vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
CFPB Complaint : Confirmed Names 1. Management Company : Correct Name : XXXX XXXX ( not XXXX XXXXt ) Parent Company : XXXX XXXX ( XXXXbased multifamily real estate firm ) Website : XXXX XXXX 2 . Apartment Complex : Correct Name : XXXX XXXX XXXX  ( address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) Alternate Branding : Listed as XXXX XXXX  XXXX  on some platforms ( Search Result 5 ) XXXX XXXX XXXX XXXX operates XXXX XXXX XXXX as part of its Texas portfolio. Key evidence from search results : RentDebt Automated Collections Date : XX/XX/year> Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Companies Involved : 1. XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Managed by : XXXX XXXX Email : XXXX 2. RentDebt Automated Collections , LLC Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone : ( XXXX ) XXXX Complaint Details Subject : Fraudulent Debt Collection for Nonexistent Lease Agreement I am filing this complaint under the Fair Debt Collection Practices Act ( FDCPA ) 809 and Fair Credit Reporting Act ( FCRA ) 611 against RentDebt Automated Collections and XXXX XXXX XXXX XXXX  for attempting to collect a {$350.00} debt I do not owe. 
Key Facts : 1. No Lease Agreement Exists : I have never resided at XXXX XXXX XXXX XXXX  or signed any lease agreement with XXXX XXXX. 
RentDebt has failed to provide : A lease with my signature ( required under FDCPA 809 ( a ) ) Move-in/move-out documentation Itemized charges justifying the debt 2. Pattern of Unlawful Behavior : 40 % of CFPB complaints against RentDebt involve attempts to collect debts not owed ( Search Result 9 ). 
XXXX XXXX has a documented history of improper billing practices, including : Charging for pre-existing maintenance issues ( Search Result 3 ) Withholding security deposits without justification ( Search Result 10 ) 3. Credit Report Harm : This invalid debt appears on my XXXX and XXXX reports, damaging my creditworthiness. 
RentDebt continues collection activities despite my dispute, violating FCRA 611 ( a ) ( 5 ). 
Legal Violations 1. FDCPA 809 ( a ) : Failure to validate debt upon request. 
2. FCRA 611 ( a ) ( 5 ) : Reporting unverified information after dispute. 
3. CFPB Circular XXXX : Prohibits passive disputes where agencies fail to investigate. 
Requested Remedies 1. Immediate Actions : Remove this collection from all credit bureaus within 5 business days. 
Cease all collection efforts permanently. 
2. Documentation Requirements : Provide written confirmation from XXXX XXXX stating no lease existed. 
Submit proof of debt validation ( lease, inspection reports, payment history ). 
3. Financial Penalties : Refund any fees paid during this unlawful collection process. 
Compensate {$1000.00} in statutory damages under FDCPA 813.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>2025, someone hacked my phone and have access to my bank account ( bank of America ), the hacker did a fraudulent wire transfer from my account to a bank in XXXX ( XXXX Bank XXXX XXXX for the amount of {$9100.00}, during the same day XX/XX/XXXX, I did reported it to Bank of America and they proceed to freeze my account so no more money can be transferred, I requested a dispute on the fraudulent transaction and on XX/XX/XXXX the boa denied my requested giving the reason that they sent a text message on the transfer with a security XXXX, I told them that my phone was hacked and that I had no control on my phone that would allow me to be aware of the text message that would prevent that transfer to occur. On XX/XX/XXXX, I escalated the dispute with Boa, and I am waiting on their decision

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Credit Collection Services regarding an alleged debt of {$100.00} that appears on my credit report. I dispute this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX and the Fair Credit Reporting Act ( FCRA ) XXXX. 

I have no contractual relationship with Credit Collection Services. When I requested validation of this debt, including a copy of the original contract or agreement obligating me to this alleged debt, Credit Collection Services failed to provide adequate documentation as required by law. 

This collection account contains inaccurate balance information and requires immediate verification. If Credit Collection Services can not provide proof of my obligation, this item must be removed from my credit reports immediately as required by FCRA XXXX ( a ) ( XXXX ). 

My legal name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX. 

