vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-29 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: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am submitting a formal complaint against XXXX for continuing to report an unverified and inaccurate debt, and for cancelling my dispute without my authorization. 
On XX/XX/XXXX, I sent a debt validation request via certified mail to National Credit Systems regarding account number XXXX, which is reporting on my XXXX  credit file. This account is associated with XXXX XXXX XXXX, where I was placed temporarily by a home builder while my primary residence was being completed in the same neighborhood. I never signed a lease, never agreed to any terms, and I never authorized the account, neither via written nor electronic signature. This was a month to month temporary lease. 
The debt collector never responded to my validation request. Under the FDCPA, they are required to cease reporting the account to credit bureaus unless they validate the debt. They did not. 

On XX/XX/XXXX, I disputed this account through TransUnion, attaching : A copy of my debt validation letter The certified mail receipt An explanation of why the debt is unverified and not mine On XX/XX/XXXX, TransUnion sent me an email stating : At your request, we successfully cancelled your dispute investigation. No further action is necessary on your part. 

I never requested this cancellation. I never withdrew my dispute. This action was taken by XXXX  unilaterally, without notice or consent, and represents an unacceptable interference with my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I then submitted the dispute again with all supporting documentation, but I am now requesting your intervention to ensure proper handling. 

This collection account is : Unverified ( no validation provided by the furnisher ) Unauthorized ( I never agreed to or signed anything ) Being reported improperly I am requesting the CFPB to require : Deletion of this account from my XXXX  credit report A review of XXXX conduct in cancelling my dispute without my consent A record of any communication TransUnion claims shows I withdrew the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1 ) I am unable to access account online and can't get help 2 ) I have a credit score of XXXX with XXXX plus years of credit and was denied new credit because I don't have a long enough credit history.

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 2025-05-29 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: FL

Complaint narrative:
The landlord sent the debt collector a ledger that wasnt correct amount, the landlord didnt add the {$1700.00} of rental assistance from XXXX XXXX  XXXX XXXX they received. When i left on XX/XX/year> after receiving a notice on the door to leave in XXXX hours the leasing assistant told me that they never received the funds from the rental assistance. But XXXX XXXX  XXXX sent over the invoice that says they sent the XXXX on XX/XX/year> and that they cashed the check XX/XX/year>. Not sure if they pocketed that money or what. But they need to take off {$1700.00} dollars off what i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
To XXXX, I am demanding full verification of the OppLoans ( FEB/OPPLNS ) account currently reported on my credit file. This account shows a {$0.00} balance and is closed, yet it is marked as XXXX  days late. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to provide : The method of verification used in your investigation, The name and contact information of the data furnisher, And proof that a reasonable investigation was conducted. 

Failure to provide this information is a violation of federal law. If you can not verify the accuracy of this account, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I disagree with this account listed below, which appears on my credit report. Even after your investigation, I will. I would like this item immediately re-investigated this inaccuracies are highly injuries to my credit score. XXXX XXXX XXXX. ( account # XXXX ) in according with the fair credit Corp. reporting act, public law 91506, title VI, section 611, subsection A.D. Please provide me with the name and business addresses of each individual with whom you verified the above account. So that I may follow up. 
Please send me an update copy of my credit report after your rein investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
In accordance with XXXX XXXX XXXXXXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: DISCOVER BANK
State: MO

Complaint narrative:
Discover Bank has failed to resolve my ongoing fraud dispute involving XXXX unauthorized transactions on my Cashback Debit Account ending in XXXX. 

Despite claiming to have conducted XXXX investigations ( in XX/XX/XXXX and XX/XX/XXXX ), Discover has not provided any transaction-level documentation, surveillance footage, merchant responses, or PIN verification evidence as required under Regulation E of the Electronic Fund Transfer Act ( EFTA ) XXXX Instead, Discover continues to assert the transactions are valid without meeting the burden of proof. 

I have made multiple requests to receive documentation regarding their determinations, including any geolocation, IP, or device-based evidence allegedly linking the transactions to me. No such evidence has been provided to date. Furthermore, Discover closed my account following these repeated fraud claims, raising the concern of retaliatory conduct in response to protected consumer activity.

I am formally requesting CFPB oversight and intervention to compel Discover to provide full documentation of its findings, justify its decisions, and ensure the investigation meets legal standards. I am also represented by XXXX  XXXX XXXX XXXX for potential legal action regarding Discovers handling of this matter. 

This issue remains unresolved and I am seeking immediate regulatory support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER XXXX USC XXXX C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing a complaint against CitiBank regarding an unauthorized withdrawal from my account, which has resulted in a negative balance of {$550.00}. 

I had previously filed a dispute with CitiBank over a transaction, for which they issued a provisional credit. Later, CitiBank reversed that provisional credit, which I accepted. However, the merchant also refunded the amount directly, and CitiBank still withdrew that same amount from my account againeven after the refund was already processed by the merchant. 

This has effectively caused a double withdrawal, and I am now in the negative through no fault of my own. I contacted CitiBank to resolve the issue, but they have not corrected the error or returned the funds to my account. 

I am requesting immediate assistance to recover the money that was wrongfully debited and to bring my account back to its proper balance.

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 monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I want to make it clear that this complaint is both deliberate and justified. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These reporting errors are causing significant and ongoing harm to my financial stability and overall well-being. 
This issue is placing an undue burden on me at a time when I am already facing considerable personal and financial challenges.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When applying for credit, I was informed of this collection item for {$180.00} for XXXX XXXX XXXX XXXX XXXX. The dates of this bill are inconsistent on the multiple credit bureaus. I do not know what this is for. This is not my debt. I reached out to the collection agency twice requesting information to substantiate this debt. I have not received anything. I disputed the collection with TransUnion and they closed the dispute without providing any information. I have also filed a complaint with with the FTC on 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 explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Please review this complaint thoroughly, as it was submitted intentionally and not in error. My credit report appears to contain mixed or inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has caused me considerable stress and 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 2025-05-29 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This Company Has Repeatedly Added LVNV Funding LLC to My Credit Profile it do not Belong on it. this Account was Opened XXXX XXXX. This account Is closed And is not a account i Use. XXXX is what they say i owe but i never used there services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/2025, I mobile-deposited XXXX U.S. Treasury-issued XXXX checks for {$890.00} each into Capital One accounts for my minor children, for whom I am the representative payee. Capital One placed a XXXX hold on both checks without proper explanation or written notice. 

I contacted Capital One and confirmed with the U.S. Treasury that the funds were received by the bank. Capital One claimed they could not rely on the Treasury Check Verification System ( TCVS ), even though it is the official federal system for validating Treasury checks. 

Under Regulation CC ( 12 CFR 229.13 ), any extended hold requires specific exceptions and written notice. These checks are well under the {$5000.00} threshold, are federal benefit payments, and were verified by the Treasury. No valid reason has been provided for withholding them. 

This hold is causing serious financial hardship and blocking access to funds intended for the care of dependent children. I am requesting the CFPB investigate this and require Capital One to release the funds immediately and comply with federal availability laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This formal complaint is submitted regarding XXXX XXXX XXXX XXXX 's continued and willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that any disputed item must be fully investigated and corrected or deleted within 30 days of receiving a consumer dispute.On XX/XX/year>, and again on XX/XX/year>, I submitted detailed written disputes to XXXX XXXX XXXX XXXX regarding inaccuracies in their reporting of multiple accountsparticularly inconsistencies in closed dates and false reporting of late payments after account closure. Despite clear documentation and certified proof of delivery, XXXX XXXX failed to conduct a lawful reinvestigation within the required timeframe and has not issued a substantive response.As of todays date, these inaccuracies remain on my credit reports, and XXXX XXXX has offered no verification, no correction, and no acknowledgment of their legal obligations. This constitutes a direct violation of : - FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation within 30 days ; - FCRA 1681s-2 ( a ) : Reporting information with actual knowledge of errors ; - FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy in furnishing data.Furthermore, their failure to remove or update the tradeline under dispute after the legal response period has lapsed subjects the tradeline to * * mandatory deletion * * as reinforced by numerous FTC interpretations and court precedents, including * XXXX XXXX XXXX XXXX XXXX XXXX and * 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 explanation