vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I recently found out through XXXX XXXX that a medical bill in my name had been sent to CMRE Financial Services for collections. I was never notified by CMRE prior to this discovery I did not receive any written notice, phone call, or email informing me about this collection account. 

Once I learned of the situation, I contacted CMRE directly to understand the details and request proof of the debt. However, I was not provided with full documentation or validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The alleged amount is approximately {$1900.00}. XXXX XXXX is the original provider. 

I am requesting that CMRE provide full validation of the debt or remove any collection activity and credit reporting associated with this account, as I was never properly notified or given an opportunity to verify or dispute the debt before it was placed for collection.

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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please help me with this because I have tried so many times already to delete this and resolve this with the credit bureaus and i need help. 

CREDIT COLLECTION SERV - 9 this is for an unknown creditor and I don't understand how this is reporting without having. full and complete information. this is a huge violation of my rights as a consumer and i need this corrected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I'm writing to dispute an incorrect late payment entry on my credit report regarding my Ed financial loan with Financial Aid.

The report shows that I missed one payment on XX/XX/XXXX, but this information is inaccurate. The loan was in an approved deferment status during that period, meaning no payment was due. 
Therefore, the account should not have been reported as late or delinquent. I called the ED financial and deferred the payments until XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$520.00} Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Formal Notice of Lawful Request for Verification and Compliance Account No. XXXX Dear XXXX XXXX XXXX XXXX XXXX Department, This letter serves as an official notice regarding the above-referenced account as reported to one or more consumer reporting agencies. 
XXXX XXXX is not disputing this account. He is exercising his lawful right to request and receive verifiable documentation under federal consumer protection laws, ensuring all data furnished to the credit bureaus is accurate, complete, and legally substantiated. 

Your company continues to report this account as charged-off, with a balance of {$2600.00} and a written-off amount of {$26000.00}, which has a material impact on XXXX XXXX credit profile. As such, XXXX XXXX XXXX XXXX is hereby required to provide the following information without delay : 1. The exact Date of First Delinquency ( DOFD ) as recorded by the original creditor.

2. The Date of Last Payment made on the account. 
3. The Date of XXXX and a full explanation of the financial terms surrounding it. 
4. The Complete Chain of Title detailing every assignment, transfer, or sale of this account, including any contracts, purchase agreements, or documentation showing XXXX XXXX XXXX legal standing to collect or report on this debt. 
5. Account-Level Documents a complete and legible copy of the original signed agreement, contract, or promissory note binding XXXX XXXX to this alleged obligation. 
This request is made pursuant to : 15 U.S.C. 1681g & 1681s-2 ( Fair Credit Reporting Act ), and 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ).

Failure to produce the requested documentation within 15 days of receipt of this letter may constitute willful noncompliance and continued publication of unverifiable or inaccurate information, which violates bo
th statutes.

Under 15 U.S.C. 1681n and 1692k, each instance of willful or negligent violation carries statutory damages of up to {$1000.00} per violation, plus actual damages, court costs, and attorneys fees. 
If XXXX XXXX XXXX XXXX continues to report or furnish unverifiable information, this will be treated as a willful and reckless disregard of federal law, and XXXX XXXX will pursue all available remedies, including a formal complaint to the Consumer Financial Protection Bureau, Federal Trade Commission, and civil litigation for damages. 

You are hereby instructed to suspend any adverse credit reporting activity related to this account until complete verification and all supporting documents have been furnished. 

Please direct your full response and documentation to : XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: January Technologies, Inc
State: WA

Complaint narrative:
I received an email from a collection agency called January that disclosed details about a debt belonging to my ex-boyfriend. The message includes the creditors name ( XXXX XXXX XXXX ) and the amount owed. 

I have no joint financial accounts or responsibility for this debt. This is a clear violation of the Fair Debt Collection Practices ACT ( 15 U.S.C. 1692c ( b ) ), which prohibits debt collectors from sharing debt information with anyone other than the consumer, their spouse, or attorney. I am filing this complaint to document the privacy breach and request investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I am writing to formally demand the Consumer Financial Protection Bureau cease and desist from reporting, distributing, or otherwise sharing any credit- related information associated with my Harley Davidson accounts. 
XXXX {$26000.00} - has been paid in full XXXXXXXX XXXX XXXXXXXX the motorcycle was stolen, and the insurance agreed to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Date : XX/XX/2025 NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX | ( XXXX ) XXXX Subject : Request for Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) Dear NATIONAL CREDIT SYSTEMS INC , I am writing in response to a notice, in which you claim that I owe a debt. Please be advised that I am requesting that you provide formal validation of this alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Under the FDCPA, I have the right to request and receive detailed information regarding the validity of the debt you claim I owe. Therefore, please provide me with the following : The amount of the alleged debt, including a breakdown of the principal, interest, fees, or any other charges. 
The name of the original creditor, along with any documentation that clearly establishes that this debt originated with them. 
A copy of any judgment, if applicable. 
Verification that you are authorized to collect this debt, including your license number and the state ( s ) in which you are licensed to operate as a debt collector.

A copy of the original signed contract or agreement, or other documents showing that I agreed to assume this debt. 
A detailed payment history on the account, including the dates and amounts of all payments made. 
Proof of the chain of custody or assignment of the debt, if it has been sold or transferred by the original creditor. 

Until you provide the information above, I request that you cease all collection activities, including reporting this account to any credit reporting agencies, contacting me by phone or mail, or pursuing any legal action. 

Also, be advised that any attempt to collect on a debt that has not been properly validated is a violation of the FDCPA, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please note that I am keeping detailed records of all correspondence regarding this matter and I request that all future communications be conducted in writing only. 

This letter is sent for the purpose of obtaining verification of the alleged debt and does not constitute an acknowledgment of any liability or a promise to pay. Thank you for your cooperation. 

Sincerely

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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for their willful failure to comply with the Fair Credit Reporting Act ( FCRA ) and for neglecting to respond to my formal dispute. 
On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccuracies on my credit report and corrections to incorrect personal information. To facilitate verification, I included copies of my government-issued photo ID, Social Security card , and a utility bill showing my current address. Despite providing all necessary identification and documentation, Equifax has willfully ignored my dispute and failed to provide any acknowledgment, investigation results, or updates. 
This deliberate inaction represents a clear violation of the FCRA, which mandates that credit reporting agencies conduct a reasonable investigation and provide a timely response to consumer disputes. Equifaxs disregard for its legal obligations and my rights as a consumer demonstrates a pattern of noncompliance that warrants regulatory intervention. A copy of my dispute letter sent to Equifax is attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America locked me out of my credit-card account for several weeks due to an unknown login. During that time my autopay was removed without my action, causing a missed annual-fee payment. 

After access was restored, I contacted the bank multiple times, paid the annual fee in full, and requested removal of late fees and interest caused by the lockout. Despite this, Bank of America reported a late-payment delinquency to credit bureaus. 

The customer-service experience made it impossible to resolve the issue : representatives refused to document my statements verbatim, denied case or reference numbers, and gave conflicting information about whether the delinquency had been reported. 

I am disputing the delinquency as inaccurate credit reporting under the Fair Credit Reporting Act and requesting its removal from all credit bureaus and written confirmation that my account is in good standing.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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: FL

Complaint narrative:
This report is being placed because the credit bureaus are continually to report accounts that do not belong to me. I believe that I am a victim of fraud with a lot of of these closed accounts that Ive never opened or I have never used. I have inquiries on my account that do not belong to me And addresses that I have never lived before after further review I believe that these credit bureaus due to their data breaches have obstructed my credit report and will not remove these things after me complaining with them. I would like these things removed immediately.

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: FL

Complaint narrative:
This report is being placed because the credit bureaus are continually to report accounts that do not belong to me. I believe that I am a victim of fraud with a lot of of these closed accounts that Ive never opened or I have never used. I have inquiries on my account that do not belong to me And addresses that I have never lived before after further review I believe that these credit bureaus due to their data breaches have obstructed my credit report and will not remove these things after me complaining with them. I would like these things removed immediately.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation