vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
The false debt collection letter was from National Credit Systems , Inc and XXXX XXXX XXXX XXXX XXXX  / XXXX : I ABSOLUTELY AND TOTALLY DISPUTE ALL OF THIS {$1100.00} letter-stated debt from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX! 
I DO NOT OWE XXXX XXXX XXXX XXXX XXXXXXXX / XXXX ANY DEBT! 

What is the ABSOLUTE PROOF of this {$1100.00} letter-stated debt? 
I request ABSOLUTE PROOF OF THE VALIDITY of this {$1100.00} letter-stated debt? 

I have not received any itemized written bill ( s ) and any other written bill ( s ) and any other written correspondence including any letters or statements from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Actually, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OWE ME {$1200.00} for NOT REFUNDING my Legal Security Deposit after moving out over Eight ( 8 ) months ago from XXXX XXXX! 
I moved out on XX/XX/year>. 

California has strict rules about tenant security deposits that all landlords and property managers MUST FOLLOW. ( Civil Code Section 1950.5. ) Within 21 days after move-out, the landlord must send the tenant an itemized statement explaining in detail any deductions from the security deposit ( unless they total less than {$120.00} ), AND RETURN THE REST OF THE DEPOSIT! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has completely IGNORED my previous requests and demands without giving any reason or explanation whatsoever for why XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is EVASIVE about my requests and demands about my legal security deposit refund! 

Since XXXX XXXX XXXX XXXX XXXXXXXX / XXXX has not responded, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has forfeited any deductions from my legal security deposit refund and I will DISPUTE ANY DEDUCTIONS! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has stolen my legal Security Deposit and should be held legally accountable by the State of California law enforcement and the XXXX XXXX XXXX law enforcement and the XXXX XXXX XXXX Sheriff for committing theft and breaking the law! 

XXXX XXXX XXXX XXXXXXXX XXXX / XXXX has my current address since I delivered in person multiple letters with my current address demanding my legal Security Deposit refund. 

In my response to this debt collector, I have attached written copies of this letter and receipts and other information for my payments to XXXX XXXX XXXX XXXX XXXX / XXXX while living in XXXX XXXX. And my response was sent by Certified Mail with a return receipt. 
I have not received any response from this debt collector yet. 

Since I have already submitted written receipts and other information to this debt collector, I am not submitting any further documents at this time. 
I will submit them later if necessary. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX My former apartment is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

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

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally address a violation found in my Experian credit profile. I would like to highlight the case * * Miller v. Experian Information Solutions , Inc. * *, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which established that failing to correct or delete inaccurate information after an investigation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

This complaint serves as a demand for the removal of the disputed account ending in XXXX by company police and XXXX XXXX XXXX XXXX. In accordance with the FCRA, specifically under 15 U.S. Code 1681s-2 ( b ) ( E ). if an item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the credit reporting agency must promptly take one of the following actions : 1. Modify that item of information ; 2. Delete that item of information ; or 3. Permanently block the reporting of that item of information. 

As evidenced in the attached document from XXXX, the XXXX XXXX XXXX XXXX account ending in XXXX has been deleted from my XXXX  credit report following an investigation prompted by my dispute. Since the same furnisher is involved, it is unreasonable for Experian to report differing information from what is shown on XXXX. 

I request that the CFPB investigate this matter and ensure that Experian complies with the law by removing the inaccurate information from my credit profile. I also seek confirmation that appropriate actions have been taken regarding this issue. 

Thank you for your attention to 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 explanation
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
The account listed below contains critical inconsistencies across bureaus, which make it unreliable, unverifiable, and harmful to my credit profile Im reaching out to dispute inaccurate information showing on my credit report regarding a XXXX XXXX account. Ive reviewed the reports from all three credit bureaus, and this account is showing different information each time. I have identified several mishaps across the three credit bureaus that violate the Fair Credit Reporting Act FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I filed a dispute with AMEX. 
They declined it because they want documentation showing the purchase was unsafe prior to buying it. 
How am I supposed to provide documentation showing it was unsafe? 
I was not aware until after the purchase. This is why I filed the dispute. AMEX is not protecting me as the customer and allowing fraud merchants to recive payment for unsafe goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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

