vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: DE

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX DE ) and the debt collection agency Hunter Warfield. 
I vacated my apartment on XX/XX/year>, turned in my keys, and paid my final rent. Months later, I was contacted by Hunter Warfield via text claiming I owed rent for XX/XX/year> a month I did not reside in the unit. In fact, someone else had already moved in by then. I was never sent a final bill, invoice, or any communication from XXXX XXXX about this supposed balance before it was sent to collections. 
I disputed the debt with the credit bureaus. They investigated and removed it from my reports, confirming it was inaccurate. I also sent a cease-and-desist letter to Hunter Warfield, which they ignored by continuing to text and email me. 
This inaccurate reporting severely hurt my credit and caused emotional distress. I am a single mother and was denied multiple credit and rental applications during this time. I am requesting an apology, a written acknowledgment, and a monetary settlement for the damage done. 
This is a violation of the FCRA and FDCPA. I am seeking full accountability from both parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX - XXXX - 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments undeXXXX XXXX XXXX act - REMOVE LATE PAYMENTS, UPDATE TO PAID ON TIME Select XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXXXXXX act - REMOVE LATE PAYMENTS, UPDATE TO PAID ON TIME Select

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 2025-06-27 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are willfully violating federal law by reporting false, incomplete, and outdated information on my credit file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. You have failed to conduct a reasonable investigation under FCRA 1681i, despite my previous disputes.

PUBLIC RECORD IN VIOLATION : U.S. Bankruptcy Court Filing XXXX XXXXXXXX Filed : XX/XX/XXXX XXXX : XX/XX/XXXX This account is over XXXX years old, fully discharged, shows no balance, no plaintiff, and no payment history, and is still being reported as a derogatory public record on all three credit bureaus. 

You updated this record as recently as XX/XX/XXXX, but failed to suppress or correct the derogatory status after discharge. This violates : FCRA 1681e ( b ) Failure to maintain accurate, complete data FCRA 605 ( a ) ( 1 ) Bankruptcies over XXXX XXXX XXXX can not be reported FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation FCRA 1681n Willful non-compliance with legal obligations XXXX XXXX Incomplete reporting ( no payment history, no plaintiff, discharged but still marked negative ) I am also a known victim of the Equifax Data Breach, and I did not authorize the continued publication of sensitive legal filings tied to my identity. This adds another layer of privacy violation to your non-compliant reporting practices. 

FORMAL DEMAND : I am demanding immediate permanent DELETION of the above-referenced public record from Equifax, Experian, and TransUnion. You are legally required to take the following actions : DELETE the inaccurate bankruptcy record without delay. 

Provide the Method of Verification XXXX XXXX XXXX used to confirm its accuracy. 

Identify the furnishing party responsible for reporting this record, including name, address, and contact info. 

Provide a written description of the process you used to verify this information, within 15 days of completing your reinvestigation, per FCRA guidelines. 

FAILURE TO COMPLY : If you do not comply, I will proceed to file formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office And pursue civil legal action under FCRA 1681n for statutory and punitive damages. 

LEGAL RIGHTS REQUEST : Under FCRA 611 ( a ) ( 6 ), I request confirmation in writing that this account has been deleted, and that my credit report has been updated. Send me a free updated copy of my report as required under 612 ( b ). 

I have already provided enough evidence to support this dispute. If you require additional documentation, contact me at the address on file. This is your final opportunity to comply before I escalate.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are willfully violating federal law by reporting false, incomplete, and outdated information on my credit file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. You have failed to conduct a reasonable investigation under FCRA 1681i, despite my previous disputes.

PUBLIC RECORD IN VIOLATION : U.S. Bankruptcy Court Filing XXXX XXXXXXXX Filed : XX/XX/XXXX XXXX : XX/XX/XXXX This account is over XXXX years old, fully discharged, shows no balance, no plaintiff, and no payment history, and is still being reported as a derogatory public record on all three credit bureaus. 

You updated this record as recently as XX/XX/XXXX, but failed to suppress or correct the derogatory status after discharge. This violates : FCRA 1681e ( b ) Failure to maintain accurate, complete data FCRA 605 ( a ) ( 1 ) Bankruptcies over XXXX XXXX XXXX can not be reported FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a proper reinvestigation FCRA 1681n Willful non-compliance with legal obligations XXXX XXXX Incomplete reporting ( no payment history, no plaintiff, discharged but still marked negative ) I am also a known victim of the Equifax Data Breach, and I did not authorize the continued publication of sensitive legal filings tied to my identity. This adds another layer of privacy violation to your non-compliant reporting practices. 

FORMAL DEMAND : I am demanding immediate permanent DELETION of the above-referenced public record from Equifax, Experian, and TransUnion. You are legally required to take the following actions : DELETE the inaccurate bankruptcy record without delay. 

Provide the Method of Verification XXXX XXXX XXXX used to confirm its accuracy. 

Identify the furnishing party responsible for reporting this record, including name, address, and contact info. 

Provide a written description of the process you used to verify this information, within 15 days of completing your reinvestigation, per FCRA guidelines. 

FAILURE TO COMPLY : If you do not comply, I will proceed to file formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office And pursue civil legal action under FCRA 1681n for statutory and punitive damages. 

LEGAL RIGHTS REQUEST : Under FCRA 611 ( a ) ( 6 ), I request confirmation in writing that this account has been deleted, and that my credit report has been updated. Send me a free updated copy of my report as required under 612 ( b ). 

I have already provided enough evidence to support this dispute. If you require additional documentation, contact me at the address on file. This is your final opportunity to comply before I escalate.

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 2025-06-27 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: MS

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2025-06-27 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under XXXX XXXX. XXXX. This action will include claims for the following violations : XXXX XXXX XXXX Negligent Enhancement of Identity Fraud Violations under XXXX XXXX Code XXXX, XXXX ( b ), XXXX, XXXX, XXXX ( XXXX ) Failure to comply with XXXX XXXX Code XXXX ( g ) Violation of XXXX XXXX Code XXXX ( XXXX ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, a customer named XXXX XXXX checked into my vacation rental property, booked through XXXX. She accessed the home using a unique keypad code and stayed overnight. After checkout, my cleaning staff found a burn mark in the carpet and strong cigarette odor, which required XXXX XXXX. Per our house rules, which she agreed to at booking, a {$750.00} smoking violation fee plus tax was charged ( total : {$810.00} ), along with the original {$430.00} stay fee. 

On XX/XX/year>, the guest disputed both charges through Navy Federal Credit Union using the false claim that this was a canceled subscription. This was not a subscription, it was a one-time completed booking with documented access and damages. 

I submitted clear evidence through XXXX  ( my payment processor ), including XXXX camera footage, smart lock entry logs, house rules, a XXXX  invoice, and photos. Despite this, XXXX XXXX ruled in favor of the cardholder with no explanation or evidence they reviewed my submission. The result was a loss of {$1200.00} despite services being rendered and property being XXXX. 

XXXX XXXX misclassified a one-time lodging transaction as a recurring subscription, despite clear evidence the service was rendered. The guest removed their card after using the service, then fraudulently disputed the charge. The bank ignored proof and allowed theft of services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation