vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account ( Account # XXXX ), which is currently being reported on my credit file. This debt is invalid and must be removed from my credit report immediately. 

The charges you are attempting to collect are fraudulent. At the time I was living at the property in question, I was a participant in the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX  The items you are trying to charge me for were listed in a failed inspection conducted by XXXX, and XXXX specifically instructed the landlord to correct these issuesnot me. 

I have documentation from XXXX clearly showing that the responsibility for repairs belonged to the landlord. I also have records proving that XXXX withheld housing assistance payments because the landlord failed to address the violations. If you review the documents your office has already sent me, they clearly show I was in the voucher program and that funds were withheld accordingly. 

Additionally, the landlord kept my full security deposit of {$1400.00}. This amount should have covered any legitimate charges, though again, I dispute that any charges were valid. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and verifiable. This account does not meet those requirements. I am demanding that you cease and desist all collection activities immediately and remove this account from all consumer reporting agencies to which it has been reported. 

If you do not remove this account from my credit report within 30 days of receipt of this letter, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Ohio Attorney General. I will also consult legal counsel and initiate a lawsuit for violations of the FCRA and any other applicable laws. 

Please send written confirmation that this account has been removed and that no further contact or collection attempts will be made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: MO

Complaint narrative:
I reject the companys response and am escalating this matter. 

While Midwest Fidelity Services admits they sent me the wrong persons drivers license, they falsely claim that the debt otherwise matches my information. This is not true. I have no association with this account, I live in Missouri not California, where the account originated. 

Their admission confirms that they sent me someone elses private government ID in violation of federal privacy standards. This is not a minor clerical error. Its an unlawful disclosure of personal information. That alone warrants federal review. 

The debt is not mine. The person in the file does not resemble me, is of a different race and background, and lives in a different state. This was a clear case of mixed file / identity misattribution. 

I demand : Immediate deletion of this account from all credit bureaus Full erasure of any records connecting me to this debt Written confirmation that my name and identifying information are no longer associated with this file I am also filing a formal complaint with the U.S. Department of Health and Human Services ( HHS ) for potential HIPAA violations, and I am prepared to take legal action under the FTC, Attorney General, the medical board, FCRA, FDCPA, and applicable state privacy laws. 

I will not tolerate being defamed by a collection agency that attaches someone elses debt and ID to my name. 

REF # XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX NOTE THE FILES UPLOADED WERE FILES SENT BY MIDWEST- THE INFORMATION IS NOT MINE - THE DOCUMENTS AND ADDRESSES DO NOT BELONG TO ME NOR HAVE THEY EVER! THIS IS A DESPERATE ACT TO COLLECTED MONEY AND DEFAME THE WRONG PERSON. THERE IS NO SUCH THING AS WHOOPSIES WHEN IT COMES TO PEOPLES PERSONAL INFORMATION - ITS FRAUD AND THE FINES ARE ARE HEAVY!!! * * * * *

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
After reviewing my credit report I noticed a fraudulent account, please investigate and remove this account from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Recently disputed National Credit Systems and XXXX. They both came back as verified but have neglected to add the last payment date. Even after multiple times of disputing, this information has been neglected to be added. This account is missing the required date of last payment, which is essential to determine the accounts accuracy and the credit reporting time frame. This omission makes the reporting incomplete and unverifiable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an auto loan/credit account that has been reported to my credit file. 

In XX/XX/year>, I purchased a vehicle that caught fire within one day of ownership due to what appeared to be a faulty electrical system. The fire posed an immediate threat to my safety and that of my passengers we could have been seriously injured or killed. This vehicle was clearly defective and should never have been sold in that condition. 

I immediately notified both the dealership and XXXX, informing them of the fire and the vehicle 's dangerous condition. Despite our report, no meaningful action was taken to address the issue or rectify the situation. I returned the vehicle, and it was no longer in my possession after that first day. I did not continue to use or benefit from the vehicle, nor was it safe to do so. 

I respectfully request that the associated account or loan be removed or corrected from my credit report. It is unfair and inaccurate to hold me responsible for a vehicle that was clearly defective, unsafe, and immediately returned. This account is causing undue harm to my credit history and financial standing. 
Please investigate this dispute and provide confirmation on any actions taken. 

Also I am the co signer for this account. On my credit report it says that I was current for the month of XXXX, XXXX, XXXX of 2022. Then I became delinquent. That information is false due to the fact the vehicle caught on fire and we did not have the vehicle no longer than XXXX. The vehicle was picked up and returned burned to the dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was victim of credit card fraud of almost XXXX XXXX and the bank never checked with the stores nor did they give me a deposit in the mean time while the investigation was on going

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 monetary relief
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am filing this complaint against Experian and XXXX for repeated misreporting, refusal to honor deferment terms, and what appears to be retaliatory conduct against me as a consumer. 

I was enrolled in school from XX/XX/XXXX to XX/XX/XXXX, and eligible for both in-school deferment and bar study deferment under my loan agreement. I notified XXXX of this deferment eligibility, submitted documentation, and followed up consistently. Despite this, they prematurely charged the account, increased my balance by over {$2000.00} in XXXX month, and continue to report the account as active and delinquent all while I should legally be in deferment status. 

I submitted formal disputes to Experian with documentation, including deferment proof and my communications. Experian failed to take action, instead allowing the misreporting to continue. Their inaction violates the Fair Credit Reporting Act ( FCRA ) and has directly harmed my credit score and financial mobility. 

While XXXX XXXX is currently under dispute, they have not yet updated or altered their tradeline but based on their past misconduct ( which includes harassment and breaching original deferment agreements ), I am including this context in anticipation of similar issues arising again. Their pattern of behavior is well-documented and has already been escalated to both the Virginia Attorney General and the CFPB separately. 

This is not a case of poor financial management. It is a case of systemic abuse by loan servicers and a credit bureau enabling them. I am currently employed, rebuilding my credit, and have a clear financial recovery strategy. These entities are undermining it through illegal and unethical conduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly.

Violation of FDCPA Attempting to collect a fraudulent debt.

Defamation & Emotional Distress Damaging my financial reputation.

Negligence Failure to verify the legitimacy of the debt before reporting. 
I demand the following actions within 30 days : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted. 
CEASE ALL COLLECTION ATTEMPTS related to these fraudulent debts. 
Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will explore civil litigation for damages caused by your reckless disregard for federal law. 
This letter serves as official notice under federal law. I expect a written response confirming the removal of these fraudulent accounts within 30 days. 




Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with XXXX XXXX. 
I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, since I was NEVER late. 
Thanks.

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