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 is not yours
Company: Patient Accounting Service Center
State: NV

Complaint narrative:
Subject : Formal Complaint Disputed Medical Debt Sent to Collections Without Verification Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding the conduct of both XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and their debt collection agency, XXXX 
I have been in ongoing correspondence with XXXX XXXX since XX/XX/XXXX regarding a disputed medical bill totaling {$49000.00}. Despite multiple written requests submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX has failed to provide a XXXX form or verify the debt in the proper insurance-standard format. 
Instead, they sent me a document titled " XXXX '' which is not a XXXX or XXXX form XXXX 
Heres how you can tell : The XXXX ( XXXX ) XXXX the standardized institutional claim form used by hospitals. It includes form locators, diagnosis codes, revenue codes, and payer information, typically printed in red ink. 
The XXXX is used for outpatient and professional services and includes standardized insurance information, including provider NPI numbers and CPT codes XXXX 
The document XXXX XXXX sent is a hospital-generated internal itemized statement. While it lists dates, service codes, and charges, it lacks the standard format, fields, and structure of a XXXX or XXXX form XXXX It appears to be an internal accounting ledger, not a formal insurance claim or bill suitable for validating a debt. 
Despite this, XXXX XXXX sent my account to XXXX for collections. On XX/XX/XXXX, I formally notified XXXX in writing that the bill was in active dispute and requested verification of the debt. XXXXXXXX has continued collection activity and failed to provide verification, in apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and potentially Nevada consumer protection laws. 
I respectfully request CFPB intervention to : Halt all collection activity until the debt is properly verified. 
Ensure that XXXX XXXX provides a valid XXXX or XXXX formatted claim. 
Hold both XXXX and XXXX XXXX accountable for proceeding with debt collection without resolving the active dispute. 
Please see the attached documentation supporting my claims. I am available to provide any further information you may require.

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 information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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: EQUIFAX, INC.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I filed a dispute with Uber Pro Card for a transaction totaling {$39.00} from merchant XXXX that occurred on XX/XX/year>. On XX/XX/year> I inquired to Uber Pro Card customer support as to the status of this and why I had not received a provisional credit if they were going to take longer to resolve my dispute. I was told that I would receive a provisional credit from customer support and that the dispute department was not open at that time ( it was XXXXXXXX XXXX ) and that they are only open until XXXX XXXX. The next day, after seeing that I did not receive a provisional credit, I attempted to call again and was on hold for one hour and then told that the dispute department was closed for the day and to call back again tomorrow. I do not have time for this endless waiting on hold to talk to them. They are obviously not investigating and they never reached out to me via email or phone as was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 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: MI

Complaint narrative:
I submitted an identity theft report to Experian under FCRA 605B and requested that certain inaccurate information be blocked. Experian failed to block the items within the 4 business days required by law and is now in violation of FCRA.

In addition, I submitted a written request under FCRA 611 ( a ) ( 7 ) for the method of verification of the following inaccurate and fraudulent items still appearing on my report : Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please explain how any of these addresses have been verified when my current government issued ID has my current and accurate address. I can not be contacted from these addresses and I have updated my current address with the relevant creditors/furnishers. Therefore, any other addresses are invalid and inaccurate. 

Inaccurate Accounts : XXXX XXXX XXXX Experian has not provided thorough verification or documentation showing how these items were confirmed as accurate explaining their investigation procedures, name and phone number of the person ( XXXX ) contacted, and any other reasonable information deeming these accounts as accurate. As these items were included in my valid identity theft report and supporting documents, they should have been blocked immediately. 

I am requesting that the CFPB investigate Experians non-compliance and ensure immediate deletion/ blocking of the forementioned information and accounts in compliance with the FCRA and 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 2025-07-08 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: VA

Complaint narrative:
Theres a lease on my credit with XXXX XXXX XXXX, opened on XX/XX/year> with a balance of XXXX. I spoke to XXXXXXXX XXXX  and they say they dont see this account on my name. I called Experian today and opened a dispute. Thanks

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: Experian Information Solutions Inc.
State: RI

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 2025-07-08 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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 XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. There is also a fraudulent inquiry at XXXX XXXX on XX/XX/XXXX 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 account, or hard inquiry as reported. The aforementioned account, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account, and hard inquiry are the result of identity theft and fraud.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX I sent a certified letter in to Experian in which I was very upfront with what needed to be done instead Experian continues to do the opposite and what they want to do constantly violating my civil rights as well as consumer rights for 15 plus years Im currently seeking my attorney whom will be in touch with them very soon!!

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

1681c-2 ) that you, the Experian Credit Services , 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 NC XXXX ACCOUNTS : XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your slogan is to make sure that a lender or bank treats you fairly. Well, I havent been treated fairly, and I am again reaching out to this consumer protection agency for assistance. I find it redundant to explain my undeserved situation all over again, nevertheless all my written documents are attached to this dispute in contradiction of TransUnion and the XXXX XXXX XXXX XXXX. 

In sum, TransUnion has marked my credit report with an unfair and unjustified prejudicial comment involving a purchase that was financed through XXXX XXXX. This in effect has caused the XXXX XXXX XXXX XXXX to deny me a loan consolidation. This loan would have greatly improved my credit worthiness. 
In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Termination or Change dated XX/XX/year>, App. ID. XXXX there were reasons why my request was not approved. 

( XXXX ) - Serious Delinquency, is assumed to be the Synchrony/Care Credit although XXXX XXXX XXXX XXXX will NOT specifically state this is the reason for the denial. The XXXX XXXX XXXX XXXX will not specify the Serious Delinquency account. 
The remaining three details on the denial statement were the main purpose of the request for loan consolidation. One to lower the ratio of the revolving balances ( XXXX ) and two, lower the proportion of loan balances to loan amounts ( XXXX ). The length of time accounts has been established ( XXXX ) is ambiguous and indistinct. 

I have made it well-defined why the late payments were made and eventually ceased because I wasnt receiving any judicious communication with either the doctor at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, or Synchrony/Care Credit. I essentially had no other recourse but to end payments after all communication was ceased by both parties. After being harassed by XXXX XXXX after the payments became 120 days overdue, they offered me a less than amount owed settlement.

Attached are the following three documents.

( 1 ) Letter to TransUnion ( 2 ) Letter to the XXXX XXXX XXXX XXXX ( 3 ) Statement of Credit Denial, Termination or Change from the 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 non-monetary relief