vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I tried to make a payment online and I can not due to not having security code on back of card. Card is lost. Can not receive one for 7-10 days and therefore still have no security code. Called in to get help with security code and they offered to take the payment but could not process it because they need security code and card is 7-10 days out. So I asked how can I make this payment on XX/XX/XXXX due in XX/XX/XXXX and they said try the store. I go to the store and they cant make it because I dont have a card. So I call again and they said I can mail it in. I know it will not make it in time because they never even mailed me a statement. So he ordered a copy of the statement and said its 7-10 days. So now I have to wait for statement to make payment. And they have no other options for me to make payment on time. So I need cpfb to help make sure this wont affect my credit because I literally got no help making this payment just blocked every turn and was never notified of this change in advance. Since XXXX I have paid online and now its not an option until the card gets here but also there was no notification not when I signed in or email the payment mothers were changing.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: HI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXXi ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Several times over the months in 2024 I sent letters to this company for the requested information. Several reps for the agency told me the social security number and date of birth does not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I RECEIVED A PHONE CALL FROM PRO COLLECT INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. ACCOUNT NUMBER PROVIDED TO ME IS XXXX. THE PERSON WHO CALLED ME LEFT A MESSAGE STATING HER NAME WAS XXXX XXXXXXXX XXXX XXXXXXXX. I CALLED TO SEE WHAT THE CALL WAS REGARDING AND SHE ADVISED IT WAS AN ATTMEPT TO COLLECT A DEBT FROM XXXX XXXX XXXX. AFTER A BRIEF CONVERSATION, I STATED THAT I WANTED TO DISPUTE THE DEBT AND ASK IF SHE COULD SEND ME THE INFORMATION TO MY EMAIL FOR CONTACT INFO. SHE STATED SHE COULD NOT DO THAT AND MADE ME WRITE IT DOWN. SHE THEN PROCEEDED TO TELL ME THAT THE DEBT IS VALID AND I NEEDED TO PAY. I TOLD HER THE DEBT WAS NOT VALID AND THAT I HAVE 30 DAYS TO DISPUTE BEFORE VALIDATING THE DEBT. SHE PROCEEDED TO CUT ME OFF MULTIPLE TIMES WHILE I WAS TRYING TO SPEAK WHICH IS A DIRECT VIOLATION OF MY RIGHTS AS WELL AS DEBT COLLECTION PRACTICES. SHE WAS ARGUMENTATIVE TELLING ME TO PAY THE DEBT AND WOULDNT LET ME FINISH SPEAKING. AS I WAS TRYING TO TALK SHE TOLD ME TO " PAY MY BILLS '' TRYING TO INSINUATE THAT I DONT PAY ANY OF MY BILLS AND HUNG UP ON ME. THIS MADE ME FEEL HARRASSED, UNCOMFORTABLE, AND BELITTLED. I KNOW MY RIGHTS AND I KNOW I CAN CONTACT AN ATTORNEY ABOUT THIS MATTER. HOWEVER, IM WILLING TO DISCUSS RESOLVING THIS ISSUE WITH ANY MANAGER OR PERSONS IN CHARGE. WE CAN COMMUNICATE VIA EMAIL REGARDING THIS MATTER AT 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-16 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-16 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: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. Please have these remarks on credit report be removed and update the account as positive as agreed.

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 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I opened a savings and checking account with Chase, motivated by their {$900.00} combined bonus for these XXXX products. As part of that, I need to deposit {$15000.00} into the new savings account within 30 days of account opening. 

I have been trying to fund the account since I opened it. Chase has refused deposits multiple times now. I have called their fraud department attempting to unlock the account and fix the issue. The fraud team has told me multiple times that they are not able to complete the verification as the system locks them out and I need to call back later. 

This has become a huge waste of my time and has prevented me from fulfilling the terms of the deposit bonus. I have also had money direct deposited into the checking account in line with the promotion terms which I can not access now. 

I spoke with an agent a day or XXXX ago who was finally able to complete the verification and unlock the account. He told me that everything was now good and that I could fund the account. 

As soon as I tried this, their fraud department called me again and started the verification. However, they claimed that they were again locked out of the system and unable to verify me. They rejected my deposits yet again. I inally bit the bullet and paid for a wire transfer from my other bank, however the account is locked YET AGAIN. It makes no sense to lock me out of the account when I am trying to move money INTO the account. 

This has been a huge waste of time. Chase support is entirely unhelpful and runs you in circles, never actually allowing you to make progress. Now, the account is locked again and presumably holds over {$15000.00} of my money. The last agent assured me that the verification had succeded. What's more, it will begin accruing account charges because I am not able to hit the minimum thresholds to avoid service fees. 

Overall I am exremely disappointed. Chase is impossible to bank with and seems to be attempting to prevent me from fulfilling the terms of the promotion that induced me to sign up in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The only action taken by the company is the endless request and signatures, all of which were provided to the company in a timely manner. I have supplied a total of 12 sets of documents and signatures in including the requested new home title, my husband XXXX death certificate, bank statements, etc. Also signed the EQ Combined Conditional loan approval on XX/XX/year>. My credit score at the time off application was around 800 it is now 790. Still no word or response to my emails or calls. To make matters worst I was charged {$480.00} by my current bank for the payoffs requested by Navy Federal Credit Union, which was supplied on XX/XX/year> and another on XX/XX/year>. Please advise me on the best course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: IL

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 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
In XX/XX/XXXX, a disputed debt was placed on my credit by Genesis XXXX  on behalf of XXXX XXXX XXXX. The original balance was approximately {$5400.00}, but XXXX inflated it to over {$26000.00} without valid justification, violating Washington State landlord-tenant law and federal consumer protections. 

I vacated the property on XX/XX/XXXX. XXXX failed to return my {$3500.00} security deposit or send a timely itemized list of deductions. I formally disputed the debt with Genesis, explaining that the original creditor had committed multiple legal violations. I also submitted evidence, including proof of possession return, billing delay, and statements from witnesses. After reviewing my dispute, Genesis confirmed that it had removed the tradeline from all credit bureaus as of XX/XX/XXXX. 

Following that confirmation, I submitted a formal request for written documentation verifying that the account was closed and would not be reassigned or resold. Genesis has not responded. 

I am concerned that the account could be reactivated or sold to another collector. I am seeking confirmation that the account is permanently closed, all tradelines are withdrawn, and no further collection or reporting activity will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
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 explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-16 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 am writing to formally dispute the inaccurate information on my credit report. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, and the issues continue to negatively affect my credit score and financial standing. As you are aware, Equifax experienced a significant data breach in XXXX, which exposed the personal and financial information of millions of consumers, including myself. This breach may have contributed to the erroneous information on my credit report, which has not been rectified despite previous attempts to resolve these disputes. I am also aware that XXXX  has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HOME ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Tax relief services liaisons a loan for me with HOME ACCEPTANCE CORP after several months tax relief services was not able to provide me with the service that was indicated. So the service was canceled, and the money was returned to HOME ACCEPTANCE CORP by tax relief services. I made all payments via automatic deposit and was never late. HOME ACCEPTANCE CORP Identified my account as a charge off, and that is incorrect. It needs to be removed. The account was paid in full by tax relief services, and even though the delinquent account was fixed to show paid in full, the charge off was not removed. I made every payment on time and automatically and a charge off designation is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit 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