vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The incident was two fold : I called COLUMBIA DEBT RECOVERY LLC DBA GENESIS at XXXX and the first representative I spoke with used threatening and abusive language ( e.g. " you don't even pay your bills why don't you pay your bills and you won't be confused? '' and " if you get off the phone I'm going to escalate this so it won't come off your credit because you're evading me '' even though I called him and I simply needed to cll my counterpart who also owed the bill. ) The representative then hung up on me after threatening to " escalate my account permanently '' without any further clarification. it was not only unprofessionals but it made me feel scared and threatened enough to make the payment in full without full knowledge of the situation. 

Secondly, I called for the manager to explain the situation and ease my concern that I was still able to make the payment and it be cleared from my report. The manager told me that if I made the payment in full right now it would be deleted from my account like XXXX never happened. i explained that i was nervous and skeptical because of the previous call and so I requested confirmation in writing that it would be removed and deleted from my credit report. he told me that he could not provide confirmation and I would ahve to find it online myself and take a screenshot. Again, at this point I as very worried about what they might do to me if I didn't make the payment immediately. After making the payment, I did more research and learned that they actually don't have the ability to delete it from my account and that I would need written confirmation. 

Overall, threatening sales tactics pressured me into making a tremendous payment ( {$2800.00} ) without understanding the ramifications or outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
I am filing this formal complaint against TRANSUNION for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.1 et seq. ). The account in dispute is XXXXXX/XX/XXXX XXXX ( Status : Charge Off, Date Opened XX/XX/year>, Balance : {$3600.00} ). TRANSUNION has reported this account inaccurately and failed to comply with reinsertion notice requirements, which has directly harmed my credit file. 

First, this account was previously deleted but has been reinserted into my credit report without any notification from TRANSUNION. Federal law, under FCRA 1681i ( a ) ( 5 ) ( B ), explicitly requires that a consumer reporting agency provide written notice within five business days of any reinsertion of previously deleted information. TRANSUNION failed to provide such notice, making this reinsertion unlawful. 

Second, under California law ( Cal. Civ. Code 1785.16 ), a credit reporting agency is prohibited from reinserting deleted information unless it first certifies the accuracy of the information with the furnisher and provides notice to the consumer. TRANSUNION has failed to comply with these obligations, meaning the continued reporting of this charge-off balance is both misleading and unlawful. 

Third, the presence of this charge-off notation has a materially adverse effect on my creditworthiness, financial standing, and ability to obtain credit. By unlawfully re-reporting derogatory and unverified information, TRANSUNION is engaging in a pattern of noncompliance that undermines both federal and California consumer protection laws. This behavior reflects a reckless disregard for the statutory obligations imposed on consumer reporting agencies.

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 2025-09-10 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: SC

Complaint narrative:
I have discovered several fraudulent accounts on my credit report that do not belong to me. These accounts have alarming balances and activity that could negatively impact my credit score and financial reputation. I'm concerned about the potential consequences and need to take immediate action to resolve these discrepancies and protect my financial integrity.

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 2025-09-10 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 have discovered several fraudulent accounts on my credit report that do not belong to me. These accounts have alarming balances and activity that could negatively impact my credit score and financial reputation. I'm concerned about the potential consequences and need to take immediate action to resolve these discrepancies and protect my financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

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: 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:
Dear Compliance Officer, I am writing to formally dispute and demand the immediate removal of fraudulent accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are legally required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving this notice, my FTC Identity Theft Report, and proof of identity. 
Fraudulent Inquiries to Delete : XXXX XXXX XXXX XXXX Additionally, remove all collections, inquiries, and tradelines related to these accounts, including any reporting by XXXX XXXX XXXX XXXX. 
Applicable Legal Authority : FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires a CRA to block identity theft information within 4 business days after receiving a valid ID theft report and identity proof.

FCRA 611 ( 15 U.S.C. 1681i ) Mandates prompt reinvestigation and correction of inaccurate information.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting information they know or have reason to believe is inaccurate.

FCRA 602 ( 15 U.S.C. 1681 ) Establishes your duty to ensure maximum possible accuracy of consumer information.

You are now on notice that continuing to report this fraudulent information will constitute willful noncompliance under FCRA 616 and 617, subjecting your organization to actual, statutory, and punitive damages.

Documents Enclosed : Copy of FTC Identity Theft ReportXX/XX/XXXXXXXX ( signed and dated XX/XX/year> ) FTC REPORT XX/XX/XXXX Government-issued photo ID Proof of current address ( utility bill or bank statement )

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : ExperianXXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate XXXX Reporting Under the FCRA To Whom It May Concern : I am writing to formally dispute inaccurate and damaging information being reported on my credit file concerning my XXXX XXXX ACCOUNT. After carefully reviewing my credit report, I have identified information regarding the paramount that is inaccurate, incomplete, or unverifiable. These reporting errors are negatively impacting my credit score, reputation, and ability to obtain new lines of credit or favorable lending terms.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681e, credit reporting agencies are required to maintain the maximum possible accuracy of consumer reports. When a consumer notifies a credit bureau of a dispute, you are required by law to investigate the disputed information, verify its accuracy, or remove it from the credit report. If the information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly. 
In this case, the XXXX data being furnished is not only inaccurate but also materially misleading. This includes, but is not limited to : Incorrect account statuses Inaccurate payment histories inaccurate High Credit balance Incorrect dates and report This reporting has already caused substantial harm to my creditworthiness, including denial of credit and higher interest rates. If these inaccurate entries are not corrected or removed from my credit file within the legally required time frame, I will pursue legal action for willful noncompliance with the FCRA. 
Please consider this my formal request for : An immediate investigation into the accuracy of the XXXX information being reported. 
The removal or correction of all inaccurate or unverifiable entries. 
Written confirmation that this information has been updated or deleted. 
If you need any further documentation from me to facilitate your investigation, please notify me immediately. 
If this matter is not resolved, I am fully prepared to file a lawsuit against your agency for the ongoing harm caused by your failure to uphold your legal obligations under the FCRA. 
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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : I am submitting this complaint because Equifax is reporting an incorrect address on my credit report. Specifically, the address : XXXX XXXX XXXX, XX/XX/XXXXXXXX is appearing as either my residential address or billing address. This is incorrect and misleading. To clarify : I currently do not reside at this property, nor have I ever used this property as a billing address. My current and correct residential address is different and accurately is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. I have contacted Equifax and requested that this address be removed from the " personal information '' section of my credit file, as it mischaracterizes my living situation and may confuse creditors or other data users reviewing my file. They did not respond with a resolution. The incorrect address still appears on my report. I am therefore asking for the CFPB to assist in having this information corrected or removed. I request that Equifax remove XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX from the personal/address section of my credit report, as it is not, and has never been, my primary address or billing address. It is not my residence nor my billing address. I want it reflected accurately not as personal identifying information. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citibank-issued Best Buy credit card that included a 0 % deferred interest promotion. I made regular payments, but they were applied to other balances. When the promotion expired, Citibank applied over {$4000.00} in interest to my ~ {$6000.00} balance retroactively from the original purchase date. 

I did not receive any clear or timely warning that this would happen, and the way my payments were applied made it almost impossible to pay off the promotional balance before the expiration. 

I believe Citibanks promotional financing practices are deceptive and predatory. The interest charges were not transparent, and I was misled about how payments would be applied. This ballooned my balance and ultimately led to a lawsuit. I request that the CFPB investigate and require Citibank to provide a full itemized breakdown of how the interest was calculated and whether they complied with all disclosure requirements under the Truth in Lending Act. 

I would like relief in the form of waived interest and correction of any negative reporting or collections actions based on this deceptive balance increase.

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 — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint on Dave 's customer service dispute team because, I had a package that was delivered with items not in it. I did contact the company to let them know. My items were stolen with a package that was open when I picked it up at the back door. I contacted my day customer service team to express my frustration. I allowed the team to take notes of what happened with a package that was open when I picked it up, and I contacted the company to let them know what was taken out or what was not delivered they generated a tab thats mounted up to {$270.00}. That was the initial payout refund that was supposed to come back to me. Somehow they only gave me which is XXXX {$81.00} and XXXX I am still owed {$180.00} which idea to contact the company to let them know they did not give me my full amount was {$270.00} which was the initial amount. They somehow broke it up into pieces. My argument is that I still owe {$180.00}. I contacted Dave 's customer service team to dispute to see if they can escalate to give me my money back. They stated that, I will have to wait 45 days to 90 days until they get done with their investigation. I already did the legwork by contacting the company and expressing any concerns. I need my money back. It didnt take you guys to take off my money 45 days to 90 days so why do I have to wait that long?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-10 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: IL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : 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 : {$220.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, 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 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: 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: CA

Complaint narrative:
I am submitting this formal complaint against EXPERIAN for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the California Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.1 et seq. ) regarding the mishandling and unlawful reporting of the following accounts : 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  Each of these accounts contains serious inaccuracies, improper reinsertions, and derogatory notations that violate both federal and state consumer protection laws. 

First, the XXXX XXXX XXXX account is reported as closed/business credit card with a charge-off. This account was never properly validated as belonging to me under FCRA 1681i and 1681s-2 ( b ). The notation of a business account being reported under my personal credit file is inaccurate and misleading, constituting a violation of FCRAs accuracy requirements and Cal. Civ. Code 1785.14 ( b ), which mandates maximum possible accuracy in consumer credit files. 

Second, the XXXX XXXX XXXX XXXX  account XXXX with a reported charge-off balance of {$6000.00}, was reinserted into my EXPERIAN report after it was previously deleted. This reinsertion occurred on XX/XX/XXXX without proper written notice as required by FCRA 1681i ( a ) ( 5 ) ( B ). Reinsertions without disclosure violate federal law and California state law protections under Cal. Civ. Code 1785.16, which prohibit the re-reporting of previously deleted information unless strict notice and verification procedures are followed. Furthermore, the inaccurate reporting of XXXX late payments compounds the harm caused by this unlawful reinsertion. 

Third, the XXXX XXXX XXXX account was deleted on XX/XX/XXXX but then reinserted on XX/XX/XXXX without any compliance with the reinsertion notice requirements. EXPERIANs action is a direct violation of FCRA 1681i ( a ) ( 5 ), which clearly requires a consumer reporting agency to notify the consumer within five business days of any reinsertion. Additionally, California law ( Cal. Civ. Code 1785.16 ( a ) ) requires fair handling and notice regarding reinserted information, which EXPERIAN ignored. This conduct demonstrates a reckless disregard for statutory obligations.

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 — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I deposited a check from XXXX University, made out to me in the amount of {$1200.00}, via the mobile deposit feature of the SOFI app. On the afternoon of XX/XX/year>, I received a notification that my account had been frozen due to security reasons and was instructed to call in. So, I called the customer service number right away. I was told there was an internal review on my account, and it was being closed. That the funds would be mailed to me once they finally closed my account. This person said I should have received a notice via email. I looked through all my emails. I never received notice of account closure, and no one from SOFI has explained why my account is being closed. I spoke with a manager later in the evening who still would not explain anything. I'm not sure what the point of management is there if they have no customer service skills. Also, they declined the check, which is already endorsed and signed for mobile deposit. I've banked with SOFI for years. This is a terrible way to treat a long-time customer.

Company response to consumer: Closed with monetary relief