vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Summary of the Issue : I am filing a complaint against Columbia Debt Recovery LLC dba Genesis regarding a collection account reported on my XXXX credit report. The debt is allegedly owed to XXXX XXXX XXXX ( managed by XXXX ). 
The collection agency claims that I owe {$450.00}, while my official XXXX move-out statement ( dated XX/XX/year> ) clearly lists a total of {$430.00}, which includes a {$150.00} NSF fee XXXX a {$35.00} administrative fee, and a {$250.00} deposit forfeit. 
The XXXX statement also lists XXXX residents ( XXXX XXXX and XXXX XXXX ). However, Genesis appears to have placed the full amount under each individuals name, effectively attempting to collect the same debt twice. This is misleading and unfair. 
Furthermore, this collection appeared suddenly on my XXXX credit report with additional unexplained fees already added raising the total amount due from {$430.00} to {$450.00} {$460.00}. I was never notified of any balance, interest, or fees being added, nor have I received any formal written notice of this debt by mail at any address. 
Despite XXXX months of repeated phone calls from Genesis attempting to collect this debt, I have never received a written validation letter or proof of debt transfer from XXXX XXXX XXXX to Genesis. This failure to provide a written notice within XXXX days of their first contact is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
Additional Concerns : The debt amount being reported ( {$450.00} {$460.00} ) does not match the verified move-out statement ( {$430.00} ). 
Unexplained interest or fees appear to have been added without prior notice or authorization. 
The full balance was reported for both tenants, suggesting duplicate billing. 
My personal and financial information may have been shared or sold between third parties without consent. 
Genesis continues to make phone contact despite failing to provide required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
My record shows consistent on-time payments, and I request that this be accurately reflected. Its disappointing to encounter such an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was the victim of a scam in which a merchant sold fake merchandise and created a fake tracking number. I have been unable to contact the merchant or the shipper ever since my order was created, and I never got the merchandise. I initiated a dispute on my card in XXXX, and the last thing I heard from the bank was in XXXX. I got a letter in the mail in XXXX saying that my dispute has been voided and theyre charging me back and they refused to extend the claim because I have passed time, even though the last time I heard from the card was two months ago. I never received the merchandise and Ive been unable to get a hold of the merchant or the shipping company. The credit card company claims that they heard from them that they had a valid tracking number, but refused to answer how they got a hold of them due to me being unsuccessful. They refuse to void the fraudulent charge and are stealing my money.

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 2025-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I GOT A DEBT LETTER WENT TO MY XXXX PROVIDER AND THEY TOLD ME NOTHING WAS OWE ON MY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My mortgage with XXXX was bought by a new lender ( XXXX XXXX ) and because of the weird timing involved in these kind of transitions, there weren't enough funds in my account with Security Service Federal Credit Union to cover payment to the new mortgage lender ( Freedom ). That is my responsibility and my mistake. Security Service Federal Credit Union paid XXXX XXXX ( {$2000.00} ) even though I didn't have sufficient funds in my account, with the expectation that I would deposit the funds. ( Which is true. I hadn't transferred funds from my business account with another bank to XXXX in a timely manner but transferred the funds immediately when I realized the problem ). When XXXX paid the mortgage, however, they froze my online banking account. This created XXXX problems : First, I could not pay my mortgage from another bank in order to unfreeze my XXXX online account. They insisted the mortgage had to be paid by XXXX in order to unfreeze the account. Essentially a Catch XXXX. Second, because my online account was frozen I was unable to adjust the date or cancel any upcoming bills. There is no good reason or rationale for not being able to adjust the date of or cancel upcoming bills at any time, regardless of the assets currently in my account. This is the gist of my complaint. I specifically want to cancel/adjust the date of upcoming bills * because * of the snafu with my account. I spent over an hour on the phone with XXXX, and they refused to let me cancel or adjust the date of any upcoming bills.

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 2025-10-07 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-07 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-08 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: NY

Complaint narrative:
In XX/XX/year>, I contacted XXXX XXXX XXXX to inform them that I was experiencing financial hardship due to the XXXX pandemic. During this time, my husband was hospitalized as a result of the pandemic, which placed a severe strain on our household finances. I notified XXXX of this situation and requested temporary assistance or deferment options, as many lenders were offering under the CARES Act and federal guidance encouraging flexibility for consumers impacted by XXXX. 

Despite my proactive communication and Hondas awareness of my hardship and my husbands hospitalization, the company continued to report adverse credit information, including late payments, to the credit bureaus. This negative reporting occurred during a time of widespread national emergency and directly contradicts the spirit of federal relief measures designed to protect consumers from long term credit harm caused by pandemic related hardships. 

As a result, my credit report has been unfairly damaged, affecting my financial stability and ability to access future credit. I am requesting that XXXX XXXX XXXX review my account and remove or correct the adverse credit reporting from this period, as it is unjust, inconsistent with the relief efforts and guidance in place during XXXX, and fails to recognize my good faith efforts to communicate and seek assistance during an extremely difficult time.

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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPB findings indicate that chime not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, my wife and I began pursuing to refinance our FHA loan. The best off we found was though Rocket Mortgage. They have done multiple originations and each time there are numbers that do not make sense. Currently, the payoff to our previous lender is listed as XXXX, while the actual payoff statement lists XXXX. Moreover, they are still charging us 15 days of per diem interest at XXXX despite the fact that the payoff should cover the whole month. 

Rocket mortgage has changed the closing costs multiple times throughout the process and it seems that either they are trying to charge a higher than agreed upon cost at closing. At first we were quoted {$800.00} dollars and now we are being told at closing that it will be {$9100.00}. 

I believe that more than trying to charge us more upfront, they are stalling until XX/XX/XXXX when our rate unlocks and then they can charge us a higher rate. Our current banker has been very unhelpful and keeps on telling us the numbers will be updated when they have not been. 

Please feel to reach out to the email listed on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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 recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 
LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the XXXX XXXX consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the Police ( XXXX XXXX. XXXX ),, which clearly identifies the disputed items. Despite this, Transunion continues to report the account and the inquiries, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. Transunion has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

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 2025-10-08 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-10-07 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am writing to formally follow up on my student loan account. I have taken the following actions to resolve this matter : I received an official Discharge Letter from the U.S. Department of Education dated XX/XX/year>, confirming that my loan had been discharged. Despite the discharge, Aidvantage has refused to close the account. 
I submitted a dispute letter twice to request that the account be closed and updated with the credit bureaus. I have attached the XX/XX/year> discharge confirmation email as proof of the discharge. 

Currently, the account is being reported as in forbearance and accruing interest, which is incorrect given that the loan was discharged. This error is also negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time 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 explanation
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
XXXXTHESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFTXXXXINACCURATE INFORMATION: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 2025-10-07 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: AR

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Experian and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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