vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
I am filing a complaint directly against Eastern Account Syst for reporting an alleged debt on my credit report without providing any legally required validation or documentation.

I have requested verification of this account, and Eastern Account Syst has failed to provide proof that I owe this debt, including : a copy of the original signed contract, an itemized breakdown of the {$590.00} balance, the name and contact information of the original creditor, and documentation showing Eastern Account Syst has legal authority to collect or report this debt ( chain of assignment ).

Despite having no proof, Eastern Account Syst continues to report this account as open and damages my credit score. This is a violation of : Fair Credit Reporting Act ( FCRA ) 623, Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) failure to validate debt, and FCRA 611 regarding verification procedures.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my credit report. The accounts listed below are inaccurate or have incorrect reporting and need to be addressed according to the Fair Credit Reporting Act ( FCRA ). Please find the details for each bureau below. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-19 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-11-19 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-11-19 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: NY

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX  under account number XXXX. The account is being shown as delinquent and potentially negative, which is incorrect. I made my payments on time, and this negative reporting does not accurately reflect my payment history. 
I am requesting that the credit reporting agency investigate this matter and correct the information so that the account is updated to show as Paid on Time. This inaccurate reporting is harming my credit profile, and I would appreciate a prompt review and correction. 
Thank you for your attention to this issue.

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 2025-11-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This is my second submission regarding my Equifax and TransUnion accounts This letter is a formal dispute of unauthorized hard inquiries appearing on my consumer credit report. I did not grant consent, authorization, or provide any permissible purpose for these inquiries, nor do they meet the requirements of the Fair Credit Reporting Act ( FCRA ) or Metro 2 reporting standards.

FCRA XXXX XXXX ; Metro 2 Violations 1. FCRA 604 [ 15 U.S.C. 1681b ] : A consumer report may only be accessed for permissible purposes. These inquiries do not meet any lawful criteria. 
2. FCRA 611 [ 15 U.S.C. 1681i ] : You are required to reinvestigate disputed information and delete unverifiable data within 30 days. If the furnisher can not verify permissible purpose, the inquiry must be deleted.

3. FCRA 623 [ 15 U.S.C. 1681s-2 ( a ) ] : Furnishers have a duty to report accurate information. Reporting unverifiable inquiries violates this provision.

4. Metro 2 Standards : The XXXX Metro 2 guidelines mandate that only accurate, complete, and verifiable information may be reported. An inquiry without consumer consent or permissible purpose fails compliance. 

Specific Inquiries in Dispute Please remove the following unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Liability FCRA 616 & amp ; 617 [ 15 U.S.C. 1681n, 1681o ] : Noncompliance subjects you to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 
FCRA 619 [ 15 U.S.C. 1681q ] : Criminal liability for obtaining consumer information under false pretenses. 

Demand for Resolution 1. Immediate Deletion : Remove the unauthorized inquiries listed above from my credit file.
2. Written Confirmation : Provide written confirmation of deletion within 30 days.

3. Compliance Certification : Provide proof of the furnishers certification of permissible purpose for each inquiry. If none exists, deletion is mandatory. 

Failure to Comply If you fail to comply with these demands, I will : File formal complaints with the CFPB, FTC, and my State Attorney General. 
Pursue legal remedies in court seeking actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. 

Enclosures of my driver 's license, and proof of address were submitted with my initial complaint. 


This letter serves as my final notice and dispute. Failure to act will result in immediate escalation. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I AM A VICITM OF IDENTITY THEFT AND WOULD LIKE ALL ACCOUNTS ASSOCIATED WITH SUCH REMOVED.

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 2025-11-19 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: GA

Complaint narrative:
I AM A VICITM OF IDENTITY THEFT AND WOULD LIKE ALL ACCOUNTS ASSOCIATED WITH SUCH REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I AM A VICITM OF IDENTITY THEFT AND WOULD LIKE ALL ACCOUNTS ASSOCIATED WITH SUCH REMOVED.

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 2025-11-19 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: TX

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following accounts in my credit report. These accounts are showing as charged-off, and I believe there are discrepancies that need to be investigated. 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$660.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX  XXXX XX/XX/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
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
dit bureaus. The dates of last payment, dates of first delinquency, charge-off dates, and the balance information are not consistent between TransUnion, Experian, and Equifax. These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. 

I previously disputed this account directly with the credit bureaus, and XXXX XXXX verified it without providing any of the information required to validate the accuracy of the data they are reporting. They have not provided the original signed contract, itemized account history, or proof of how the balance was calculated. 

Additionally, the account is being reported with past-due information even though a charge-off should not continue to accumulate or update past-due balances after the date of charge-off, which is a Metro 2 violation. 

This complaint is about XXXX XXXX failure to accurately report the account and their failure to properly investigate my dispute. I am requesting a full investigation and correction under FCRA 611 and 623.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
dit bureaus. The dates of last payment, dates of first delinquency, charge-off dates, and the balance information are not consistent between TransUnion, Experian, and Equifax. These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. 

I previously disputed this account directly with the credit bureaus, and XXXX XXXX verified it without providing any of the information required to validate the accuracy of the data they are reporting. They have not provided the original signed contract, itemized account history, or proof of how the balance was calculated. 

Additionally, the account is being reported with past-due information even though a charge-off should not continue to accumulate or update past-due balances after the date of charge-off, which is a Metro 2 violation. 

This complaint is about XXXX XXXX failure to accurately report the account and their failure to properly investigate my dispute. I am requesting a full investigation and correction under FCRA 611 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is entirely unacceptable and constitutes a serious misrepresentation of my financial history. I take the accuracy of my credit profile seriously, and the presence of these unauthorized accounts is deeply concerning.

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 2025-11-19 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: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX XXXX  credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). These errors involve charged off accounts that I believe have been inaccurately reported. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$43000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$28000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$14000.00}

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 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am unaware of this debt and did not that the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If you are not able to provide this, please delete the account you have wrongly created as as soon as possible or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I am submitting this formal complaint against COMMERCIAL ACCEPTANCE CO for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide proper written validation of a debt upon request.

I received communication regarding an alleged debt from the above company. In accordance with 1692g ( b ), I exercised my right to request written verification of the debt. Despite my timely request, the collector failed to provide the required validation, including but not limited to : Proof that the alleged debt belongs to me The original creditors name and account details Itemization of the amount allegedly owed Documentation proving they have the legal right to collect the debt Under 1692g, collection activity must cease until validation is provided. However, COMMERCIAL ACCEPTANCE CO continued to pursue collection efforts, including letters, reporting to credit bureaus, and court threats, without supplying the legally required verification. This is a direct violation of my consumer rights.

Company response to consumer: Closed with explanation