vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: FL

Complaint narrative:
I am filing this complaint because I am being wrongfully pursued for a debt that I do not owe. MiraMed Revenue Group is attempting to collect a balance on behalf of XXXX XXXX, even though I am fully approved for 100 % financial assistance through their program. Below are the details : I received a formal approval letter from XXXX XXXX dated XX/XX/XXXX, confirming that I am covered under 100 % financial assistance ( Case # XXXX ). 
This coverage applies to myself and my child from XX/XX/XXXX through XX/XX/XXXX. 
Despite this, I received a debt collection notice from MiraMed Revenue Group dated XX/XX/XXXX, claiming I owe {$100.00} for services rendered during the covered period. 
I have not received any notice of a billing error, nor was I informed that this balance would fall outside of my financial aid coverage. 
This collection effort is not only inaccurate, but it also violates my rights as a consumer by attempting to collect a debt that should have been waived. 
I contacted both XXXX XXXX and MiraMed to address this, but the debt has not been removed or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Account Reporting Request for Investigation Dear Experian, Transunion, Equifax Representative, I am writing to formally dispute inaccurate information that appears on my credit report. Below are the details of the account in question : Creditor/Account Holder : XXXX XXXX XXXXXXXX XXXX Account Type : Lease Account Status : Closed Account Number : XXXX, XXXX, Date Closed : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is reporting as being XXXX days late, with a prolonged late payment history. I believe this information is inaccurate, incomplete, or can not be properly verified. Specifically, I am concerned with the following : 1. The account is reporting a XXXX days late status after the account was closed.

2. The payment history reflects continuous late payments, but there are inconsistencies in the reporting that require verification.

3. The record of XX/XX/XXXX under XXXX XXXX days late appears to be erroneous, as it does not correspond with the accounts timeline. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this account and provide proper verification. If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 

Please send me written confirmation of the results of your investigation. I have attached a copy of my government-issued identification and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationXXXX Please delete the following accounts. 
XXXX XXXX XXXX 
Account Number : XXXXXXXXXXXX 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
Consumer complaint received 2025-07-03 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately. 

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place. 

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/2000 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX 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 : XXXX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect PersonaXXXX XXXX XXXX XXXXXXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have XXXX in several fraudulent XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Provide Required Verification for Disputed Collection Account My name is XXXX XXXX, and I am submitting this complaint to formally address your agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the unresolved dispute of a collection account that remains on my credit file. 

I am acting on my own behalf as a natural person and am asserting my rights under XXXX XXXX. XXXX ( XXXX ), which entitles me to receive a detailed description of the reinvestigation procedure used to verify any disputed item in my consumer report. This includes : The business name and address of any furnisher contacted Their telephone number ( if available ) The exact procedures followed to verify the accuracy of the information Despite my previous request, I have not received the required verification, which is a violation of both XXXX ( XXXX ) and XXXX ( b ), the latter requiring consumer reporting agencies to maintain procedures ensuring the maximum possible accuracy of the information they report. 

Disputed Account : Collection Account Furnisher : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple good-faith disputes to the credit bureausTransUnion, XXXX XXXX XXXXregarding inaccurate, incomplete, and unverifiable information that continues to appear on my credit reports. Despite my repeated efforts, including multiple formal dispute letters with supporting documentation, none of the credit bureaus have conducted a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). 

Each company has failed to provide original documentation, contracts, payment records, or any legally required verification to justify the continued reporting of the following inaccurate accounts : XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : \ {$0.00} XXXX XXXX XXXX XXXXXXXX ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * Balance : \ {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : \ {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \ {$1700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : \ {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : \ {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00} Despite multiple disputes over several months, none of these accounts have been properly verified or removed. In some cases, such as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have disputed the same inaccurate information * * XXXX times without resolution * *. The credit bureaus have either failed to respond within the required timeframe, falsely claimed my disputes were frivolous, or simply ignored the evidence provided. 

This ongoing failure to investigate and correct inaccuracies is harming my creditworthiness, causing financial harm, stress, and violating my rights under : * FCRA Section 611 ( 15 U.S.C. 1681i ) * FCRA Section 609 ( 15 U.S.C. 1681g ) * FCRA Sections 1681n & 1681o ( civil liability for noncompliance ) I am requesting the CFPBs immediate assistance to compel TransUnion, XXXX XXXX XXXX  to conduct proper reinvestigations, provide lawful documentation or permanently delete any unverifiable accounts, and to take action against any willful noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Firstmark Services sent me a letter about a loan I knew nothing about. I called Firstmark Services to inquire about the letter. They told me I was a co-signer on a loan for XXXX XXXX. I asked where the loan came from and could they email me documentation. They told me, the received the loan from XXXX XXXX. This not mine nor my nephews loan. My nephew went to XXXX in XXXX and the loan is dated XXXX. My nephew didn't need a loan for XXXX  he has a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

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 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report six fraudulent accounts appearing on my consumer FICO Equifax 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 student loan account opened at XXXX XXXX on XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX, a student loan account opened at XXXX XXXX on XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX, a student loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX, and a student loan account opened at XXXX XXXX XXXX on XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report 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 2025-07-03 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 disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Upon reviewing the verified update to my consumer complaints. I noticed the Reporting Agency was not properly investigating my complaints filed on XX/XX/year>. I noticed that the complained accounts still reported as a charge-off month after month for an extended period, specifically on Experian. There are three accounts on my credit report that reflect this inaccuracy. This violates the Metro 2 credit reporting format and the Credit Reporting Act ( FCRA ), which both stipulate that a charge-off is a one-time event, not a recurring delinquency that can be reported repeatedly to further damage a consumer 's credit standing. 

Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of the account and fails to accurately reflect the historical status of the account. This tactic is not only unfair but also non-compliant with federal credit reporting laws and guidance from the Consumer Financial Protection Bureau ( CFPB ). 

Furthermore, there are inconsistencies across credit bureaus on these same accounts, including different " date of last activity '' and credit limit reporting. These discrepancies indicate a lack of verified, consistent data -- which calls the integrity of the record into question. 

I am formally requesting : 1. A thorough investigation into these accounts reporting practices.

2. A deletion of the XXXX accountXXXX XXXX XXXX account and XXXX XXXX account from my credit file if the reporting can not be corrected to comply with Metro 2 and FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Upon reviewing the verified update to my consumer complaints. I noticed the Reporting Agency was not properly investigating my complaints filed on XX/XX/year>. I noticed that the complained accounts still reported as a charge-off month after month for an extended period, specifically on Experian. There are three accounts on my credit report that reflect this inaccuracy. This violates the Metro 2 credit reporting format and the Credit Reporting Act ( FCRA ), which both stipulate that a charge-off is a one-time event, not a recurring delinquency that can be reported repeatedly to further damage a consumer 's credit standing. 

Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negative impact of the account and fails to accurately reflect the historical status of the account. This tactic is not only unfair but also non-compliant with federal credit reporting laws and guidance from the Consumer Financial Protection Bureau ( CFPB ). 

Furthermore, there are inconsistencies across credit bureaus on these same accounts, including different " date of last activity '' and credit limit reporting. These discrepancies indicate a lack of verified, consistent data -- which calls the integrity of the record into question. 

I am formally requesting : 1. A thorough investigation into these accounts reporting practices.

2. A deletion of the XXXX accountXXXX XXXX XXXX account and XXXX XXXX account from my credit file if the reporting can not be corrected to comply with Metro 2 and FCRA standards.

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