vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Hi there- to summarize, my former partner and I moved out of our apartment in XXXX XXXX XXXX. Afterwards, we had several correspondences with XXXX XXXX over the course of a few months wherein they claimed that we owed over {$7000.00} for rent in XXXX and XXXX. Despite us providing ample evidence and repeatedly stating that we had no involvement with this, as well as repeatedly being told that management would " deal with it, '' we later discovered that we had each been sent to collections. Please note that neither of us received ANYTHING in writing at any point from the agency or XXXX XXXX XXXX notifying us We each discovered this independently when running credit checks with other apartments. As you can imagine, it has nearly crippled our abilities to function as young adults looking to purchase vehicles, rent apartments, purchase a house, etc. 

There is a full and complete description of this ongoing issue attached below in the " Dispute Document '' document. In it there is a surplus of evidence of refused communication, mismanagement by the property owners who purchased XXXX XXXX after we moved out, and deliberate illegal practice by the debt collecting agency. This was sent to XXXX XXXX XXXX and the credit reporting agency nearly 45 days ago with no response, though they did reach out via phone after being specifically instructed not to last month. You will also find an audio recording relating to that. 

Also- please, if you are able, contact me by email at XXXX. I am not able to use my cellphone during the day most of the time due to my work as a mortician. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} XXXX ; XXXX v. XXXX  {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The presence of this negative item is now affecting my ability to move forward with important financial goals. I respectfully ask that, as a gesture of goodwill, you consider removing this account from my credit report. I value my relationship with XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and am committed to maintaining a strong payment history with you in the future

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Approximately between the dates of XX/XX/XXXX through XX/XX/year>, I applied for the Citi XXXX credit card through XXXX XXXX. I received no confirmation email or message concerning my application, so I attempted to submit another application. 
On XX/XX/year>, I received XXXX denial applications for the following reasons. Reason XXXX, " Too many recent credit inquiries are recorded on your credit bureau report '' and " You have submitted multiple applications for credit ''. 
Also on XX/XX/year>, I attempted to explain my reasoning for the dual application but customer service was not interested in reconsideration. I was told that it wouldn't be fair to other customers to make exceptions to their policy. Furthermore, I did not attempt to elevate by requesting to speak to the next level of customer service. I believe I was not given a fair chance to resolve my application, and my score could be adversely effected. It is not recommended by multiple online sources to apply for another credit card for at-least 6 months or more to circumvent credit agencies from thinking you're money desperate. 
This all leaves me thinking : Since when did my application status become available for other customers to see, and i wonder what their opinions on fairness would be? And I suppose that credit scores aren't meaningful to credit agencies, especially if you have a flawless 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
PLEASE HELP WITH THIS FRAUD REMOVAL PROCESS I AM STRUGGLING. XXXX  IS NOT REMOVING THE FRAUD INQUIRY : CAPITAL ONE BANK USA XX/XX/year>. PLEASE HELP ME FORWARD THIS INFORMATION TO THEM AND FILE THIS COMPLAINT WITH XXXX  SINCE THEY ARE NOT WORKING WITH ME TO REMOVE THIS FRAUD INQUIRY. I AM GOING TO REPORT THIS CONTINOUSLY TILL THE BUREAU REMOVES THIS FRAUD INQUIRY ASAP. PLEASE LET ME KNOW WHEN THIS IS REMOVED AND THEY ARE REPORTED TO THE BUERAU AS FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. 
XXXX XXXX XXXXXXXX Balance {$59.00}

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am contacting you to formally dispute a reported late payment that I believe is inaccurate. My records show that I submitted the payment on time, and I have not received any prior notification that would indicate otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly assist me in launching an investigation into these accounts, as they are inaccurately reflected on my credit report. Under the provisions of USC 1681g, I am formally requesting their removal within a 15-day period. I have attached all necessary documentation for your examination. It is also important to note that the details reported by the credit bureaus are inconsistent and incorrect.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
FCRA Violation Contradictory and Inaccurate Reporting of Charged-Off Account XXXX XXXX is reporting a charged-off credit card account with a balance of {$2100.00}, which they claim is still collectible. However, their internal correspondence dated XX/XX/year>, includes multiple contradictions and admissions that raise serious concerns about the accuracy and legality of this reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ).

They state : We noticed some inconsistencies with how the account was being reported by the consumer reporting agencies. We provide the same account information to each of the consumer reporting agencies We have submitted an update to ensure this account is reflecting the same information with all the consumer reporting agencies. 

Yet in the same letter, they also claim : We are unable to update the credit reporting. Therefore, we are unable to remove this account These contradictory claims reflect a clear breakdown in their compliance obligations. If they acknowledge inconsistencies across the bureaus and claim to have submitted corrections, they are admitting that inaccurate data was being furnished. 

Specific Concerns : No 1099-C cancellation of debt form was issued, despite the account being charged off and non-accruing.

Balance continues to be reported with no proof of assignment, ownership, or full validation of debt. 
Their statement that the account is still collectible contradicts their own admission that interest and fees are no longer accruing. 
XXXX XXXX has failed to explain or resolve the internal contradictions in their statements. 

This failure to maintain consistent and verifiable information across credit bureaus and their own internal communications violates their duty to ensure maximum possible accuracy under the FCRA. 

Requested Resolution : Delete the account from all consumer reports due to materially conflicting and unverifiable information. 
Prevent future re-reporting unless XXXX XXXX can demonstrate ownership, validate the full balance, and issue proper tax documentation. 
Submit written confirmation that the reporting has ceased and will not resume under conflicting terms. 
If no 1099-C is issued and this balance continues to be reported as collectible while no interest accrues, we will be forced to report this as tax evasion to the IRS under Form 3949-A.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a PayPal credit card but it's digital. I had a balance of {$5200.00} and we decided to pay off the debt, but before I was going to pay off the balance due, I called PayPal and asked the representative, what was my pay off amount, and she told me the amount that you see in your statement and that's {$5200.00}. On XX/XX/year>XXXX  I made the minimum payment due of {$140.00}, and that left me with a balance of {$5100.00}. On XX/XX/year>XXXX  we paid off the balance due of {$5100.00}. Once the payment was made it showed me no balance due because the debt was paid full. On XX/XX/year> I received a message from PayPal that I had a balance of {$91.00} interest charges on purchases I didn't make, and the balance was {$0.00} because we paid off the card. I called PayPal and the representative told me that it was because the billing cycle ended on XX/XX/year>, which it doesn't make sense because I made the monthly minimum due payment on XX/XX/year>, and paid off the debt on XX/XX/year>. Before the new billing cycle. On one of the pictures it shows XX/XX/year> - XX/XX/year> Payment due date XX/XX/year> showing a minimum payment due of {$91.00}. And this is what's wrong it's showing the balance of {$5200.00}, interest charge of {$91.00}, not the {$5100.00}, they never applied the {$140.00} I paid on XX/XX/year>. There's 2 special financing purchases that I was supposed to pay before XX/XX/year>, which it was paid on XX/XX/year>. When we paid off the other credit cards we did not have this problem. On XX/XX/year> I was charged {$710.00}, in Interest because I didn't payoff the purchases we made before 6 months to avoid accrued interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE HELP WITH THIS FRAUD REMOVAL PROCESS I AM STRUGGLING. EQUIFAX IS NOT REMOVING THE FRAUD INQUIRY : XXXX XXXX XXXX  XXXX XX/XX/year>. PLEASE HELP ME FORWARD THIS INFORMATION TO THEM AND FILE THIS COMPLAINT WITH EQUIFAX SINCE THEY ARE NOT WORKING WITH ME TO REMOVE THIS FRAUD INQUIRY. I AM GOING TO REPORT THIS CONTINOUSLY TILL THE BUREAU REMOVES THIS FRAUD INQUIRY ASAP. PLEASE LET ME KNOW WHEN THIS IS REMOVED AND THEY ARE REPORTED TO THE BUERAU AS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal dispute of a late payment reporting on my credit file. I have reviewed my payment history and have found no record to support that the payment was late.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I have made 82 consecutive on-time mortgage payments, never missed a full payment, and yet my credit score dropped XXXX points over a XXXX XXXX monthly shortfall, caused by a notice I never received and a system that held my partial payments in suspense rather than applying them. Freedom Mortgage failed to notify me clearly, buried important information in statements while sending over 120 spam solicitations in seven months, and then inaccurately reported me as 30 days delinquent. At most I was {$200.00} short over five months. This action is disproportionate, misleading, and financially damaging. I promptly resolved the shortfall once I learned of it, and I respectfully requested the erroneous credit reporting be removed under the Fair Credit Reporting Act - but Freedom Mortgage refused, even after contacting top company officials, including the President.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Hanwha QCells USA Corp
State: TX

Complaint narrative:
Im disputing a XXXX XXXX XXXX XXXX  ( XXXX ) that was activated without my full, informed consent. XXXX XXXX installed the solar system and provided the contract only after installation. 

The agreement includes escalating rates over 25 years, totaling more than {$130000.00}. These financial terms and the XXXX itself were never disclosed or agreed to. My spouse, who co-owns the home, also never signed or consented. 

Ive submitted formal disputes to XXXX XXXX and EnFin Corp. Im requesting all billing stop immediately, the contract be voided, and the solar system removed.

This situation involves misrepresentation, possible fraud, and violations of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Reinsertion of Previously Deleted Account Violation of FCRA 611 ( a ) ( 5 ) ( B ) Dear [ Experian ], I am writing to dispute the reinsertion of a previously deleted charge-off account from American Express that has reappeared on my credit report. I was not notified within five ( 5 ) business days of the reinsertion, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

Under the law, if a deleted account is reinserted, you are required to : 1. Notify me in writing within 5 business days.

2. Identify the party that reinserted the information.

Please provide : The date of reinsertion, The method of verification used, The name and contact information of the furnisher ( Amex  ), And why I was not notified as required by law. 

If you can not verify this account with full compliance, it must be immediately removed from my credit report. 

Sincerely, XXXX XXXX XX/XX/XXXX [ SSN XXXX ]

Company response to consumer: Closed with non-monetary relief