vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
Subject : Medical debt reported without validation FDCPA 1692g ( b ) and FCRA 1681 violations Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion Experian Equifax Complaint Narrative : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has violated the FDCPA and the FCRA, and the credit bureaus are reporting unverified medical information. 

The collector first contacted me on XX/XX/year>. Within the required 30-day period, I requested full validation under 15 U.S.C. 1692g ( b ). The collector did not provide validation and continued collection activity and reporting, which is a direct violation of 1692g ( b ).

After failing to respond within the 30-day validation window, the collector later sent me a generic billing statement that does not constitute validation. They did not provide : itemized billing dates of service location of service XXXX codes Explanation of Benefits ( EOB ) proof of insurance submission or denial consent-to-treat or financial responsibility agreement assignment of debt HIPAA authorization any documentation showing they have the legal right to collect The only document they sent was a payment demand letter with a balance summary, which is not sufficient validation under 1692g ( b ). Despite this, they continued reporting the account and continued collection activity.

Furnishing medical debt without validation is a violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FDCPA 1692f FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681i I disputed the account with TransUnion, Experian, and Equifax. All three credit bureaus reported the account as verified, but none of them disclosed the method of verification, the documents used, or the procedures followed. The bureaus appear to have relied solely on an automated e-OSCAR response rather than conducting a reasonable reinvestigation, which violates FCRA 1681i.

I have now formally requested the Method of Verification from each credit bureau because the collector failed to validate and can not legally verify medical debt without proper documentation. 

Requested Resolution : I am requesting : Removal of the medical collection account from all three credit bureaus due to non-validation and improper furnishing. 

A formal investigation into Designed XXXX XXXX, XXXX for FDCPA and FCRA violations. 

A requirement that the credit bureaus explain how they conducted their reinvestigation and what documents were relied upon. 

I have attached the document the collector sent me as validation, which does not meet the legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AZ

Complaint narrative:
Subject : Medical debt reported without validation FDCPA 1692g ( b ) and FCRA 1681 violations Company Complaints : XXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion Experian Equifax Complaint Narrative : I am filing this complaint because a medical collection account is being reported to all three credit bureaus without proper validation. The debt collector, XXXX XXXX XXXX XXXX XXXX, has violated the FDCPA and the FCRA, and the credit bureaus are reporting unverified medical information. 

The collector first contacted me on XX/XX/year>. Within the required 30-day period, I requested full validation under 15 U.S.C. 1692g ( b ). The collector did not provide validation and continued collection activity and reporting, which is a direct violation of 1692g ( b ).

After failing to respond within the 30-day validation window, the collector later sent me a generic billing statement that does not constitute validation. They did not provide : itemized billing dates of service location of service XXXX codes Explanation of Benefits ( EOB ) proof of insurance submission or denial consent-to-treat or financial responsibility agreement assignment of debt HIPAA authorization any documentation showing they have the legal right to collect The only document they sent was a payment demand letter with a balance summary, which is not sufficient validation under 1692g ( b ). Despite this, they continued reporting the account and continued collection activity.

Furnishing medical debt without validation is a violation of : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) ( A ) FDCPA 1692f FCRA 1681s-2 ( a ) FCRA 1681e ( b ) FCRA 1681i I disputed the account with TransUnion, Experian, and Equifax. All three credit bureaus reported the account as verified, but none of them disclosed the method of verification, the documents used, or the procedures followed. The bureaus appear to have relied solely on an automated e-OSCAR response rather than conducting a reasonable reinvestigation, which violates FCRA 1681i.

I have now formally requested the Method of Verification from each credit bureau because the collector failed to validate and can not legally verify medical debt without proper documentation. 

Requested Resolution : I am requesting : Removal of the medical collection account from all three credit bureaus due to non-validation and improper furnishing. 

A formal investigation into Designed XXXX XXXX, XXXX for FDCPA and FCRA violations. 

A requirement that the credit bureaus explain how they conducted their reinvestigation and what documents were relied upon. 

I have attached the document the collector sent me as validation, which does not meet the legal standards.

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 2025-11-18 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I received a text message regarding my apartment fees from a 3rd party debt collector and I immediately reached out for a settlement. I was told by this 3rd party collector that the lowest option was {$500.00} a month. Im an XXXX  student and Im unable to do that. She proceeds to explain that I should open a new credit line or apply for a loan. She proceeded to give me more information on what could happen if I dont pay them. ( XXXX points & trouble finding a place to live ) I asked her if she can give suggestions or share any info on how people have handled this being in my situation. I asked if people asked for an extended payment due date or if people ever hire attorneys. She rudely stated, if you cant afford to pay us, how can you afford a lawyer? 
That comment seriously felt degrading and I immediately asked to speak to a higher up. 
The other employee I spoke to after started off making very passive comments after every question I asked. I reminded him that offering me to take a loan out was unacceptable and he started being very rude and even raised his voice. He started saying things that I did not say. For example, he stated that I was not going to listen to anything they said. If the call was played back, I verbatim did not say any of those things. I asked to negotiate based on my current circumstances. He continued to raise his voice through out the entire call and even interrupted me to say, okay well, if youre not going to take any of these options, then Ill just put in your chart that youre not willing to pay us. 
That was entirely not true, I simply asked him if there was any type of monthly payments that I could take. The first employee told me 10 % down and {$500.00} a month. When I was transferred to the higher up employee, he stated that the lowest he could do was 50 % down and {$500.00} a month. He interrupted me again stating, If you cant afford at least 25 % in XXXX hours then it will be noted that you can not settle this debt. 
I then asked for everything to be documented and emailed to me. He then became condescending and stated, So instead of looking through your email from XXXX, you want me to send it again? 
Im simply trying to work things out with this 3rd party. I wish there was access to that recorded call. Its clear as day that I was being taken advantage of and verbally abused. I dont want to go further, but my rights were absolutely violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX XXXXXXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 am a consumer working to resolve discrepancies on my credit report. Below are the accounts in dispute. I am requesting that you review these entries for accuracy, as they appear to contain errors or incomplete information. The disputes are separated by credit bureau, as follows : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Multiple accounts that are completely unknown to me are appearing on my credit report under my name. I never opened, authorized, or managed these accounts, and their presence is a clear and unacceptable misrepresentation of my financial history. This mixed or erroneous reporting has caused serious concern and stress, and I take the accuracy of my credit profile very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
During XXXX, XXXX, I began receiving notices from credit reporting agencies about a derogatory statement in my credit report. The claimed amount due is {$110.00}. 

> The collection agency of record is Eastern Account Systems. I have received no notices of collection attempts from the firm. Nor has Eastern Account Systems responded to my inquiries pertaining to the alleged delinquency with an explanation or clarification of details. 

> The firm which Eastern Account Systems is acting on behalf of is XXXX XXXX XXXX I have been in contact with XXXX on several occasions. XXXX is unable to establish an association with an overdue account to my name, DOB, SSN or address. My most recent contract with XXXX terminated in XXXX, XXXX. 

I believe Eastern Account Systems has committed an error in an attempt to collect a past due debt as XXXX 's agent. My sentiment is that Eastern Account Systems is acting with unjustified malice constituting abuse, which the firm is unable to defend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
My XXXX brokerage account was suddenly restricted on XX/XX/year> without clear explanation. I immediately submitted all documents they requested, including government ID, bank statements, and full live-photo identity verification. Instead of restoring my access, XXXX later changed my account status from Restricted to Closing with no detailed reason provided. 

Since then, I have been repeatedly contacting XXXX regarding the return of my funds ( approximately {$18000.00} ). Each time, they only send the same generic message saying the refund XXXX take 30120 days and that they are working with my bank. However, there has been XXXX visible progress. 

Today is XX/XX/year>, which means it has already been 90 days since my account was restricted. I still have not received any updates, confirmation, or timeline for the return of my funds. 

What concerns me further is that XXXX continues to change my account status without explanation. Over the past several weeks, my account has switched in the following sequence : Restricted Closing Restricted Closing No one from XXXX explains why this is happening or what the actual issue is. From my perspective, it feels like XXXX is playing with my money instead of processing a legitimate refund. This inconsistent behavior makes me believe they are not properly handling customer funds or following a transparent investigation process. 

I rely on these funds for essential living expenses as an international student in the XXXX. This ongoing delay has caused serious financial stress and uncertainty. Approaching the XXXX limit they repeatedly mentioned, I still see no progress on the refund, no investigation results, and no explanation for the continuous status changes. 

I am filing this complaint because XXXX has not provided any meaningful response or resolution. I am requesting assistance from the CFPB to ensure that XXXX promptly processes the return of my funds and explains the inconsistent handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have tried multiple times over the past 5 years to transfer a business account out of my name that I have nothing to do with. Chase bank has failed to facilitate transfer of ownership and has no clear team to assist in the dispute. The rightful owners of the account have tried to assume liability and had made payments prior to other issues they had. When the payments got interrupted and the account became delinquent, Chase has made repeated debt collection attempts against myself, negatively impacted my credit on XXXX of the XXXX reporting agencies, closed my personal credit card accounts, and made it extremely difficult to find a resolution.

Company response to consumer: Closed with explanation