vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-02 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I PREVIOUSLY DISPUTED INQUIRIES FROM MY CREDIT PROFILE WITH THE CREDIT BUREAUS. THERE WAS INFORMATION THAT I DID NOT RECOGNIZE OR I DO NOT HAVE A CREDIT RELATIONSHIP WITH. I PREVIOUSLY DISPUTED THE INFORMATION BELOW WITH THE CREDIT BUREAUS BUT THEY FAILED TO RESPOND OR REMOVE THE INFORMATION SO I FILED A CLAIM. TRANSUINION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME REMOVE THIS INFORMATION REPORTING THAT IS HURTING MY CREDIT PROFILE AND RIGHT TO PRIVACY

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 2025-04-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I PREVIOUSLY DISPUTED INQUIRIES FROM MY CREDIT PROFILE WITH THE CREDIT BUREAUS. THERE WAS INFORMATION THAT I DID NOT RECOGNIZE OR I DO NOT HAVE A CREDIT RELATIONSHIP WITH. I PREVIOUSLY DISPUTED THE INFORMATION BELOW WITH THE CREDIT BUREAUS BUT THEY FAILED TO RESPOND OR REMOVE THE INFORMATION SO I FILED A CLAIM. TRANSUINION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME REMOVE THIS INFORMATION REPORTING THAT IS HURTING MY CREDIT PROFILE AND RIGHT TO PRIVACY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: OH

Complaint narrative:
I reached out to XXXX XXXX to confirm the pay off amount but they told me the account had been charged off.

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 2025-04-02 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: OH

Complaint narrative:
I reached out to XXXX XXXX to confirm the pay off amount but they told me the account had been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am filing this dispute to request the removal of the past-due rent amount reported by Genesis from my credit report. The information provided by Genesis is inaccurate, as I have made several attempts to resolve this issue, but the company has continued to harass me with frequent phone calls and aggressive collection tactics.

Despite my efforts to communicate with Genesis, they have failed to provide accurate and clear documentation regarding the rent payment dispute. Their repeated contact has caused undue stress and has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), as the calls have been persistent and have not led to a resolution.

I believe the report made by Genesis is not reflective of the true circumstances surrounding the rent dispute, and I am requesting its removal from my credit report. I consider the information to be both incomplete and unverifiable, and as such, I am requesting that it be deleted in accordance with the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On Tuesday, XX/XX/XXXX, I deposited a third-party check into my Chase account. The check was issued by a licensed attorney as part of a car accident settlement payable to XXXX XXXX. XXXX endorsed the check to me because he doesnt have a bank account. We both went to a Chase branch together, presented valid government-issued IDs, and the teller verified everything in person before accepting the deposit. 

Afterward, Chase contacted me claiming they needed to verify XXXX phone number before releasing the funds. We provided the correct number, but Chase rejected iteven though the phone company confirmed the number is registered to XXXX. I offered to return to the branch with XXXX and his ID again, but Chase refused in-person verification and insisted verification must be done over the phone using a public record search tool. 

After multiple failed attempts to resolve the situation and several calls with Chase representativesincluding a supervisor named XXXX from the fraud departmentChase abruptly closed my account. They never returned the funds, never provided documentation, and never issued a formal explanation. 

Additionally, I now have no online access to my account, transactions, or statements. When I log in to Chase.com, it says You dont have any accounts to show, and under documents it says no accounts are listed. Ive attached screenshots showing this. The attorney who issued the check confirmed the funds cleared out of his account on XX/XX/XXXX. That means Chase is holding cleared funds that do not belong to them. 

This is financial detainment, unlawful withholding of funds, and improper account termination during an unresolved verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
I asked the agent to remove delete dispute addresses that did not belong to me on my report. 
He stated he removed them all at which he did not remove them all. 
I asked that he delete dispute remove all closed accounts that are on my report and inaccurate accounts he did not follow correct Pursuit for everything that i asked that needed to be removed deleted disputed. 
I asked that my account be locked unless Only I ask for it to be unlocked he didnot do as he stated he would. 
He has given me false information as far as not completing my request at which he stated it was all complete. I also sent certified letters pertaining this matter. 
I need ALL that I have asked to be disputed deleted removed. No 2nd or 3rd parties have rights to my personal Information. I don't give consent for 2nd or 3rd parties to get my information or to sell it to others. I really feel discriminated against since these issues were not resolved correctly. According to Section 605b it has to be removed and my personal credit information is confidential.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
I PREVIOUSLY DISPUTED INQUIRIES FROM MY CREDIT PROFILE WITH THE CREDIT BUREAUS. THERE WAS INFORMATION THAT I DID NOT RECOGNIZE OR I DO NOT HAVE A CREDIT RELATIONSHIP WITH. I PREVIOUSLY DISPUTED THE INFORMATION BELOW WITH THE CREDIT BUREAUS BUT THEY FAILED TO RESPOND OR REMOVE THE INFORMATION SO I FILED A CLAIM. TRANSUINION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME REMOVE THIS INFORMATION REPORTING THAT IS HURTING MY CREDIT PROFILE AND RIGHT TO PRIVACY

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 2025-04-02 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: IL

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1661. 



Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) No Consumer reporting agency may make any consumer reporting containing any of the following item 's information and any other adverse item of information, other than records of convictions of crimes which antedates the reporting by 7 years.

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

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 2025-04-02 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: IL

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1661. 



Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) No Consumer reporting agency may make any consumer reporting containing any of the following item 's information and any other adverse item of information, other than records of convictions of crimes which antedates the reporting by 7 years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MA

Complaint narrative:
What happened? 
XXXX XXXX XXXX On XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX XXXX without proper notice, due process, or a fair opportunity to cure the alleged default. This repossession occurred at my residence without my consent or any judicial action. The vehicle was taken in breach of consumer protection laws, and this wrongful repossession has since been reported to the credit bureaus, severely impacting my creditworthiness. 

I am filing this formal dispute because : Violation of UCC 9-609 ( b ) ( 2 ) : XXXX  repossessed my vehicle at my home without judicial process, and without my consent, violating the Uniform Commercial Code which allows self-help repossession only if it can be done without a breach of the peace. The manner of repossessionon private property, without notice, and with intimidationwas an unlawful breach. 

Violation of 15 U.S. Code 1692f ( FDCPA - Unfair Practices ) : Their conduct in repossessing the vehicle constitutes an unfair or unconscionable means to collect a debt. No proper documentation or final warning was given before the seizure.

Failure to provide a meaningful opportunity to cure the default under state law, and a violation of Truth in Lending Act ( TILA ) requirements for clarity in loan terms and repossession remedies.

Wrongful credit reporting post-repo in violation of 15 U.S. Code 1681s-2 Furnishers of Information to Consumer Reporting Agencies . XXXX failed to report the disputed nature of the tradeline after being notified, which is a violation of the FCRA. 

Additionally, XXXX XXXX XXXX has a well-documented history of predatory auto lending, which resulted in : A {$550.00} XXXX settlement with 34 states ( XXXX ) over deceptive loan practices. 

Accusations of targeting subprime borrowers with unfair loans destined to fail. 

Violations cited by the Consumer Financial Protection Bureau ( CFPB ), Department of Justice, and numerous class action lawsuits.

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 2025-04-02 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: MA

Complaint narrative:
What happened? 
XXXX XXXX XXXX On XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX XXXX without proper notice, due process, or a fair opportunity to cure the alleged default. This repossession occurred at my residence without my consent or any judicial action. The vehicle was taken in breach of consumer protection laws, and this wrongful repossession has since been reported to the credit bureaus, severely impacting my creditworthiness. 

I am filing this formal dispute because : Violation of UCC 9-609 ( b ) ( 2 ) : XXXX  repossessed my vehicle at my home without judicial process, and without my consent, violating the Uniform Commercial Code which allows self-help repossession only if it can be done without a breach of the peace. The manner of repossessionon private property, without notice, and with intimidationwas an unlawful breach. 

Violation of 15 U.S. Code 1692f ( FDCPA - Unfair Practices ) : Their conduct in repossessing the vehicle constitutes an unfair or unconscionable means to collect a debt. No proper documentation or final warning was given before the seizure.

Failure to provide a meaningful opportunity to cure the default under state law, and a violation of Truth in Lending Act ( TILA ) requirements for clarity in loan terms and repossession remedies.

Wrongful credit reporting post-repo in violation of 15 U.S. Code 1681s-2 Furnishers of Information to Consumer Reporting Agencies . XXXX failed to report the disputed nature of the tradeline after being notified, which is a violation of the FCRA. 

Additionally, XXXX XXXX XXXX has a well-documented history of predatory auto lending, which resulted in : A {$550.00} XXXX settlement with 34 states ( XXXX ) over deceptive loan practices. 

Accusations of targeting subprime borrowers with unfair loans destined to fail. 

Violations cited by the Consumer Financial Protection Bureau ( CFPB ), Department of Justice, and numerous class action lawsuits.

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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX 2016 was stolen they damaged my my car they bust all the windows out and it was impound. I have a police report stating all these things that took place. The insurance company would not cover it, I turned it over to the dealership, Which they agreed to fix it but realize couldnt afford to pay car note and try too fix the car I couldnt afford both!! I have not had the car in months. I spoke with capital one on several occasions I explain to them I would like to do voluntary repo, Capital one is giving me hard time. I spoken with capital one finance department on several occasions about this Continuously calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNT TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$12000.00} These account has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-04-02 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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