vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
At the time of my move-out, the property manager contacted me via email and claimed that I owed double the amount of my final months rent due to alleged property damage. They specifically mentioned damage to the carpet and wall, but never provided any documentation, photos, repair invoices, or itemized breakdown to support the charges. 

I informed the manager that I was willing to pay the standard final months rent, but I would not pay for alleged damages without proper evidence. Despite my request, the property manager insisted that the full amount be paid, yet still failed to provide any proof of the claimed damage.

Several months later, I discovered that the disputed charge was reported to a collection agency and placed on my credit report. This has negatively impacted my credit score.

I am disputing this collection as inaccurate and unverifiable, and I believe the apartment complex misrepresented the debt amount and failed to comply with debt validation and fair reporting requirements.

This action appears to violate the following : FDCPA 809 ( b ) The debt was never properly validated upon request before being reported to collections.

FCRA 623 ( a ) ( 1 ) ( A ) The apartment complex and/or collection agency furnished inaccurate or unverifiable information to the credit bureaus.

FCRA 607 ( b ) Credit reporting agencies are required to ensure maximum possible accuracy, which was not upheld given the lack of documentation and the disputed nature of the debt.

Possible GLBA privacy violations If the apartment complex shared my personal financial information with a third-party collection agency without proper consent or legal justification.

I am requesting a full investigation and removal of the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The equifax and transunion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
E * TRADE has locked me out of my personal banking account since XX/XX/year>. I am the sole account holder. I have been homeless and only recently secured housing. I need access to my own funds for a deposit and immediate expenses. I have repeatedly contacted them, and they are requiring third-party ID and refusing to provide written instructions on how to comply. This is an urgent financial hardship. 

In XX/XX/year> when I was homeless and had no where to receive a debit card my boyfriend gave me permission to link his XXXX XXXX  account to try and gain access to my funds. There was a 3 way call with XXXX XXXX to verify this but it was unsuccessful due to XXXX XXXX  not doing those types of verifications. We then unlinked the account no transfer was ever made or fund accessed. We have sent a signed letter of instruction both from my boyfriend account owner to the XXXX XXXX  account and mine. They refuse to help unless we provide his ID and bank statements I feel this is over reach and completely unfair especially since Im the sole account owner of the E * trade account in question, no transactions or withdrawals occurred and the account has been unlinked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Dispute Letter XXXX XXXX To : Bridgecrest/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX [ Date ] Bridgecrest XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX ) XXXX Subject : Formal Dispute of Remaining Balance and Charge-Off Account Ending in XXXX To Whom It May Concern, This letter is a formal dispute of the alleged {$860.00} past due balance reported for my auto loan account with Bridgecrest, originally opened on XX/XX/year>, account ending in XXXX. 

The balance in question is related to a vehicle total loss event that should have been fully covered by my GAP insurance policy, which was in effect during the time of the incident. The pandemic further disrupted communication, and your records show this account was charged off with {$21000.00} written off yet you continue to report an {$860.00} past due amount that should not legally exist.

I hereby request the following documentation : 1. Full accounting breakdown of payments made and insurance claim handling 2. Confirmation of GAP insurance coverage application to the deficiency 3. Proof that the remaining balance was properly billed and not settled via insurance 4. A copy of the 1099-C if a charge-off occurred As a consumer protected under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681e ), I demand proper validation and accurate credit reporting. If this balance was already covered or deemed uncollectible, it should be removed immediately.

Failure to comply within 30 days may result in complaints being filed with the Consumer Financial Protection Bureau, Georgia Attorney General, and Federal Trade Commission. 

Sincerely, 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 2025-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Request for Method of Verification ( MOV ) & Temporary Suppression Under FCRA Formal Demand for Reinvestigation This letter serves as my formal request under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) for a detailed Method of Verification ( MOV ) regarding specific disputed accounts on my credit report. I previously disputed these items, yet they remain on my report. I am now demanding full compliance with federal law, including the temporary suppression of these accounts while the investigation is ongoing.

