vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I went for an urgent medical issue to XXXX XXXX XXXX  ( run by XXXX ). The front desk person insisted to charge much higher amount ( {$300.00} ) to insurance although I was ready to pay much lower " cash payment '' instantly ( {$140.00} ) and not go through insurance. They were confident insurance will pay based on my coverage and I believe were hoping to get paid more. They somehow messed up charging insurance and used wrong codes. Now, insurance will not pay them and they are asking that I pay the full amount ( {$300.00} ) although I have told them I am still okay to pay the original lower " cash payment '' - {$140.00}. They are saying their processes does not allow them to charge me the lower amount after they process through insurance. This seems ridiculous and unfair!! 
Why should a senior citizen pay for their mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 



And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to 15 USC 1681s-2 they are suppose to 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. 



15 U.S.C. 1681B ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>. I request a thorough investigation int these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unbales to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On or about XX/XX/XXXX I was informed by a creditor that a debt collector LVNV Funding, LLC had posted a debt on my credit report on XX/XX/XXXX. 

The problem, LVNV Funding, LLC also known as XXXX XXXX never mailed me a debt letter giving me XXXX to dispute or ask for a debt validation. Which is required under the ( FDCPA ) violations under XXXX. Validation of Debts. 
15 USC 1692i. 

I emailed a letter to LVNV FUNDING, LLC putting them on notice that I would file a lawsuit against them for violating my rights, afterwards they posted on my credit report that consumer disputes debt. 

XXXX XXXX XXXX XXXX XXXX  has a proven track record of violating the laws under the State & Federal Regulations. These proven facts can be found on the XXXX XXXX system whereas they have been sued, and under State Court systems. They can also be found doing a XXXX search. 

And they continue to violate the rights of consumers. They have no respect for the law. Everyone knows that these debt collectors harass & break the laws. 

Even attorneys representing them, such as the attorney who represents LVNV Funding, LLC mentioned he's trying to collect on a judgement from XXXX XXXX XXXX for his client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several times with Experian first starting back in XX/XX/XXXX a medical collection agency called XXXX XXXX XXXX and the original debtor XXXX XXXX XXXX. It was removed after their investigation on my credit report with Experian. I have no dealing with XXXX XXXX XXXX. I don't know what it is, and I never made a debt with this company. I have been to one hospital over 8 years ago and I know the name of the hospital and it's not XXXX XXXX XXXX. XXXX XXXX XXXX  never contacted me or XXXX XXXX XXXX  about this debt. Experian agreed in XX/XX/XXXX this company had no right to put on my credit report. The original debtor does not match, and they could not provide proof. It was removed and last month XX/XX/XXXX Experian placed back on account with opening date XXXX and I dispute again, and they denied and left on my account when they know the opening date is incorrect and I have no knowledge of the original debtor. My score dropped XXXX points, and the new rule states credit score can not drop because of medical which went in effect in XX/XX/XXXX. This was added to my report XX/XX/XXXX after the ruling and they still drop my score. I can't discuss why they are not following the rules that was passed in XX/XX/XXXX. Why are they leaving fraudulent items on my credit and reporting incorrect information. XXXX XXXX is reporting inaccurate information to 2 different agencies, Equifax was reported as delinquent as of XX/XX/XXXX and Experian XXXX opening date. They are not investigating like they did in XX/XX/XXXX and sending me that this account is accurate and verified within 5 minutes.

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 2025-05-01 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX 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 2025-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Yes, I had a car loan through height, finances, and I completely finished paid off the car and on my credit report to Experian and XXXX XXXX they are telling me that is it is a charge off loss profit. I completely finished paid off the car in XX/XX/year>. I still have the car so there is no way its a charged off. I have payment history from the financial company and an email saying congratulations to where I can request my title online

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 2025-05-01 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:
Yes, I had a car loan through height, finances, and I completely finished paid off the car and on my credit report to XXXX  and trans Union they are telling me that is it is a charge off loss profit. I completely finished paid off the car in XX/XX/year>. I still have the car so there is no way its a charged off. I have payment history from the financial company and an email saying congratulations to where I can request my title online

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 2025-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Yes, I had a car loan through height, finances, and I completely finished paid off the car and on my credit report to XXXX and XXXX XXXX they are telling me that is it is a charge off loss profit. I completely finished paid off the car in XX/XX/year>. I still have the car so there is no way its a charged off. I have payment history from the financial company and an email saying congratulations to where I can request my title online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have two repossessions thru credit acceptance but the last one they are trying to garnish my pay and I just got back to work I been off for two years just started back working XX/XX/year> I would like to fix my credit so I can buy my home for my XXXX birthday

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 2025-05-01 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:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

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 2025-05-01 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:
I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

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 non-monetary relief
Consumer complaint received 2025-05-01 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: VT

Complaint narrative:
Subject : Formal Dispute of Student Loan Account and Request for Removal Under FCRA and Privacy Laws To Whom It May Concern : I am writing to formally dispute the accuracy, validity, and legal integrity of a student loan account currently listed on my credit report. The account in question is : Creditor/Furnisher Name : [ Insert loan servicer or Dept. of Ed ] Account Number ( last 4 digits ) : [ XXXX ] I have reason to believe that this account may have been accessed, altered, or otherwise compromised by unauthorized third parties who lacked legal authority or permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and related federal privacy protections including FERPA and GLBA. Specifically, there are credible concerns that my personally identifiable information ( PII ) and private loan data may have been exposed to or mishandled by individuals connected to political or corporate interests without my consent, such as parties associated with [ you mentioned Donald Trump, XXXX XXXX, or their affiliates ]. 

Because this access was not lawfully authorized, and because I have not received any documentation confirming the integrity or chain of custody of this account data since the breach occurred, I dispute the validity of the information being reported. Under the FCRA 1681i, you are obligated to investigate this dispute, confirm the accuracy and source of the data, and remove any unverifiable, incomplete, or inaccurate account data from my report.

Furthermore, if the data in question was furnished by a party who accessed my records without a permissible purpose or misrepresented their authority to do so, it constitutes a direct violation of federal law and undermines the legal basis for its inclusion in my credit file.

I hereby demand the following under FCRA : Immediate investigation of this account.

Deletion of the account from my credit file unless full legal and documentary evidence of its accuracy, chain of custody, and permissible furnishing is provided.

Notification of the results of this investigation in writing within 30 days.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Netspend Corporation
State: TX

Complaint narrative:
I have been locked out of my XXXX  account since around XXXX XXXX. When I try to log in, the system says it can not verify my identity and instructs me to call customer service. I was locked out after trying to transfer money from my XXXX  card to my XXXX card so I could pay my rent due on XXXX. I have called multiple times, waited on hold for over an hour each time, and every call has ended with the system disconnecting me before I can speak to a representative. 

I also attempted to reach out via XXXX, where a representative told me to be patient, but did not offer any actual resolution or escalate the issue. I currently have nearly {$1000.00} in the account and need access to these funds immediately to pay rent, which is due tomorrow XX/XX/XXXX. 

This delay and lack of access is creating a financial hardship. I have done everything possible to resolve the issue, including verifying my card, attempting to link it to another account, and reaching out through every available channel. At this point, I am extremely concerned about the security and accessibility of my funds. 

I am requesting immediate assistance to regain access to my account and release of my funds.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear Jefferson Capital Systems Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report.

To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have 30 days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( XXXXXXXX XXXX XXXXXXXX ), if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with explanation