vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and unlawful debt reported by XXXX XXXX XXXX ( XXXX ) on my credit report in the amount of {$14000.00}. This debt is being inaccurately reported as an open account, which is a clear violation of FCRA compliance. This misclassification creates a false and misleading impression of the debt status and must be corrected immediately. 

Background and Prior Dispute History : On XX/XX/2024, I first noticed this collection account on my credit report. I immediately contacted XXXX and received a letter on their letterhead stating the alleged debt amount of {$14000.00}. 
On XX/XX/2024, I contacted XXXX again regarding the inaccurate reporting. Despite my request, no changes were made, and I was instructed to submit a complaint online. 
In response, I filed a formal dispute through XXXX XXXX XXXX and with the Consumer Financial Protection Bureau ( CFPB ). 

As of today, this inaccurate and unverifiable debt remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-24 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: GA

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 2025-03-24 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: PA

Complaint narrative:
I have recently received a copy of my credit report and noticed that I had some fraudulent accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
I am writing to formally request the removal of the tradeline listed on my credit report. It has come to my attention that this account is not being reported with the maximum possible accuracy.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I received a letter from Synchrony XXXX XXXX XXXX me a settlement on an outstanding debt. I immediately called and took the offer. Total debt was {$2100.00}, offer to clear debt {$750.00} of which I authorized the agent to take from payment option I had on file. 
XX/XX/year> received the settlement offer stating the agreed upon terms. All of which I fulfilled. 
XX/XX/year> I received an email statement with a balance due of {$1300.00} with a minimum payment of {$46.00} due by XX/XX/year>. 
Therefore by sending me a bill for other than {$0.00} Synchrony XXXX XXXX XXXX in breech of contract. When I called I just get the run around that that was an auto generated bill. Never giving me a truthful answer.

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 2025-03-24 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to 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 non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Dear Eastern Account System I am writing in response to your recent communication regarding a debt you claim I owe, specifically account number [ Account Number ]. I am requesting that you validate this debt within 30 days of this letter. 
Please provide me with the following documentation to validate this debt : A copy of the original contract or agreement : I signed with the original creditor, including the terms and conditions of the agreement. 
Proof that the debt was assigned or sold to your agency, including the date of assignment or sale and the name of the original creditor. 
An itemized statement showing the amount owed, including all charges, payments, and credits. 
The name and address of the original creditor. 
I understand that you are a debt collector and that I have the right to dispute this debt. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that you cease all collection activities until you have provided the requested documentation and validated the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Re : XXXX, XXXX, XXXX Company has violated my rights re : Under the Americans with Disabilities Act ( ADA ) 42 U.S.C. 12101 et seq., individuals with XXXX have the right to receive communications in an accessible format, including electronic communication, as a reasonable accommodation. The ADA Title III ( 42 U.S.C. 12182 ) and 28 C.F.R. 36.303 ( c ) require businesses, including debt collectors and credit reporting agencies, to provide effective communication methods for individuals with 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 2025-03-24 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
We leased an apartment from XXXX ( The XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) in XXXX Texas and when our lease expired we paid all our rent and utilities in full. The company wanted us to extend our lease and gave us incentives to do so but we refused every offer. We had the apartment professionally cleaned before we left. That was XX/XX/year>. This very day according to our credit reports, XXXX reported a balance the a collections agency. There were no balances when we left. We found out later that it was a charge placed on us to repaint the apartment. My wife didn't want any conflict, we paid the collection agency. we had tried to pay it on the XXXX portal but we couldn't access the portal. Even though we paid them, they still put it on our credit reports and I have requested that they remove it but they refuse to. This was a malicious act by a landlord to punish us for not renewing our lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Account Charges for Mattress Firm Purchase To Whom It May Concern, I am writing to formally dispute the recent charges and account adjustments applied to my Synchrony Bank account related to my purchase at Mattress Firm. Below are the relevant details : Date of Purchase : XX/XX/XXXX Merchant : Mattress Firm Purchase Amount : {$1100.00} Account Ending : XXXX Upon reviewing my XX/XX/XXXX, statement, I noted a remaining balance of {$420.00}. However, by XX/XX/XXXX, my balance inexplicably increased to {$1000.00}, a significant and unjustified jump. Synchrony Bank has indicated this adjustment is due to deferred interest for not paying off the balance within 24 months. Nevertheless, I have requested complete documentation, including all statements from the date of purchase and a signed copy of my contract, to validate this claim. To date, I have been informed that neither is available. This lack of documentation constitutes a violation of my rights as a consumer. 

Under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute billing errors and receive timely responses with proper documentation. Synchrony Bank has failed to provide the legally required documentation to justify the charges imposed on my account. 

I am demanding the following immediate corrective actions : A full refund of the unjustified charges and accrued interest added to my account. 

Correction of my remaining balance to accurately reflect legitimate charges. 

Removal of any late payment reports from my credit report that resulted from these incorrect charges. 

I expect a formal written response within 15 business days from the date of this letter, detailing the actions you have taken to resolve this matter. Failure to comply within this timeframe will leave me with no choice but to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant consumer protection agencies. Additionally, I reserve the right to seek legal recourse to protect my financial interests. 

This situation has caused undue stress and poses a significant risk to my credit standing. I trust Synchrony Bank will act in good faith to rectify this matter promptly. 

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 explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: NJ

Complaint narrative:
I am filing this complaint against an unknown debt collector who acquired my {$2900.00} consumer installment loan ( XXXX XXXX. XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), categorized as Other debt because its a personal installment loan, not a payday loan or other listed type. In XX/XX/year>, the collector contacted me by phone, claiming I owe a debt from the loan ( originally {$2900.00}, with a 167.7113 % APR, Total of Payments {$10000.00} ). Ive paid {$500.00} toward the loan, leaving a claimed balance of {$9800.00}.

The collector didnt send a written validation notice ( via letter, email, or text ) within five days of initial contact, as required by the FDCPA ( 15 USC 1692g ( a ) ). They also failed to identify themselves during the call ( e.g., company name ), violating 15 USC 1692e ( 11 ). Without their identity or a validation notice, I cant verify the debts legitimacy or dispute it properly. During the call, they threatened to sue me and block my bank accounts, which are illegal threats without a court judgment ( violating 15 USC 1692e ( 4 ) - ( 5 ) ) and suggest financial harm that could damage my credit. On [ insert date, e.g., XX/XX/year> ], I sent a written validation request and cease communication letter to XXXX XXXX XXXX XXXXXXXX ( who sold the debt ), asking them to forward it to the collector, as I dont have their identity. Ive received no response, and they continue collection efforts, further violating 15 USC 1692g ( b ). Im attaching [ call logs, screenshots, or notes from the call, if available ], the validation request letter, and certified mail receipt.

The underlying debt may be invalid, as the 167.7113 % APR violates NJ usury laws ( N.J. Stat. Ann. 31:1-1, 16 % cap ; 2C:21-19, 30 % criminal usury ), which Ive addressed in a separate CFPB complaint against XXXX XXXX XXXX XXXXXXXX under Personal Loan . The collectors actions are deceptive under the NJ Consumer Fraud Act ( N.J. Stat. Ann. 56:8-2 ).

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 2025-03-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: IN

Complaint narrative:
I am writing to formally dispute certain account information reported in my credit file, as it is inaccurate and misleading. Please consider this letter my official dispute as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. 

Account Information in Dispute : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above-referenced accounts contain inaccurate information, which I believe has resulted from a data breach affecting XXXX, as highlighted by case law establishing that consumers deserve accurate credit reporting under the FCRA. Furthermore, inaccuracies can lead to violations of the Fair Debt Collection Practices Act ( FDCPA ), reinforcing my right to a fair assessment of my credit history.

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 2025-03-24 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: IN

Complaint narrative:
I am writing to formally dispute certain account information reported in my credit file, as it is inaccurate and misleading. Please consider this letter my official dispute as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x.

Account Information in Dispute : Account Name : XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} Account Name : XXXXXXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : AFFIRM XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} The above-referenced accounts contain inaccurate information, which I believe has resulted from a data breach affecting Equifax, as highlighted by case law establishing that consumers deserve accurate credit reporting under the FCRA. Furthermore, inaccuracies can lead to violations of the Fair Debt Collection Practices Act ( FDCPA ), reinforcing my right to a fair assessment of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CO

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 explanation
Consumer complaint received 2025-03-24 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: CO

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