vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
TSI, acting as a debt collector, is attempting to collect payment for ambulance services rendered while I was experiencing documented medical emergencies. The underlying creditor, XXXX XXXX XXXX Department, has repeatedly refused to properly submit these charges to my health insurance carrier for payment, despite my having provided valid insurance information on multiple occasions.

The ambulance companys refusal to process the claim through insurance constitutes a billing error and a failure to comply with applicable state and federal healthcare billing standards. Instead, the company has transferred or sold the alleged debt to collections.

The debt collector, TSI, has engaged in persistent and unwanted communications via telephone calls, text messages, and emails, despite being notified that the debt is disputed and that the charges should be billed through my insurance. These repeated communications have caused undue stress and may constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ), which prohibits harassing, deceptive, or unfair collection practices, as well as the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) should any adverse reporting occur related to a disputed debt.

This complaint is being filed to document the improper handling of a medical billing dispute, the failure to utilize valid insurance coverage, and the continuation of unlawful collection activity related to an unverified and disputed medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

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 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 2025-10-30 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: FL

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 explanation
Consumer complaint received 2025-10-30 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: IN

Complaint narrative:
I am writing to formally dispute certain items on my credit reports that I believe to be inaccurate. Below are the details of the accounts I am disputing across the three credit bureaus. I am requesting a full investigation and correction of these items in compliance with the Fair Credit Reporting Act ( FCRA ). 

Experian XXXX XXXX Accounts  XXXX. XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$190.00} Dispute Reason : I believe this account is inaccurately reported, and I request that you investigate and remove or correct this entry. 

Inquiries XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX  XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This late payment appears to be inaccurately reported. Please verify this information and correct it if necessary.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
My protected veteran and workers compensation funds were wrongfully released from my XXXX XXXX XXXX XXXX account due to a garnishment order related to Case # XXXX ( XXXX XXXX, GA ). 

Details : I am a XXXX veteran whose only income comes from VA XXXX compensation and workers compensation benefits. These funds are exempt from garnishment under 38 U.S.C. 5301 and O.C.G.A. 18-4-6 ( a ) ( 2 ). Despite this, XXXX XXXX XXXX XXXX allowed a debt-collection law firm ( Lloyd & McDaniel , PLC ) to withdraw my protected funds. 

After the funds were taken, XXXX XXXX sent me a letter acknowledging that my deposits are veteran-protected, which confirms that the release occurred in error. The bank failed to comply with 31 C.F.R. Part 212, which requires automatic protection of federal benefit deposits from garnishment. 

I am requesting the CFPBs assistance in requiring XXXX XXXX to reimburse the wrongfully released funds, review its compliance procedures, and ensure that my account is properly flagged as containing federally protected income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this dispute regarding a collection account from your organization that has recently appeared on my credit report. This is the first notice I have received concerning this alleged debt, as I was never contacted prior to its reporting to the credit bureaus. I question the validity and accuracy of this claimed obligation entirely. Under federal consumer protection statutes, I am entitled to receive complete verification of any debt before it can be legitimately collected or reported. I am hereby demanding that you furnish comprehensive documentation substantiating this account, including the original creditor information, a complete payment history, and proof of your authority to collect on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: MO

Complaint narrative:
Let me be real clear with you Im DONE playing with yall. This is now the THIRD time Ive lawfully disputed the following account ( s ), and you continue to report this XXXX on my credit profile : XXXX XXXX  - XXXX, XXXX - XXXX 15 USC 1692g ( b ) : Debt Validatio

n 15 USC 1681i ( a ) ( 5 ) : Deletion of Erro rs Heres whats happened so far : Round One : You got my legal notice and IGNORED it. Round Two : I sent a second formal demand you IGNORED it AGAIN . Round Three : This is your FINAL legal notice, and this time Im not bluffing. You have FAILED to : Provide LEGAL proof of verification Delete UNVERIFIED and INACCURATE information Follow the LAW youv e willfully kept reporting false shit on my file At this point, your willful
non-compliance is a straight-up violation of federal law, and Ive had enough.

I AM NOW ESCALATING THIS MATTER TO : 1 of 2 Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Office of the Sta
te Attorney General Every media outlet and consumer watchdog group I can find And trust me Im not stopping there.

Ive already retained legal counsel, and I WILL be filing suit for damages under : 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) 15 U.S.C. 1692k ( FDCPA violations ) So just know you WILL be held fully liable for : ALL damages Court costs Attorneys fees Any other relief the court sees fit

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 2025-10-30 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: LA

Complaint narrative:
I have previously disputed multiple inaccurate and unverified accounts, inquiries, and personal information with the credit bureaus. Despite submitting proper disputes and supporting documentation, these items continue to appear on my credit report without any verification of accuracy or ownership. 

Several accounts were reported with inconsistent balances, duplicate listings, and unverifiable payment histories. Inquiries remain on file even though there has been no evidence of permissible purpose. In addition, outdated and incorrect personal information such as old addresses and employers continues to be reported, even after multiple requests for correction. 

