vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX have not used services for XXXX XXXX, internet or cable tv. I have a debt on my credit reports for this service. I reached out to them personally but even they can not find anything for me with my personal information. I asked to remove this account but they said they have no knowledge or information to remove it and to contact the credit company reporting this information. I contacted EASTERN ACCOUNT SYSTEM about this false information in my name with the amount of {$1200.00} but they will not send me anything stating they don't have anything to send me and i asked them to remove it from my report and was told they will look into it. I have sent 12 letters as well as countless calls and my DL and SS card to prove I did not sign up with this company for services they provide. Please help me in getting this accurately looked into and any forms with MY signature on them, The claim calls are recorded but they have no record of me calling. I want this to be taken off my report because this is in NO way my account or debt. PLEASE HELP ME. All they ask me is to become a new customer and I do not need these services. I want my name cleared with this inaccurate debt, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Subject : FRAUDULENT ACCOUNT DISPUTE FCRA 1681c-2, 1681i, and 1681e ( b ) Creditor : XXXX XXXX Account Number : XXXX This account is fraudulent and was opened without my knowledge or consent. Its presence on my credit report violates the Fair Credit Reporting Act ( FCRA ) specifically 1681c-2 ( Identity Theft Blocks ), 1681i ( Reinvestigation of Disputed Information ), and 1681e ( b ) ( Accuracy of Reported Information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I previously submitted a written dispute to Equifax regarding several inaccurate accounts that are being reported on my credit file. These accounts do not belong to me and are being reported in error. Despite sending my dispute along with proper identification and supporting documents last month, the inaccurate information remains on my Equifax report. This situation has caused ongoing harm and confusion, and Equifax has failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
There is a fraudulent account from XXXX XXXX XXXX XXXX on my credit report. This is not my debt. I dont have any collections or late payments on my credit. I am a victim of identity theft and have an Identity Theft Report I can provide to support this. See attached documents. I request to remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am filing this complaint because my credit report with Experian contains a fraudulent charge-off account and inaccurate personal information that I did not authorize, open, or provide. My credit file continues to display unauthorized name variations and invalid addresses that do not belong to me. 

My only legal name is XXXX XXXX XXXX, exactly as it appears on my Social Security documentation, and any other name variation listed on my report is inaccurate and must be immediately removed. 

My only correct and current address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Any other address appearing on my Experian file is incorrect, outdated, or never associated with me, and must be permanently deleted. 

Additionally, my report shows a fraudulent charge-off account reported by XXXX XXXX, Account XXXX XXXX, opened on XX/XX/2022 with a balance of {$0.00}. 
I did not open this account, authorize it, apply for it, nor have any knowledge of it. Its presence on my credit report is harming my creditworthiness and is a direct violation of my consumer rights. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Experian is required to maintain maximum possible accuracy in the information it reports.

15 U.S.C. 1681i ( a ) ( 5 ) Any unverifiable or inaccurate information must be permanently deleted.

15 U.S.C. 1681s-2 The furnisher is prohibited from reporting false, unverified, or inaccurate information.

FDCPA 1692e Prohibits false, misleading, or deceptive representations of alleged debts. 

I am demanding the immediate investigation and permanent deletion of all inaccurate personal information, including unauthorized name variations and invalid addresses, as well as the fraudulent charge-off account. 

Any failure to remove this information will be considered willful noncompliance with federal law, and I reserve my right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursue all remedies available under 15 U.S.C. 1681n and 1681o.

