vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: GA

Complaint narrative:
XX/XX/year>, debt collector trying to collect a medical bill which violates XXXX XXXX & per XXXX, its illegal to sell my medical information without written consent which I did not provide written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
Complaint Against : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Summary of Complaint : Equifax is willfully and negligently reporting multiple inaccurate, unverifiable, and potentially fraudulent accounts on my credit report dated XX/XX/year>. Despite numerous formal disputes and demands for verification, they continue to report this information without providing any documentary proof or valid responses from furnishers. Equifax has violated its obligation to conduct a lawful, reasonable investigation under the Fair Credit Reporting Act ( FCRA ) 1681i. 



Details of Disputed Accounts : 1. XXXX XXXX XXXX ( # XXXX ) No documentation of payment history or validation of reported late payments has been provided. 
2. XXXX XXXX XXXX  ( # XXXX ) Incorrectly reported as charged off. No documentation supporting this status has been provided. 
3. XXXX XXXX XXXX XXXX XXXX ( # XXXX ) Identity theft. I never opened this account. 
4. XXXX XXXX  ( # XXXX ) Reported as charged off with balance due ; no proof of charge off has been presented. 
5. XXXX XXXX ( # XXXX ) Same as above ; unverifiable charged-off status. 
6. XXXXXXXX XXXX XXXX  ( duplicated ) Same account is reported multiple times under slightly different identifiers and open dates, which is misleading and inaccurate. 
7. XXXX XXXX  ( # XXXX ) I requested payment history documentation for disputed missed payments and was ignored. 
8. XXXX XXXX XXXX ( # XXXX ) Debt ownership has not been proven. No documentation from the original creditor has been presented. 
9. XXXX XXXX XXXX ( # XXXX  XXXX ) I never had any contract or dealings with this collector. No proof of legal authority to collect the debt. 
10. XXXX XXXX XXXX ( # XXXX ) No documentation from the original creditor proving debt ownership or legal right to collect. 



Violations : Failure to conduct a reasonable investigation under FCRA 15 U.S.C. 1681i. 
Continuing to report information that is inaccurate and unverifiable. 
Repeatedly responding to disputes with vague, non-substantive outcomes. 
Potentially enabling identity theft by refusing to remove fraudulent accounts. 



What I Want From Equifax : Full, documented results of every reinvestigation, including all responses received from furnishers. 
Immediate deletion of any account that can not be fully verified with documentary proof. 
Cease reporting duplicate or fraudulent accounts. 
A written apology and confirmation of corrections or deletions made. 
Compensation for damages as permitted by FCRA 1681n and 1681o. 



Additional Notes : In light of the CFPBs own lawsuit against XXXX on XX/XX/year>, Equifax must be held to the same scrutiny and standards. Consumers have the right to accurate credit reporting and a genuine dispute process not automated, rubber-stamped responses that violate federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX Account : XXXX 1. XXXX has colluded with XXXX and weaponized litigation to evade regulatory accountability. Despite ongoing court proceedings and XXXX being sanctioned for similar behavior in other suits, they continue to : -Falsely report resolved XXXX and XXXX delinquencies. 
-Defame me in prior CFPB responses. 
-Ignore RESPA 's 30 day error resolution requirements. 
These acts are separate from litigation and demand independent CFPB action under 12 U.S.C. 5531 2. Post-Litigation Retaliatory Credit Reporting - New Issue : After filing your federal lawsuit ( XXXX ), Reliance began reporting me as delinquent despite know payment allocation errors. ( Exhibit A : XX/XX/XXXX Credit Report ) despite prior corrections. 
- Violation * FCRA 1681s-2 ( b ) ( retaliatory re-reporting of resolved disputes ). 
- Distinction : This retaliation occurred AFTER litigation commenced and was not raised in my initial complaint. 

3. Escrow Accounting Fraud ( XX/XX/XXXX Statements ) - New Evidence : Both XXXX and XX/XX/XXXX statements inflate payments by $ XXXXmonth, conflicting with : - approved partial claim agreement ( Exhibit B ). 
- XX/XX/XXXX escrow credit of {$610.00} ( Exhibit C ). 
- Violation : RESPA 2605 ( e ) ( failure to correct errors ) + XXXX XXXX ( deceptive practices ). 
- Distinction : These post-litigation statements were not part of original lawsuit. 

4. Harm & Requested Action - New Harm : Credit score dropped XXXX points ( Exhibit A ), blocking refinancing for your non-foreclosed personal home and business properties. 
- Demand : Order Reliance to reconcile escrow accounting and correct credit reports within 7 days. 
-Penalties for Defamation : Impose fines under 12 U.S.C. 5565 for misleading CFPB responses. 
-Ongoing Monitoring : Require quarterly audits of Defendants ' dispute processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX Account : XXXX 1. XXXX has colluded with XXXX and weaponized litigation to evade regulatory accountability. Despite ongoing court proceedings and XXXX being sanctioned for similar behavior in other suits, they continue to : -Falsely report resolved XXXX and XXXX delinquencies. 
-Defame me in prior CFPB responses. 
-Ignore RESPA 's 30 day error resolution requirements. 
These acts are separate from litigation and demand independent CFPB action under 12 U.S.C. 5531 2. Post-Litigation Retaliatory Credit Reporting - New Issue : After filing your federal lawsuit ( XXXX ), Reliance began reporting me as delinquent despite know payment allocation errors. ( Exhibit A : XX/XX/XXXX Credit Report ) despite prior corrections. 
- Violation * FCRA 1681s-2 ( b ) ( retaliatory re-reporting of resolved disputes ). 
- Distinction : This retaliation occurred AFTER litigation commenced and was not raised in my initial complaint. 

3. Escrow Accounting Fraud ( XX/XX/XXXX Statements ) - New Evidence : Both XXXX and XX/XX/XXXX statements inflate payments by $ XXXXmonth, conflicting with : - approved partial claim agreement ( Exhibit B ). 
- XX/XX/XXXX escrow credit of {$610.00} ( Exhibit C ). 
- Violation : RESPA 2605 ( e ) ( failure to correct errors ) + XXXX XXXX ( deceptive practices ). 
- Distinction : These post-litigation statements were not part of original lawsuit. 

4. Harm & Requested Action - New Harm : Credit score dropped XXXX points ( Exhibit A ), blocking refinancing for your non-foreclosed personal home and business properties. 
- Demand : Order XXXX to reconcile escrow accounting and correct credit reports within 7 days. 
-Penalties for Defamation : Impose fines under 12 U.S.C. 5565 for misleading CFPB responses. 
-Ongoing Monitoring : Require quarterly audits of Defendants ' dispute processes.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
CFPB Complaint Against XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX Account : XXXX 1. XXXX has colluded with XXXX and weaponized litigation to evade regulatory accountability. Despite ongoing court proceedings and XXXX being sanctioned for similar behavior in other suits, they continue to : -Falsely report resolved XXXX and XXXX delinquencies. 
-Defame me in prior CFPB responses. 
-Ignore RESPA 's 30 day error resolution requirements. 
These acts are separate from litigation and demand independent CFPB action under 12 U.S.C. 5531 2. Post-Litigation Retaliatory Credit Reporting - New Issue : After filing your federal lawsuit ( XXXX ), XXXX  began reporting me as delinquent despite know payment allocation errors. ( Exhibit A : XX/XX/XXXX Credit Report ) despite prior corrections. 
- Violation * FCRA 1681s-2 ( b ) ( retaliatory re-reporting of resolved disputes ). 
- Distinction : This retaliation occurred AFTER litigation commenced and was not raised in my initial complaint. 

3. Escrow Accounting Fraud ( XX/XX/XXXX Statements ) - New Evidence : Both XXXX and XX/XX/XXXX statements inflate payments by $ XXXX/month, conflicting with : - approved partial claim agreement ( Exhibit B ). 
- XX/XX/XXXX escrow credit of {$610.00} ( Exhibit C ). 
- Violation : RESPA 2605 ( e ) ( failure to correct errors ) + XXXX XXXX  ( deceptive practices ). 
- Distinction : These post-litigation statements were not part of original lawsuit. 

4. Harm & Requested Action - New Harm : Credit score dropped XXXX points ( Exhibit A ), blocking refinancing for your non-foreclosed personal home and business properties. 
- Demand : Order Reliance to reconcile escrow accounting and correct credit reports within 7 days. 
-Penalties for Defamation : Impose fines under 12 U.S.C. 5565 for misleading CFPB responses. 
-Ongoing Monitoring : Require quarterly audits of Defendants ' dispute processes.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise debt collection had been calling me and I didn't answer at first because I thought it was spam. After they kept calling, I did research and found out it was legit so I called them and asked to receive verification that the debt was mine. After this call, I never received any information, only more calls. So then, I wrote out a letter from myself requesting a debt verification letter on XX/XX/year> along with a message requesting they confirm they received the notice. They responded with an email requesting I provide them some identification information with the end of their email saying, This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. I decided not to respond since my original letter states, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. In addition to their email explicitly stating they will use information given after my request for verification and to cease and desist, for the purpose of attempting to collect a debt, they have also attempted to call me again today ( XX/XX/year> ) at XXXX XXXX.. If I'm correct, their actions after receiving my debt verification request letter violates my rights provided within the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXXXXXX my checking account was negativXXXX XXXX XXXXXXXX and I had {$6.00} in my spot me account. I deposited {$380.00} into my checking account, {$280.00} went into my checking account and the remaining {$100.00} went into my spot me account. I then paid my car payment no issue. Mind you my spot me was lowered from either $ XXXX {$110.00} to now {$5.00} already at this time. As of today XX/XX/XXXXXXXX XXXX XXXX I went to walgreens and did a cash deposit of {$100.00}, I received notification on the chime app that {$100.00} has posted to the account literally minutes after making the deposit. XXXX later I arrive home and see that chime TOOK my {$100.00} and applied it to my negative balance oXXXX XXXX XXXXXXXX, leaving my account still negativXXXX XXXX XXXX XXXX they are claiming that because my spot me balance was lowered from $ XXXX {$110.00} to {$5.00}!! That is the reason they took the whole thing. Mind you Ive had chime for YEARS! Ive had spot me for YEARS! Ive went longer than this without a direct deposit and they NEVER lowered my spot me down to {$5.00} and they NEVER applied ANY deposit whatsoever to clear a negative balance without it being available in spot me! I have NEVER had chime take my money! NEVER! Now they have no answer for me as to WHY they did not take the {$380.00} XXXX deposited 2 days ago but NOW want to take my {$100.00} XXXX deposited today! I am FURIOUS I was supposed to pay my electric bill and have gas to pick my child up from school and I get an oh well from chime and I want my money back NOW! XXXX XXXX OF THEIR GAMES! They claim the reason why they took it but did not take the previous payment! They are XXXX  and scammers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Issue Summary : Genesis Credit Management is reporting a joint debt on my credit report and has consistently refused to honor a previously agreed settlement, making it nearly impossible for me to resolve the account despite good faith efforts.

Details : In 2023, Genesis Credit Management offered me a settlement to pay half of a joint lease debt, recognizing that my former partner ( who also signed the lease ) was equally responsible. I was temporarily unable to pay the agreed amount due to financial hardship but communicated this clearly and continued to follow up over time.

I have since saved the amount needed to meet that original settlement. However, when I contacted Genesis, I was told that their policies had changed and that full payment is now required. I provided them with updated contact information for the co-signer and explained that I am a single mother with no financial help from him. Still, they have refused to work with me, offer any flexible options, or provide written documentation of their stance.

They are now threatening legal escalation and reporting the debt as solely mine, despite it being a shared obligation. I have sent a certified letter, submitted email correspondence, and documented phone calls in an attempt to resolve the matter responsibly. They replied to my email stating they do not negotiate via email, pushing me back to phone callswhere there is no accountability or follow-up in writing.

Requested Resolution : Investigate Genesis Credit Managements handling of this account. 
Confirm whether their reporting practices are accurate and compliant, considering the joint nature of the debt and my repeated efforts to resolve it. 
Require that they either honor the prior settlement offer or provide written documentation explaining their refusal. 
Request they provide clarity on whether they intend to pursue the co-signer equally or are improperly holding me fully accountable. 

I am doing everything within my power to resolve this account, and their lack of cooperation and shifting terms are making it unreasonably difficult to settle in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TN

Complaint narrative:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assures maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any 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 ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any in formation relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please remove these unauthorized inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief