vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I was given a XXXX  day notice to renew my lease or have my lease terminated and vacate premisis. 
XX/XX/XXXX i went into office and gave a written notice that I will not be renewing. 
XX/XX/XXXX was my official move out date. I requested a walk through of the property and was refused by the property manager who stated it was too late and a walk through would be conducted with out me. In my defense to this response I took videos and pictures before turning in my keys. 
XX/XX/XXXX After speaking with the Property manager at XXXX XXXX. I informed them that my security deposit was not returned and it had been XXXX days and no itemized list was sent explaining why. 
The list included charges that was false including damages, trash, and no notice to vacate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Some of the information was incorrect the company sold my information to a debt collector. I recieved numerous phone calls from debt collectors. From the fcra I know its illegal to do so. So I want it removed from my report

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved ; the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I DON'T RECOGNIZE THESE ADDRESSES OR NAMES PLEASE REMOVE

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Inaccurate and incorrect personal information is being reported by Experian, Equifax and Transunion and that is a violation of the FCRA laws and my consumer rights. They have 4 home addresses listed on my credit report that do not belong to me or is associated with me. I have filed a complaint about these inaccuracies and yet these credit reporting agencies dont think they have to follow FCRA laws and it relates to accuracy and verifiable information. 


My HOME address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX MY state Drivers License has the same address as above. 
The following addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2025-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
The following documents are the information I originally purchased this car. I am confused and don't understand where the total amount of XXXX for the car attached to this form came from? Is it fake?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To : XXXX XXXX XXXX  Midland credit managment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX XXXX which has been assigned to Midland Credit Management . I am not liable for this debt, and I do not have a contractual agreement with Midland Credit Management authorizing them to collect any amount from me.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation Midland Credit Management must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX  lawfully transferred or sold this debt to Midland Credit Managment. 
Credit Reporting Correction If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated.

Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My name and contact info has shown up in a data breach. I have social media accounts hacked into, and messages sent to my friends and followers marketing Crypto currencies, attempts to remove money from my bank account. Inquiries for Credit that I never made. 20+ Phone calls a day from salesmen trying to sell me something or Scammers trying to collect money for something...

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 2025-02-23 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: IL

Complaint narrative:
sent multiple disputes and response got them deleted off my other credit accounts

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my consumer credit report regarding a charged-off account. The account in question is listed as follows : Creditor Name : XXXX  XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> 2022

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 2025-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
Someone accessed my account and took all my money labeled as rent. I reached out to support and they closed my account and said I was at fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Summary of the situation : I am filing a complaint against Synchrony Bank regarding my credit card account and the unexpected deferred interest charges applied after my promotional period ended on XX/XX/year>. 

I had a no-interest payment plan and was making automatic payments, unaware that I needed to pay the full balance by that date to avoid being charged the full deferred interest amount. Due to severe XXXX  XXXX following the birth of my child on XX/XX/year>, I have been under medical treatment, taking prescribed medications, regularly seeing a specialist, and have been on medical leave from work. Because of my medical condition, I was not actively checking emails, statements, or using my computer. 

Lack of adequate notification & failure to follow industry standards : I never received a phone call, text message, or mailed letter alerting me that my promotional period was ending or that I would be charged the full deferred interest amount. Synchrony Bank only sent email statements, which I was unable to monitor due to my medical condition. 

Many other financial institutions provide proactive reminders through multiple channels ( text, phone calls, or mailed notices ) before charging major financial penalties. Synchronys failure to provide these industry-standard notifications created an unfair situation, especially for a customer facing a medical hardship. 

Absolute refusal to assist & predatory policies : Upon realizing the interest charges, I contacted Synchrony Bank multiple times and escalated my concerns to higher management. Despite explaining my serious medical condition, ongoing treatment, and financial hardship due to being out of work, Synchrony refused to provide any assistance or relief. Their response was simply that I had " signed the contract, '' taking no consideration of my medical hardship, financial limitations, or inability to monitor my account due to my condition. 

The Consumer Financial Protection Bureau ( CFPB ) has previously warned against predatory deferred interest practices, and Synchronys lack of proactive communication and unwillingness to assist despite a valid medical hardship aligns with these concerns. 

Financial & Emotional Impact : This unexpected and preventable financial burden has caused additional stress during an already challenging postpartum period. I am doing my best to recover from a serious medical condition, care for my newborn, and manage my finances while being on medical leave. Synchronys refusal to assist in any way has only exacerbated my financial and emotional stress. 

I can provide medical documentation if needed to the bank.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reviewed my consumer report and noticed an error : late payments are being reported on an account where all payments were made on time. Consumer reporting agencies are responsible for ensuring that all information is reported with maximum accuracy. I have attached a screenshot from XX/XX/year>. 

Under 15 USC 1681i, agencies are required to conduct a prompt investigation of any disputed information and correct inaccuracies. I request that you investigate this matter and provide documented proof such as official statements or records that confirm these payments were reported as late. If you can not provide such evidence, I expect the report to be updated to reflect that the payments were made on time.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To : XXXX XXXX XXXX Portfolio Recovery Associates Subject : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX , which has been assigned to Portfolio Recovery Associates ( PRA ). I am not liable for this debt, and I do not have a contractual agreement with Portfolio Recovery Associates authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation PRA must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX lawfully transferred or sold this debt to PRA. 
Credit Reporting Correction If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated. 
Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has XXXX XXXX with the account number XXXX listed twice on my credit report. One listing shows its a charge off with a XXXX balance and closed and a date opened of XX/XX/XXXX account type is revolving and a XXXX dollar credit limit, the duplicate account listed with account number XXXX shows a XXXX balance and pays account as agreed and closed with a original balance of {$100.00} opened on XX/XX/XXXX. This is inaccurate. Experience has XXXX  same account with XXXX XXXX with XXXX balance and a acct charge off of XXXX dollars. I want these accounts removed from my credit reports because there are duplicate accounts of the same account on equifax credit report and inaccurate info on all of the credit bureaus reports that contraindicate each other. AlsoEquifax is listed a creditor that goes by XXXX XXXX XXXX that lists a balance of XXXX with an opened date of XX/XX/XXXX and with no payment history. A debt company bought this debt and the balance is wrong and there is XXXX payment history. This is innacurate information on XXXX  report it is listed as XXXX  with a entirely different account number and inaccurate info no payment history and the balance is different. When a debt agency bought this debt that changes the amount that is truly owed as well all of it is wrong and I want this removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX has XXXX XXXX with the account number XXXX listed twice on my credit report. One listing shows its a charge off with a XXXX balance and closed and a date opened of XX/XX/XXXX account type is revolving and a XXXX dollar credit limit, the duplicate account listed with account number XXXX shows a XXXX balance and pays account as agreed and closed with a original balance of {$100.00} opened on XX/XX/XXXX. This is inaccurate. Experience has tthr same account with XXXX  XXXX with XXXX balance and a acct charge off of XXXX dollars. I want these accounts removed from my credit reports because there are duplicate accounts of the same account on XXXX credit report and inaccurate info on all of the credit bureaus reports that contraindicate each other. AlsoXXXX is listed a creditor that goes by XXXX XXXX XXXX that lists a balance of XXXX with an opened date of XX/XX/XXXX and with no payment history. A debt company bought this debt and the balance is wrong and there is XXXX payment history. This is innacurate information on transunions report it is listed as XXXX  with a entirely different account number and inaccurate info no payment history and the balance is different. When a debt agency bought this debt that changes the amount that is truly owed as well all of it is wrong and I want this removed from my credit report

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This creditor has charged-off this debt and still is inaccurately reporting an owed balance. Which is not in compliance with the FCRA laws and IRS regulations.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This creditor has charged-off this debt and still is inaccurately reporting an owed balance. Which is not in compliance with the FCRA laws and IRS regulations.

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