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 2025-11-12 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: CT

Complaint narrative:
The accountant is inaccurate false reporting to credit bureaus stating my personal information without my 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 2025-11-12 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - Acct # XXXX - Closed - Charge-off - Balance {$0.00} XXXX XXXX XXXX - Acct # XXXX - Closed - Collection account - Original Balance {$830.00} XXXX XXXX XXXX - Acct # XXXX - Closed - Collection account - Original Balance {$570.00} XXXX XXXX XXXX  - Acct # XXXX - Closed - Collection account - Original Balance {$730.00} XXXX XXXX XXXX  - Collection account - Original Balance {$520.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX - Acct # XXXX - 2 late payments - Balance {$300.00} XXXX XXXX - Acct # XXXX - 1 late payment - Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Dear XXXX, TransUnion, XXXX, and XXXX XXXX XXXX, This serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate and inconsistent credit reporting, failure to reinvestigate, and furnishing false or outdated data.

Disputed Accounts 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  : Past Due as of XX/XX/XXXX Balance {$190.00} Status Updated XX/XX/XXXX. 
XXXX  : Unpaid Balance {$190.00} Status Updated XX/XX/XXXX. 
TransUnion : Undisclosed Status Balance {$190.00} Status Updated XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX  : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
XXXX  : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
TransUnion : Open Account Updated XX/XX/XXXX. 



Violations All four entities have violated : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) failure to maintain accuracy, reinvestigate, and correct.

FDCPA 1692e, 1692f, 1692g ( b ) false or misleading representation and failure to validate.

Demand for ACDV and Monetary Compensation Under 15 U.S.C. 1681n ( a ) and 1692k ( a ), each entity is liable for statutory damages up to {$1000.00} per violation, plus actual damages, costs, and attorneys fees.

Accordingly, I demand : Entity | Statutory Basis | Violations | Amount Owed ( USD ) XXXX  | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} XXXX  | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} TransUnion | FCRA 1681e ( b ), 1681i ( a ) |2| {$2000.00} XXXX XXXX XXXX | FDCPA 1692e, 1692f, 1692g ( b ) | 2 | {$2000.00} Total Due Immediately | {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within 10 business days.

Formal Demands 1. Provide full Automated Consumer Dispute Verification ( ACDV ) responses for both accounts.

2. Permanently delete all the inconsistent data across all reports.

3. Remit the above-stated compensation ( {$8000.00} total ) within 10 business days of receipt.

Failure to comply by XX/XX/XXXX will result in civil litigation in U.S. District Court seeking : Additional actual damages, Attorneys fees and costs, and Punitive damages for willful non-compliance under 15 U.S.C. 1681n ( b ).

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : XXXX XXXX XXXX Capital One Auto Finance for Failure to Conduct Proper Investigation Account # [ Your Account Number ] To Whom It May Concern, I am submitting this complaint against Capital One Auto Finance for failing to conduct a proper investigation and correct inaccurate information being reported on my credit report.

On [ Insert Date of Original Dispute ], I submitted a written dispute directly to Capital One Auto Finance under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act ( FCBA ), disputing inaccuracies and requesting validation of the account and correction of the reported information.

Capital One Auto Finance responded stating that the account is being reported correctly. However, this is factually inaccurate and does not constitute a proper investigation or validation under federal law. The company failed to provide : Any verifiable documentation proving the accuracy of the alleged debt or balance.

A signed contract or billing statements supporting the validity of the account information being reported.

A detailed explanation of their investigation findings as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) and 15 U.S.C. 1681i ( a ) ( 2 ).

This failure to properly investigate and validate violates both the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which require furnishers of credit information to conduct a reasonable reinvestigation upon notice of dispute.

I am requesting that the CFPB intervene to ensure Capital One Auto Finance : Provides full documentation validating the accuracy of all information being reported to the credit bureaus.

Corrects or deletes any inaccurate information that can not be properly substantiated.

Issues written confirmation of these actions.

I appreciate your time and assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit information must be completely accurate and truthful. Unfortunately, the accounts listed in my report are not, and this has deeply affected my life and my familys well-being. Because of these reporting errors, weve faced financial setbacks, constant stress, and emotional exhaustion. Weve missed out on opportunities for better housing and fair credit, and its been a struggle to recover from the damage caused by these mistakes. The impact has been lasting and painful, and Im asking for these inaccurate accounts to be thoroughly reviewed and permanently removed so that my record finally reflects the truth.

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 2025-11-12 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:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and disregarding my prior written disputes requesting a reinvestigation of inaccurate information appearing on my credit reports.

Despite submitting a formal dispute with the required identification and documentation, the credit bureaus have continued to report inaccurate and misleading information, without properly investigating or removing the disputed items as required by law. Their failure to ensure the accuracy of the data they publish constitutes a clear violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

Additionally, they have not provided the legally required description of the procedures used to determine the accuracy and completeness of the disputed information within the required 15-day period after the reinvestigation, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal request to correct inaccurate personal information being reported on my credit file. According to my recent credit reports, the following incorrect personal details appear under my profile : Incorrect Name Reported : XXXX XXXX XXXX Correct Legal Name : XXXX XXXX Incorrect Employment Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Employment : None of the above I have never been employed by or affiliated with these businesses.

These entries are inaccurate and must be deleted or corrected immediately under 15 U.S.C.

1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer data.

Please update my credit file to reflect only my accurate personal information and remove all incorrect name and employment data. Confirm the correction in writing once complete.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am filing a follow-up complaint against Experian regarding continued noncompliance and reinsertion of the XXXX XXXX XXXX  account after prior deletion. My previous CFPB complaint was filed on XX/XX/year>, concerning Experians improper reinsertion and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Despite that filing, on XX/XX/year>, Experian sent me correspondence denying my valid identity theft block request under FCRA 605B, alleging it was made in error or based on misrepresentationwithout basis or reasonable investigation. At the same time, Experians updated credit report again shows the XXXX XXXX XXXX  account as pending after prior deletion, indicating unlawful reinsertion without certification from the furnisher as required under FCRA 611 ( a ) ( 5 ) ( B ).

Experians conduct demonstrates a pattern of willful and negligent disregard for its duties under FCRA 605B and 611, including failure to : Maintain reasonable procedures to assure maximum possible accuracy ; Conduct a lawful reinvestigation ; and Provide proper reinsertion notice and certification.

I request that the CFPB require Experian to immediately remove the XXXX XXXX Bank account from my credit report, confirm deletion in writing, and ensure compliance verification.

Please reference this complaint together with my XX/XX/year> CFPB filing for continuity of investigation.

If this matter is not promptly resolved, I will escalate to the Federal Trade Commission ( FTC ) and my State Attorney General for enforcement of FCRA violations.

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 2025-11-12 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: MI

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and disregarding my prior written disputes requesting a reinvestigation of inaccurate information appearing on my credit reports.

Despite submitting a formal dispute with the required identification and documentation, the credit bureaus have continued to report inaccurate and misleading information, without properly investigating or removing the disputed items as required by law. Their failure to ensure the accuracy of the data they publish constitutes a clear violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

Additionally, they have not provided the legally required description of the procedures used to determine the accuracy and completeness of the disputed information within the required 15-day period after the reinvestigation, as outlined in 15 U.S.C. 1681i ( a ) ( 6 ) ( 7 ).

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 2025-11-12 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:
I submitted a factual dispute to Equifax last month regarding inaccurate accounts that are being reported on my credit file. I provided detailed information in my dispute letter along with proof of my identity to verify my claim. Despite my valid dispute and supporting documents, these inaccurate accounts are still appearing on my Equifax report. It appears that Equifax did not conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). These accounts are negatively impacting my credit profile and do not accurately reflect my true credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is an unfamiliar inquiry on my credit report that I did not authorize or consent to. I have already submitted an identity theft report and provided all the necessary documentation, yet this fraudulent inquiry is still present. I have never applied to or engaged with this company, and the fact that it remains despite my prior report is deeply frustrating and concerning. This ongoing issue is causing me stress and XXXX, as it reflects a clear violation of my consumer rights and the protection I am entitled to.

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