vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Date : XXXX Amount : XXXX Request for Debt Validation ( FDCPA 809 ) Dear Eastern Account System I am writing in response to a notice I received from your agency regarding an alleged debt. I do not recognize this debt and am requesting that you validate it as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1.The name of the original creditor.

2.The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

3.A copy of the original contract or agreement bearing my signature, or other documentation showing I am legally obligated to pay this debt.

4.Proof that your agency is authorized to collect debts in my state.

5.Proof that you are legally entitled to collect this particular debt.

Until you provide the requested validation, please cease all collection activities, including reporting this alleged debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed. 

Be advised that any further attempt to collect this debt without validating it is a violation of the FDCPA and my consumer rights. 

I request all communication from your agency be in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
These accounts are unauthorized accounts on my credit report. XXXX  XXXXXXXX XXXX XXXX  in the amount of {$7200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Terms and conditions were different or misleading than promoting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
COMPANY : XXXX XXXX ACCOUNT # : XXXX DESCRIPTION : Experian and XXXX XXXXXXXX violated FCRA by : 1. Reporting 25 consecutive months of 90-day lates - mathematically impossible ( exceeds 7 years ). 
2. Marking account " charged off '' in XXXX while reporting new 90-day lates in XXXX. 
3. Failing to provide verifiable account details ( no open date/activity ).

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 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: IA

Complaint narrative:
On XX/XX/XXXX| made a payment to my student loans in the amount of {$4100.00}. XXXX weeks after that amount was paid and taken out of my bank account, it posted to my student loans as paid in full. About a month after the loans showed {$0.00} balance, I logged in again to see that the balance was put back onto my loans, as if I had never paid them. ( It showed a balance again in XX/XX/XXXX ) Since then, more interest has accrued onto one of those loans, which I would also like a refund for. One of my loans has accrued interest in the amount of {$57.00}. I urgently need help resolving this issue, as I need these payments to show paid in full since it came out of my bank account and I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My vehicle was repossessed by Westlake Financial and the account was closed in XX/XX/year>. The balance is currently reporting as {$0.00} and the account was marked as charged off and sold to another lender. Despite the {$0.00} balance and account closure, Westlake is still reporting a derogatory charge-off status on my credit report.

I did not receive a 1099-C, and no documentation has been provided to support the continued reporting of this account as negative. I previously disputed this account through the credit bureaus, but it was returned as verified without any explanation or evidence. 

This is a violation of the Fair Credit Reporting Act under 15 USC 1681i ( failure to reasonably investigate ) and 1681s-2 ( inaccurate reporting by furnishers ). I am requesting the deletion or accurate correction of this account because it is unverifiable and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Offer claimed XXXXXXXX XXXX  to XXXX bonus points or more with Chase XXXX XXXX, discover and book your trip at the reimagined chasetravel.com. Eligible cardmembers can get rewarded when booking multiple qualifying travel components including hotels, flights, car rentals and cruises. Book two qualifying components to receive XXXX bonus points. Book three qualifying components for XXXX bonus points. 
Activate and book by XX/XX/year>, and stay through the end of the year. 

Offer activated Wed, XX/XX/year>, XXXX with a confirmation email, all three components had achieved, and traveled within the set time frame, with confirmation emails. 

Confirmation of the offer earned email received Tue, XX/XX/year>, XXXX Email stated the last XXXX digits of the card activated, card used for the promotion and card earned for the promotion, all synced. 

I continue to reach out and had been escalated multiple times, finally reaching to a dead end from their marketing team says that I did not achieved the required spending but I had all the confirmation emails to prove my itinerary and even email received directly from Chase says that I had successfully earned the offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-04 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-04 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I contact the debt collector the representative provided me with information thats listed under my mom this is attached to her email and also her address. They could not provide me with the correct information that verify this is my debt. This is a violations of my rights. I want this removed from my credit profile immediately. XXXX XXXX XXXX is not my address.

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 2025-06-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
1. 15 U.S.C. 1666 Billing error statute violated by failure to investigate erroneous data and respond with ledger-level proof.

2. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct or delete inaccurate or unverifiable information. Your institution has failed to comply.

3. 15 U.S.C. 1681n Civil liability for willful noncompliance, including statutory and punitive damages.

4. 15 U.S.C. 1692e ( 8 ) Reporting false credit information constitutes a deceptive debt collection practice.

5. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failing to label the account as disputed with credit agencies is a separate and distinct violation.

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 2025-06-04 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: MI

Complaint narrative:
1. 15 U.S.C. 1666 Billing error statute violated by failure to investigate erroneous data and respond with ledger-level proof.

2. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct or delete inaccurate or unverifiable information. Your institution has failed to comply.

3. 15 U.S.C. 1681n Civil liability for willful noncompliance, including statutory and punitive damages.

4. 15 U.S.C. 1692e ( 8 ) Reporting false credit information constitutes a deceptive debt collection practice.

5. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failing to label the account as disputed with credit agencies is a separate and distinct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
1. 15 U.S.C. 1666 Billing error statute violated by failure to investigate erroneous data and respond with ledger-level proof.

2. 15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct or delete inaccurate or unverifiable information. Your institution has failed to comply.

3. 15 U.S.C. 1681n Civil liability for willful noncompliance, including statutory and punitive damages.

4. 15 U.S.C. 1692e ( 8 ) Reporting false credit information constitutes a deceptive debt collection practice.

5. 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failing to label the account as disputed with credit agencies is a separate and distinct violation.

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 2025-06-04 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: PA

Complaint narrative:
I have a {$74.00} balance reported by XXXX on my credit report. I contacted XXXX to pay this balance, but they informed me that they can not accept payment and will not update or remove the item from my credit report. This is affecting my credit score, and I believe it's unfair to report a debt that I am willing to pay but am not allowed to. I am requesting that this item be removed from my credit 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 explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I have a {$74.00} balance reported by XXXX on my credit report. I contacted XXXX to pay this balance, but they informed me that they can not accept payment and will not update or remove the item from my credit report. This is affecting my credit score, and I believe it's unfair to report a debt that I am willing to pay but am not allowed to. I am requesting that this item be removed from my credit 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 2025-06-04 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: PA

Complaint narrative:
I have a {$74.00} balance reported by XXXX on my credit report. I contacted XXXX to pay this balance, but they informed me that they can not accept payment and will not update or remove the item from my credit report. This is affecting my credit score, and I believe it's unfair to report a debt that I am willing to pay but am not allowed to. I am requesting that this item be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report 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 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 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 XXXXXX/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 2025-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: AL

Complaint narrative:
World Acceptance Corp XXXX XXXX XXXX, SC XXXX is reporting late payments on my credit reports for a loan that never existed between myself and their company. I have asked the company to provide a contract of said {$390.00} loan with my signature, and have not received any documentation. 
If this documentation can not be produced, I am demanding immediate removal of this incorrect information from my credit report.

Company response to consumer: Closed with explanation