vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Complaint Regarding Misclassified Medical Debt and Improper Billing by XXXX XXXX Dear CFPB Representative, I am filing this complaint regarding an improperly handled medical debt from an ambulance transport that occurred in XX/XX/XXXX. 

Summary of Events : I was transported to the XXXX XXXX XXXX in XX/XX/XXXX. At the XXXX I provided both of my health insurance policies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The ambulance service billed only XXXX XXXX XXXX XXXX and failed to bill XXXX, despite having been provided that information at the time of service. As a result, I was wrongfully assigned a balance of {$3800.00}, which has since been sent to collections. On XX/XX/XXXX, the collection agency reported this debt to the credit bureaus and caused a significant drop in my credit score. I recently reviewed my credit report and found that the collection agency has misclassified the debt as an automotive debt, which is both inaccurate and misleading. This debt clearly stems from a medical emergency. 

Actions Taken by Me : I contacted the ambulance company and the debt collector to dispute the charges and requested they submit the claim to XXXX, which they failed to do originally. 
I provided documentation showing proof of my XXXX coverageat the time of service. 

Despite these efforts, the collection remains on my credit report and has been reported incorrectly. I am concerned this may constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to the failure to accurately report the nature of the debt and the improper billing practices that caused it. 

Requested Resolution : * Immediate investigation into the ambulance billing practices and their failure to bill the correct insurance. 
* Removal or correction of the {$3800.00} debt from my credit reports. 
* Enforcement of accurate credit reporting standards for debt collectors, especially regarding medical debt misrepresentation. 

Please find attached relevant documentation, including proof of insurance, collection notices, and excerpts from my credit report showing the misclassification. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information that remains on my credit report, which the credit reporting agency has falsely verified. 

I previously disputed multiple accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as inaccurate and unverifiable. However, the credit reporting agency merely confirmed with the furnisher, without providing any documentation supporting the debtsuch as a signed contract or itemized billing statement as required by FCRA 611 ( a ) ( 7 ). 

Ive attached a copy of the credit report showing inconsistent data across all three bureaus, including differing date last active, credit limits, and comments related to dispute resolution. These inconsistencies suggest unreliable or incomplete recordkeeping, and further support the claim that the accounts were not properly verified. The bureaus continued reporting this account despite failing to provide evidence upon request. 

Under FCRA XXXX ( a ) ( XXXX ), unverifiable or inaccurate information must be deleted. Their failure to do so violates my rights. I respectfully request the CFPB to initiate an investigation and require the credit reporting agency to : Remove the XXXX XXXXXXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Provide an explanation for how they verified the account without documentation ; Ensure full compliance with FCRA guidelines in future dispute resolution efforts.

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 2025-07-08 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
BY XXXX XXXX I VERIFIED IN MY ACCOUNT A TRANSACTION OF A PURCHASE OF XXXX IN MY ACCOUNT IN A XXXX XXXX BY A PERSON NAMED XXXX, I IMMEDIATELY CALLED AMERICAN EXPRESS AND TOLD HER THAT I DO NOT AUTHORIZE ANYONE TO MAKE ANY PURCHASE FROM MY CREDIT CARD THAT THAT TRANSACTION WAS FRAUDULENT, THEY INFORMED ME THAT SHE WAS AUTHORIZED ON THE ACCOUNT AND THAT THEY HAD SENT A CARD TO HER ADDRESS DIRECTLY, A SENDING THAT WAS MADE WITHOUT MY KNOWLEDGE OR AUTHORIZATION, VIOLATING MY CONSUMER RIGHTS AMERICAN EXPRESS, GIVING ACCESS TO MY ACCOUNT TO A PERSON I DO NOT KNOW. 
THEY TOLD ME THAT THEY COULD NOT STOP THE TRANSACTION. JUST 1 HOUR AFTER THE TRANSACTION AND TRANSFERRING ME TO THE FRAUD DEPARTMENT, THEY CREATED A REPORT WHERE I HAVE PROOF THAT AFTER THE INVESTIGATION THEY SENT ME THE EMAIL THAT THE PURCHASE CHARGE WAS GOING TO BE RETURNED TO MY ACCOUNT IN THE NEXT BANK STATEMENT, THAT BALANCE WAS NEVER REFLECTED BACKWARDS AND NOW THEY TELL ME THAT I MUST PAY THEM unfairly, PLEASE HELP ATTACH THE EVIDENCE WHERE THEY AFTER THE INVESTIGATION AND THE ERRORS THEY MADE SAID THAT THEY WERE GOING TO RETURN THE BALANCE TO ME IN THE NEW BANK STATEMENT AND IT WAS NOT SO, I FEEL DECEIVED AND FRUSTRATED BY A SITUATION WHERE AMERICAN EXPRESS IS RESPONSIBLE, BECAUSE THE CHARGE WAS IMMEDIATELY MADE I CALLED AT ONCE AND THEY DID NOT WANT TO RETURN THE PAYMENT. EVEN SO THEY DO THE INVESTIGATION AND THEN THEY TELL ME THAT THE MONEY WILL BE REPLACED IN MY ACCOUNT AND IN THE NEXT BANK STATEMENT AND THEY DID NOT DO IT. ATTACH IS ALL THE EVIDENCE OF MY CONVERSATION WITH THEM AND THE RESOLUTION OF THE INVESTIGATION. I JUST WANT TO NOT HAVE LATE PAYMENT REFLECTED IN MY PAYMENT HISTORY, MUCH LESS TO HAVE A DUE BALANCE. ATTACH MY FTC REPORT AND COMPLAINT TO AMERICAN EXPRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( XXXX  ) 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  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ SXXXX XXXX XXXX ] Account Number : [ 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 2025-07-08 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: FL

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

1681c-2 ) that you, the Experian Credit XXXX XXXX XXXX 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 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 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 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 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 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 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 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 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 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I checked my XXXX XXXX XX/XX/year> and seen a card account had been opened and used. I called the company for additional information but all they kept telling me was was that I needed to make a payment Ive tried telling them I had no knowledge of this account and they just kept giving me payment options or transferring me to someone else and I still wasnt able to talk to the person I needed to I got transferred over and its just kept ringing so Im reaching out to you guys for additional help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( XXXX  ) by not responding to my mailed disputes and not conducting a required investigation into inaccurate and unauthorized information on my credit report. 

On XX/XX/XXXX, I mailed a dispute letter to Equifax disputing several inaccurate negative accounts, unauthorized hard inquiries, and incorrect personal information listed on my credit report. My dispute included all necessary verification documents to prove my identity, as required under FCRA guidelines. 

According to FCRA Section XXXX ( XXXX U.S.C. XXXX ), credit reporting agencies must conduct a reasonable investigation within XXXX  days of receiving a dispute from a consumer. However, Equifax never responded to my dispute or conducted any investigation, as required by law. 

To resolve the matter, I sent a second dispute letter on XX/XX/XXXX, once again providing the required documents and requesting reinvestigation of the same inaccurate items. To date, Equifax has failed to respond to either of my letters, demonstrating a clear neglect of its legal obligations under the FCRA. 

XXXX. Inaccurate Account Reporting XXXX - XXXX This account is incorrectly reported as derogatory, even though the payment status shows as Current, and the payment history contains inconsistencies. This violates FCRA Section XXXX ( a ) ( XXXX ), which requires that all information furnished to a consumer reporting agency must be accurate and complete. I request the immediate removal of the derogatory remark and a positive update. 

XXXX XXXX - XXXX This is a disputed collection account. Under the FDCPA, the original creditor is required to provide documentation validating the debt. No such documentation has been provided to me. Furthermore, the account fails to meet the standards of FCRA accuracy and verifiability. Therefore, I request its full deletion from my credit report unless properly validated. 

XXXX. Unauthorized Hard Inquiries These inquiries were not authorized by me and must be removed from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX These inquiries violate FCRA Section XXXX, which states that a credit inquiry must have a permissible purpose. I never gave consent for these inquiries XXXX. Incorrect Personal Information The following addresses are not associated with me and must be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IN XXXX These errors increase the risk of misidentification and credit profile confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
Dear Transunion XXXX Department, Im writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. Under XXXX USC XXXX this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX / XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( XXXX ), including : FCRA XXXX ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard. 
FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA XXXX ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX, I accidentally sent money through Cash App to the wrong recipient. I realized the mistake immediately and contacted Cash App support right away. I provided all the necessary details and reference numbers : XXXX, XXXX, XXXX, and XXXX. 

Despite my prompt report, Cash App failed to offer any assistance in retrieving the funds or contacting the recipient. I was met with unhelpful, generic replies and no clear resolution process. I asked for guidance, escalation options, and recovery procedures, but received no actionable support. 

I believe Cash App 's handling of this matter is negligent and dismissive. I am filing this complaint in hopes of finally receiving help recovering the money that was wrongfully sent and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: MD

Complaint narrative:
Subject : Formal CFPB Complaint XXXX Account Needs Complete Correction To the Consumer Financial Protection Bureau, I am filing this complaint against Experian, Equifax, and TransUnion regarding the inaccurate and incomplete handling of the XXXX XXXX account on my credit report. 

Despite previous disputes, all three bureaus continue to show false late payments. Worse, instead of removing the errors, they have simply moved the late notations to different months. This is not a correctionits manipulation. 

Additionally, all three bureaus show blank or missing fields like credit usage, balance, monthly payment, and worst status. These 'ND ' or greyed-out areas make it impossible to understand the actual condition of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CBC Companies, Inc.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 IL XXXX INQUIRIES : XXXX  Date : XX/XX/year>

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 2025-07-08 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: MI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief