vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the inaccurate reporting of a debt on my credit report by L J ROSS ASSOCIATES. I originally incurred a debt with XXXX XXXX, which I fully paid on XX/XX/year>. However, despite my payment, L J ROSS ASSOCIATES reported this account as a collection item on my credit report, negatively impacting my credit score.

Upon discovering this, I contacted L J ROSS ASSOCIATES to request the removal of the negative item, as I had already satisfied my obligation to the original creditor. Instead of removing the account, they marked it as paid, which does not rectify the damage caused to my credit profile. Since I never owed the collection agency directly, this reporting is misleading and unfairly affects my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I formally request that this collection account be deleted entirely from my credit report, as it is an erroneous and unfair entry. 

I have attached the following supporting documents for your review : Proof of payment to the original creditor A copy of my credit report showing the reported collection Any correspondence with [ Collection Agency Name ] regarding this matter I kindly request the CFPB to investigate this matter and ensure that [ Collection Agency Name ] adheres to the proper credit reporting standards. Their failure to remove the collection entry despite my full payment is causing undue harm to my financial standing. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: TX

Complaint narrative:
I am insisting on the immediate removal of these inaccurate and misleading items from my credit report. These entries violate several provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 609 ( c ), you are required to provide a summary of my rights, including my right to dispute these inaccuracies. I expect this to be processed immediately.

Section 611 ( c ) mandates that if any disputed information is deleted or corrected, you must notify all parties who received my credit report in the last XXXX months ( or XXXX years for employment purposes ). I expect this notification to be handled without delay.

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 2025-03-28 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: MI

Complaint narrative:
On a prior CFPB complaint XXXX to Equifax regarding an investigation for incorrect credit report for incomplete and inaccurate information. Equifax reported that all information was complete and accurate for account syncb/paypal account number XXXX under my dispute via Equifax portal ( Confirmation number : XXXX ) yet on this account on XX/XX/XXXX reports that last payment is XX/XX/XXXX. Then XX/XX/XXXX reports that last payment is XX/XX/XXXX. Then XX/XX/XXXX reports that last payment is XX/XX/XXXX. Then XX/XX/XXXX it reports that last payment is XX/XX/XXXX. Then at the top of the report they provided it states the last payment was XX/XX/XXXX. Which of this information is accurate and complete? I can search up the FCRA law numbers if you would like me to do your job as well but we know what ones are in violation. Furthermore On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) published a circular, stating that both consumer reporting agencies ( CRAs ) and furnishers may be held liable under the Fair Credit Reporting Act ( FCRA ) for failing to investigate disputes, including when they impose what the CFPB views as barriers to the submission of disputes. Specifically, the CFPB advised that federal and state consumer protection regulators, including attorneys general, can bring claims against companies that fail to appropriately investigate and resolve disputes. Due to me being on notice that you failed to properly investigate this account I am requesting that you provide a thorough and proper reinvestigation of this account and the following previously disputed accounts syncb/paypal account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Collection account inaccurately reporting late payments

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 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: DC

Complaint narrative:
The account was discharged in 2022, as I received a 1099-C from the Internal Revenue Service XXXX I have contacted XXXX XXXX several times about removing the account from my credit report as the debt no longer belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-28 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: 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. 

XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX 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 2025-03-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX reported fraudulent information on my credit report. They violated my consumer rights by report a checking account as some type of line or line of credit. On my credit report my checking account reports as a loan. Which I gave them no consent and they did it without my authorization and now they are refusing to remove it. A checking account is not a loan not line of credit. They have no proof that I have a credit card or loan with them only a checking. They refuse to remove and I have disputed it because they have have committed fraud against me. Which is harming my credit report. I have contacted the credit bureaus and them as well with the ucc codes in which they have violated and they have disregarded the law. It has caused punitive damages to me and my family. I demand compensation for the fraudulent actions they have done and need it instantly removed from my credit. Checking accounts are not lines of credit nor credit cards. I declined that my account can be overdraft and the account opening employee went behind my back without my consent and added where on the application I declined it. This is very serious if they have done this to me there is no telling how many other accounts they have done the same to. Plus my car was broken into with my card and bank info stolen I file a dispute and sent a police report to them for the unauthorized use of my account they did not look into it. They were very rude and disrespectful to me and told me they knew about the break and police report and told me to dispute it. I have three separate times now. And they try to change remarks to work in their favor which is unlawful. But reporting a checking account with no credit or loans with them is illegal and I deserve compensation for it damaging my credit report and life.

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 2025-03-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: GA

Complaint narrative:
I am demanding the complete deletion of all inaccurate, unverifiable, and improperly reported accounts from my credit file. This includes auto loans approved in a 13-day span ( XXXX XXXX XXXX ) totaling over {$300000.00}, which reflect reckless and deceptive lending practices and violate FCRA 1681e ( b ), 611, 623, and ECOA 1691. 

I lawfully disputed these accounts and requested validation through certified mail, legal notices, and arbitration filings. No company has provided original documentation, underwriting records, or Metro 2-compliant validation as required by law. 

Additionally, several XXXX XXXX accounts are showing as duplicate charge-offs with inconsistent balances and statuses across different credit bureaus, in violation of FCRA 605 and Metro 2 guidelines. 

XXXX XXXX XXXX XXXX XXXX tradeline is showing Paid as Agreed while also listing a Charge-Off and Past Due balance which are conflicting and inaccurate under Metro 2 and FCRA. 

Despite providing more than sufficient documentation, these inaccurate accounts are still being reported. I have also initiated XXXX XXXX, submitted legal motions in Georgia ( XXXX and XXXX ), and documented every step taken to resolve this legally. 

This situation is causing ongoing financial harm, suppression of my credit score, and illegal damage to my consumer profile. I am now requesting full intervention from the CFPB to enforce federal law and ensure accurate and fair reporting.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am demanding the complete deletion of all inaccurate, unverifiable, and improperly reported accounts from my credit file. This includes auto loans approved in a 13-day span ( XXXX XXXX XXXX  ) totaling over {$300000.00}, which reflect reckless and deceptive lending practices and violate FCRA 1681e ( b ), 611, 623, and ECOA 1691. 

I lawfully disputed these accounts and requested validation through certified mail, legal notices, and arbitration filings. No company has provided original documentation, underwriting records, or Metro 2-compliant validation as required by law. 

Additionally, several XXXX XXXX accounts are showing as duplicate charge-offs with inconsistent balances and statuses across different credit bureaus, in violation of FCRA 605 and Metro 2 guidelines. 

XXXX XXXX XXXX XXXX XXXX tradeline is showing Paid as Agreed while also listing a Charge-Off and Past Due balance which are conflicting and inaccurate under Metro 2 and FCRA. 

Despite providing more than sufficient documentation, these inaccurate accounts are still being reported. I have also initiated XXXX arbitration, submitted legal motions in XXXX  ( XXXX and XXXX ), and documented every step taken to resolve this legally. 

This situation is causing ongoing financial harm, suppression of my credit score, and illegal damage to my consumer profile. I am now requesting full intervention from the CFPB to enforce federal law and ensure accurate and fair reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 non-monetary relief