vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Incorrect Account Status Reporting Dear XXXX Dispute Department, I am writing to formally dispute inaccurate information reported on my credit file. Specifically, my credit report reflects an account Eastern Account System Acct # XXXX as open when it has been charged off/closed. This reporting error is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which requires furnishers of credit information to report accurate and complete information. You have been provided multiple opportunities to correct this error but you have failed to do so.

The incorrect reporting of this collection/charged-off account as open is misleading and negatively impacts my credit profile. According to consumer protection laws : 1. A charged-off account is considered closed and should not be reported as open, as doing so misrepresents the true status of the account. 

2. Under the FCRA, XXXX is required to ensure maximum possible accuracy in reporting credit information ( 15 U.S. Code 1681e ( b ) ).

3. Misrepresenting account status may also constitute an unfair or deceptive practice under the Consumer Financial Protection Bureau ( CFPB ) guidelines. 



I request that XXXX immediately deletes this account due to inaccurate reporting of this account for years. Please provide written confirmation of the deletion within the 15-day period mandated by the FCRA. 





If XXXX fails to correct this inaccurate reporting, I am prepared to escalate my dispute with the FTC and consider legal remedies. I appreciate your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am writing to formally address a serious issue that requires immediate attention. It has come to my attention that there has been unauthorized and fraudulent use of my identity. I did not authorize or have any knowledge of this activity, and I expect swift resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-31 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: IN

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Breach of Trust, Legal Treats, and Threatening continuous phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has caused severe damage to my credit history and financial stability, and I demand immediate action to correct it. 

I expect prompt and decisive action on this matter. Confirm receipt of this dispute immediately and provide a clear timeline for resolution. If you require any further information, contact me without delay at the phone number or email provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: IN

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Called Credit Management Company ( XXXX ) XXXX to file a dispute against 2 accounts reflecting on my credit report related to medical bills. These accounts are for {$560.00} and {$1100.00}. I informed them that CFPB finalized a federal rule that states medical bills are not applicable to be reported on credit reports. A supervisor who stated his name was DC, informed me this was a rumor and was not true. I requested confirmation the dispute was initiated and was unable to obtain a clear confirmation besides notes were added to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have applied online to the American Express business platinum card on XX/XX/XXXX against a promotional offer received in the mail. 
Was approved instantly over on the site. 
Followed up with AmericanExpress customer services on what is the spend limit to receive the rewards. Was informed that to receive XXXX points the card should be used to spend a minimum of XXXX $ in 3 months. 
After spending over {$10000.00} I checked with American Express, customer service on XX/XX/XXXX and found out that I am not eligible for some arbitrary reason that multiple promotional deals We would like to request you to help us in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Momnt Technologies, Inc.
State: NY

Complaint narrative:
I am reaching out regarding a serious issue concerning an unauthorized loan taken out in my name. 

Approximately two years ago, I visited XXXX XXXX XXXX for a medical consultation and was only required to pay a co-pay. I never returned to the facility after that visit. However, upon recently reviewing my credit report, I discovered a {$5000.00} loan in my name, issued by XXXXXXXX XXXX through Moment ( XXXX ), which is now in default. This loan was allegedly taken out for a medical procedure that I never approved, authorized, or received. 

When I contacted the financing company, they claimed that I had accepted the loan for the medical office, despite there being no signed agreementonly my phone number was used for verification. I requested a copy of the loan documentation, and while it contains my personal information, it lacks my signature. 

Further attempts to resolve this issue have been unsuccessful. XXXX XXXX XXXX has since shut down all its locations with no forwarding contact information. Upon researching XXXX XXXX XXXX, I found numerous reports from other patients with similar complaints regarding fraudulent loans. Additionally, there are multiple allegations against this doctor, including financial and XXXX misconduct. When I visited one of the former office locations, I was informed by a security guard that the facility was vacated within 24 hours, with no notice or means of contact. 

I have full medical insurance and own my own businesses, making it clear that I would never require financial assistance for medical procedures. Despite providing this information to the financing company, they have refused to investigate and have closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health. I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-03-31 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 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: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NM

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 explanation
Consumer complaint received 2025-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-31 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX - Account # XXXX Balance : {$4400.00} It is essential to maintain accuracy in order to foster confidence in our reporting system. Deviations from the requirements can jeopardize trust. We must look into this issue thoroughly and quickly. It is not only expected of us to remove data that does not meet the standards we are expected to uphold it is demanded. 

XXXX XXXX - Account # XXXX Balance : {$23000.00} Considering how important your reporting role is, mistakes in compliance are neither acceptable nor inconsequential. Every disparity erodes trust by casting doubt on the accuracy of the data being provided. A review of the found errors is what I ask for. Maintaining credibility within the industry is more important than resolving the problem. It is essential to cancel them right away. 

XXXX XXXX - Account # XXXX Balance : {$25000.00} Preserving accuracy is essential to fostering confidence in our reporting system. Requirements that are not followed can undermine trust. We need to look into this issue in depth as soon as possible. There is a demand to remove the data if it does not meet the standards we are expected to uphold. 

XXXX - Account # XXXX Balance : {$830.00} Every piece of information in a credit report has consequences for customers, which is crucial to realize. Errors that do not adhere to the CDIA 's specified reporting guidelines compromise the system 's overall dependability. Both you and I have the right to request removal in light of this urgent issue. The only acceptable course of action in the event that it is verified that the information for this account is inaccurate is its complete deletion from my credit report. 

XXXX  XXXX - Account # XXXX Balance : {$5000.00} Since our field is governed by regulations, it is your duty to confirm all of the claims made in your report. This is more about preserving credibility than it is about adhering to a set of rules. As the report 's recipient, I ask that every elementincluding the contentious onesbe examined. To protect your organization 's reputation and trust, please take quick action to correct any errors.

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 2025-03-31 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: GA

Complaint narrative:
Subject : Request for Investigation : Ongoing Credit Reporting Errors and FCRA Violations Dear CFPB, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX for repeatedly reporting inaccurate information on my credit report, despite my numerous disputes. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, All the creditors listed above is required to investigate disputed information within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.

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