vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I vacated from my apartment unit XX/XX/year>, leaving the unit very clean and move-in ready condition. On XX/XX/year> I returned to XXXX XXXX XXXX and submitted another application for a different unit as I did not wish to continue living near a tenant who kept over XXXX cats in a one-bedroom apartment. My application was approved within minutes. However, on XX/XX/year> when I discovered a Move-Out Reconciliation Report dated XX/XX/year>, prepared by XXXX XXXX , the property manager at XXXX XXXX XXXX According to the California landlord-tenant law ( Civil Code 1950.5 ) when a tenant moves out, the landlord has 21 days to : Refund the unused portion of the security deposit, because of this violation I'm entitled to the return of my full deposit, which XXXX XXXX XXXX XXXX XXXX XXXX XXXX keep the deposit for the previous unit {$260.00} and the new unit {$1300.00}. The Move-Out Reconciliation Report states I owe {$1000.00} which I am disputing. Sending this account to a collection agency despite the fact that XXXX XXXX XXXX XXXX is legally obligated to return my deposits constitutes retaliation and bad faith, under California Civil Code 1950.5, I am owed the return of both of my deposits, not the imposition of an alleged debt. Reporting a false balance of {$1000.00} to a debt collector while withholding my deposit is improper, retaliatory, and a direct violation of California landlord-tenant law. XXXX XXXX, XXXX XXXX XXXX XXXX had until XX/XX/year> to get the Move-Out Reconciliation Report and any refund to me, a document dated XX/XX/year> is well past the legal deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I assert that the incorrect late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are not only unfair but also 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 2025-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and reliable. I am requesting a thorough investigation of these accounts, and if they can not be verified, they must be deleted.

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 2025-09-30 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: NC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against XXXX a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ).

I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key
Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my credit file. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I submitted disputes requesting reinvestigation and removal of inaccurate and unverifiable information. Despite multiple rounds of correspondence, the bureaus have failed to correct or provide documentation supporting the disputed items. 

This ongoing failure violates the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy Disputed Items Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Unauthorized Inquiry XXXX Card Date : XX/XX/XXXX Late Payment ( Open Account ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments ( Closed/Paid Accounts ) XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus have failed to provide : The method and procedures used to verify these items Full contact information for furnishers of each account Documentation relied upon in their verification process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Found a collection sccount for {$63.00} on my credit report. I dont owe XXXX any money. Not sure what this is from. Possible fraud related.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX JPMorgan Chase accused me of fraud for adding a friend as an additional card user to a credit card XXXX months prior. They said it was fraud because they could not establish a relationship between me and my friend. JPMorgan Chase closes XXXX of my credit cards and XXXX deposit accounts. They also reported my phone number to XXXX and had me suspended. I moved my funds to XXXX, set up a new zelle profile with a new phone number and it worked for a few months. Last Friday, XXXX suspended me again and now my wife has been suspended. Someone with a chase checking account was blocked from wiring me money to my TD account yesterday. It is unfair for Chase to accuse me of fraud, provide XXXX proof of such fraud, and now prohibit me from making a living. I am owed money from a former business partner and Chase is blocking him from paying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-30 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:
I am disputing the reporting of inaccurate personal information and accounts on my credit file. Two addresses, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX , are not associated with me and are being inaccurately reported. The inclusion of addresses not connected to my identity raises serious concerns about the accuracy and reliability of the file. Additionally, the following accounts are being reported with errors : XXXX XXXX with a balance of {$0.00}, which should not continue reporting as active or delinquent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$24000.00} ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5200.00}, which both contain inaccuracies in how the balances and payment histories are being reported. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits furnishers from reporting information they know or should know is inaccurate. The reporting of false addresses and inaccurate account details is in direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 disputing the reporting of inaccurate personal information and accounts on my credit file. Two addresses, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX , are not associated with me and are being inaccurately reported. The inclusion of addresses not connected to my identity raises serious concerns about the accuracy and reliability of the file. Additionally, the following accounts are being reported with errors : XXXX XXXX with a balance of {$0.00}, which should not continue reporting as active or delinquent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$24000.00} ; and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5200.00}, which both contain inaccuracies in how the balances and payment histories are being reported. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits furnishers from reporting information they know or should know is inaccurate. The reporting of false addresses and inaccurate account details is in direct violation of these provisions.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: TX

Complaint narrative:
I am filing this complaint because my consumer credit reports, maintained by the nationwide credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX as well as other secondary credit reporting agencies, contain inaccurate and/or incomplete information. 

The disputed items include accounts and entries that do not belong to me, information that has been reported inaccurately, and records that appear outdated or unverifiable. These errors are damaging my creditworthiness, lowering my credit score, and creating barriers to obtaining fair access to credit, housing, and financial opportunities. 

I have not yet submitted direct disputes to the credit reporting agencies themselves. Instead, I am requesting the assistance of the Consumer Financial Protection Bureau to ensure that all relevant credit reporting agencies both the nationwide consumer reporting agencies and secondary data furnishers comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This includes : Conducting a reasonable reinvestigation of the disputed information. 
Deleting or correcting any inaccurate, incomplete, or unverifiable entries. 
Providing me with updated copies of corrected reports. 

I am prepared to provide supporting documentation ( such as proof of identification, account records, and evidence showing inaccuracies ) to assist in this investigation. I ask that the CFPB hold the reporting agencies accountable to the standards of accuracy, fairness, and completeness mandated by federal 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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Discovered a collection account appearing on my credit report for sprint. I didnt have service with them. I dont owe this. They have never sent me any documents. This account may be fraud related. I disputed this with the XXXX they verified it in violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Summary ( CFPB submission ) : On XX/XX/year>, I deposited a total of {$9500.00} into my account through your ATM. Due to the ATM limit, I made XXXX deposits : {$6200.00} and {$3300.00}. 
On XX/XX/year>, the bank withdrew {$3100.00} from my account, claiming the deposit amount was incorrect. I have filed XXXX claims disputing this, but all have been denied without written explanation or documentation. 
I have never received the required denial letters or investigation reports, which violates the Electronic Funds Transfer Act ( EFTA ). The bank has refused to provide reconciliation reports, deposit records, or third-party audit details.

I am requesting : Immediate credit of the missing {$3100.00}. 
Copies of all investigation and reconciliation records. 
A proper written explanation of the claim denials. 
The banks actions are unfair, and I am being deprived of my own funds without proper investigation. 
Bank name : BANK OF AMERICA Your account type 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
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX To Whom It May Concern : Re : Formal Notice of Cease & Desist and Permissible Purpose Demand This letter serves as my official notice regarding your actions involving my consumer credit file and any alleged debt collection attempts. 
Pursuant to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer XXXX XXXX XXXX XXXX XXXX. 
Re : Cease and Desist & Permissible Purpose Demand LVNV FUNDING LLC Re : Cease and Desist & Permissible Purpose Demand Account # Reported Date : XX/XX/XXXX Amount : {$1600.00} reporting agency may only furnish a consumer report under certain legally defined permissible purposes. If you, your company, or any affiliated party have accessed, obtained, or reported information concerning me without a legally valid permissible purpose, you are in direct violation of federal law. You are hereby required to provide documented proof of your permissible purpose for any and all activity related to my consumer report. 
Additionally, pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), this letter constitutes my formal cease and desist demand. You are instructed to immediately stop all communications with me regarding any alleged debt, whether by phone, mail, email, text, or through third parties, including my employer and family. Any continued contact after receipt of this notice will be considered a wilful violation of federal law.

Failure to comply with the above will leave me with no choice but to take immediate action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to initiate a private civil lawsuit against your company for statutory damages, attorneys fees, and any additional relief allowed under the law.

You have 15 days from receipt of this letter to provide written proof of your permissible purpose, and to confirm that all further communication with me will cease. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Net Pay Advance, Inc.
State: CA

Complaint narrative:
I applied for a payday loan through net pay advance. I put in my current bank acct info.verified through plaid. A few days later i still didnt receive the loan but they took it out of my bank acct. When I contacted them they said it was deposited into an acct that had been closed for approx XXXX years ago This was XXXX XXXX XXXX XXXX which I owed on a loan. So XXXX XXXX XXXX XXXX took my money. What I dont understand is. When I asked net payday advance where they got my old credit union acct info from they said a XXXX party. So they had my current bank info to withdraw the funds but not to deposit the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and reliable. I am requesting a thorough investigation of these accounts, and if they can not be verified, they must be deleted.

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