vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: LA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX Apartments and National Credit Systems , Inc. for reporting and attempting to collect an invalid debt related to my former apartment lease. 
I resided at XXXXXXXX XXXX XXXX Apartments from XX/XX/XXXX to XX/XX/XXXX. Upon move-out, I provided a written forwarding address on my move-out notice. However, I never received any written notice, refund, or itemized list of alleged damages or charges from the property. Instead, months later, I discovered a negative collection account on my credit report from National Credit Systems, claiming I owed a balance that was never communicated or validated. 

Under Texas XXXX XXXX XXXX ( c ), a landlord must provide a tenant with a written description and itemized list of all deductions from the security deposit on or before the XXXX day after the tenant surrenders possessionassuming rent is paid and there is no rent dispute. XXXXXXXX XXXX XXXX Apartments failed to comply with this legal requirement, despite my having provided a valid forwarding address. It appears they incorrectly listed my address as XXXX XXXX, AK XXXX, which I have never resided at or used as contact information. 

After discovering the inaccurate collection account, I disputed the debt through all three major credit bureaus ( XXXX XXXX XXXX XXXX  ). However, National Credit Systems denied my disputes without providing any proof or documentation of the alleged debt. This has caused significant damage to my credit XXXX, impacted my financial stability, and created unnecessary distress over a debt that I do not owe. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure : XXXX XXXX XXXXXXXX Apartments and National Credit Systems provide full validation and documentation of the alleged debt, including the original move-out statement and itemized charges. 
If the debt can not be validated, that it is immediately deleted from all credit reports and returned to the apartment complex. 

Both parties are held accountable for their failure to comply with Texas XXXX XXXX XXXX ( c ) and for reporting inaccurate consumer information in violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, National Credit Systems failed to perform proper due diligence when verifying or reporting this debt. My lease and move-out documentation clearly identify my unit as # XXXX, yet the alleged balance reported to collections is associated with unit # XXXX, a unit I never occupied. This clear discrepancy demonstrates a lack of verification and further supports that the debt was reported inaccurately and without proper investigation or documentation. 

Supporting documentation, including my lease dates, forwarding address notice, and credit report entries, are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Klarna AB
State: MN

Complaint narrative:
XXXX a victim of identity theft. Someone opened a Klarna account using my personal information. I never applied for a Klarna installment loan account. The Klarna account thats currently in my name, is a fraudulent account, not my account and do not belong to me. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Between XXXX and XXXX, several student loan accounts serviced by the Department of Education and XXXX displayed missing or unknown ( X ) payment data in credit records. These accounts were originally established as federal student loans and remained in good standing. During that period, the accounts were in deferment or forbearance status while system transitions and a reported servicer data breach affected accurate payment reporting. 

All loans were subsequently paid in full and closed as of 2025, with XXXX remaining balance. Despite this, the credit report dated XX/XX/XXXX, continues to display prior reporting irregularities that appear as non-updated or unverifiable history codes. No delinquencies, charge-offs, or collections occurred, and all balances were resolved directly through the loan servicer. 

Corrective actions have included full repayment of the loans, verification of payoff confirmation with the Department XXXX XXXX XXXX and submission of formal disputes to remove or correct outdated and inaccurate reporting from the 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Between XXXX and XXXX, several student loan accounts serviced by the Department of Education and XXXX displayed missing or unknown ( X ) payment data in credit records. These accounts were originally established as federal student loans and remained in good standing. During that period, the accounts were in deferment or forbearance status while system transitions and a reported servicer data breach affected accurate payment reporting. 

All loans were subsequently paid in full and closed as of 2025, with XXXX remaining balance. Despite this, the credit report dated XX/XX/XXXX, continues to display prior reporting irregularities that appear as non-updated or unverifiable history codes. No delinquencies, charge-offs, or collections occurred, and all balances were resolved directly through the loan servicer. 

Corrective actions have included full repayment of the loans, verification of payoff confirmation with the Department XXXX XXXX XXXX and submission of formal disputes to remove or correct outdated and inaccurate reporting from the credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-21 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-21 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: GA

Complaint narrative:
Due to the breach, my personal and financial information may have been compromised, and I have reason to believe these accounts were affected and/or reinserted without the proper certification or notice as required under FCRA 1681i ( a ) ( 5 ) ( B ). 
The following accounts are inaccurate, unverifiable, or reinserted without proper procedure : Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5600.00} Account Name XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$260.00} Account Name : XXXX CRED Account Number : XXXXXXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1800.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5000.00} INQUIRY : XXXX XXXX XXXX XXXX XX/XX/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 2025-10-21 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 submitting this complaint to dispute inaccurate information on my credit report. The report lists XXXX CARD XXXX as a late open account with a balance of {$470.00}. Additionally, the accounts XXXX XXXXXXXX BANK XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reported as late closed accounts with a {$0.00} balance. I dispute these entries as inaccurate, incomplete, and misleading. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain maximum possible accuracy in the information reported. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] further grants consumers the right to dispute inaccurate information and requires credit bureaus to conduct a reasonable and timely reinvestigation of any disputed items, typically within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am submitting this complaint to dispute inaccurate information on my credit report. The report lists XXXX CARD XXXX as a late open account with a balance of {$470.00}. Additionally, the accounts XXXX XXXXXXXX BANK XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reported as late closed accounts with a {$0.00} balance. I dispute these entries as inaccurate, incomplete, and misleading. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain maximum possible accuracy in the information reported. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] further grants consumers the right to dispute inaccurate information and requires credit bureaus to conduct a reasonable and timely reinvestigation of any disputed items, typically within 30 days.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I have an account in Wise.com, it has been 6 days that I am trying to transfer funds to my own personal external bank ( that I have transferred to in the past from the Wise account ) There is an error message that is constantly coming up and I contacted Customer Support and they just keep telling me the issue is being worked on, but there is no supervisor to talk to ( although I requested a call back countless times and never received one!! ) At this point it is a huge loss of money for me and the issue has still not been resolved I started the transfer on XX/XX/XXXX and today is XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report. The report lists addresses that are not mine : XXXX XXXX XXXX, XXXX, NY, XXXX ; XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. Additionally, the report contains charge-off accounts : XXXX XXXXXXXX XXXX ( {$190.00} ), XXXX XXXXXXXX ( {$390.00} ), XXXX XXXX XXXXXXXX XXXX ( {$0.00} ), and a collection account : XXXX XXXX XXXX XXXX ( {$860.00} XXXX XXXX all of which I dispute as inaccurate, incomplete, or misleading. Furthermore, multiple inquiries are listed in error, including XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CARD, XXXX XXXX XXXX on various dates. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure the maximum possible accuracy of information reported. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute inaccurate information, and credit bureaus are required to conduct a reasonable and timely reinvestigation, typically within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report. The report lists addresses that are not mine : XXXX XXXX XXXX, XXXX, NY, XXXX ; XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX. Additionally, the report contains charge-off accounts : XXXX XXXXXXXX XXXX ( {$190.00} ), XXXX XXXXXXXX ( {$390.00} ), XXXX XXXX XXXXXXXX XXXX ( {$0.00} ), and a collection account : XXXX XXXX XXXX XXXX ( {$860.00} XXXX XXXX all of which I dispute as inaccurate, incomplete, or misleading. Furthermore, multiple inquiries are listed in error, including XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX CARD, XXXX XXXX XXXX on various dates. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must ensure the maximum possible accuracy of information reported. Under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute inaccurate information, and credit bureaus are required to conduct a reasonable and timely reinvestigation, typically within 30 days.

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 2025-10-21 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: NC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-21 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: NC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief