vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
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  RE : Dispute of Collection Account Bull City Financial Services ( {$130.00} ) Dear XXXX  XXXX XXXX, I am writing to formally dispute a collection account being reported by * * Bull City Financial Services * * on my credit report. The account shows a balance of * * {$130.00} * *, which I believe is being reported * * illegally * * and must be removed.

* * Disputed Account Details : * * - Creditor Name : Bull City Financial Services - Amount : {$130.00} - Reported on : My XXXX  credit file This account is being reported by a company that is * * not licensed to collect debts in the state of Florida * *, where I reside. Florida law requires all debt collectors to be licensed through the * * Florida Office of Financial Regulation ( OFR ) * *. After verifying publicly available records, I could not locate a valid license for Bull City Financial Services. 

Furthermore, the debt may also be * * time-barred * * under Floridas statute of limitations for consumer debts ( * * Fla. Stat . 95.11 ( 2 ) ( b ) * * ), which is 5 years. If the debt is older than that from the date of last payment, it can not legally be enforced.

This account may therefore violate : - * * The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c and 1681s-2 * *, which prohibits the reporting of inaccurate or unverifiable information.

- * * Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 * *, prohibiting collection activities by unlicensed entities.

I respectfully request that this item be : 1. * * Removed * * from my credit file immediately unless the collector can provide documentation showing they are licensed to collect in Florida and that the debt is not time-barred. 
XXXX. I be provided with the results of your reinvestigation as required by the FCRA. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am on PAYE and my recertification date was XX/XX/XXXX. I sent in my recertification on XX/XX/XXXXXXXX  for XX/XX/XXXX. My recertification was moved to XX/XX/XXXXXXXX  and later XX/XX/XXXX. I got this notification on XX/XX/XXXX. I called Mohela to cancel the recertification and they claimed they did both vocally and in two written messages. On XX/XX/XXXXXXXX  my cancelled recertification was processed and my payment went up and I was placed on forbearance against my wishes. I also got a noticed today and my forbearance was canceled and I will continue to pay the old rate. None of this is reflected on my account and I am still in forbearance. This is genuinely confusing and unfair to me the borrower. I was also told on a call with Mohela today ( XX/XX/XXXX ) that this is indeed a mistake but no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
I Saw New promotion on social media & XXXX XXXX Which was if you applied for AMEX XXXX card If you approved you will get XXXX point and {$500.00} first month statement credit i go to my app i applied when i call i ask AMEX no you got diffrent offer only XXXX point why this kind of discrmantion with me or they doing only fake advertisment i need same promosion for me my XXXX point and {$500.00} credit in first bill i aatched proof also my credit card number are XXXX any more question you can call me direct XXXX my email .. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: LA

Complaint narrative:
A collection account from XXXX XXXX is being reported on my credit report. Allegedly opened account date is XXXX XXXX, balance {$24000.00}. I have not received proper validation of the debt, this reporting XXXX violate my rights under the Fair Credit Reporting Act ( XXXX  ) and/or the Fair Debt Collection Practices Act ( XX/XX/XXXX). Details : The account is listed under XXXX XXXX for an alleged debt that I do not acknowledge. I have not received adequate documentation showing that this debt is valid or that XXXX XXXX  has the legal right to collect it. I previously requested verification and/or validation, but have not received a sufficient response. The continued reporting of this account without verification is harming my credit and may be in violation of consumer protection laws. Request : I respectfully request that the CFPB investigate this matter and that XXXX XXXX be required to : XXXX. Provide full verification of the debt, including documentation and the original contract, or XXXX. Remove the account from my credit report if they can not validate the debt under FCRA and FDCPA guidelines. Im attaching a copy of my credit report where this account appears, as well as any prior communication with XX/XX/XXXX regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX  BALANCED {$15000.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX  BALANCED {$15000.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 are the result of identity theft and fraud.

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I had some outstanding debt that was acquired by Midland Credit Management. There was a judgement ruled against me leading to a wage garnishment for {$5100.00}. The debt was paid in full, but the wage garnishment continued even after I called MCM multiple times to notify them of the situation. In the end, I was overcharged {$1200.00}. I was refunded {$250.00}, and am still owed {$1000.00} from the overcharged funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-05-17 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: NC

Complaint narrative:
[ Experian ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To whom it XXXX concern I was just looking over my credit report and found some addresses that appear to be Incorrect. I've enclosed documentation providing proof of my current address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I also noticed that my name appears to be misspelled on my report. My name only has one correct spelling and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier. 

Here are the Incorrect spelling I see listed. 

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 2025-05-17 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Due to lXXXX XXXX XXXX XXXXXXXX, I was unable to work for an extended period and fell behind on payments. I am now working to regain financial stability and have resumed repayment efforts. This has effected my credit report for the last XXXX mos.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX 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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: DC

Complaint narrative:
Cedars Business Services sent me a letter dated XX/XX/year> that I owe {$590.00} to some Italian place. I've never been to XXXX. See attached photo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  Bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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  Bankruptcy has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-17 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureau have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of item : XXXX  XXXX Bankruptcy Dismissed Reference # XXXX Date Filed : 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 2025-05-17 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: FL

Complaint narrative:
under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-17 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: MI

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments. 

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payment recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX, and my State Attorney General. 

I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion block the reporting of fraudulent information on my consumer credit file within four ( 4 ) business days of receipt. 

The disputed information includes a personal credit card account allegedly opened with XXXX XXXX  XXXX XX/XX/XXXX, and an auto loan account reportedly opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These unauthorized accounts have led to multiple fraudulent hard inquiries and collections being reported on my FICO credit report.

I do not recognize or authorize any of the accounts, collections, or inquiries mentioned. They were not opened or initiated by me and are the direct result of identity theft and fraud.

For reference, I have included : A list of the disputed hard inquiries A copy of my FICO credit report showing the fraudulent entries A copy of my FTC Identity Theft Report ( Complaint # XXXX ), confirming these items are tied to identity theft and fraud Please take immediate action to block the reporting of this information, as required under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief