vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: DE

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a collection account being reported by XXXX XXXX XXXX, EASTERN ACCOUNT SYSTEM, INC., XXXX XXXX XXXX XXXX. This account is currently appearing on my credit report and I believe it is being reported and/or collected in violation of the Fair Debt Collection Practices Act ( FDCPA ). 



I am requesting your investigation and assistance in having this account removed due to the following violations : 15 U.S. Code 1692c Restrictions on communication The debt collector has communicated with me in ways prohibited by law, including calling at odd hours, contacted me at work, and spoke with third parties.

15 U.S. Code 1692g Validation of debts Upon receiving their first communication, I submitted a written request for debt validation. The collector failed to provide the required written validation of the debt within the statutory period and continued collection efforts without providing the requested proof.

Given these violations, I am requesting that the CFPB investigate this matter and take appropriate action to ensure that this collection account is removed from my credit report. The collectors conduct violates federal law and has caused me undue stress, harm to my credit, and loss of opportunities.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to enforce the law and protect my rights under the FDCPA. 



Sincerely, XXXX ' XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Credit Systems International, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a collection account being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SYSTE

MS INT INC. This account is currently appearing on my credit report and I believe it is being reported and/or collected in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting your investigation and assistance in having this account removed due to the following violations : 15 U.S. Code 1692c Restrictions on communication The debt collector has communicated with me in ways prohibited by law, including calling at odd hours, contacted me at work, and spoke with third parties. 15 U.S. Code 1692g Validation of debts Upon receiving their first communication, I submitted a written request for debt validation. The collector failed to provide the required written validation of the debt within the statutory period and continued collection efforts without providing the requested proof.

Given these violations, I am requesting that the CFPB investigate this matter and take appropriate action to ensure that this collection account is removed from my credit report. The collectors conduct violates federal law and has caused me undue stress, harm to my credit, and loss of opportunities.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to enforce the law and protect my rights under the FDCPA. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
I have previously disputed Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: LA

Complaint narrative:
I have previously disputed Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-15 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: PR

Complaint narrative:
I discovered that one or more accounts had been opened in my name without my knowledge or authorization. I did not apply for, authorize, or benefit from these accounts. 

On XX/XX/year>, I filed a police report and an FTC Identity Theft Report, and provided copies to the creditor and the credit reporting agencies. I also submitted a written request under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ) to have these fraudulent accounts blocked from my credit file.

Despite providing valid and verifiable documentation, the creditor has continued to report these accounts as mine, negatively impacting my credit. I am requesting the permanent removal of these accounts from my credit report as required by 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 2025-08-15 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: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
After looking at my credit report dated XX/XX/scrub> 2025, contains accounts and inquires that lack my authorization, permissible purpose, or valid consent and must be removed in accordance with the FCRA. Account is as follows : XXXX XXXX XXXXXXXX. Inquires are as such : 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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
I recieved a phone call at XXXX XXXX from a XXXX XXXX from XXXX XXXX XXXX Caller ID ( XXXX ) I asked for her call back number and it was XXXX ( I called this number and she picked up ) she advised that she was with the legal department regarding a debt and was collecting on behalf of HSBC for XXXX and they were in the process of taking legal action such as judgement and garnishement. This debt/company I do not recognize and I received a call about a week or so ago from a different woman and this was from XXXX? She mentioned a date of XX/XX/XXXX. She advised that they would take civil action against me for attempting to defraud, even though I have never heard of this bank. She said she would send me an email with all of the debt details, and the email came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-15 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover credit breached contract terms on XX/XX/year>2025 by changing agreement holder without the proper documents 45 days prior to the agreement change. The law of Credit Card act clearly states the company are obligated to do so. Discover has never produced the lawful documents. They have continously replied with the status of the account as that IS NOT THE REASON. THEY HAVE BREACHED THE CONTRACT NUMEROUS TIMES. THIS IS NOT ABOUT THE ACCOUNT. THEY ARE TO PROVIDE DOCUMENTS 45 DAYS PRIOR TO THE CHANGE OF THE AGREEMENT. QUESTIONS ABOUT THE ACCOUNT ARE NULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX  Balance : {$560.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 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: GA

Complaint narrative:
On [ XX/XX/year>2025 ], I sent a Method of Verification request to [ Equifax ] pursuant to FCRA 611 ( a ) ( 7 ).

USPS tracking confirms delivery on [ XX/XX/XXXX ] ( proof attached ). 

Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau is required to complete the reinvestigation and provide written results within 30 days of receiving a dispute or MOV request.

As of [ XX/XX/year> ], more than 30 days have passed, and I have not received any written response containing the results of the investigation or the requested verification details. This is a clear procedural violation of the Fair Credit Reporting Act. I am requesting that the CFPB require [ bureau name ] to : Immediately delete the disputed accounts from my credit file ; Provide written confirmation of deletion ; Supply a complete copy of the reinvestigation results and all documentation relied upon, as originally requested. Attachments include : Copy of my original Method of Verification letter ; USPS certified mail receipt ; USPS delivery confirmation/tracking page ; Current credit report showing the disputed
accounts still being reported after the statutory deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-15 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: FL

Complaint narrative:
This letter constitutes a formal notice of violation and a demand for the immediate removal of the student loan entry currently being reported on my credit file. 
The Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, and its implementing regulations, 34 CFR Part 99, strictly prohibit the disclosure of a students educational records or personally identifiable information ( PII ) without prior written consent from the student, except under narrowly defined conditions.

Educational records, as defined under FERPA, include any records directly related to a student and maintained by an educational institution or an entity acting on its behalf, which extends to financial aid and loan records maintained as part of the students file. The disclosure of these records to a consumer reporting agency without documented, informed, written consent is a direct breach of FERPAs confidentiality provisions. 

This principle has been supported in federal administrative rulings and enforcement actions, including : Letter to [ Redacted ], 20 FAB 1 ( FPCO 2016 ) where the Department of Educations Family Policy Compliance Office ( FPCO ) reaffirmed that a third-party servicer acts as an agent of the institution and must comply with FERPAs nondisclosure requirementsXXXX XXXX XXXX XXXX XXXX v. Falvo, 534 U.S. 426 ( 2002 ) clarifying the breadth of what constitutes an educational record under FERPA.

U.S. Department of Education v. XXXX XXXX, 294 F.3d 797 ( 6th Cir. 2002 ) where unauthorized disclosure of student records was held to be a violation enforceable under FERPA.

As such, your reporting of my student loan information to any credit bureau without my written consent constitutes : A violation of FERPA ( 20 U.S.C. 1232g ).

A violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, due to the reporting of information that was obtained unlawfully. 
A willful breach of fiduciary duty to safeguard my protected records.

My Demands Pursuant to FERPA, FCRA, and other applicable laws, you are hereby required to : Immediately delete all student loan entries from my credit report with all consumer reporting agencies. Provide written proof within 15 business days of the legal authority and signed consent that allegedly authorizes such reporting. Cease and desist from any further unauthorized disclosure of my educational records. 
Failure to comply will result in : Formal complaints filed with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ). A complaint with the Federal Trade Commission ( FTC ) for violation of privacy rights. Civil litigation for statutory and actual damages under 20 U.S.C. 1232g ( g ) and 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation