vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collection agency reporting a medical collection account on my credit file. The account details are as follows : Creditor : Accelerated Collection Services Account Number : XXXX XXXX XXXX Current Balance : {$1400.00} Original Balance : {$1400.00} Status : Collection / Charge-Off Opened : XX/XX/XXXX Reported : XX/XX/XXXX I previously disputed this account with the credit reporting agency. However, the account was returned as verified, with no substantive validation provided to me as a consumer. I continue to have serious concerns about the validity and accuracy of this debt. 

The basis for my complaint includes : 1. Lack of Validation : I have not received a copy of the original medical bill, an itemized statement of services, or proof that Accelerated Collection Services is authorized to collect on this alleged debt. This violates the consumers right to debt validation under the Fair Debt Collection Practices Act ( FDCPA ). 


2. Insufficient Reinvestigation : The credit reporting agency has marked the account as meets FCRA requirements, but failed to provide actual supporting documentation or verification of accuracy. According to the Fair Credit Reporting Act ( FCRA ), unverifiable information must be removed. 


3. Disputed but Still Harmful : Despite being marked as disputed, this collection account continues to harm my credit profile with a derogatory status and charge-off notation, which I believe is unfair and misleading, particularly for a medical debt. 


4. Possible Medical Billing Errors or Insurance Processing Issues : This may be the result of an insurance error, duplicate billing, or a miscommunication with the healthcare provider. Until these possibilities are fully resolved and documented, the collection should not be reported. 



I respectfully request that the CFPB conduct an investigation into the conduct of Accelerated Collection Services regarding this account and ensure that proper validation, transparency, and consumer protections are upheld. If the debt can not be fully validated with supporting documentation, I am requesting that it be removed from my credit report. 

Thank you for your time and support in helping to resolve this matter. I look forward to your assistance in holding this debt collector accountable for proper reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: MI

Complaint narrative:
I am a victim of identity theft. I've disputed this multiple times already and nothing had been done. I did not open these accounts and i do not recognize it. Please remove these accounts from my credit report it's hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Transworld Systems Inc., a third-party collection agency reporting an account to TransUnion that I believe is inaccurate, unvalidated, and should be removed from my credit file. Despite my prior dispute with TransUnion, the account was marked as verified, but no proper documentation or supporting evidence was ever provided to me. Account Details : Creditor / Collection Agency : Transworld Systems Inc. Original Creditor : XXXX XXXX XXXX : {$470.00} Account Number : * XXXX ( partial ) Date Assigned : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance as of XX/XX/XXXX : {$470.00} Creditor Address : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX I am requesting the CFPB to review and assist with the removal of this collection account for the following reasons : XXXX. Lack of Proper Validation : I have not received any documentation that proves this debt is valid and that I am legally obligated to pay it. Specifically, there has been no itemized statement of charges from XXXX XXXX or evidence that Transworld Systems has the legal authority to collect on this debt. 2. No Evidence of Fair Investigation : My previous dispute was returned by XXXX  as meets FCRA requirements, but neither XXXX  nor Transworld Systems provided the basis for verification. Under the Fair Credit Reporting Act ( FCRA ) Section 611, data furnishers must provide accurate and verifiable documentation during an investigation. Without this, the account should be removed. 3. Disputed but Still Damaging : Although the account reflects that I dispute the information, it continues to negatively impact my credit profile with an unpaid collection status, which is misleading and unfair without full validation. 4. Potential Billing or Account Error : I do not recall owing this debt or having any unresolved balance with XXXX XXXX. There is a possibility of a billing error, outdated charge, or mistaken identity, none of which has been resolved through the proper validation process. I request that this account be fully investigated by the CFPB, and that documentation of the alleged debt be provided. If the debt can not be fully validated, I am asking that it be removed from my credit report in accordance with the FCRA. I also request confirmation that Transworld Systems and TransUnion are both complying with federal regulations related to fair and accurate reporting. Thank you for your time and attention to this matter. I respectfully request your assistance in resolving this issue in a fair and timely manner. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLexisNexis\n\nI am writing to request my consumer report and update/correct my personal information on file with you company. \n\nPlease update my address toXXXX XXXX XXXX XXXX XXXX XXXXPlease remove all the other addresses off my report as they are not deliverable to me by the XXXX XXXX XXXX  and they are not reportable as per the FCRA, since they are inaccurate.\n\n Phone Number: 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 Please remove any other aliases.\n\nPlease remove all phone numbers. They do not belong to me.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
Subject : Willful Noncompliance with FCRA Failure to Delete Inaccurate and Unverified Tradelines Summary : Since XX/XX/XXXX, I have submitted multiple disputes to Equifax regarding inaccurate and unverifiable tradelines furnished by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  myself, and through XXXX XXXX XXXX. Despite these disputes and a formal Demand for Deletion issued by XXXX XXXX XXXX in XX/XX/XXXX, Equifax continues to report these accounts with materially inaccurate information. I have attached a chart of all furnishers and related violations that have been disputed. Also a sample of how the account should look, but it doesn't. The CRA has consistantly ignored my requests, disputes, corrections and reports errors harming my creditworthiness and this behavior never seems to go away. 

Violations : Failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) Failure to delete unverifiable data 1681i ( a ) ( 5 ) Failure to mark accounts as disputed 1681s-2 ( a ) ( 3 ) Willful noncompliance 1681n Case Law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Failure to reinvestigate supports punitive damages. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Willful violations under XXXX are actionable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) : Furnishers must obtain documentation, not rely on internal records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am disputing inaccurate and unvalidated debt placed on my credit report by National Credit Systems Inc. 
I moved out of XXXX XXXX XXXX  on XX/XX/XXXX. I left the apartment in good condition and had no outstanding rent balance. My {$250.00} security deposit was never returned.

I received a notice from National Credit Systems in XXXX of XXXX stating I owed {$280.00}. I contacted them by phone on XX/XX/XXXX, at XXXX PM and spoke with a representative named XXXX. I disputed the charge verbally and requested an itemized statement explaining what I owe and why my deposit had not been returned. XXXX stated XXXX XXXX XXXX  disclosed the charge was for cleaning and that he would request the statement. Immediately after ending the phone call, I disputed the charge and requested the same information in a letter mailed the same day, XX/XX/XXXX, via XXXX. The notice I received from XXXX XXXX XXXX stated the charge must be disputed in writing to prevent it from being reported to the credit agencies. They did not uphold their policy, and I saw the charge on my credit report. 
I followed up again with a formal debt validation request, mailed via certified mail in XX/XX/XXXX. This letter included a clear request for validation and restated that I disputed the debt. To this day, I have not received a response. 
Despite my dispute and request for validation, XXXX XXXX XXXX reported this account to the credit bureaus, damaging my credit. 
This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They reported a debt that was actively disputed and failed to provide validation as required by law. 
I am requesting that this item be removed from all credit bureaus immediately and that XXXX XXXX XXXX be held accountable for reporting unverified and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is reported incorrectly. This account was settled and closed before the XXXX. I attach evidence that it is listed as payoff in the same report. They are reporting it twice, and this account was paid in full and NOT included in the 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 2025-06-22 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: NJ

Complaint narrative:
Theres a collection on my account thats not reporting the true expiration date of the dept the dept is pass the statue of limitation for New Jersey but the collection agency is illegally reporting thie using the day they received it and did not fully validate the dept to show the FDOD correctly this dept first date of delinquency is from XXXX which its supposed to stop reporting this as of 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 2025-06-22 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:
According to the FCRA Law 605b I've been a victim of identity theft and information was in a data breach and these accounts are in error and need to be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX credit card automatically signs you up for a " payment security '' program without your knowledge. They charge you a percentage of your balance to pay for this service. I did not authorize for this service and they automatically signed me up for it. 

I have never dealt with the company called payment security services. XXXX XXXX XXXX credit card will not deal with the unauthorized charges. Will not provide signed documentation where I enrolled into the program, and refuse to dispute the charges. They share I need to call the " payment security '' services to deal with them. 

XX/XX/XXXX - {$2.00} charge XX/XX/XXXX - {$2.00} charge XX/XX/XXXX - {$6.00} charge XX/XX/XXXX - {$6.00} charge XX/XX/XXXX - {$6.00} charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 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:
A fraudulent account was added to my credit reports by XXXX XXXX XXXX, with XXXX listed as the original creditor. I do not have, nor have I ever had, an account with XXXX. This account was opened without my authorization and is the result of identity theft. 

I submitted formal disputes to Equifax, Experian, and TransUnion under the Fair Credit Reporting Act ( FCRA ) 605B, including an FTC Identity Theft Affidavit, a police report, a government-issued ID, and a marked copy of my credit report showing the fraudulent item. 

Despite providing all legally required documentation, all three credit bureaus failed to block the fraudulent account. Instead, they responded that the account Meets requirement of the Fair Credit Reporting Act and did not remove or suppress the item. This response violates FCRA 605B, which requires the account to be blocked within four business days of receiving proper notice. 

I am requesting CFPB assistance to ensure the credit bureaus comply with federal law and immediately block the fraudulent account from my credit reports.

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, I applied for the American Express XXXX XXXX business credit card for my business. By that time, the opening bonus that was offered to me from the AMEX official website was that after I spent XXXX dollars with that credit card, I will get XXXX XXXX points toward my XXXX account. 

I have confirmed that from AMEX customer service right after I opened the credit card. however after I have been spent way more than XXXX from with that credit card, I can not see my opening bonus show on my XXXX XXXX account. I called AMEX credit card customer service on XX/XX/XXXX. The customer service told me that she is sure I am qualified for my opening bonus, but I have to wait another billing cycle to get the points. So I waited another and another month, still no points. 

At XX/XX/XXXX AMEX credit card customer service said he can open the case for me to invest why I can not get the points I was been promised multiple times. But again, I have to wait XXXX business day. at XX/XX/XXXX it is over XXXX business days, I call AMEX customer service again, they said I still have to wait. 

So the waiting game has been continued since XXXX till XXXX. i have never receive any explains that why I can not get the opening bonus they been promised me multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: PA

Complaint narrative:
I am filing this complaint because XXXX is reporting a federal student loan to the credit bureaus that I did not apply for, authorize, or benefit from. I am a victim of identity theft, and this account was fraudulently opened using my personal information. 

Despite not having any association with this loan, it is negatively impacting my credit. I have attached a copy of my credit report showing the fraudulent XXXX account, along with my FTC Identity Theft Report. 

I have also contacted XXXX directly to report this fraud and requested they remove the account, but I have not received a satisfactory resolution. 

I am requesting that the CFPB investigate XXXX  reporting practices in this case and ensure this fraudulent account is removed from my credit file. I also ask that XXXX cease any collection or servicing activity on this fraudulent account. 

I have taken all appropriate identity theft precautions, including placing fraud alerts and contacting the credit bureaus directly. 

Thank you for your help in resolving this urgent 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 2025-06-22 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: PA

Complaint narrative:
I am filing this complaint because XXXX is reporting a federal student loan to the credit bureaus that I did not apply for, authorize, or benefit from. I am a victim of identity theft, and this account was fraudulently opened using my personal information. 

Despite not having any association with this loan, it is negatively impacting my credit. I have attached a copy of my credit report showing the fraudulent XXXX account, along with my FTC Identity Theft Report. 

I have also contacted XXXX directly to report this fraud and requested they remove the account, but I have not received a satisfactory resolution. 

I am requesting that the CFPB investigate XXXX  reporting practices in this case and ensure this fraudulent account is removed from my credit file. I also ask that XXXX cease any collection or servicing activity on this fraudulent account. 

I have taken all appropriate identity theft precautions, including placing fraud alerts and contacting the credit bureaus directly. 

Thank you for your help in resolving this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: PA

Complaint narrative:
I am filing this complaint because XXXX is reporting a federal student loan to the credit bureaus that I did not apply for, authorize, or benefit from. I am a victim of identity theft, and this account was fraudulently opened using my personal information. 

Despite not having any association with this loan, it is negatively impacting my credit. I have attached a copy of my credit report showing the fraudulent XXXX account, along with my FTC Identity Theft Report. 

I have also contacted XXXX directly to report this fraud and requested they remove the account, but I have not received a satisfactory resolution. 

I am requesting that the CFPB investigate XXXX reporting practices in this case and ensure this fraudulent account is removed from my credit file. I also ask that XXXX cease any collection or servicing activity on this fraudulent account. 

I have taken all appropriate identity theft precautions, including placing fraud alerts and contacting the credit bureaus directly. 

Thank you for your help in resolving this urgent 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation