vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting a collection account to the credit bureaus for a debt I do not recognize or owe. The original creditor is listed as Green Mountain Energy Co, and the reported balance is {$270.00}. This account is negatively affecting my credit and shows a status of Placed for Collection with 100 % of the balance unpaid. 

Heres what Ive done so far and why I believe this collection is inaccurate and unfair : I reached out directly to the company. 
I contacted XXXX XXXX XXXX XXXX multiple times regarding this debt. I also made an effort to escalate the issue to executive leadership, including the CEO of the company. Despite reaching out professionally and repeatedly, I have not received any resolution, clear explanation, or validation of this debt. 

The debt was never validated. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of any debt before it is reported or collected. I have not received any documentation proving this debt is mine or detailing what its for, how the balance was calculated, or when it was incurred. Reporting a debt without proper validation is a violation of my consumer rights. 

I dont believe I owe this debt. 
Ive never had a delinquent balance with XXXX XXXX XXXX, and there has been no breakdown of charges or proof provided. This feels like a case of either mistaken identity or improper billing. 

It is affecting my financial stability. 
This entry is damaging my credit score, and the presence of this derogatory collection account has made it harder for me to qualify for affordable credit. Ive spent time, energy, and emotional stress trying to get this removed or resolved through the proper channels with no help from the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: LA

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 2025-05-20 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 strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) recently finalized a rule that prohibits lenders from considering medical debt when making credit decisions and prevents credit reporting agencies from including medical debt on credit reports. I disputed this account with this consumer law/FCRA and they denied it already through XXXX dispute center.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-20 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I attended XXXX XXXX XXXX back in XXXX for about 5 months, then returned in XXXX and spent a total of 17 months at the school. Each month, my XXXX XXXX payment was {$380.00}, and every payment was made on time. 

I dont understand why my loan balance is still so high. Ive been going back and forth trying to figure this out for years, and it just doesnt make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX I requested to open a credit card with Wells Fargo I have no debt, my current credit cards usage is often and is paid for daily. I carry no debt on my primary card or any cards. I wanted to do a balance transfer for some large purchases I plan to make, less than XXXX. I have excellent credit, scores XXXX and XXXX. The reason given does not make sense. XXXX trades open in last XXXX  months, actually part of the XXXX was this inquiry. credit bureau trades greater than XXXX, what does that even mean? I use the card then payoff. Number of cards in credit report. Since when does that matter. Some are getting closed because of non use. Store cards. None of this makes sense. I believe it is not being approved because I want to take advantage of an offer they have of XXXX after you use it. This is false advertising and trying to bait and switch. Very upset over this as Wells Fargo has been more than happy taking government bail out money in the past.

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 2025-05-20 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-05-20 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: 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 ( XXXX ) 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 ( XXXX ) 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 * * * Date Opened : XX/XX/year> Balance : {$20000.00}

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
Consumer complaint received 2025-05-20 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: AZ

Complaint narrative:
Ive noticed several negative items being reported on my credit report adversely impact my score. I formally requested that all negative items being investigated be validated in accordance with XXXX and XXXX case law pursuant to XXXX and I reserve my rights binding by case law applicable to each negative item specifically

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive noticed several negative items being reported on my credit report adversely impact my score. I formally requested that all negative items being investigated be validated in accordance with XXXX and XXXX case law pursuant to XXXX and I reserve my rights binding by case law applicable to each negative item specifically

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding a XXXX XXXX XXXX bankruptcy. In my dispute, I specifically requested the Method of Verification ( MOV ) under FCRA XXXX, including the name of the verifying party, source of verification, and the legal basis for matching the public record to my credit profile. 

On XX/XX/XXXX, just 2 days later, Equifax marked the dispute as verified and stated they obtained information from XXXX, a third-party vendor. However, the XXXX Bankruptcy XXXX does not verify records with credit bureaus or XXXX. 

Equifax failed to contact the court clerk, who is the only legally valid source under FCRA. Despite this, Equifax updated the Date Verified field to reflect a new verification action, but provided no response to my MOV request. Instead, they inaccurately labeled my dispute as not specific and only added consumer disputes this account to the record. 

I retained video and screenshot proof of my dispute submission, which clearly outlines my MOV request. 

I am asking the CFPB to compel Equifax to either : Provide the legally required XXXX of XXXX in writing, including the name and source, or Permanently remove this unverifiable public record from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request to FCRA 605B ( 15 U.S.C. 1681 c-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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXXXXXX on XXXX XXXX an auto loan account opened at XXXX XXXX XX/XX/XXXX an auto loan opened at XXXX XXXX  on XX/XX/XXXX, a personal credit card opened at XXXX XXXX on XXXX XXXX and a medical care accounted opened at XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of the identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

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 605B 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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir, I do not reside in XXXX anymore however, I have my Bank Account Opened in Bank of America for the last 15 years.

One person has managed to take a Credit Card from Bank of America under my Name without my prior knowledge.

This was notified to me through e-mail ID by Bank Of America.

The company has also changed my login credentials as I do not possess any Debit or Credit Card of Bank of America any more as I do not use its services.

I would like to report a fraud under cyber crime where there is theft of identity and issuance of a credit card without ever applying for same. 
Thank you. 

Regards.

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 2025-05-20 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: CA

Complaint narrative:
I want to emphasize that this complaint is genuine and not submitted in error. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are placing a significant burden on me and continue to negatively affect multiple aspects of my life. Given the challenges I am currently facing, having these inaccuracies corrected or removed would be an immense relief and deeply appreciated. I respectfully ask that this matter be addressed with the seriousness and urgency it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: KS

Complaint narrative:
I am filing this complaint due to the continued reporting of inaccurate and incomplete information on my credit report. Despite submitting disputes directly to both the debt collector and the credit reporting agency, the information remains uncorrected, and no appropriate action has been taken. 

The furnishers of the accounts listed below have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). More than 35 days have passed since my dispute, yet the accounts in question have not been marked as disputed, as required by law. This failure to communicate the dispute is damaging to my credit reputation and may negatively impact employment and credit decisions. 

Disputed 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 XXXXXX/XX/XXXX These actions ( or inactions ) constitute violations of the following federal statutes : 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when an account is disputed.

15 U.S.C. 1692e ( 8 ) : It is unlawful to report credit information that is known to be false or fail to communicate that a debt is disputed.

I have attached proof of my prior dispute and a timestamped copy of my credit report showing that the accounts remain unmarked as disputed. I am requesting immediate deletion of these accounts and inquiries or a correction reflecting the dispute status.

If this is not resolved promptly, I intend to pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1692k for willful noncompliance and negligence. I am also submitting complaints to the Federal Trade Commission ( FTC ), the State Attorney Generals Office, and the XXXX XXXX XXXX. 

For the record, this dispute has been submitted directly by me, XXXX XXXX XXXX XXXX, and not by a third party. I am asking that it be investigated and processed accordingly.

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