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX  XXXX on XX/XX/year> under the account number ( XXXX ). This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was charged XXXX after blocking XXXX from charging my cash app and I did so through cash app and they refuse to credit my money back to the account even though I made sure I blocked the merchant since I didn't know which account the charge was coming through. The account that was charged is not my primary account that is linked to my cash app and the account that was charged is not my verified account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Identity Theft Dispute Fraudulent DCU Account ( Violation of 18 U.S. Code 1028 ) To Whom It May Concern, I am writing to formally report and dispute a fraudulent account that was opened under my name with Digital Federal Credit Union ( DCU ) and is now being pursued for debt collection. I did not authorize this account, nor did I apply for or use any financial services from DCU.

This is a case of identity theft under 18 U.S. Code 1028, which criminalizes the knowing and unauthorized use of another individuals identifying information with intent to commit unlawful activity, such as opening a credit or loan account fraudulently. 

The presence of this fraudulent DCU account and the collection attempts associated with it are causing harm to my credit and personal reputation. I request your agencys immediate intervention under the authority of the Consumer Financial Protection Act and other federal protections for identity theft victims.

I respectfully request the following actions : 1. Immediate termination of all collection efforts related to the DCU account.

2. Formal deletion of the DCU tradeline from all consumer credit reports ( XXXX XXXX XXXX XXXX  ).

3. A thorough investigation into how the account was opened using my identity without consent.

4. Written confirmation that the account is deemed fraudulent and will not be pursued further.

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 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
EverBank states they are a private bank and have their own rule refusing to release beneficiary funds until all beneficiaries sign for release. My brother is strange and won't respond or sign. All other banks have sent my 50 percent of my late Mom 's account to me regardless of my brother 's behavior. EverBank is holding the {$200000.00} total and said they would just keep it for years. It's like a absolute theft. I am my late Mom 's executor of estate. Regardless they refuse to disclose anything to me or release at least my 50 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
XX/XX/XXXX, Improper use of information not verified. Incorrect data! - XXXX on Trans union? Incorrect amount not mines XXXX saying XXXX. Other saying XXXX on Experian XX/XX/XXXX improper use of information. Never lived there. Incorrect data fail to investigate.

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 2025-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX, Improper use of information not verified. Incorrect data! - XXXX on Trans union? Incorrect amount not mines XXXX saying XXXX. Other saying XXXX on Experian XX/XX/XXXX improper use of information. Never lived there. Incorrect data fail to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that I am the victim of identity theft, and to request the immediate blocking of fraudulent information appearing in my credit report maintained by TransUnion, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ].

The following accounts were fraudulently opened and do not belong to me : Account XXXX : XXXX, XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX Dispute Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Dispute Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), hard inquiries may only be made with my explicit written or electronic consent for a permissible purpose, such as a credit application. 

Upon reviewing my credit report, I discovered the following inquiry that I did not authorize : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I respectfully request : 1. Immediate removal of this unauthorized hard inquiry from my credit report with all major credit bureaus ( XXXX XXXX XXXX XXXX  ).

2. Written confirmation of the removal for my records.

If you are unable to provide documented proof that I gave proper authorization for this inquiry, the Fair Credit Reporting Act requires that the inquiry be deleted. 

Thank you for your prompt attention to this matter. Please consider this a formal dispute and request for resolution in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Letter # 13 : U.S. Dept. of Education / Nelnet Dispute ( Incorrect Reporting of Student Loan ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/year> Department of Education / Nelnet XXXX. XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute of Incorrect Student Loan Reporting XXXX Balance Reported as Open To Whom It May Concern, I am writing to dispute the reporting of my federal student loan account ( s ) under Nelnet and the U.S. Department of Education .

The credit bureaus are currently showing these accounts as open, active, or in repayment, despite the fact that all balances are XXXX. This is factually incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that all credit information furnished be complete and accurate.

I am requesting the following : 1. Immediate correction of any entry showing a balance greater than {$0.00} 2. Reporting status be updated to Paid in Full or Closed with {$0.00} balance 3. Written confirmation that the correction has been submitted to all three credit bureaus ( XXXX XXXX XXXX ) In addition, I am prepared to provide documentation of my current loan balance status upon request. If this issue is not resolved within 30 days, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and U.S. Department of Education Ombudsman Group. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time Immediately. Thank you for your understanding and prompt action.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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

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

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

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

Company response to consumer: Closed with non-monetary relief