Complaint narrative:
I am submitting this complaint with complete confidence and growing frustration. My credit report contains multiple errors that are seriously affecting my financial well-being. These inaccuracies are not only damaging my credit score but also preventing me from moving forward toward financial stability.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2025-07-07 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Case Id # XXXX Date of incident : XX/XX/ I bought XXXX on the Robinhood platform several times and sent it to my XXXX XXXX address on another platform. I had accumulated more than {$4300.00} worth of bitcoin  and decided to go ahead and send it back to Robinhood in one transaction because I wanted to do something different with it. To transfer it back, I simply used the same address to send it back to Robinhood that was used when I sent it from Robinhood. The XXXX never showed up and upon contacting Robinhood support and providing all the info requested of them I was eventually informed that I sent the bitcoin  to Robinhood 's operational account instead of my personal account and therefore they would not be returning any of it. They said bitcoin is a person to person transaction and that if I sent it to the wrong address its irreversible. I asked them, why is it not a person to person transaction then when I sent it out? That means that when I go to send out my bitcoin to someone, they are essentially intercepting it and sending it to their " operational account '' first, and then sending it out from there. But when I sent it back to the same " operational account '' address, I am told that, even though they are acknowledging that it was sent to Robinhood 's operational account and acknowledging the amount that was received, they will not be returning any of it to my personal account! They are telling me that since bitcoin is a non-physical transaction it can't be recovered. Almost ALL transactions period, are non-physical! When I deposited money from my bank account into Robinhood nobody carried over a handful of money from the bank to Robinhood!! It was also a non-physical transaction. The fact is that the $ XXXX value is in their operational account and it has not just disappeared into nothingness. It was just sent to a nameless unknown address, THEY ACKNOWLEDGED what happened and where this went. So who gets to keep it now? Its there, they just have a non regulated and legal way apparently to literally steal someone's money! If I see money falling off an XXXX XXXX, am I allowed to grab it and take it home and then when someone shows up to get it I tell them, " ya {$4300.00} fell off of there, but I deposited in my bank and its now non physical, so sorry about your luck, '' is this legal? Or does it make any sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Between XXXX and XX/XX/year>, Wells Fargo reported five late payments on my closed credit card account ending in XXXX. I made multiple attempts during that time to pay {$87.00} each month using my XXXX debit card, but due to a processing or authorization error, those payments failed without my knowledge. I was unaware they had not gone through until late in the process. Once discovered, I immediately resolved the balance and the account was paid in full and closed in good standing in XX/XX/year>. 

I submitted a goodwill adjustment request to Wells Fargo explaining the circumstances and included supporting documentation of the failed payment attempts. Despite this, Wells Fargo continues to report the late marks as accurate. However, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), furnishers are required to report information with maximum possible accuracy. Wells Fargo is refusing to acknowledge critical context and evidence that proves these late marks were not intentional or due to financial irresponsibility.

These late marks are negatively affecting my credit despite the account being closed in good standing, the issue being caused by technical error, and my responsible handling of all other obligations. I am requesting the CFPB to intervene and review this matter so that Wells Fargo is instructed to remove or adjust the reporting accordingly.

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 2025-07-07 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: SC

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Account Number : XXXX I have no knowledge of this account and never provided authorization for this creditor to access or report information regarding any loan or debt obligation in my name.

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 2025-07-07 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: IL

Complaint narrative:
The credit reporting agencies may not have removed the charge-off because they rely on data furnished by creditors and claim it was verified. However, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable reinvestigation of disputed information. If the furnisher does not provide proper documentation proving the accounts accuracy and permissible purpose under 1681b, the bureau must delete it. Failure to do so violates both 1681i and 1681e ( b ), which requires maximum accuracy. If they continue reporting unverifiable or inaccurate data, they are in direct violation of federal law.

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

Complaint narrative:
The credit reporting agencies may not have removed the charge-off because they rely on data furnished by creditors and claim it was verified. However, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable reinvestigation of disputed information. If the furnisher does not provide proper documentation proving the accounts accuracy and permissible purpose under 1681b, the bureau must delete it. Failure to do so violates both 1681i and 1681e ( b ), which requires maximum accuracy. If they continue reporting unverifiable or inaccurate data, they are in direct violation of federal law.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation