vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX Dear XXXX XXXX XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX USC XXXX stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
regime afire are respis to this valida be rege withim le days from he date of credit tile and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
I am filing this formal complaint regarding a fraudulent collection account in the amount of {$520.00} originally tied to XXXX XXXXXXXX XXXX XXXX  This account was previously placed witXXXX XXXX XXXX XXXX XXXX XXXX and was fully removed in XX/XX/2024 after I submitted a valid Identity Theft Affidavit. In response to my prior CFPB complaint, XXXX XXXX XXXX  responded : While conducting our research we received an affidavit of Identity Theft from this consumer. As such, we have closed this account and returned it back to our client and creditor of record, XXXX XXXX. We have also forwarded the same Affidavit to XXXX XXXX for their records. 

Despite this resolution, the exact same {$520.00} debt has now reappeared under a new collection agency : Associated Credit Services , Inc . 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX This action constitutes a blatant re-aging and illegal re-reporting of fraudulent debt that was already investigated, removed, and documented. Such conduct is in direct violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) : Forbids re-aging or reinsertion of previously removed derogatory items.

15 U.S.C. 1681i ( a ) : Requires credit bureaus to conduct a reasonable reinvestigation when a consumer disputes information.

15 U.S.C. 1681m ( a ) : Requires appropriate notification and lawful basis for adverse actions resulting from suspected fraud. 

FDCPA Violations : 15 U.S.C. 1692e ( 8 ) : Prohibits communicating credit information known to be false.

15 U.S.C. 1692d & 1692f : Prohibits unfair, deceptive, or abusive collection practices which includes attempting to collect previously disputed and withdrawn fraudulent debt. 

This debt is not mine, was identified as the result of identity theft, and has already been fully disputed and resolved once. The reappearance of this item under a different agency amounts to willful noncompliance and is severely impacting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX  LMMINC open since XXXX XXXX XXXX XXXX this was sent to someone else'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX  data breach.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX Request to Remove Inaccurate Address from Credit Report. 

I have previously submitted a dispute through the FTC and provided a valid residential lease agreement as proof of my current residence at : XXXX XXXX XXXX XXXX XXXX, pa XXXX Despite this, I have received repeated responses that a government-issued ID is required. However, I must emphasize that the lease agreement is a valid legal document that proves current residency, and the Fair Credit Reporting Act ( FCRA ), under 15 U.S. Code 1681i, mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information if a consumer notifies them of inaccurate or incomplete data. 

I am again requesting that this outdated address be removed immediately from my credit report, as it is no longer accurate or relevant to my identity or credit file. Please consider the enclosed lease agreement as proof of my current address. Denying this request based on the lack of a photo ID is unreasonable and not in compliance with the FCRA, which does not stipulate a specific form of proof, but rather requires a reinvestigation based on all relevant information provided by the consumer. 

Furthermore, I want to clarify that I am not disputing the addition of my new address which is correctly reflected in my file but rather requesting the removal of outdated and no longer valid addresses that should not be associated with my current credit profile. Maintaining multiple addresses, especially ones I have not resided at in years, is not only misleading but also exposes me to potential fraud or misidentification, which can negatively impact my creditworthiness. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), Experian is required to maintain accurate and up-to-date information, and retaining obsolete addresses violates this obligation. Since you have verified my current address, there is no justifiable reason to retain the previous addresses, particularly when I've provided documentation.

According to my rights under the Fair Credit Reporting Act, I formally request the removal of the following outdated addresses from my credit file. Maintaining old, inaccurate, or unverifiable addresses violates FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Further, under FCRA 1681i ( a ), you are required to conduct a reinvestigation of disputed information and delete anything that can not be verified.

The presence of these old addresses poses a risk of identity confusion or fraud and is not relevant to my current financial profile. Please treat this as a formal dispute and reinvestigation request and confirm removal in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX Request to Remove Inaccurate Address from Credit Report. 

I have previously submitted a dispute through the FTC and provided a valid residential lease agreement as proof of my current residence at : XXXX XXXX XXXX XXXX XXXX, pa XXXX Despite this, I have received repeated responses that a government-issued ID is required. However, I must emphasize that the lease agreement is a valid legal document that proves current residency, and the Fair Credit Reporting Act ( FCRA ), under 15 U.S. Code 1681i, mandates that credit reporting agencies must conduct a reasonable reinvestigation of disputed information if a consumer notifies them of inaccurate or incomplete data. 

I am again requesting that this outdated address be removed immediately from my credit report, as it is no longer accurate or relevant to my identity or credit file. Please consider the enclosed lease agreement as proof of my current address. Denying this request based on the lack of a photo ID is unreasonable and not in compliance with the FCRA, which does not stipulate a specific form of proof, but rather requires a reinvestigation based on all relevant information provided by the consumer. 

