vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: NC

Complaint narrative:
I am disputing a medical debt that was sent to collections without proper billing and without giving me a fair opportunity to submit the claim through my insurance. 

Original provider : XXXX XXXX XXXX XXXX, XXXX Debt buyer : XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Management Company Date of service : XX/XX/2024 Amount : {$1200.00} I did receive a short summary bill in XX/XX/2024, but I was never provided a required itemized medical bill. I believed the matter was resolved because I later contacted my insurance company and was told that the visit showed as paid. 

I later learned that XXXX XXXX XXXX XXXX never submitted a provider claim to my insurance, and I was also never informed that they were out-of-network. Because of this failure by the provider, I never received a proper explanation of benefits tied to their charges. 

I stopped receiving notices and had no reason to believe any balance remained. I only became aware of this alleged debt after it had already been sent to collections. 

As soon as I learned of the debt, I immediately began disputing it and requesting the itemized bill so I could submit it properly to my insurance. Despite repeated requests, the original provider has still failed to supply the required itemized bill. 

I submitted a written dispute to the collection agency as the authorized agent for the debt buyer. The debt remains unvalidated, and collection activity was initiated without proper billing documentation. 

This is improper medical billing, failure to submit insurance properly, and improper debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX - XXXX * * * * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Please review the attached materials ; the questions were submitted unexpectedly and may not have been authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: FL

Complaint narrative:
I submitted multiple requests for a federal public assistance forbearance on my student loans through the servicers upload portal : XXXX : Uploaded an initial request. It was processed but denied due to " assistance expiring, '' which was incorrect because my public assistance had a renewal date of XXXX. I confirmed this with chat representatives. 

XXXX : Uploaded another request. Some chat representatives stated they saw my documentation and placed it in a backroom order to have it reviewed, while others said it could not be found. The request was ultimately denied due to a near reapply date. 

XXXX : Uploaded a third request with an updated public assistance approval letter. Again, chat representatives gave conflicting responsessome said they saw it, others said it was not found. The request was denied for the same reason. 

XXXX : No chat representative can see any of my previous uploads, and I was told they can not assist me. I have submitted ANOTHER request for forbearance due to financial public assistance and have screen shots this time. I also submitted a letter reexplaining all of this to Ed Financial, and they should have chat reports where I have contacted the agency regarding this same issue multiple times. Please request these and read the chat reports for proof of my claim. I have also filed a report with the Ombudsman and the report number is XXXX. 

Each time, I followed the required procedures, uploaded all necessary documentation, and spoke with customer service to confirm receipt. Despite my eligibility, the company repeatedly failed to process my requests properly, creating a pattern of mismanagement and preventing continuous forbearance, which has caused ongoing difficulty managing my loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Denali Capital Holdings, LLC
State: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting & Improper Account Transfer XXXX XXXX / Delani Capital To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX and the subsequent transfer of my loan to Delani Capital. My consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) have been violated because of inaccurate reporting and improper handling of my account.

1. Inaccurate Credit Reporting XXXX XXXX is reporting late payments that are factually incorrect. These late payments continued to be reported even after the account was transferred to Delani Capital. This is a violation of the FCRA, which requires furnishers to report only accurate and complete information.

2. Improper Handling of Account Transfer XXXX XXXX transferred or sold the account to Delani Capital, yet continues to report negative activity and claims that I remain obligated to pay them. 
If the account has been sold, XXXX XXXX should no longer be updating or reporting new derogatory information. 

If the account was assigned but not sold, they are required to : Provide written validation Ensure reporting is accurate and up-to-date Not misrepresent who owns or services the debt Their failure to properly communicate the status and ownership of the account may constitute an FDCPA violation regarding misrepresentation of the debt and my obligations.

3. Improper Collection Conduct Because of the contradictory information provided about who owns the debt, and because XXXX XXXX continues to report inaccurate late payments, I believe my rights under the FDCPA have been violated. These actions may constitute deceptive and unfair collection practices.

4. Requested Relief I am requesting : A full investigation into the accuracy of the credit reporting.

Removal of all inaccurate late payments.

Clarification of ownership of the account and correction of reporting to reflect the correct status.

Enforcement action if violations of the FCRA or FDCPA are confirmed. 

I am requesting that the CFPB assist in resolving these issues, as the actions of XXXX XXXX and Delani Capital have caused significant harm to my credit profile and have misrepresented my legal obligations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX Account # XXXX This account is being reported inaccurately. I request verification of the information or removal if it can not be validated. 

XXXX  XXXX Account # XXXX This reporting appears inaccurate. Please verify all account details. 

XXXX Account XXXX XXXX This account shows different information across bureaus. I request verification or removal if it can not be confirmed. 

2. Inquiries The following inquiries were not authorized by me and should be investigated : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> ( duplicate ) XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize these inquiries.

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 2025-12-04 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: NC

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts that I believe to be inaccurate on my credit report. Please investigate the information below, as I believe these accounts are incorrectly reported. 

Charged Off 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

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 submitting this complaint because certain items on my credit reports appear inaccurate, incomplete, or unverifiable. I request that the CFPB ensure each credit bureau conducts a proper investigation under the FCRA and removes or corrects any items that can not be fully verified. 
Charged-Off Accounts No charged-off accounts are currently listed for dispute on Equifax. 

Hard Inquiries I dispute the following inquiries as unauthorized or inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request verification of permissible purpose for each inquiry. If verification can not be provided, these inquiries should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-04 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:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

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 2025-12-04 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: Experian Information Solutions Inc.
State: MI

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 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 2025-12-04 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXXXXXX XXXX  Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$940.00}

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PREFERRED CREDIT INC
State: UT

Complaint narrative:
Ive got multiple items on my credit report that are 7-9 years old. Ive done everything to get them taken off and no action is ever taken. Im a XXXX  XXXX  trying to get a house and start my life and Im being scared by the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX - Account No. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXX - Account No. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account No. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account No. XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} Inquiries : I am disputing the following inquiries on my Equifax credit report : XXXX - Date : XX/XX/XXXX AMERICANCR - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Equifax credit report : XXXX XXXX - Account No. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Account No. XXXX XXXX XXXX XXXX XXXX  XXXX - Account No. XXXX XXXX XXXX XXXX XXXX XXXX - Account No. XXXX XXXX XXXX XXXX XXXX XXXX - Account No. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CL Holdings LLC
State: NY

Complaint narrative:
Please know in Jefferson Capital is reporting a fraudulent account in my credit. I didnt open this account nor did I authorize anyone to do something on my behalf. Please remove Jefferson Capital from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief