vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau : I am writing to formally dispute a debt that was reported to my credit by National Credit System on behalf of my former landlord, XXXX XXXX ( Aka Sash XXXX ), for an alleged amount of {$8600.00}. This debt is inaccurate, unsubstantiated, and was reported without prior notice or opportunity for resolution. 

I moved out of the rental property located at XXXX XXXX XXXX Unit # B XXXX, CA, XXXX ; in XX/XX/year> after providing proper notice due to multiple lease violations and breaches by the landlord. I was never informed of any outstanding rent or damage charges either before or after moving out. No communication or itemized notice of charges was ever sent to me, in violation of local landlord-tenant laws. 

In XXXX, four months after I vacated the property, the landlord reported to his housing association that I owed {$2600.00}. However, my credit report now shows a collection entry for {$8600.00}, which is a fabricated and unsupported amount. I believe this is a deliberate attempt by the landlord to falsify claims against me in retaliation for terminating the lease early due to his violations. 
I have attached email communications and documents that demonstrate : The timeline of my move-out in XXXX That no charges or debt were communicated at the time That the landlord altered the debt amount months later without cause or legal notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b"I am writing regarding to Citi Best Buy Visa credit card XXXX with name of XXXX XXXX  applied a store credit card in Best Buy shop in XXXX XXXX, the store didn't verify my mailing information with me, instead, they used my old home address which was no longer valid, and the statement and card were sent to old address. After a while like a month after, I didn't receive the statement still, so I called best buy, and made the correction of the mailing address, requested if it's possible to send the statement to my email so I can take care of it right away, the answer was no, they had to mail. Then after a few weeks, I received a statement without the detailed transaction sheet attached, only showing Due, so I called again asking for that information, then they sent again, by the time I received the correct full statement, it was already 1-2 months in, and I was told that I was late for my payment, despite they know what has happened. So I was very upset, and went ahead and paid all in full including principal and interest and closed this account because of the inefficiency I had experienced.\n\nThen half a year after, I found out that Citi actually reported this as my side of default, which I disputed and contacted Citi credit line at XXXX And every time, when I call, the phone got to some XXXX call center, with representative who didn't care enough to investigate into the issue, the first time, a male representative sugar coated the whole thing, and apologized for the inconvenience saying everything will be fixed from their end, but nothing happened! Afterwards, I get to different representative who refused to talk at all because the account was already closed and paid in full.\n\nI am super frustrated as in my past, I have never had one single default, this closed account paid in full is impacting my credit score, and credit history, I need to get that cleared from my record. Please helpXXXX XXXX XXXX XXXX XXXX XXXX please feel free to get in touch.\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 non-monetary relief
Consumer complaint received 2025-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Alert - Protest of Illegitimate Debt Account on MyCredit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : * * Creditor/Collection Agency Name : XXXX XXXX * * * * Account Number : XXXX * * * * Amount : {$2000.00} * * * * Date of Account : XX/XX/year> * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of 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 2025-04-29 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: VA

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent deletion of the following unjustified entries from my credit file : XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balanced {$600.00} XXXX ( Original Creditor XXXX ) XXXXXXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  balanced {$170.00} XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
This serves as my official follow-up regarding the unauthorized and inaccurate entries on my credit report. These items were reported without my consent, knowledge, or authorization, which is completely unacceptable. 
Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I have the legal right to have these disputed items removed within four business days. As my initial request has not been properly addressed, I now demand the immediate and permanent deletion of the following unjustified entries from my credit file : XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balanced {$600.00} XXXX ( Original Creditor XXXX ) XXXXXXXX XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  balanced {$170.00} XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry : 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 2025-04-29 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: AL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-04-29 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: MO

Complaint narrative:
I am filing this complaint because I am a victim of identity theft resulting from the Equifax data breach, which exposed my sensitive personal information. As a result, fraudulent accounts have appeared on my credit reports. Despite notifying the credit bureaus and submitting all required documentation under 15 U.S.C. XXXX ( a ), the accounts have not been properly blocked or removed. I am exercising my rights under the Fair Credit Reporting Act to have all fraudulent information permanently deleted from my credit file. The failure to do so is causing ongoing harm to my creditworthiness. I am requesting the CFPBs assistance to ensure that the credit reporting agencies comply with federal law and promptly block and delete all identity theft-related accounts from my reports.n I have attached my ID, address verification, FTC report XXXX and dispute letters.

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 2025-04-29 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: MO

Complaint narrative:
I am filing this complaint because I am a victim of identity theft resulting from the Equifax data breach, which exposed my sensitive personal information. As a result, fraudulent accounts have appeared on my credit reports. Despite notifying the credit bureaus and submitting all required documentation under 15 U.S.C. XXXX ( a ), the accounts have not been properly blocked or removed. I am exercising my rights under the Fair Credit Reporting Act to have all fraudulent information permanently deleted from my credit file. The failure to do so is causing ongoing harm to my creditworthiness. I am requesting the CFPBs assistance to ensure that the credit reporting agencies comply with federal law and promptly block and delete all identity theft-related accounts from my reports.n I have attached my ID, address verification, FTC report XXXX and dispute letters.

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 2025-04-29 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: FL

Complaint narrative:
I submitted a lawful request to Experian under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) asking for specific details related to their reinvestigation of two disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX 

Specifically, I requested ( 1 ) a description of the procedures used during their reinvestigation, ( 2 ) the name, address, and telephone number of any furnisher they contacted, and ( 3 ) any evidence or documentation provided by the furnisher ( s ). 

Despite my proper request, Experian failed to provide the required information. Additionally, the disputed accounts appear to have been reinserted or retained on my credit report without Experian fully complying with my lawful request. 

Their failure to respond constitutes a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests it, a consumer reporting agency must provide a description of the procedure used to verify disputed information, including the method of verification. Experian failed to describe the steps they took, the process followed, or the entities contacted, violating their statutory obligation.

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 2025-04-29 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$19000.00}

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Alert - Protest of Illegitimate Debt Account on MyCredit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : * * Creditor/Collection Agency Name : XXXX XXXX * * * * Account Number : XXXX * * * * Amount : {$2000.00} * * * * Date of Account : XX/XX/year> * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 has violated my rights.

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

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing XXXX follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant XXXX my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : * * Creditor/Collection Agency Name : XXXX XXXX XXXX * * * * Account Number : XXXX * * * * Amount : {$8900.00} * * * * Date of Account : XX/XX/year> * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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