vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I went to XXXX XXXX for XXXX  care. At check-in, I provided my photo ID ( which included my address ), my phone number, and my XXXX insurance card. I never received a bill or any follow-up communication from the hospital or any billing agency after the visit. 

On XX/XX/XXXX, while reviewing my credit through a bank-sponsored monitoring service, I discovered a {$1600.00} medical collection reported by Lockhart Morris & Montgomery , Inc . This was the first notice I had ever received regarding this debt. 

I contacted the hospital and multiple billing entities, including XXXX XXXX XXXX and XXXX XXXX, who have handled XXXX  XXXX XXXX ( XXXX  ) billing. They confirmed that no address, phone number, or insurance information had been recorded in their system for my visit. The billing record listed a placeholder address XXXX XXXX, XXXX, XXXX  XXXX and my name was incorrectly recorded as XXXX XXXX XXXX instead of XXXX XXXX XXXX. 

In reviewing my medical records, I found that one page referenced the visit as a workers ' compensation claim. However, the billing company categorized it as self-pay and never filed a claim with my employer or with workers comp. They also never billed XXXX, despite my insurance information being provided during the visit. I have since confirmed with XXXX  that I had active coverage at the time of service and that no claims were ever submitted. 

I contacted Lockhart Morris & Montgomery , Inc., to ask about the collection and request documentation. They did not provide any paperwork validating the debt, denied being a debt collection agency, and instead asked me to pay {$1.00} to help fix the problem. This conduct appeared evasive and suspicious, and it raised concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

This collection is the result of serious administrative and billing errors. I was fully insured, and the hospital failed to process the information I provided or file a proper claim through workers comp or my insurer. I was never notified or given the opportunity to resolve the issue before it damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
To whom it may concern I am making a complaint against Equifax has on my credit profile I requested a Debt Validation I'm Dispute of Alleged Debt Related to XXXX XXXX To Whom It May Concern, This letter is being sent to you in response to a collection account you have placed and/or are attempting to collect from me, allegedly related to XXXX XXXX  ( XXXX ). This letter serves as a formal dispute of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Please be advised : 1. I do not have a contractual relationship with XXXX XXXX XXXX, and I do not recall entering into any agreement with XXXX XXXX that would permit you to collect on my behalf or share my personal information with a third party. 2. You are not the original creditor, therefore I am requesting full validation of this alleged debt, including but not limited to : A bill of sale or assignment agreement that clearly shows the chain of ownership, Transfer of assignment including proof that the debt was lawfully transferred to your company, not a generic document. A copy of the notice of assignment or sale, showing when and how the debt was transferred from XXXX XXXX to your agency ( XXXX  ). 3. I am also requesting documentation to determine the tax status of this alleged debt. If XXXX XXXX charged off or sold the debt, a Form 1099-C ( Cancellation of Debt ) may be applicable under IRS regulations . If the debt was forgiven or settled, that documentation must be provided. Until you provide the requested documents, I am formally requesting that you cease all collection activity, including reporting or re-reporting this account to the credit bureaus, as such actions could constitute a violation of the FDCPA and FCRA. Please be advised that if you continue to report this debt without proper validation, or if you furnish or re-furnish any information to any credit reporting agency that is inaccurate, I will not hesitate to pursue all legal remedies available to me, including filing complaints with the Federal Trade Commission ( FTC ), and State Attorney Generals office, and/or pursuing legal action. This is a request for debt validation made pursuant to 15 U.S.C. 1692g ( b ). If you are unable to provide the above documentation, you are required by law to delete this account from all credit reporting agencies and cease all further collection efforts. I've attached MY driver 's license, SS Card, and FTC reports for identity purposes. Thank you for your attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im trying to access my Experian account but i no longer have the phone number associated to that account and i no longer have that email. Ig i can get the account reset or update my email XXXX XXXX If this dont work then i would like my account deleted so i can make a new one im trying to unfreeze my credit account or social security number.

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 2025-06-24 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: CA

Complaint narrative:
In XXXX and XXXX I noticed an account on my credit report that I did not recognize. I submitted a formal dispute with the credit bureau ( s ) XX/XX/XXXX providing documentation and explaining that the account was not mine. I received no correction or proper investigation, and the inaccurate information remains on my credit report.

This has negatively impacted my credit score and caused me to be denied for credit. I followed all dispute steps under the Fair Credit Reporting Act ( FCRA ), and the bureau failed to properly respond or remove the error within the required 30-day window.

I am requesting immediate action to remove the inaccurate item ( s ) and a full investigation into the bureaus failure to comply with FCRA.

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 2025-06-24 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: CA

Complaint narrative:
In XXXX and XXXX I noticed an account on my credit report that I did not recognize. I submitted a formal dispute with the credit bureau ( s ) XX/XX/XXXX providing documentation and explaining that the account was not mine. I received no correction or proper investigation, and the inaccurate information remains on my credit report.

This has negatively impacted my credit score and caused me to be denied for credit. I followed all dispute steps under the Fair Credit Reporting Act ( FCRA ), and the bureau failed to properly respond or remove the error within the required 30-day window.

I am requesting immediate action to remove the inaccurate item ( s ) and a full investigation into the bureaus failure to comply with FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
EAS Collections Manager XXXX XXXX admitted they " ceased communications '' but refused to resolve the dispute, leaving an invalid collections claim open. This violates FDCPA 1692g ( debt validation ) and 1692c ( harassment ). 

Eastern Account System ( EAS ) violated the Fair Debt Collection Practices Act ( FDCPA ) by : 1. Failing to validate debt despite my providing : - XXXX account # XXXX XXXX XXXX - EAS reference # XXXX - Proof of returned equipment ( receipts attached ) 2. Harassing me for unnecessary personal data ( DOB/full address ) after I provided sufficient account identifiers. 
3. Ignoring documented proof of XXXX billing errors ( {$50.00} autopay discount owed and returned equipment ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inaccuracies on my credit report are creating significant stress and uncertainty, especially when it comes to using credit for essential needs.

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 2025-06-24 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. I looked at my 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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 supposed 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. 1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted. 1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report. " Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

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 2025-06-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are 2 payments on this account that should not be reported as late. There were technical difficulties when making payments attempts on the website. Reporting late payments is also a violation of US Code 1681b Exclusions; stating that a credit report should exclude transactions and experiences between the consumer and the person making the report. U.S. Code 1666b also states under an open end consumer plan, no payment should be deemed as late, for any purpose.

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 2025-06-24 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: Experian Information Solutions Inc.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-06-24 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XX/XX/XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation