vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
XX/XX/year> Re Eastern Account Systems/Eastern Account Systems of Connecticut Dispute of Debt Account Number ( many see reports ) To Whom It May Concern, I am writing to formally dispute the debt listed above, which appears on my credit reports. According to the Nationwide Multistate Licensing System ( NMLS ), Eastern Account System is not licensed to collect debts in Michigan. Michigan law in fact requires all debt collectors be licensed. 
Additionally, I have observed the following issues : The balance of these debts fluctuate weekly by {$1.00}, raising questions about accuracy. 
The debt also appears to be double reported on XXXX  credit report. The debts show XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX $ with same dates, identical reporting schedules, etc. Account number was provided when disputed but was changed by two numbers to make it appear as two separate debts. 
These issues have caused my credit score to drop repeatedly by showing recent debt collection activity, two separate debts, and balance increases which negatively affect my credit.

Due to these issues, I request that Eastern Account Systems immediately cease all collection activities related to this debt, remove reporting of these debts to all credit reporting agencies until proper verification and licensing are provided. 
I am sending this letter to document my dispute and to ensure that my rights under Michigan law, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) are protected. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/, I mailed a detailed written dispute and verification request to Credit Central, LLC regarding an account reported to XXXX  ( Acct # XXXX ). My letter clearly identified me, cited applicable sections of the Fair Credit Reporting Act ( FCRA ), described the inaccuracy ( the account verified under outdated aliases ), and requested verification or deletion. I enclosed copies of my government ID and proof of address. USPS records confirm delivery on XX/XX/. 

On XX/XX/, Credit Central replied that it was not subject to validation requirements of the FDCPA and declared my dispute frivolous. The company did not identify any missing information or documentation needed to cure the alleged deficiency and conducted no reasonable investigation. This violates FCRA 611 ( a ) ( 3 ) ( procedure for alleged frivolous disputes ) and 623 ( a ) ( 3 ) ( duty to investigate direct disputes ). 

Under federal law, verification requires more than matching data in a computer system. A furnisher must review and provide the original underlying documentsthe signed credit agreement, complete payment history, and accounting proving ownership and balance. Credit Central has provided none of these and continues to report the account as charged-off with a balance of {$1500.00}. 

I also have reason to believe the account was sold or transferred. If Credit Central no longer owns the debt, continued reporting of a charged-off balance violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ), which require furnishers to update all consumer reporting agencies to show a {$0.00} balance and Transferred/Sold status upon sale. Each month that Credit Central transmits this inaccurate information constitutes a new furnishing event and an additional violation. The company must disclose the exact sale or transfer date and purchaser under FCRA 609 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 7 ).

Leaving this account coded as charged-off, past-due, balance {$1500.00} causes three distinct harms : 1. It keeps utilization and delinquency metrics artificially high, damaging my credit scores.
2. It duplicates debt if a buyer also reports a collection account.

3. It creates continuous FCRA furnishing violations, each separately compensable under FCRA 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-08 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Nelnet has continuously been HARRASSING me about a student loan I've never had I have a XXXX XXXX  education I couldn't go to college

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: SC

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2025 Midland Credit Manag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Subject : Request for Debt Validation Under the FDCPA To W

hom It May Concern, I am writing in response to your recent communication regarding an alleged debt. Please be advised that I dispute this debt and request full validation of it, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, 15 U.S.C. 1692g and 15 U.S.C. 1681e ( b ). 

Please provide the following information : 1. The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

2. The name of the original creditor and the account number.

3. A copy of any judgment, contract, or agreement that bears my signature and shows that I agreed to assume this debt.

4. Documentation that you are legally authorized to collect this debt in my state.

5. The date of the alleged default and when this debt was transferred or sold to your company. 

Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this debt to any credit reporting agency, as such action is prohibited by law. 
If you can not provide proper documentation, please confirm in writing that you have closed your files and that no further collection attempts will be made. 
Thank you for your attention to this matter. I look forward to your prompt response. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ) and 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only release information when a permissible purpose exists. As these inquiries do not meet those conditions, I am demanding their deletion.

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 2025-10-08 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: AL

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ) and 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only release information when a permissible purpose exists. As these inquiries do not meet those conditions, I am demanding their deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>XXXX  To : Client Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX RE : Account Ending in XXXX Cease and Desist Request Under 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as my formal notice under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that Client Services , Inc. immediately cease and desist all communication with me regarding the above-referenced account.

As stated in 15 U.S.C. 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Therefore, you are hereby instructed to stop all contact with me including by phone, mail, email, or any other means concerning this or any other alleged debt. 

Be advised that any continued contact by your company, except as specifically allowed by law ( such as to confirm termination of collection efforts or to notify me of specific legal remedies ), will constitute a violation of federal law. Should this occur, I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This letter does not serve as acknowledgment or validation of any debt, and I reserve all rights under the FDCPA and any other applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-10-08 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: SC

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-10-08 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: NJ

Complaint narrative:
ON XX/XX/scrub>XXXX  A ALERT WAS SENT THE CREDIT REPORT AGENCIES SAYING THAT AN ACCOUNT IS LATE ON MY CREDIT REPORT XXXX, XXXX, AND XXXX. UPON CHECKING THE CREDIT REPORT I SAW THAT A NEW ADDRESS WAS PLACED ONTO THE CREDIT REPORT ALONG WITH AN ACCOUNT JPMCB IT SAYS BUSINESS ACCOUNT. NEVER LIVED AT ADDRESS XXXXXXXX XXXX XXXX XXXX NJ XXXX. CALLED THE CREDIT BUEAUS XXXX, XXXX, AND XXXX  THEY TOLD ME A NEW ADDRESS WAS PLACED ONTO THE CREDIT REPORT ALONG WITH AN ACCOUNT SAYING ITS 60 DAYS PAST DUE. DISPUTED THE ACCOUNT WITH JPMCB, XXXX, XXXX, XXXX. ASK THEM TO SEND PROOF OF THE ACCOUNT THAT I WAS VICTIM OF IDENTITY THEFT. NEVER SENT PROOF OF THE ACCOUNT AND THEY PUT FRAUDULANT ACCOUNT ONTO THE CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV FUNDING LLC has been reporting a debt to my credit report that does not belong to me. I have contacted them multiple times about this {$150.00} debt. They have not removed it and has continued to report this negative information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MicroBilt / PRBC (formerly CL Verify)
State: GA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. ''

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 2025-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I was laid off from loandepot where I also had my mortgage. I called to see if I can get any assistance, I was offered deferment and I was assured every time I spoke with a representative that I did not have to pay a lump sum and my rates isnt changing. If I had known that my rate was going to change, I would of work several odd jobs to make it happen until I found a job that is sufficient to be able to pay the mortgage comfortably. I am a full time father so my time is limited when I can work and how much I can work but I would of made it work. The assistance helped to balance everything until I finally found a job and called them to advise that I am able to pay. I was advised I needed to pay the lump sum and I was irate, requested to speak with a manager. I was finally assisted and then after everything, I was given an ultimatum that I have pay the deferred amount or my rate is going to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Experian has been caught reporting accounts and is found in violation of FCRA LAWS and failed to correct misleading and unverifiable accounts related for double reporting, deletion and reinsertion, see attachments for new evidence of my consumer rights being violated

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 2025-10-07 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: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. 
Please help me get these accounts removed immediately. laws15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
The following credit card companies XXXX  XXXX # XXXX Avant # XXXX XXXX  # XXXX sold my information to XXXX XXXX XXXX. Which is a third party who is charging me debt not owed.My infirmation has been disbursted without my will or signature. 
I have not sign any contract or contracts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America sent out my bank records from an invalid subpoena, I gave them information as did my attorney did as well they have not looked into the information that was provided to them if they would they would see that the subpoena is invalid, they do not want to follow through with this my records should have never been sent plus the notification they sent to me was after the fact they had already sent my records, I need help to resolve 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 2025-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request a review of these accounts, and if they can not be properly verified, they should be removed.

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