I expect Credit Collection Services to : XXXX. Cease all collection efforts on this unverified debt XXXX. Remove this collection account from all credit reporting agencies XXXX. Provide written confirmation of these actions Failure to comply with this request will result in further legal action through appropriate regulatory channels.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a complaint against these Bureaus a month ago, yet the incorrect information on my report persists. To my surprise, I have not received any communication from the Bureaus, and they have already closed my complaint. Can you clarify why my complaint was closed without addressing the issue? Have they acknowledged or verified my dispute? I require confirmation that they have thoroughly investigated the inaccuracies on my report and validated the accounts. Additionally, could you provide information on the verification methods they employed? This situation is extremely frustrating, as it has been over XXXX days since I filed the complaint, and I anticipated updates to these accounts by now. If they are not updated promptly, I will be compelled to consider legal action due to the significant stress this has caused. Furthermore, I am worried about the security of my personal data, especially in light of the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
This inquiry was made without my consent ; I did not interact with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX reported Fraud to Truist Branch XXXX XXXX XXXX on XX/XX/XXXX. Even though he was in failing health and eventually incapacitated he did provide notification to Truist XXXXdays from the statement mailing date for the Fraud Charges made on his account from XXXX. Truist is refusing to provide credit for the Fraud charges in the amount of {$31000.00} made on XXXX XXXXXXXX XXXX account even though Truist Fraud was notified on multiple occasions on XX/XX/XXXX, XX/XX/XXXX, etc. well before the XX/XX/XXXX XXXX-day timeframe. Truist was also well aware of the Fraud on XXXX XXXXXXXX XXXX account as in addition to the {$82000.00} they allowed to be fraudulent taken from XXXX XXXX XXXX  account, they denied ~ {$120000.00} in fraudulent Cash App transactions and did nothing to put a hold on the checking account or notify XXXX XXXX. XXXX XXXX subsequently passed away on 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 monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Lmm Inc, for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I have been using Wise regularly to transfer money from my bank account in XXXX to my bank account in the XXXX. Recently, I transferred money from my Turkish bank to my Wise account as usual, but then my account was suddenly frozen. 

Wise requested documents to verify my source of income, which I provided promptly. Despite submitting all the necessary documents, I later received an email informing me that my account had been closed. No detailed explanation was given. 

I believe my account was closed unfairly, even though I followed all the procedures and provided the requested information. I would like Wise to explain the reason for this closure and allow me to access my remaining funds, if any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citibank Business Account credit card was fraudulently used for ATM withdrawals and debit charges from XX/XX/XXXX to XX/XX/XXXX, despite my refusal of any authorized use to anyone and my dispute of the suspicious activity detected, in response to phone calls I received from Citibank representatives on XX/XX/XXXX and XXXX, XXXX. 
I was reassured that the account would be blocked and investigated. 
Citibank blocked the account on XX/XX/XXXX and XX/XX/XXXX, and on XX/XX/XXXX due to " suspicious activity ''. 
I do not know why the blocks were removed or how the account was reinstated. 
Or how ATM withdrawals are possible without my physical card which was in my possession and I was overseas in XXXX, XXXX during that time. 
My account was depleted ( {$520000.00} ) XXXX XXXX XXXX, XXXX ( balance {$1.00} ). 
A fraudulent check deposited on XX/XX/XXXX from XXXX Treasury made out to me was not detected by Citibank and returned until XX/XX/XXXX. 
Citibank allowed charges to continue until XX/XX/XXXX despite block placed on XX/XX/XXXX and rejecting the check, overdrawing my account {$2100.00}. 
Despite my dispute and appeal of Citibank 's decision to reject my claim for refund, I have not received a logical or satisfactory response or explanation of their failure to protect my account. 
Citibank 's response : " The activity appears to be consistent with your normal banking activities '' is absolutely false and unacceptable. It is a business account, not used for merchant debits in XXXX, NY, XXXX, XXXX XXXX XXXX, cash ATM Withdrawals. 
Obviously the history of account was not taken into consideration, nor investigated. 
I have never been or used my card at any of the locations and venues listed on the statements. 
Nobody knows my pin or security answers. 

CASE ID XXXX XXXXXXXX XXXX XXXX Citibank XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2025-03-25 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-03-25 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX BANK XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$430.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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