Furthermore, I want to clarify that I am not disputing the addition of my new address which is correctly reflected in my file but rather requesting the removal of outdated and no longer valid addresses that should not be associated with my current credit profile. Maintaining multiple addresses, especially ones I have not resided at in years, is not only misleading but also exposes me to potential fraud or misidentification, which can negatively impact my creditworthiness. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), Experian is required to maintain accurate and up-to-date information, and retaining obsolete addresses violates this obligation. Since you have verified my current address, there is no justifiable reason to retain the previous addresses, particularly when I've provided documentation.

According to my rights under the Fair Credit Reporting Act, I formally request the removal of the following outdated addresses from my credit file. Maintaining old, inaccurate, or unverifiable addresses violates FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Further, under FCRA 1681i ( a ), you are required to conduct a reinvestigation of disputed information and delete anything that can not be verified.

The presence of these old addresses poses a risk of identity confusion or fraud and is not relevant to my current financial profile. Please treat this as a formal dispute and reinvestigation request and confirm removal in writing.

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 2025-05-24 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:
There are fraudulent accounts on my credit report tied to identity theft. I never authorized these transactions and havent benefited from them in any way. I took the proper steps and filed a report with the FTC, but despite that, the items are still there. Its unacceptable that Im being held responsible for someone elses actions. This has been frustrating and damaging to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/year>, I had a delinquency reported on my Navy Federal Credit Union credit card account due to the hardship the pandemic brought. Since then, I have maintained perfect payment history for over 5 years. I recently requested a goodwill adjustment from Navy Federal, considering my consistent positive payment behavior and efforts toward financial responsibility. However, I was told that they are legally unable to remove accurate information, which is misleading. I understand that while they are not required to remove accurate negative information, creditors are not prohibited from doing so as an act of goodwill. 

I believe that, given the length of time that has passed and my positive payment history, I am a strong candidate for a goodwill adjustment. This inaccurate justification provided by Navy Federal also prevents open and honest communication about legitimate resolution avenues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XX/XX/year> XXXX XXXX BANK XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Kikoff Inc.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have an account login for Experian. However I can't log in because they use a 2-step verification method and the contact information they have is wrong. I am to choose between two phone numbers... neither of the phone numbers shown are mine or chose an email well the email shown is not mine. So obviously the verification doesn't work.

I can't contact a person to correct this because they don't have human working there. I can't get into their website because the contact information they have for me is wrong. There doesn't appear to be any way to correct it.

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 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was shocked to discover that my credit report was accessed without my knowledge or permission. Inquiries were made under my name by companies Ive never dealt with, and I did not authorize any of them. I never applied for credit with these entities, and these inquiries are completely fraudulent. Its outrageous and a clear violation of my rights as a consumer. As someone who follows the law, I find this deeply insulting and unacceptable.

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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
In XX/XX/XXXX, I was enrolled in Apple Cards Temporary Credit Assistance Program, confirmed by multiple statements between XXXX and XX/XX/XXXX. I consistently made the required monthly payments of {$110.00} under this hardship plan. 

In XX/XX/XXXX, I saw a large increase in my balance due to new interest charges, even though I had made on-time payments during and after the plan. I contacted support and was told I am ineligible for additional hardship assistance because my account is current, and that I must fall past due to qualify again. 

This policy directly contradicts Apples published guidance, which says hardship plans are meant to prevent delinquency. I feel I am being penalized for staying current during hardship. I requested a manual review and re-evaluation, but was told no options are available unless I stop paying. 

I am asking for : A review of how the original hardship plan was applied An explanation of the sudden interest assessment Reconsideration of hardship eligibility without requiring delinquency Ive made all payments in good faith and am simply seeking fair support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 of 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 explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/year>XXXX  CFPB Complaint Narrative Credit Reporting I am submitting this complaint because my credit report contains multiple inaccurate accounts that continue to reflect missed payments and derogatory marks. These items have severely damaged my credit score. 

Here are the accounts I am disputing : - XXXXXXXX XXXX XXXXXXXX XXXX missed payments reported - XXXX  XXXX missed payments reported - XXXX XXXX  Closed account with XXXX missed payments - XXXX Place Closed account with 5 missed payments - XXXX XXXX  Closed account with XXXX missed payments - XXXX XXXX XXXX marked as repossession, with payment details I dispute I have already submitted disputes to the credit bureaus and/or creditors, but no proper corrections have been made. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable reporting. These accounts are either incorrect or unverifiable, and I request that they be investigated and updated or removed. 

I am asking the CFPB to assist in holding these companies accountable for reporting fair and accurate information.

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