The bureaus failed to provide proper verification from the data furnishers within the allowed investigation period, yet the accounts remain. This ongoing reporting of unverified information is causing continued damage to my credit profile and does not comply with FCRA accuracy and reinvestigation requirements. 

I am requesting a complete reinvestigation and deletion of all accounts, inquiries, and personal data that can not be verified with documented proof from the original furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Today ( XX/XX/25 ), I contacted Navy Federal Credit Union regarding my credit card account, ending in [ Last XXXX digits : XXXX ]. I am experiencing a significant and documented financial hardship due to a protracted and contentious divorce. As a result, I have become the sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Due to this hardship, I have fallen XXXX months behind on my Credit card AND auto loan payments with Navy Federal and am unable to maintain the current monthly payment amount. I proactively called Navy Federal to request enrollment in a hardship assistance program, such as a lower interest rate, a reduced payment plan, or a temporary forbearance. 

The customer service representative I spoke with ( XXXX XXXX XXXX, after completing a hardship intake over the phone informed me that I do not qualify for any hardship program. When I asked the representative to explain what specific criteria I failed to meet, she stated that she was " not allowed to disclose that information. '' I believe this lack of transparency is unfair and prevents me from understanding how to resolve my situation. I am being proactive in seeking a solution to manage this debt and avoid further delinquency or charge-off, but Navy Federal is refusing to work with me or provide a reason for the denial. 

My goal is not to avoid my debt, but to find a manageable solution during this temporary crisis. I am seeking a good-faith resolution, such as : -A temporary reduction in my interest rate. 

-A modified payment plan with lower monthly payments. 

-A temporary forbearance or hardship plan that would allow me to get back on my feet. 

Navy Federal 's refusal to provide assistance or a clear reason for the denial has left me with no path forward and exacerbates my financial distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I submitted formal written disputes to Experian, TransUnion, and Equifax on XX/XX/XXXXXXXX  regarding multiple inaccurate and outdated accounts that continue to appear on my credit reports. 

The accounts include : - XXXX XXXX XXXX XXXX multiple 3060 day late payments reported from XXXX, even though the account is now current and in good standing. 
- XXXX XXXX XXXX XXXX  accounts ( XXXX XXXX XXXX ) charged off but since paid or settled ; they continue to report as derogatory with balances. 
- XXXX XXXX / XXXX XXXX a collection account for approximately {$2100.00} that has been or will be settled under a pay-for-delete agreement but still appears on my reports. 
XXXX Department of Education XXXX XXXX old 120-day delinquencies remain, even though the loans are now current and reported in good standing. 

Despite providing documentation and requesting reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), these inaccurate entries have not been corrected within the required 30-day period.

I am requesting the CFPBs assistance in ensuring that all three credit bureaus and the furnishers promptly remove or correct these inaccurate and outdated derogatory items and confirm the changes in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
I submitted formal written disputes to Experian, TransUnion, and Equifax on XX/XX/XXXXXXXX  regarding multiple inaccurate and outdated accounts that continue to appear on my credit reports. 

The accounts include : - XXXX XXXX XXXX XXXX multiple 3060 day late payments reported from XXXX, even though the account is now current and in good standing. 
- XXXX XXXX XXXX XXXX  accounts ( XXXX XXXX XXXX ) charged off but since paid or settled ; they continue to report as derogatory with balances. 
- XXXX XXXX / XXXX XXXX a collection account for approximately {$2100.00} that has been or will be settled under a pay-for-delete agreement but still appears on my reports. 
XXXX Department of Education XXXX XXXX old 120-day delinquencies remain, even though the loans are now current and reported in good standing. 

Despite providing documentation and requesting reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), these inaccurate entries have not been corrected within the required 30-day period.

I am requesting the CFPBs assistance in ensuring that all three credit bureaus and the furnishers promptly remove or correct these inaccurate and outdated derogatory items and confirm the changes in writing.

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 2025-10-30 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-30 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: TX

Complaint narrative:
This account is the direct result of identity theft and must be permanently blocked and deleted under FCRA 605B. You are legally required to remove all information resulting from identity theft once notified and provided documentation. Furthermore, under 611, you must conduct a full reinvestigation and verify the accuracy of this data directly with the original creditor. If the account can not be verified with legally admissible proof of ownership and authorization, it must be immediately deleted. Failure to comply within the required time frame constitutes willful noncompliance and subjects your agency and furnishers to statutory damages under federal law.

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 2025-10-30 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: TX

Complaint narrative:
This account is the direct result of identity theft and must be permanently blocked and deleted under FCRA 605B. You are legally required to remove all information resulting from identity theft once notified and provided documentation. Furthermore, under 611, you must conduct a full reinvestigation and verify the accuracy of this data directly with the original creditor. If the account can not be verified with legally admissible proof of ownership and authorization, it must be immediately deleted. Failure to comply within the required time frame constitutes willful noncompliance and subjects your agency and furnishers to statutory damages under federal law.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 
I want the CFPB to publish this This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this

Company response to consumer: Closed with explanation