vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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:
I am disputing a collection account from my former apartment complex that is reporting an incorrect balance. The apartment is attempting to collect on a wrongful amount that I do not owe. I moved out properly, returned the keys, and was not evicted. I fulfilled my lease terms, but they continue to report charges that were either already paid or not valid. 

The apartment complex later sold the alleged debt to a third-party collection agency without providing any accurate documentation or verification of the debt. I have reached out multiple times requesting proof or clarification, but have not received a valid response. I am requesting that this collection account be investigated and removed from my credit report, as it is inaccurate and does not reflect a legitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXXn, 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 explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX EQUIFAX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX Positive Accounts : None listed for Equifax. 

Late Payments : XXXX & XXXX BANK, XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
I am a victim of Identity Theft. I was checking my credit report when I noticed a fraudulent account in my credit report. Below is the fraudulent account : XXXX XXXX - XXXX XXXX  Account XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 2025-11-05 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:
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 ] FCRA SECTION XXXX RIGHT TO PRIVACY ( 15 U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. XXXX ) Pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXX SECTION XXXXb IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. XXXXb ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
XXXXi.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
At this time, I request a true copy of a Bill of Sale pertaining to a debt purchase that XXXX XXXX XXXX claims they acquired from Synchrony Bank. If there is no Bill of Sale that can be proved on the debt ownership transfer, then the transfer of information is only an identity theft issue. FTC XXXX XXXX XXXX XXXX ( 2009 ) states in a federal district court decision, that debt transfers for collection must be proven to be 100 % accurate by an assignment of collection responsibility, or as in the case of debt-buyers by a Bill of Sale . If a Bill of Sale can not be shown, then I will file an identity theft claim against XXXX XXXX XXXX with the Federal Trade Commission. DELETE THIS TRSADELINE PERMANENTLY ON ALL CREDIT BUREAUS 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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I have requested validation of the alleged debt from the debt collector on XXXX separate occasions, each sent via certified mail with proof of delivery. To date, the debt collector has failed to provide the required documentation to validate the debt as required under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Furthermore, I have no record of any written agreement between myself and the debt collector that grants them the authority to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, I received an email from email with stating that it was possibly an adverse reaction rejecting my background check as a pharmacist. I never applied for a pharmacist technician because I am not XXXX and have never held any license. I was hired as an inbound representative, and the dispute lead, XXXX from XXXX, a First Advantage XXXX ( www.fadv.com ), reached out and asked me if I was a pharmacist, and I replied no, I have never been a pharmacist or a technician I worked in the inbound customer care refill department for XXXX XXXX and was promoted to Care XXXX my ending roll. I applied for an inbound representative position to work from home. At that time, I was advised by the lead to submit a dispute, and it could take up to 30 days. On today, XX/XX/year>, I was notified of the adverse reaction stands but could not tell me what is on my background they sent me a copy of the report with links that don't open and would not tell me over the phone what is on my link all the could say is to look at the report the report gives me a code that I do not understand XXXX XXXX and pharmacist technician license # XXXX a license that I do not know of this idenity theft. This has caused me to lose a job. XXXX sent a withdrawal letter for employment today, XX/XX/year>, because my background was incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-05 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: NV

Complaint narrative:
I am disputing the following accounts reported on my Equifax credit report. I respectfully request verification of the information and request that any unverified items be removed. 

Charged OffXX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$690.00} Inquiries No inquiries in dispute for Equifax. 

Positive No positive accounts in dispute. 

Late Payment XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My FHA Partial Claim was approved by XXXXXX/XX/XXXX on XX/XX/year>2025. After transfer to Mr. Cooper on XX/XX/year>2025, the new servicer refused to honor the approved FHA loss mitigation agreement. This violates HUD servicing transfer requirements under Handbook XXXX. I am requesting HUD require the servicer to reinstate and complete the FHA Partial Claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
DEAR MACYSXXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. XXXX ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. XXXX et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA XXXX ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA XXXX ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA XXXX ( b ) and XXXX ( b ) as well as FDCPA XXXX ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have suspicion to believe XXXX of my children 's SSN 's were used for a tax return that we did not authorise. Their SSN Identity might have been compromised. 
They are all under the age of XXXX XXXX XXXX, so I can not get a credit score/rating in their names done. 
It was advised to lay a complaint regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I moved from my previous apartment on XX/XX/year>. Prior to my move-out, the company was aware I was moving because I had turned my notice to vacate in. I was told by the property XXXX that I could pay my rent after the XXXX because the amount was wrong and needed to be adjusted to reflect my prorated charges. I made the payment of {$960.00} which is what I was told was owed. A few days prior to my move, I got a notice about eviction. I inquire as to why I was getting this letter when I had already paid and was moving. I was told by the property XXXX not to worry and she would reach out via email. This week I get a notification that I am in collections. This is not my debt. I paid my balance before I moved. The property XXXX says that it came from corporate and she cant fix it. I do have receipts. I also have emailed communication between her and I. I was sent to collections for a debt I dont owe. I havent received any other communication from this property but now this is on my credit and hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MA

Complaint narrative:
I am submitting this dispute statement for my credit report with TransUnion regarding the following charged-off accounts, inquiries, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified according to the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2400.00} MOHELA/DOFED - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$16000.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$660.00} XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$940.00} XXXX  - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX - Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$720.00} Inquiries : XXXX - Date Open : XXXX XXXX  - Date Open : XX/XX/XXXX Late Payment Accounts : XXXX - Account Number : XXXX XXXX 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 2025-11-05 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: FL

Complaint narrative:
I am submitting this dispute statement for my credit report with Equifax regarding the following charged-off accounts and inquiries. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My XXXX Bank of America checking accounts XXXX personal and XXXX business were suddenly closed on XX/XX/year>, without any prior notice or explanation. 

When I tried to log in to my online banking, I discovered that both accounts were closed, and I could no longer access my money. The funds in both accounts are still being held by the bank. 

I contacted customer service, but they did not provide a clear reason for the closures or explain when or how I would receive my remaining balance. 

The total amount held by the bank is approximately {$7100.00} from my business account and {$3000.00} from my personal account. This situation has caused me significant financial hardship because I need access to these funds for business and personal expenses. 
I am requesting that Bank of America : XXXX. Provide a written explanation for the account closures ; XXXX. Release and send me my remaining balances immediately ; XXXX. Provide written confirmation of the closure and refund process. 

Company name : Bank of America Product : Checking account ( personal and business ) Issue : Account closed without notice / funds not returned Date of issue : XX/XX/year> XXXX. Account XXXX : XXXX Routing Number : XXXX Checking XXXX. Account XXXX XXXX : XXXX Routing Number : XXXX Checking I ran out of money for everything, not even enough to put gas in my car to go to work, and not even enough to buy food. They also declined the insurance payment for my XXXX cars without notifying me. I've already sent emails, made several phone calls, and nothing. I only found out about the closure of the XXXX accounts because I couldn't see my balance and decided to talk to the virtual assistant, which also didn't help me at all. The next day I called after work and found out about the closure of the XXXX accounts. I went to the bank on Saturday the XXXX and yesterday the XXXX and nothing has been resolved. I am a very honest and correct person and I need to know what happened and I need my money urgently. 


Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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