vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
We are submitting a formal complaint against XXXX XXXX XXXX XXXX , located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX , for failing to follow due process before sending a {$220.00} debt to a collections agency, which has negatively impacted our credit history. 

Case Details : On XX/XX/XXXX, we signed the Resident Notice of Intent to Move Out, officially notifying the apartment complex of our move. 
We moved out on XX/XX/XXXX, at XXXXXXXX XXXX, at which time we were required to sign a document providing our forwarding address for any future correspondence. 
Despite having our forwarding address, we never received any notice from the leasing office regarding an outstanding balance before the debt was sent to collections. 
We moved out of the apartment on XX/XX/XXXX, and provided our new address in writing through a document submitted to the leasing office. 
We did not receive any prior notice from the leasing office regarding an outstanding balance before the debt was sent to collections. 
The first notification we received about this debt was directly from Rent Recovery Solutions LLC, 51 days after move-out. 
The letter from Rent Recovery Solutions LLC stated that we had until XX/XX/XXXX, to respond. 
We sent a written response via XXXX on XX/XX/XXXX, requesting copies of all documents related to the debt. We have proof of delivery. 
Rent Recovery Solutions LLC responded with documentation, but failed to remove the debt from our credit report. We reiterated that the collections process should be paused until they could provide a valid agreement, a breakdown of charges, and proof of the debts validity On XX/XX/XXXX, we sent another letter requesting a resolution to the issue, after reviewing the documentation they provided, we made an offer to settle the debt for {$150.00} and the removal of this collection account from my credit report and that of my spouse, XXXX XXXX under a written agreement. 
Despite this, we never received a response to our XX/XX/XXXX, letter from REN Recovery Solutions LLC. 

Reason for Complaint : According to the Texas Property Code, Section 92.104, the landlord was required to provide us with a detailed breakdown of any charges within 30 days after our move-out date. This did not happen. Instead of being given the opportunity to resolve any outstanding balance, the debt was sent directly to collections without any prior notice. Additionally, the collections agency has failed to address our dispute properly and continues to report the debt despite our formal requests for validation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: VA

Complaint narrative:
I requested the account be remove because it was paid in full. It just came back as account was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, WA, XXXX XX/XX/year> ChexSystems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Re : Formal Dispute Regarding Verified Information on My Consumer Report To Whom It May Concern : I am writing in reference to the dispute I filed concerning inaccuracies and unverifiable information in my ChexSystems consumer report. Despite my initial request for a thorough investigation, the items in question have been returned as " verified. '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am exercising my right to request a reinvestigation and a detailed description of the verification process conducted. 
The disputed items are as follows : 1. All inquiries viewed by others Grounds for Reinvestigation : 1. Failure to Provide Verification Details : Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), ChexSystems is required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information. Please provide : The specific documents and records relied upon in verifying the disputed items.

The identity of the individuals or departments within the financial institutions that conducted the verification. 
2. Potential Violations of FCRA Standards : Unverifiable Information : If the financial institutions can not produce verifiable documentation bearing my signature or other evidence substantiating the disputed items, the information must be deleted immediately.

Failure to Meet Accuracy Standards : Information reported by ChexSystems must be both accurate and substantiated, as required by FCRA 607 ( b ).

3. Proof of Authorization : I request clear evidence of my written authorization permitting the financial institutions to report the disputed information to ChexSystems. Without my explicit consent, the reporting of such data violates FCRA 603 ( d ).

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 2025-04-02 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
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 non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NM

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXXXXXX XXXX XXXX falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. 

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX  I deposited XXXX money orders from XXXX XXXX of {$500.00} each into my personal Bank of America account, totaling {$7500.00}. Out of that amount, only {$1500.00} was made available in my account. The remaining {$6000.00} was placed on hold ( frozen ) without any clear explanation, and shortly after, my account was closed without prior notice or proper justification. 

Since then, I have made numerous attempts to get information about the situation. I have called customer service multiple times and visited local branches, where even employees have tried contacting internal departments without success. No one has been able to provide a reason for the funds being frozen or when they will be released. It has now been over two months, and I have received no resolution or formal response from the bank. 

I want to emphasize that this money represents my personal savings, and this situation has caused me significant financial stress. I find it unacceptable for a banking institution to retain my funds without a transparent process or an effective communication channel to resolve the issue. 

I am requesting the immediate release of the {$6000.00} that has been frozen, along with a formal written explanation regarding the reason for the hold and the closure of my account. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-04-01 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: I.C. System, Inc.
State: MI

Complaint narrative:
Today, I got an email from XXXX to check my credit report due to a new action taken today and thought it was part of my mortgage process ( I am currently trying to buy a home ), but when I looked, it was a collections company IC System fraudulently putting a collection notice on my credit file for XXXX who fraudulently told them I opened an account with them in XXXX XXXX, MI ( XXXX XXXX XXXX XXXX XXXX XXXX. I have NEVER been there, didn't open an account, have no XXXX account now or in the past, and never gave anyone my name and social security number to open ANY accounts on my behalf. XXXX and IC System will not take this ID theft off my credit report and now my housing is in jeopardy! I'm trying to close on this house and IC System says to pay this criminal 's bill but that won't take it off my credit report and XXXX offered for me to pay for a premium service. This is insanity. I don't understand how I can't even pay a phone bill without my phone getting a texted PIN to verify me, but some criminal can rack up years of debt in my name without have to verify themselves! To get me off the customer service line, XXXX advised me to report this to the FTC and they directed me here. What can you do about this fraud?

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 2025-04-02 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: OH

Complaint narrative:
I am submitting this formal complaint due to willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS Code 6050P by one or more credit reporting agencies ( Experian, Equifax, TransUnion ) and their associated data furnishers. 

I am a documented victim of identity theft, supported by FTC Identity Theft Report # XXXX ( attached ). Despite submitting the proper documentation and disputes to the credit bureaus, fraudulent accounts and inaccurate public records remain on my credit report, which has caused irreparable financial harm, stress, and reputational damage. 
ISSUES I AM REPORTING INCLUDE : Failure to Remove Fraudulent Accounts and Inquiries Numerous accounts were fraudulently opened in my name, including credit cards, auto loans, and installment accounts. Despite notice and documentation, the credit bureaus have failed to permanently remove these items in violation of : FCRA 1681c-2 Duty to block identity theft-related information within 4 business days FCRA 1681e ( b ) Obligation to report only accurate data FCRA 1681i ( a ) Duty to reinvestigate disputed items within 30 days Illegally Reported XXXX  XXXX Bankruptcy ( Ref : XXXX ) A bankruptcy was falsely reported under my identity. I did not file for bankruptcy and have provided proof of fraud. This is a major violation of the FCRA and a clear failure to ensure maximum possible accuracy. 

Continued Reporting of Charged-Off and Cancelled Debt Certain creditors and debt buyers ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have reported charged-off balances and/or filed Form 1099-C to the IRS, indicating debt cancellation. Under : IRS 26 U.S.C. 6050P FCRA 1681e ( b ) and 1681s-2 ( b ) FDCPA 1692e ( 2 ) ( A ) These debts must no longer be reported as active or with balances. Doing so misrepresents the status of the debt and violates federal law. 

Inaccurate Reporting of Employment and Address Information Several employers and addresses that do not belong to me are being reported and have not been removed, even after multiple disputes.

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 2025-04-02 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: OH

Complaint narrative:
I am submitting this formal complaint due to willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS Code 6050P by one or more credit reporting agencies ( Experian, Equifax, TransUnion ) and their associated data furnishers. 

I am a documented victim of identity theft, supported by FTC Identity Theft Report # XXXX ( attached ). Despite submitting the proper documentation and disputes to the credit bureaus, fraudulent accounts and inaccurate public records remain on my credit report, which has caused irreparable financial harm, stress, and reputational damage. 
ISSUES I AM REPORTING INCLUDE : Failure to Remove Fraudulent Accounts and Inquiries Numerous accounts were fraudulently opened in my name, including credit cards, auto loans, and installment accounts. Despite notice and documentation, the credit bureaus have failed to permanently remove these items in violation of : FCRA 1681c-2 Duty to block identity theft-related information within 4 business days FCRA 1681e ( b ) Obligation to report only accurate data FCRA 1681i ( a ) Duty to reinvestigate disputed items within 30 days Illegally Reported XXXX  XXXX Bankruptcy ( Ref : XXXX ) A bankruptcy was falsely reported under my identity. I did not file for bankruptcy and have provided proof of fraud. This is a major violation of the FCRA and a clear failure to ensure maximum possible accuracy. 

Continued Reporting of Charged-Off and Cancelled Debt Certain creditors and debt buyers ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have reported charged-off balances and/or filed Form 1099-C to the IRS, indicating debt cancellation. Under : IRS 26 U.S.C. 6050P FCRA 1681e ( b ) and 1681s-2 ( b ) FDCPA 1692e ( 2 ) ( A ) These debts must no longer be reported as active or with balances. Doing so misrepresents the status of the debt and violates federal law. 

Inaccurate Reporting of Employment and Address Information Several employers and addresses that do not belong to me are being reported and have not been removed, even after multiple disputes.

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 2025-04-01 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 am submitting this formal complaint due to willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and IRS Code 6050P by one or more credit reporting agencies ( Experian, Equifax, TransUnion ) and their associated data furnishers. 

I am a documented victim of identity theft, supported by FTC Identity Theft Report # XXXX ( attached ). Despite submitting the proper documentation and disputes to the credit bureaus, fraudulent accounts and inaccurate public records remain on my credit report, which has caused irreparable financial harm, stress, and reputational damage. 
ISSUES I AM REPORTING INCLUDE : Failure to Remove Fraudulent Accounts and Inquiries Numerous accounts were fraudulently opened in my name, including credit cards, auto loans, and installment accounts. Despite notice and documentation, the credit bureaus have failed to permanently remove these items in violation of : FCRA 1681c-2 Duty to block identity theft-related information within 4 business days FCRA 1681e ( b ) Obligation to report only accurate data FCRA 1681i ( a ) Duty to reinvestigate disputed items within 30 days Illegally Reported XXXX  XXXX Bankruptcy ( Ref : XXXX ) A bankruptcy was falsely reported under my identity. I did not file for bankruptcy and have provided proof of fraud. This is a major violation of the FCRA and a clear failure to ensure maximum possible accuracy. 

Continued Reporting of Charged-Off and Cancelled Debt Certain creditors and debt buyers ( e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX have reported charged-off balances and/or filed Form 1099-C to the IRS, indicating debt cancellation. Under : IRS 26 U.S.C. 6050P FCRA 1681e ( b ) and 1681s-2 ( b ) FDCPA 1692e ( 2 ) ( A ) These debts must no longer be reported as active or with balances. Doing so misrepresents the status of the debt and violates federal law. 

Inaccurate Reporting of Employment and Address Information Several employers and addresses that do not belong to me are being reported and have not been removed, even after multiple disputes.

Company response to consumer: Closed with non-monetary relief