not to report unverified information. 

Nevertheless, Omega RMS proceeded to report derogatory information to TransUnion. This violates 15 U.S.C. 1692e ( 8 ), which prohibits communicating credit information that is known, or should be known, to be false including failing to communicate that a debt is disputed. 

Omega RMSs conduct shows a willful and repeated disregard of the Fair Debt Collection Practices Act ( FDCPA ). They ignored multiple lawful notices, continued collection activity without validation, and reported disputed, unverified debt to a credit bureau. Their actions have caused direct harm to my credit profile and financial standing.

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: NE

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 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.

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
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: NE

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 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
I formally request the deletion of this inaccurate account from my credit report, as I never consented to its creation or use. The enclosed documents support my claim.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am submitting this complaint to dispute the fraudulent account that has appeared on my credit file. I never applied for, approved, or maintained this account. The reporting is false, misleading, and damaging to my credit reputation.

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: TX

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

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: TX

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

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report has several inaccurate accounts reporting negatively

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-09-03 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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