vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this formal complaint regarding an alleged medical debt you reported to the credit bureaus without prior validation, in clear violation of federal law. Your actions violate the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and the Health Insurance Portability and Accountability Act ( HIPAA ).

Complaint Details : Alleged Debt Amount : {$1100.00} Original Creditor : XXXX XXXX XXXX Date Reported to Credit Bureaus : Credit Reporting Agencies Affected : All Credit Bureaus Violations Committed by Your Agency : 1. Reporting a Debt Without Prior Validation FDCPA Violation ( 15 U.S.C. 1692g ) Under the FDCPA, a debt collector must provide validation of a debt before taking any collection action, including reporting to credit bureaus. Since you reported this alleged debt without first validating it, you have violated federal law. At this stage, validation is no longer an optionthe debt must be deleted. 
2. Illegal Credit Reporting of an Unverified Debt FCRA Violation ( 15 U.S.C. 1681s-2 ) The FCRA requires that only accurate and substantiated debts be reported to credit agencies. Since this account was placed on my credit file without verification, you have furnished inaccurate and unlawful information in violation of the FCRA. This account must be immediately deleted. 
3. Unauthorized Disclosure of Medical Information HIPAA Violation If you obtained or transmitted any medical information related to this debt without my explicit written consent, you may have violated HIPAA Privacy Rules ( 45 CFR Part 164 ). As a third-party collector, you are not legally permitted to access or share my medical data without proper authorization. 
4. Possible Violation of the No Surprises Act If this debt stems from out-of-network services or emergency care, it may be covered under the No Surprises Act, which limits certain medical billing and collections. If this debt falls under these protections, your collection efforts are unlawful.

Demand for Resolution : 1. Immediate deletion of this account from all credit bureaus due to illegal reporting without prior validation.

2. Cessation of all collection activitythis debt should not have been reported, and it must now be permanently removed. 
3. Disclosure of how you obtained my medical information, including proof that HIPAA authorization was properly obtained.

4. Written confirmation within 30 days that this account has been deleted and collection efforts have ceased.

Failure to comply with this request will result in formal complaints filed with the CFPB, FTC, HHS Office for Civil Rights ( for HIPAA violations ), and legal action for willful noncompliance with federal law. 
I expect a response confirming the deletion of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my Transunion credit report and noticed fraudulent items that are destroying my credit. I have tried to submit disputes online and over the phone with Transunion to fix these errors but their online portal does not work. I have filed a compliant with the FTC Report NumberXXXX and have attached it to this complaint. I have also taken a screen shot of the negative items and included it in the attachments. These account are fraudulent and per the FCRA 605 ( b ) I would like to block these items from appearing on my credit report. Here are the fraudulent accounts : Credit Card : Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$22000.00} and Fraudulent Real Estate Loan Company or Organization : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$86000.00} I have also attached a pictures of my drivers license and social for verification. 
Thank you for helping me at least get this dispute submitted with Transunion because they make it impossible to dispute items on my report and I have been trying to do it. Thanks - 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 non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have received XXXX cards to my address with my name on them ; XXXX from XXXX XXXX and XXXX credit cards from chime. I reported the debit card to XXXX and they flagged it as identity fraud and closed the account on XX/XX/XXXX. On XX/XX/XXXX, I received the chime cards that were checking and savings accounts which were also reported for fraud. 

There's been a checking and savings accounts opened from XXXX XXXX XXXX that has also been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AZ

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from 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 explanation
Consumer complaint received 2025-04-11 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: TX

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 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 2025-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> a scammer scammed my Chase bank which my ATM card is damaged and I am requisting a replacement which I didn't. Chase sent my card to a scammer at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. In XX/XX/year> ten unothroized transaction happened with my card for {$2400.00} in seveal places.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 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 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 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-11 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:
I am writing to formally request the removal of a closed account that is currently being reported on my credit file. This account has been closed and is no longer active. I respectfully request that this account be removed from my credit report with [ XXXX XXXX TransUnion XXXX XXXX ], as it is not contributing positively to my current credit standing and is no longer relevant to my credit history.

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 2025-04-11 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: NC

Complaint narrative:
I am writing to formally request the removal of a closed account that is currently being reported on my credit file. This account has been closed and is no longer active. I respectfully request that this account be removed from my credit report with [ XXXX XXXX TransUnion XXXX XXXX ], as it is not contributing positively to my current credit standing and is no longer relevant to my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Complaint against Westlake Financial Services are as follows : 1. Unwarranted repossession on XX/XX/XXXXXXXX  2. Inaccurate Credit Reporting 3. Putting my XX/XX/XXXXXXXX  payment on the end of my loan without my consent and initiation and failing to resolve the matter when asked to hear the call that I allegedly placed on XX/XX/XXXX. 
4. Questionable Finance Charges I tried to upload my contract but I'm having a hard time doing so. I can provide this at a later time if it's needed. 

I have attached typed letters and documents with my complaint. I hope this is okay and will not hold up processing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: TX

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-04-11 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: TX

Complaint narrative:
Experian is reporting my debt summary balance inaccurately. 
They are saying I have XXXX  % Debt utilization, however. Most of these accounts are closed and should not show up in debt summary. 
I have attached the list of accounts. 
XXXX for Credit cards, auto, loans. 
Please have this in accurate date removed from my account and report. thank you.

15 U.S. Code 1681i Procedure in case of disputed accuracy 15 U.S. Code 1681s-2 Responsibilities of furnishers of information

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 2025-04-11 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: MS

Complaint narrative:
I have discovered late payment notations on my credit report that are false and need to be corrected right away. These inaccuracies are unfairly reducing my credit score and jeopardizing my financial health. I consider this completely unacceptable. 

Some of the reported late payments were made on time, while others appear to stem from internal processing issues. If these late marks can not be validated with original recordssuch as dated billing statements and signed account agreementsthey should not be present on my credit file. The FCRA requires all reported data to be factually accurate and verifiable. 

I am demanding the immediate correction or deletion of these late payment entries. If the reporting companies can not produce solid, documented proof, these items must be removed. Failure to address this promptly will be considered a deliberate violation of federal consumer protection laws.

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 2025-04-11 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute late payments that appear on my credit report related to my account with XXXX and XXXX XXXX account numbers XXXX  and XXXX. These late payments have significantly impacted my credit score, and I respectfully request that they be removed as a goodwill adjustment or due to the extenuating circumstances surrounding the delinquencies. 


Since that time, I have made every effort to bring the account current and maintain a consistent payment history. I value my relationship with [ Creditors Name ] and have taken proactive steps to manage my financial responsibilities more effectively. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that only accurate and complete information should be reported. While I do not dispute that there were missed payments, I am requesting a goodwill adjustment as these were not indicative of my overall credit behavior and were caused by temporary hardship. 

This request is also being submitted as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as I believe it deserves further review. I would appreciate your assistance in re-evaluating the reporting of these late payments and consider removing them in light of the circumstances and my subsequent positive payment history. 

Thank you for your time and understanding. I hope to resolve this matter in a way that is fair and beneficial for both parties.

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 2025-04-11 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: NC

Complaint narrative:
I am writing to formally dispute late payments that appear on my credit report related to my account with XXXX and XXXX XXXX account numbers XXXX  and XXXX. These late payments have significantly impacted my credit score, and I respectfully request that they be removed as a goodwill adjustment or due to the extenuating circumstances surrounding the delinquencies. 


Since that time, I have made every effort to bring the account current and maintain a consistent payment history. I value my relationship with [ Creditors Name ] and have taken proactive steps to manage my financial responsibilities more effectively. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that only accurate and complete information should be reported. While I do not dispute that there were missed payments, I am requesting a goodwill adjustment as these were not indicative of my overall credit behavior and were caused by temporary hardship. 

This request is also being submitted as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as I believe it deserves further review. I would appreciate your assistance in re-evaluating the reporting of these late payments and consider removing them in light of the circumstances and my subsequent positive payment history. 

Thank you for your time and understanding. I hope to resolve this matter in a way that is fair and beneficial for both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested a complete copy of all records and documentation related to the origination, disbursement, servicing, and communication history of my federal student loan, as outlined in the Master Promissory Note. On XX/XX/XXXX, I received a response stating that I needed a court order to obtain anything other than full payment history and the Promissory note. Prior to that, on XXXX I provided more information stating that I had the promissory note, which indicates that pursuant to the Privacy Act of XXXX, I had the right to access this information without a court order. In XX/XX/XXXX, I received a response from an Ed Financial representative, indicating that the information is secure but, again, did not provide me with the requested information. Im requesting the loan service provider fulfill my request as soon as possible, as Ive already been in contact twice. If it is not possible, I request that they cite a specific legal basis for their refusal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: OK

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 explanation