vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: CBC Companies, Inc.
State: FL

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 2025-05-28 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:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the 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 in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have 2 balances simultaneously held on my Citi XXXX credit card. One is a promotional 0 % balance transfer set to expire in XX/XX/XXXX and the second is a small purchase balance at the normal purchase APR of 26.99 %. I understood that the minimum balance paid is applied to whatever balance Citibank decides. But my understanding was that any monetary amount paid besides the minimum balance is meant to be applied to balances with the highest interest rate first. However, this is not what occurred. For my XXXX statement ( billing cycle dates XXXX ), I was advised the minimum payment due was {$120.00}. The purchase APR balance I am attempting to pay off was listed as {$83.00} on the XXXX statement. Thus, I made sure to pay more than the minimum payment. However, on my XXXX statement ( billing cycle dates XXXX ), although it shows I made a total payment of {$350.00}, which is {$220.00} more than the minimum payment required and part of which should have been applied to the purchase APR balance, the XXXX statement still shows me carrying a purchase balance of {$70.00}. This means the extra money I paid on top of the minimum payment was not applied to the highest interest rate balance, the purchase balance. When I called Citibank Credit Card customer service for an explanation on XX/XX/XXXX, I was advised I would have to pay off the entire promotional balance transfer first before the payment will apply properly to the purchase balance. I told the customer service agent that there are regulations applicable to credit card payments that prevent the bank from arbitrarily applying payments in regards to multiple balances with multiple interest rates and that payments greater than the minimum balance should be applied in a way that prioritizes balances with the higher interest rate, but she insisted that the information she gave me was correct. I did not want to argue with an agent who could not assist me, which led to this complaint being submitted.

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 2025-05-28 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: GA

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The accounts listed below, which appears on my Experian credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. The accounts listed are the remaining fraudulent accounts on my Experian report. 
XXXX. 
XXXX Case Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * XXXX. 
XXXX XXXX Account 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 2025-05-28 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXnTried to dispute the company hasnt provided any information since asked last year. \XXXX XXXX XXXXThis is inaccurate information. XXXX XXXX \n Closed Account \XXXX XXXXnClosed account \XXXX was XXXX  this account was opened fraudulent'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
b'National Credit Systems XXXXTried to dispute the company hasnt provided any information since asked last year. XXXX XXXX XXXXThis is inaccurate information. XXXX XXXX XXXX Closed Account XXXX XXXXClosed account XXXX was XXXX  this account was opened fraudulent'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and health.

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 2025-05-28 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: AL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and health.

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 2025-05-28 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: LA

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
The {$2500.00} debt being reported by Lockhart Morris & Montgomery is a result of an employment-related non-compete contract with XXXX XXXX XXXX , not a consumer credit agreement. This was not a loan, credit card, utility, or service debt. It was a penalty tied to a training contract, imposed due to early termination of employment. 

This arrangement caused significant hardship, including lack of proper rest, missed meals, and XXXX XXXX conditions that forced me to resign. The contract was signed under financial duress, which challenges the enforceability of the liquidated damages clause. Furthermore, the debt is being misrepresented on my credit report as a valid consumer collection, which it is not. This is a misclassification and a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing inaccurate or misleading information to consumer reporting agencies. 

There is no court judgment validating this debt, nor has any proper validation been provided per the Fair Debt Collection Practices Act ( FDCPA ). Reporting this as a collection item is deceptive and is damaging my ability to access legitimate credit. 

I am requesting full removal of this account from all credit reporting bureaus and a formal investigation into Lockhart Morris & Montgomerys practices under FCRA and FDCPA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: OR

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-28 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: VA

Complaint narrative:
In late XX/XX/XXXX, a previous lender ( XXXX XXXX ) attempted to re-age an account reported by Equifax by changing the date of first delinquency from XX/XX/XXXX to XX/XX/XXXX, in violation of FCRA rules. I submitted a dispute on XXXX XXXX with Equifax to correct the DATE OF XXXX XXXX to the original date of XX/XX/XXXX. I received the results of the dispute on XX/XX/XXXX. Equifax had refused to verify the date of first delinquency as requested, but rather verified the DATE OF LAST ACTIVITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am a federal and state tax payer. Nelnet is a XXXX XXXX XXXX XXXX department of education. Nelnet as of XX/XX/year> has illegally posted XXXX different Nelnet loans as payment over 90 days late. For XXXX XXXX my loans were paid for through my taxes and paid in full. All XXXX major credit reporting agencies will Not change the status to paid in full. My Nelnet student loans were in good standing for XXXX  XXXX  including XXXX, XXXX and XX/XX/year>. So how am I XXXX  days late when illegal XXXX different loans all of a sudden show up? Credit reporting agencies allowing other older than XXXX XXXX to actively report as well for things I paid off too. So fraudulent and I want all this bad XXXX wiped off my credit report because I've worked hard to get my credit over XXXX now it's XXXX 's??? Wrong and illegal and I want it corrected ASAP because I'm trying to buy a XXXX house. My lease is up in XXXX  days. I won't be able to buy or rent with this XXXX going on. Please someone do the right thing for once! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
On XX/XX/year>, I received an alert regarding my credit report. I have recently obtained a copy of my report and upon checking. These are the items that I noticed that are on my report. XXXX XXXX XXXX XXXXXXXX reported on XX/XX/year> for the amount of {$1100.00}. I have contacted this company and asked for the original documents that I signed with them regarding this matter. I have not received anything from this company regarding this debt. I have been incarcerated for well over XXXX  years during which I have reported identity theft to the Federal Trade Commission. This debt has to be a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by TransUnion, and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-05-28 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: NC

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.

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 2025-05-28 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: NC

Complaint narrative:
I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. I am exercising my right as a consumer and I demand that you immediately delete and remove the following information from my credit report as you are hindering me in finding a stable job to provide for the needs of my family.

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 2025-05-28 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: IN

Complaint narrative:
Miramed Revenue Group has been attempting to collect a medical debt that they allege belongs to me on behalf of XXXX XXXX. 

I was XXXX  with severed XXXX and was admitted to XXXXXXXX XXXX XXXX XXXX  program. My insurance, XXXX XXXX paid for this stay in its entirety. 

XXXX  attempted to bill me after the bill had been paid by my insurance ( theft of service ) which was later resolved by agents of XXXX XXXX. XXXX  business office called and apologized for the duplicate billing and insisted it was a routine error. 

XXXX  later attempted to collect again on this same paid debt and referred my bill to Miramed Revenue Group who has called, texted and mailed me. Ive requested multiple times over the phone to produce proof of this debt, which they have not. 

They have now sent this bill to collections and is published to my credit report. 

This is not fair and is impacting my credit profile. These companies are both duplicitous and exploitative of regular people.

Company response to consumer: Closed with explanation