vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: NC

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 explanation
Consumer complaint received 2025-05-31 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: NC

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX {$500.00} getting the account paid in full XX/XX/XXXX {$0.00} the company sent proof i do t have a account XXXX XXXX XXXX {$100.00} XXXX ask to have account removed

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 2025-05-31 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 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
I requested a copy of my background report directly from HireRight on XX/XX/25. To this day ( over a month ), I have not received the report, despite multiple follow-ups. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a copy of my file upon request. The FCRA requires that this be provided in a timely manner, generally within 15 days. HireRights failure to provide the report is a violation of my consumer rights. I am filing this complaint to compel compliance and ensure my file is properly disclosed to me. I would like a full explanation of the delay and immediate access to my complete consumer file. 

The reference numbers provided by Hire HireRight were XXXX and XXXX for XXXX XXXX XXXX XXXX. 

I can provide my request and numerous re-requests but they contain personal information so I will provide them upon request by your agency. I have dozens of emails and follow ups and Hire Right never requires additional information nor provided the report as required by FCRA. Of Note, I have not been screened by an employer but proactively attempting to preview my free background report as provided by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/year>, I filled out a Discover Bank wire transfer online for the total amount of my savings account - {$170000.00} under the assumption that this was a reversal wire transfer due to a fraudulent phone call that I received. They said they were Discover Bank and I had to fill out a reversal wire or else the money was going to be transferred out. I was very wary of this, but because the scammers had an app that mimicked Discover Bank 's SMS capabilities I sent the request believing I was blocking the transfer of my money. I received immediately a confirmation text asking if I wanted to transfer the money. I replied NO. I received a SMS immediately after that saying thank you for responding- all charges remain blocked and I was put at ease. When the money was removed from my account I reported this transfer as fraudulent within 24 hours to Discover Bank and they have done nothing about it. I've also made a police report. I have also reported it to the FBI. I am XXXX  with XXXX XXXX and I was living off of my savings account. I feel Discover Bank was completely negligent in not verifying the authenticity of this wire transaction -which because of the scammers cloning app is completely unauthorized from my end. They transferred out my entire account without one document that verifies that I authorized this. They never called me on my mobile which is the only device I have registered with them to verify it. They are the financial institution in which I invested my money and they should have safeguarded it. Discovers ' position is that it is the receiving institution which was XXXX  XXXX XXXX ' responsibility to return the money and yet they won't give me any information on the branch that was involved. I completely disagree in my situation and am shocked that Discover can claim to be an insured bank where your money is secure yet is allowed to practice business like this. I'm about to be homeless because of this and I am at my wit 's ends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.\n\nAccount Name: XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX   - Date Opened XXXXAccount Name: XXXX XXXX XXXXXXXX  - Date Opened 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
In XXXX, the Office of Personnel Management ( OPM ) submitted my complete Individual Retirement Record ( IRR ) to the Merit Systems Protection Board ( MSPB ) under Pleading No. XXXX. This submission included my unredacted Social Security number, date of birth, and disputed debt informationwithout my consent or a protective order. The IRR contained an incorrect Last Day of Pay ( LDOP ) and an alleged overpayment amount that I had previously challenged through formal requests to OPM and the VA. 

On XX/XX/XXXX, I emailed OPM to dispute errors in my retirement annuity and FEHB premium deductions, and I requested validation of the overpayment. OPM did not respond, correct the record, or validate the debt. I also provided documentation showing that I remained on OWCP status after the date OPM certified as my separation date, making the reported debt inaccurate. 

Despite my repeated efforts to resolve this issue through formal reconsideration requests and MSPB filings, OPM has not corrected the debt, provided supporting documentation, or acknowledged the Privacy Act violation involving the unredacted disclosure of my IRR. This unresolved, inaccurate debt may now affect my credit report and financial standing. 

I am requesting an investigation into OPMs mishandling of my retirement data, removal or correction of the disputed debt information, and enforcement of proper redaction and data privacy standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HILLTOP HOLDINGS, INC
State: MO

Complaint narrative:
Our lender XXXX XXXX had us also working with another lender named XXXX when it came to the day for our closing on our house XXXX email was hacked and we were told to wire money to a fraud account we immediately requested a wire back from the bank and filed fraud and police reports in the town it was sent and in the town we were in and nothing can be done XXXX is with XXXX XXXX and is refusing to take responsibility for their email being hacked I have it stated in a text saying XXXX email was hacked and then he quickly took it back and blamed us saying our email was hacked looking into my email I can see exactly anytime some one has logged in and there is no record of anyone logging into my account we are out XXXX and I was XXXX XXXX go take account and reimburse me my money back I lost being their accounts where not secure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights . 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer 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 2025-05-31 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: IL

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery LLC ( dba Genesis XXXX XXXX ) for {$1900.00}. The debt is related to alleged apartment damage after I moved out of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX. 

When the charges were initially posted by the apartment building, I had access to the move-out photos and a partial internal invoice via their online portal. Thats where I noticed discrepancies such as a refrigerator damage charge ( about {$330.00} ) accompanied by a photo that clearly does not match my unit 's layout. I flagged this in writing. However, once the account was transferred to Genesis, my access to the portal was revoked, and I no longer have the ability to retrieve those photos or invoices which is one of the reasons I have been asking Genesis to re-provide debt validation. 

Additionally, the flooring damage ( allegedly caused by a kitchen leak incident ) was internally valued at around {$1400.00}. I do not deny that water damage occurred from a faulty faucet, which I did not report on time. However, the leak was isolated, and I cleaned the area as soon as it was discovered. I dispute the scale and cost of the repairs being charged as excessive. 

On a phone call with Genesis on XX/XX/year>, I was told by a manager that I had two options : Option 1 : Pay the debt immediately at a reduced amount of approximately {$1700.00}, and they would remove the credit report entry. 

Option 2 : Request formal debt validation but they would not offer any future discount, and the full amount would remain. 

When I stood by my right to receive proper validation, the call ended with the manager saying good luck to you in a hostile tone and abruptly disconnecting.

I have made multiple written and verbal requests for documentation including on XX/XX/XXXX and XX/XX/year> but I have never received proper validation by mail or email. I am not refusing to resolve the issue ; I am asking for a fair and documented basis for the charges before making any payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-05-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer 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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Account AFFIRM INC XXXX Im unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation