vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit report regarding an account with XXXX XXXXXXXX XXXX in XXXX, IN, and the subsequent collection activity by National Credit Systems ( NCS ). 

The account is reporting a balance of {$5200.00}, which is incorrect. My original lease ended on XX/XX/year>, and I mistakenly renewed the lease on XX/XX/XXXX. However, I contacted the leasing office the next day and informed the office manager that I would not be able to commit to another year. I made it clear I would be vacating by the end of XXXX, and I officially moved out on XX/XX/year>. 

Despite this, the apartment later applied charges that were dated months after I had moved out, including a write-off dated XX/XX/year>. These charges are inaccurate and were not incurred while I was living in the unit. I received no final account statement or breakdown of these charges. 

In addition, I was verbally informed by the office manager that the balance was written off and not owed. While I do not have a formal letter from the apartment, I have : A court document confirming the balance is {$0.00} and that the eviction case was sealed and dismissed A resident ledger showing the balance was written off An email from the apartment stating they are not reporting the balance and that any issues must be directed to National Credit Systems Despite this, National Credit Systems continues to report this account to the credit bureaus. I have disputed the information several times, providing all supporting documentation, yet they continue to verify it as valid without supplying proof or validation. 

This inaccurate reporting is causing serious harm to my life. I have been repeatedly denied housing opportunities based solely on this collection account. It is affecting my financial and emotional well-being, and blocking my ability to secure safe, stable housing. 

I am requesting that this account be immediately deleted from all credit reporting agencies due to : False and unverifiable reporting Lack of a final judgment or damage assessment A sealed court case with {$0.00} balance Ongoing harm caused by misleading information National Credit Systems actions are in clear violation of the Fair Credit Reporting Act ( FCRA ) and are continuing despite all evidence that this balance is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an alert via text and email advi sing me that suspicious activity was detected on the debit card connected to my Ally bank checking account. I promptly advised them that these charges were not authorized. There were 5 charges, XXXX for {$29.00}, XXXX for {$0.00} and XXXX for {$50.00}. Despite the transactions being stated as unauthorized, two of them were allowed to complete. Despite disputing this, no action has been taken by Ally to correct this.

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 2025-06-10 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: GA

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXXnquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a charge-off entry on my credit report, which I believe to be inaccurate or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and requesting that you initiate a reinvestigation of the item in question. 
The entry I am disputing is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Reason for Dispute : This account was settled and should not be marked as a charge off This account is not mine. Under the FCRA, you are legally required to investigate disputed information and remove any entry that can not be verified with accurate documentation. If the original creditor can not provide sufficient proof that this charge-off is accurate and properly reported, it must be deleted from my file. 
I respectfully request that you : 1. Conduct a reinvestigation into this account ; 2. Delete or correct the inaccurate charge-off if it can not be verified within 30 days ; 3. Provide me with written confirmation of the outcome and an updated credit report. 
If this matter is not resolved in accordance with the FCRA guidelines, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general, and pursue further legal action if necessary. 
Thank you for your attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute a charge-off entry on my credit report, which I believe to be inaccurate or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and requesting that you initiate a reinvestigation of the item in question. 
The entry I am disputing is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Reason for Dispute : This account was settled and should not be marked as a charge off This account is not mine. Under the FCRA, you are legally required to investigate disputed information and remove any entry that can not be verified with accurate documentation. If the original creditor can not provide sufficient proof that this charge-off is accurate and properly reported, it must be deleted from my file. 
I respectfully request that you : 1. Conduct a reinvestigation into this account ; 2. Delete or correct the inaccurate charge-off if it can not be verified within 30 days ; 3. Provide me with written confirmation of the outcome and an updated credit report. 
If this matter is not resolved in accordance with the FCRA guidelines, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general, and pursue further legal action if necessary. 
Thank you for your attention to this matter. I look forward to your timely response.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRespond to EQUIFAX \nI XXXX XXXX WILL SEND THIS INFORMATION BELOW EQUIFAX HAD REQUESTED!\n\nDear XXXX XXXX:\nWe have received your request concerning inaccurate information on your Equifax credit file.\nWe were unable to locate a credit file in our database with the identification information you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. We ask that you please send us a copy of two different items - one from each of the two categories listed below. One item will verify your identity and the other will verify your current address.\nCategory 1) IDENTIFICATION\nPlease make a copy of one of the following items.\nThe item you choose MUST contain your complete 9-digit Social Security number.\nPay stub with complete U.S. Social Security number W-2 form with complete U.S. Social Security number\nValid Social Security Card\nNote: A 'Work Permit Only' card is not valid proof of a SSN.\nCategory 2) CURRENT ADDRESS\nPlease make a copy of one of the following items.\nThe item you choose MUST contain your current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\nDriver's license\nRental/lease agreement or house deed\nPay stub with address\n Utility bill (i.e. gas, electric, water, cable, residential telephone bill) with current service address.\nAgain, we need a total of two items - one item from each of the categories above - to process your request.\nPlease submit those items along with this letter to the following address:\nEquifax Information Services LLC\nXXXX XXXX XXXX XXXX XXXX\nTo ensure that your request is processed without delay, please enlarge photocopies and ensure the information is legible. Illegible documents or documents that contain highlights may cause delay in processing as we may have to ask you to resubmit your request with more legible documents.\nPlease return this letter along with the requested information and your original correspondence/request to the address below.\nEquifax Information Services LLC\nXXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRespond to EQUIFAX \nI XXXX XXXX WILL SEND THIS INFORMATION BELOW EQUIFAX HAD REQUESTED!\n\nDear XXXX XXXX:\nWe have received your request concerning inaccurate information on your Equifax credit file.\nWe were unable to locate a credit file in our database with the identification information you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. We ask that you please send us a copy of two different items - one from each of the two categories listed below. One item will verify your identity and the other will verify your current address.\nCategory 1) IDENTIFICATION\nPlease make a copy of one of the following items.\nThe item you choose MUST contain your complete 9-digit Social Security number.\nPay stub with complete U.S. Social Security number W-2 form with complete U.S. Social Security number\nValid Social Security Card\nNote: A 'Work Permit Only' card is not valid proof of a SSN.\nCategory 2) CURRENT ADDRESS\nPlease make a copy of one of the following items.\nThe item you choose MUST contain your current mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\nDriver's license\nRental/lease agreement or house deed\nPay stub with address\n Utility bill (i.e. gas, electric, water, cable, residential telephone bill) with current service address.\nAgain, we need a total of two items - one item from each of the categories above - to process your request.\nPlease submit those items along with this letter to the following address:\nEquifax Information Services LLC\nXXXX XXXX XXXX XXXX XXXX\nTo ensure that your request is processed without delay, please enlarge photocopies and ensure the information is legible. Illegible documents or documents that contain highlights may cause delay in processing as we may have to ask you to resubmit your request with more legible documents.\nPlease return this letter along with the requested information and your original correspondence/request to the address below.\nEquifax Information Services LLC\nXXXX 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 2025-06-10 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: OH

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio Recovery # XXXXXXXX XXXX XXXX XXXX XXXX Placed for collection : XX/XX/XXXX Responsibility : individual Account Account type : open account Loan type : debt buyer Date updated : XX/XX/XXXX Original amount : {$450.00} XXXX XXXX  creditor : XXXX XXXX XXXX  XXXX I am reporting fraudulent activity connected to my credit file. Portfolio Recovery Associates, listed as a debt buyer on my credit report, is falsely reporting a collection account under my name. I have no knowledge of this account, never agreed to it, and have never done business with this company or the original creditor associated with it. 

This debt is part of a broader identity theft issue that includes over {$40000.00} of fraudulent debt many opened while I was still a minor. I never authorized this account and have never received any valid communication or documentation proving this debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX  XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX stated I had a debt with them. They stated they could not find a contract with me and tried to send me a contract for me to sign, which I refused. They then sent me an installation request form which they stated I signed. After reviewing the installation request form, this document did not have my signature at the bottom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Synovus Bank
State: FL

Complaint narrative:
I am formally disputing the continued reporting of an account [ XXXX XXXX/SYNOVUS/XXXX Company sold to XXXX XXXXXXXX XXXX ] that has not been validated in accordance with federal law. Despite my previous dispute, [ XXXX XXXX/SYNOVUS/XXXX  Company sold to XXXX XXXXXXXX XXXX XXXX  has failed to provide legally required validation, yet continues to report this account to the three major credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to proper debt validation. According to FCRA 1681s-2, furnishers of information must remove unverifiable accounts. Since they have failed to provide verification as required under law, their continued reporting is a direct violation of federal statutes. 

Additionally, the CFPB has reaffirmed the necessity for furnishers to cease reporting unverifiable accounts. Therefore, I demand : Immediate deletion of the unvalidated account from my XXXX XXXX XXXX XXXX reports. 

Confirmation of deletion in writing within 15 days of receiving this letter. 

Investigation into [ Creditor Name ] for noncompliance with federal law. 

Failure to comply will result in further action, including complaints to the FTC, state attorney general, and possible legal claims for violating my consumer rights. 

I expect an urgent resolution to this matter. Please acknowledge receipt and provide updates within the stated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Reporting Reference : FCRA 15 USC 1666b & FDCPA 15 USC 1692c To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of late payments on my credit file. Under the Fair Credit Billing Act ( 15 USC 1666b ), creditors are required to provide a reasonable timeframe before reporting a late payment. Additionally, under the Fair Debt Collection Practices Act ( 15 USC 1692c ), I request that no further communication regarding these disputed debts be made to third parties until resolved. 

The following accounts have been reported inaccurately and should be corrected immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) - Late payments reported by TransUnion, XXXX XXXX XXXX are inaccurate. 

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 - Inaccurate late entries reported across all three bureaus. 

I request that these items be investigated and removed from my credit file. Please conduct a thorough reinvestigation and provide written confirmation of the results within the required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : 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