vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
I was violated as a federal protected consumer I reached out to the collections companys over XXXX  days ago to get a copies of the 1099 c. These following compaines also are reporting inaccurate credit reporting which all items must be reporting accuratly and if not must be delete and chargerd offs according to the irs publication certificate of indebtedness which considered income and must not be report to the credit agencies and I never gave permission to transfer or sale my personal information to XXXX party companies which also is a potential case of identity thrift and I have been injured of my being able to pursuit my life liberty and happiness. 
FCRA, ECOA, HJR192 Articles 3,9 UCC 15 U.S. Code 1681b ( a ) 2 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1681b ( a ) ( 2 )

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 2025-07-22 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:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-07-22 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-07-23 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-23 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
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: PA

Complaint narrative:
I received a call from this company demanding that I pay them {$26000.00} and asked for my checking account and routing numbers or my debit card numbers and cvv code. I applied for a job in financial sector that pulls your personal credit profile and was told that I had a very large collection on my credit report that matches the same amount. I have not done business with this company, they claimed the amount was for past due rent for a property I have not resided. Previously I sent in a police report stating that I was a victim of identity theft. This company did not contact me in writing regarding this debt prior to furnishing the collection on my credit reports. The person on the phone was very hostile and unprofessional and would not listen when I asked them to not call again and that I have no knowledge of them or the debt they purchased. In accordance with the fair credit reporting act and 15 U.S. Code Chapter 41, this creditor has violated my rights. Under 15 U.S. Code 1692c - Communication in Connection with Debt Collection : 1. Limitations on Contact : Debt collectors can not contact me at inconvenient times or places. Specifically, they can't call me before XXXX XXXX or after XXXX XXXX. unless I agree to it. I have received calls at XXXX XXXX  on a Sunday. If I request that a debt collector stop contacting me, they must cease communication, except to inform me of specific actions, like legal proceedings. 2. No Contact at Work : If I inform a debt collector that I can not receive calls at my workplace, they must stop contacting me there. This company has called my work place. Under 15 U.S. Code 1692g - Validation of Debts : 1. Debt Validation Notice : Within five days of first contacting me, a debt collector must send me a written notice with details about the debt, including : * The amount owed * The name of the creditor * A statement of my rights to dispute the debt 2. Right to Dispute : I have the right to dispute the debt within 30 days of receiving the notice. If I do so, the collector must stop collection efforts until they provide verification of the debt. I have not received a notice. 3. Proof of Debt : I HAVE NO RECOLLECTION OF THIS DEBT AND I HAVE NEVER LIVED AT ADDRESS ASSOCIATED WITH THIS DEBT AT THE TIME SPECIFIED. If I request it, the collector must provide evidence that you owe the debt, which may include documentation from the creditor. My credit report has been negatively affected and I did not give the company permission to furnish any items on my credit report. This debt has not been validated and I did not receive any notices prior to the item being furnished on my credit report. PLEASE BLOCK THIS COMPANY FROM REPORTING THIS INVALID DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH. XXXX Date : XX/XX/XXXXXXXX  Subject : Formal Dispute Unauthorized Hard Inquiries on Credit Report Dear Equifax XXXX Department, I am writing to dispute several unauthorized hard inquiries that are currently appearing on my XXXX  credit report. I am requesting a full investigation and the permanent removal of the following inquiries, which I did not authorize, initiate, or consent to under any credit application : Inquiries in Dispute : 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 Legal Basis for Removal : According to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b strictly limits when and how a credit reporting agency may furnish a consumers credit report. A hard inquiry requires a permissible purpose, such as the consumers written consent or a firm credit offer. I never provided authorization for these entities to access my credit profile. 
15 U.S.C. 1681c ( a ) ( 5 ) requires the reporting agency to ensure that only accurate and relevant information remains on a consumer 's report.

15 U.S.C. 1681e ( a ) mandates that XXXX  must follow reasonable procedures to ensure maximum possible accuracy in the information it furnishes, including inquiries.

The Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) affirm that unauthorized inquiries can result in consumer harm and are grounds for dispute and removal. 
My Request : I am demanding the permanent deletion of these inquiries from my XXXX  credit file. I did not initiate or authorize these credit pulls, and there is no valid record of consent. The presence of these inquiries has caused measurable harm to my credit profile and are in direct violation of my rights under the FCRA. 
I request a complete reinvestigation under 15 U.S.C. 1681i and written confirmation that these inquiries have been removed. If they are not removed within the 30-day statutory investigation period, I will escalate the matter by filing complaints with the CFPB, FTC, and California Department XXXX XXXX XXXX XXXX XXXX XXXX and I will seek legal remedies for willful noncompliance under 15 U.S.C. 1681n and 1681o. 
Thank you for your prompt attention to this serious matter. I expect a formal response within 30 days confirming the removal of these unauthorized inquiries. 
Sincerely, 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
Consumer complaint received 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, CC : Consumer Financial Protection Bureau ( CFPB ) I am writing to formally dispute and demand the permanent deletion of the following accounts that are fraudulently reporting on my credit reports with Experian, Equifax, and TransUnion. These accounts were opened without my knowledge, authorization, or consent, and I am the victim of identity theft : XXXXXXXX XXXX XXXX {$800.00XXXX XXXX XXXX XXXX  XXXX {$960.00} XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX {$230.00} Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), also known as the Block of Information Resulting from Identity Theft, you are required by law to block and permanently delete fraudulent information from my credit file once proper documentation is provided. I am enclosing my FTC Identity Theft Affidavit, police report, and copies of my government-issued ID and Social Security card to support my claim and verify my identity.

Furthermore, under 15 U.S.C. 1681e ( a ), you are obligated to maintain reasonable procedures to assure maximum possible accuracy in the reporting of consumer credit information. Allowing the continuation of these unauthorized accounts, despite being presented with documented evidence of fraud, constitutes willful noncompliance with your duties under the FCRA. 
In addition, the continued reporting of these fraudulent accounts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and potentially exposes the furnishers and the credit bureaus to liability under 15 U.S.C. 1681n and 1681o for negligent or willful failure to comply with federal consumer protection laws. 
I am requesting that each of the listed accounts be thoroughly investigated and permanently removed from my credit reports across all three major credit reporting agencies. Failure to comply will result in a formal complaint being pursued with the Consumer Financial Protection Bureau ( CFPB ) and further legal remedies under state and federal law. 
Please confirm in writing once these accounts have been removed. I expect all required actions to be taken within the statutory time period of 30 days under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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 2025-07-23 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:
It has come to my attention that an inaccurately reported late payment has been added to my credit report. This entry does not reflect the facts of my payment behavior and contradicts my otherwise consistent financial track record.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Upon arriving at the branch, I was not greeted or asked my name. I had to offer it myself after XXXX XXXX simply asked, What do you need? in a dismissive tone, accompanied by a visible XXXX. When I inquired about my XXXX Checking account, she questioned why I had it at all, stating that it required either a \ {$25000.00} minimum balance or \ {$5000.00} in deposits. I explained that I am a XXXX  XXXX  working in an XXXX  and that I would easily meet those criteria, yet I was still met with suspicion and unprofessionalism. 

Further, I informed her that my new debit card had been mailed to an incorrect address. Another clerk kindly verified where it had been sent, confirming that it had gone to an old address. Despite this, XXXX XXXX was initially reluctantand then outright refusedto print me a new card until I stated I would contact corporate. Only then did she proceed. 

When I requested a simple bank letter confirming my address for business purposes, she again scowled and asked, What for? in a tone that felt both insulting and demeaning. She also questioned why I had a money market account, a question that felt intrusive and unnecessaryespecially considering it is clear the purpose of such accounts is generally investment-related. 

At every turn, I felt demeaned, interrogated, and unwelcome. As a working professional who banks with Citizens for both personal and financial growth, I expect to be treated with courtesy and respectregardless of how much is in my account or what assumptions may be made based on appearance. Instead, I left the branch feeling disrespected and discriminated against.

To date, I still have not received the letter I initially requested, which is frustrating and unacceptable. I urge Citizens Bank to address this matter with urgency and take the appropriate actions to ensure other clients are not subjected to this kind of treatment in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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