vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
the company had a new person take over billing all od a sudden XXXX day they started requesting a payment from patients who been treating in the office for years and never asked for copays, they never asked me for a copay all of a sudden XXXX day after treating in this office since XXXX  a lady asked for a payment of XXXX dollars from XXXX  i had a secondary insurance as well. Then weeks later a lady tells me i owe XXXX dollars i said what? i was never notified of any copays since i been treating here since XXXX  i would of always paid my copays i asked for bills they never sent me and bills or invoices stating i had a balance, apparently this happened to dozens of other patients as well. I am sure you received complaints about this to or will be, i work in health care and work with insurances on a daily basis that is not how you run a billing office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
THIS COMPANY ( COLUMBIA DEBT RECOVERY ) XXXX IS COMPANY NAME. HAS PLACED {$29000.00} DEBT ON MY ACCOUNT I NEED THIS REMOVED IMMEDIATELY. I HAVE NEVER MISSED A PAYMENT ON MY CREDIT CARDS IN 20 YEARS I OWN MY HOME SINCE XXXX  AND LIVED IN IT SINCE XXXXPLEASE HAVE THEM CORRECT THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State Employees Credit Union has late payments on XXXX, XXXX and XXXX of 2019 reporting to my credit report that I think should be removed and I have disputed and ask for proof of the late payments. 15 U.S code 1666b says 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. Under FCRA Section 611, if the creditor can't provide proper documentation to verify the late payment, they must update or delete it by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request for Deletion of Unverifiable Account XXXX XXXX Charge-Off ( {$1200.00} ) To Whom It May Concern, I am writing to formally notify you of the results of a recent investigation I initiated regarding an account listed on my credit reportspecifically, a {$1200.00} charge-off from XXXX XXXX. This account appeared on my XXXX secondary credit report and was subject to a dispute due to concerns over its accuracy and verifiability. 

As of XXXX XXXX XXXXXX/XX/year>, XXXX completed its investigation and fully deleted the account from my credit report, having determined that the account could not be verified. This deletion confirms that the account is unverifiable, and as such, it should no longer appear on any of my consumer reports. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when a credit reporting agency is notified that an account has been deleted or found to be unverifiable by another CRA, it is required to either delete the account or complete its own reinvestigation. If the account remains unverifiable, it must be deleted within 30 days. 

Moreover, continuing to report unverifiable or inaccurate information after notice constitutes a willful violation of the FCRA, which gives me the right to pursue legal action under 15 U.S.C. 1681n and 1681o, including the recovery of actual damages, attorneys fees, and potential punitive damages. 

Therefore, I am requesting that Equifax immediately remove the referenced XXXX XXXX charge-off from my credit report, in alignment with the verified deletion by XXXX and in compliance with federal law. 

If the account is not removed within 30 days of your receipt of this letter, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further legal remedies available to me under the FCRA. 

Please provide written confirmation once this account has been removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate information reported on my credit report, which I believe is negatively affecting my credit standing. I have already contacted the credit bureaus and the creditor involved but have not received a satisfactory resolution. Therefore, I am requesting the CFPB to assist with investigating and resolving this issue.

Account in Dispute : Creditor Name : PORTFOLIO RECOVERY Amount : {$450.00} Type of Account : Credit Card Reported By : XXXX XXXX XXXX Reason for Dispute : The credit card account listed above is being inaccurately reported on my credit file. This inaccurate reporting is causing harm to my credit score and does not reflect my true creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent account and inquiries on my credit report. Please dispute and remove listed fraudulent account and credit inquiries from my credit report XXXX XXXX XX/XX/year> XXXX 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 explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of 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 explanation
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 
Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX complaining about inaccurate data regarding a payment that is marked late on my closed XXXX XXXX XXXX Account. At the time I called and complained about it being on my report, I was told it was late because of a natural disaster that the company system didnt take the autopay due to services being down. 
They ignored my complaint and procressed my payment at late on my credit report. 
Years later I have noticed XXXX different dates on XXXX different reports which violates my FCRA. Please delete it off my reports cause its inaccurate on my Experian and Equifax. 
Experian states XXXX XXXX Equifax states XX/XX/year> for the same occurrence

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion block the following fraudulent and unauthorized accounts from my consumer credit file within four business days of receipt of this notice. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy and validity of these accounts and demand a lawful reinvestigation and deletion as required by federal law. 

The fraudulent accounts currently appearing on my TransUnion credit report include : A loan account with XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$24000.00} A finance account with XXXX opened on XX/XX/XXXX, with a balance of {$1600.00} A collection account with XXXX XXXX  XXXX opened XXXX XX/XX/XXXX, with a balance of {$520.00} Pursuant to FCRA Section 611, I am requesting full details of TransUnion 's reinvestigation into these disputes, including a breakdown of the method of verification used and physical documentation proving how these accounts were verified as accurate. In the absence of such evidence, these accounts qualify as prima facie false and unsubstantiated, and must be deleted immediately.

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 2025-05-07 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : Notice for validation of debts.

Pursuant 12 CFR 1006.34c This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 ( c ). 
XXXX XXXX XXXX, you have not met all validation requirements under 15USC 1692 Fair Debt Collection Practice Act, therefore, the alleged account being furnished to my consumer report is inaccurate and non compliant to 15 USC 1681. Furthermore, I request a description of the procedure used to determine the accuracy and completeness in the investigation of the alleged debt in accordance with 15USC 1681i ( 6 ) ( b ) ( 3 ). 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
XXXX XXXX REPORTED ON MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE. I HAVE DISPUTED THIS ITEM SINCE XX/XX/year> WITH NO RESOLUTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: GA

Complaint narrative:
XXXX is attempting to collect a debt from Me that was satisfied in 2024. I paid the credit card company directly for the unsettled debt. When I made the payment, my credit score went up and it was reflected on my credit that the balance was satisfied, and I had a XXXX balance owed. This debt was settled XXXX years ago before I purchased my XXXX. There is no way possible. I owe any credit card debt because I made it a point to clear all my debt and close all of my credit cards. This can be proven by looking at my credit history. How is it that I satisfied all my debts from my other credit cards, but didnt pay that one? They are trying to get over on me and get extra money that is not theirs. I have satisfied my debts. I do not owe any money the original creditor as well as this company are operating fraudulently. This needs to be corrected immediately or I will be suing as this false account being placed on my credit is causing undue harm to my financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation