vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Three years ago, I moved from an apartment ( MO ) to a home in a different state ( TX ). I completely cleaned and steamed the entire apartment, took pictures, and performed a walk through with the maintenance staff prior to turning over the keys and leaving. Over a month later, I received a letter stating that I owed {$2000.00} in damages and that's the walls needed to be repainted and carpets replaced. I only lived there for 3 years, so that didn't seem right to me. I requested proof and the apartment management company ( XXXX ) sent photos of the wrong apartment including the front door showing the wrong apartment number, which was clearly not mine. I also still have my photos that I took. I responded with my evidence as well as notifying them of the cleaning I did, but they would not budge in their stance and demanded payment. 

I wound up getting a lawyer and worked with him to draft a demand letter that this be dropped based on the reasons above, and they simply ignored it. 3 months later the " debt '' was sold to a collection agency and I challenged them as well via credit bureaus. The disputes failed as all the collection agency did was provide the lease agreement i signed with the apartment years ago. The lawyer states there isn't much I can do, as taking this to court would be more costly than the {$2000.00} debt itself, however my credit is taking a severe hit for this. I looked up how to deal with this situation and discovered 4 things : 1. The apartment damage letter should have been sent with 30 days according to the state law where the apt is located. So this alone should render it null and void, which was communicated to the apt via the demand letter.

2. The debt should be invalid as it wasn't even my apartment. I lived in XXXX XXXX XXXX, they provided photos of XXXX XXXX 2012. Their photos also still did not provide damages totaling nearly {$2000.00}, even though it wasnt my apartment. 

3. The apartment company sold the debt while it was still in dispute, which should be unlawful and illegal.

4. My security deposit was and still is being withheld unlawfully. 

I have been stuck holding the bill ( and negative credit event ) for someone else 's actions. The collections agency also will not talk to me since I had legal representation... any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security XXXX XXXX. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the validity of the debt you allege I owe and to highlight several violations of consumer protection laws in your collection practices. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX  XXXX - XXXX * * * * XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  I request that you provide full validation as required under 12 CFR 1006.34 ( b ) ( 5 ). This includes the original creditors name, the account number, the total amount allegedly owed, and a detailed breakdown of all charges, fees, and interest. Additionally, I request a copy of the purchase agreement between the collection agency and the original creditor to verify the legitimacy of your claim. I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these issues. 

Furthermore, I am revoking your authorization to contact me via email, phone, or text message. All communication must be in writing going forward. Your failure to provide me with a reasonable opportunity to dispute this debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ), constitutes a violation of my rights. Moreover, your collection methods have been deceptive and lack the legally required disclosures. It is also unlawful for [ creditor_name ] to furnish information to consumer reporting agencies without providing the appropriate disclosures as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Automotive Management Services, Inc.
State: NC

Complaint narrative:
Due to losing my job i was unable to pay every 2 weeks. I asked could i refinance my loan for the car and pay as much as XXXX due to never being late for the XXXX years ive had the car. they said they werent able to make changes like that and my only option was to pay the whole XXXX at the beginning of the month or would be charged a late fee every 3 days. I decided to turn the car back in due to not wanting to get it repossessed. After the down payment was made. I was not provided with a adverse of action letter :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I was told I was buying a vehicle for {$24000.00}, but the actual loan amount ended up being over {$42000.00} once the paperwork was finalized. I never would have agreed to these terms had I known upfront. Ive been making {$200.00} weekly payments to stay afloat because the full $ XXXXmonth is too much. 

Ive asked for a full breakdown of how the balance got so high, and they havent provided a clear explanation or proof of the debt. Now Im being harassed with non-stop calls and threats of repossession, even though Ive been paying consistently.

Im disputing the loan amount and request that all repossession and collection activity be paused until this matter is fully reviewed and the debt is validated.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In branch banker accidentally applied for wrong product/credit card. I chose Chase Freedom XXXX, he somehow selected freedom XXXX instead. Was approved. When I noticed his error he said he would get it corrected. Eventually they closed the account so we could apply for the correct one, which I was approved for. Meanwhile I have a closed account on my file due to his error and an additional inquiry. I never wanted this card, and his error created an unnecessary account opening and closure. Chase was unable to have the error removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: AR

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7800.00} XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX ) XXXX * XXXX XXXX XXXX Balance : {$370.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-04-30 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: MI

Complaint narrative:
Recently I submitted a complaint about XXXX XXXX XXXX. The reporting of my information is incorrect. The credit report does not reflect the information on the contract that was presented. The credit report clearly shows that I made payments consecutively yet this company reported that I made XXXX payments while they ommitted important date information on my credit report that would reflect a positive result. This hurts my chances to show that I am consistent in making payments and This company never sent proof of a contract where I agreed to pay the amounts on the credit report as indicated. Also the last payment made and the date of deliquincy are a day apart... how is it possible to be late on a payment that you made the day before? 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : which specifically states that a person must not furnish information to a credit reporting agency ( CRA ) if they know or should reasonably believe that the information is inaccurate. 



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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 2025-04-30 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: MI

Complaint narrative:
Recently I submitted a complaint about XXXX XXXX XXXX. The reporting of my information is incorrect. The credit report does not reflect the information on the contract that was presented. The credit report clearly shows that I made payments consecutively yet this company reported that I made XXXX payments while they ommitted important date information on my credit report that would reflect a positive result. This hurts my chances to show that I am consistent in making payments and This company never sent proof of a contract where I agreed to pay the amounts on the credit report as indicated. Also the last payment made and the date of deliquincy are a day apart... how is it possible to be late on a payment that you made the day before? 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : which specifically states that a person must not furnish information to a credit reporting agency ( CRA ) if they know or should reasonably believe that the information is inaccurate. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MI

Complaint narrative:
Recently I submitted a complaint about XXXX XXXX XXXX. The reporting of my information is incorrect. The credit report does not reflect the information on the contract that was presented. The credit report clearly shows that I made payments consecutively yet this company reported that I made XXXX payments while they ommitted important date information on my credit report that would reflect a positive result. This hurts my chances to show that I am consistent in making payments and This company never sent proof of a contract where I agreed to pay the amounts on the credit report as indicated. Also the last payment made and the date of deliquincy are a day apart... how is it possible to be late on a payment that you made the day before? 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : which specifically states that a person must not furnish information to a credit reporting agency ( CRA ) if they know or should reasonably 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 2025-04-30 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00}

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 2025-04-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account with XXXX XXXX XXXX XXXX opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent item. I do not recognize this account as reported. This item appearing on my consumer credit report was not opened, made, or initiated by me and is the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX  ) as proof from the U.S. Federal Trade Commission that the aforementioned consumer credit account is 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 non-monetary relief
Consumer complaint received 2025-04-30 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 reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain credit

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 2025-04-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a loan account with XXXX XXXX opened on XX/XX/XXXX, a loan account with XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX  XXXX  opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TX

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 explanation
Consumer complaint received 2025-04-30 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 filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX under the account number ( XXXX ), an individual account opened at XXXX XXXX on XXXX XXXX under the account under ( XXXX ), an Individual account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX under the account number ( XXXX ) XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2600.00}

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