vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Summary I have submitted multiple disputes to the credit reporting agencies ( Experian, XXXX, and XXXX ) regarding inaccurate and outdated accounts appearing on my credit report. Despite my repeated requests, they have failed to conduct a proper investigation or provide sufficient method of validation as required by law. Additionally, several accounts remain on my credit report even though they are past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ). 

Details of the Issue Failure to Validate Disputed Accounts I disputed an account with XXXX XXXX  XXXX ( Account Number : XXXX ), stating that it does not belong to me. 
The credit bureaus failed to provide proper verification, as required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
I repeatedly requested the method of validation, yet they continued to report the account without a legally sufficient response. 
Failure to Remove Accounts Beyond the Statute of Limitations The following accounts have exceeded the seven-year reporting limit and should have been automatically removed under FCRA 15 U.S.C. 1681c ( a ) ( 4 ) : 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 XXXXXXXX ( Account Number XXXX XXXX ) Despite my formal dispute requests, the credit bureaus refused to remove these accounts in violation of the FCRA.

Failure to Conduct a Reasonable Investigation Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation when a consumer disputes an account. 
Instead, the bureaus provided automated responses and failed to provide any documentation or proof of validation. 
This is a clear violation of my consumer rights. 


Steps I Have Taken I have sent multiple written dispute letters to Experian, XXXX, and XXXX requesting the removal of these accounts. 
I specifically asked for the method of validation for the XXXX XXXX  XXXX account XXXX but they failed to provide sufficient documentation. 
I followed up multiple times, yet the incorrect and outdated accounts remain on my report. 
I warned the credit bureaus that failure to comply with the law would result in a formal complaint to the CFPB, but they still refused to take appropriate action.

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 2025-03-13 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
Hi Mr./Mrs./Ms., I hope this message finds you well. I am reaching out regarding an issue I encountered with my credit report. I would like to request assistance in removing a debt collection entry from my credit report and restoring my credit score to its previous standing. 

Your help in resolving this matter would be greatly appreciated. Please let me know the next steps or any information you may need from me to proceed.

I am writing to address an issue concerning a debt collection entry from Eastern Account System related to XXXX XXXX, which has recently impacted my credit score.

I have not received any emails, phone calls, or letters from either Eastern Account System or XXXX XXXX regarding late payments or any requests to return equipment from the service address at XXXX XXXX XXXX, XXXX, TX. I do not or have an access to login to their website to check or anything. I moved out of this address in late XXXX, and I was not notified or given an opportunity to resolve the issue before this debt was reported to my credit report. 

It wasnt until my bank notified me of a drop in my credit score on XX/XX/XXXX that I became aware of the debt. Upon learning this, I immediately contacted the debt collector and paid the amount in full that same morning. However, when I inquired with the representative about why I was not notified beforehand, she was unable to provide an answer. 

As someone who has worked diligently to maintain a strong credit scoreachieving a XXXX score and an XXXX XXXX score with XXXX  XXXX find it difficult to believe that I would have ignored the opportunity to resolve the issue if I had been properly contacted. The lack of communication from both XXXX XXXX and Eastern Account System before the debt was reported to my credit is unfair and has negatively impacted my credit. 

I respectfully request that you assist me in removing this debt from my credit report and restoring my score to its previous level.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The date of default does not match up with the records I Have. And they will not correct the 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 non-monetary relief
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello. I am writing to request the correction of inaccurate personal information on my credit report. I've noticed that some errors in my report, particularly the incorrect addresses listed, have caused issues with my credit applications, which is extremely frustrating. Please take action on this as soon as possible.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Incident Summary : On XX/XX/XXXX, I was scammed out of {$200.00} ( {$1.00} + {$190.00} ) while attempting to purchase XXXX, the Creator tour tickets for the XX/XX/XXXX show. I connected with the seller on XXXX and later continued the conversation on XXXX. After sending {$190.00} via Zelle, the seller claimed he didnt receive the payment and stated that his bank told him it could take up to XXXX hours. After the waiting period, he still claimed he had not received the funds. We then attempted another transaction through XXXX, but he was unhappy that I sent the payment using Goods and Services. Fortunately, I was able to get a refund through XXXX and decided not to proceed with sending him any further money. 

On XX/XX/XXXX, I was scammed out of {$170.00} via Zelle while attempting to purchase tickets for the same XX/XX/XXXX show. I met this second seller through XXXX, and we switched to communicating via text messages. Since I had been scammed before, we agreed to split the payment into XXXX transactions. However, after I sent the money, the seller disappeared and stopped responding. When I later reached out, he told me to stop texting him and then blocked my number. 

Actions Taken : Attempted to contact the sellers after sending the money. 
Managed to get a refund through XXXX for the first incident. 
Requested a refund from the second scammer, but they blocked me. 
Used Zelle for both transactions, which does not typically offer buyer protection. 
I am reporting these fraudulent transactions and would like assistance in recovering my funds and holding these individuals accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-13 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: Possible Financial Inc
State: TX

Complaint narrative:
I am disputing the negative and derogatory information on my credit report under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], and the Uniform Commercial Code ( UCC ) 3-501. These inaccurate and unverifiable accounts have resulted in credit denials, higher interest rates, and financial hardship, warranting both removal and compensation.

I filed disputes and verification multiple times over the past years and it just gets closed out I never recieved proof valid debt.

Legal Basis for Dispute & Compensation Demand : Lack of Proper Verification : I request the original contract with my wet-ink signature proving my agreement to these debts. If the creditor can not provide this, the information must be immediately removed.

Violation of UCC 3-501 : If any entity claims I owe a debt, they must produce the original, legally binding instrument of indebtedness. Failure to do so renders their claim
invalid.

FCRA Noncompliance & Financial Damages : Under 15 U.S.C. 1681n, knowingly reporting false or unverified information is a violation, making the reporting entity liable for damages.

Demonstrable Harm Due to False Reporting : I have suffered loan denials, increased interest rates, and financial losses directly caused by these inaccuracies. Per the FCRA, I am entitled to monetary compensation for these damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 FILED AN FTC REPORT & SENT IT TO ALL XXXX CREDIT BUREAUS... I PUT ALL THE FRAUDULENT ACCOUNTS ON THERE & BELOW IS THE FTC REPORT I SENT .... I ALSO SENT THEM CERTIFIED MAIL, THEY REMOVED XXXX ACCOUNTS & RE-ADDED THEM..

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 2025-03-13 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-13 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-13 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:
I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Charge-Offs : XXXX  XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Collections : XXXX. XXXX XXXX XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX  XXXX XXXX XXXX : XX/XX/year> Privacy : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. Additionally, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent.

I have disputed these fraudulent accounts with Equifax, TransUnion, and Experian and have provided them with all required documentation to support my claim. However, these errors remain on 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 2025-03-13 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: GA

Complaint narrative:
I am writing to report fraudulent accounts that have been added to my credit report, which I believe to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies, but the fraudulent information remains unresolved, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating this matter and taking appropriate action to have these accounts removed. 

The following accounts are fraudulent and have been reported inaccurately on my credit report : Charge-Offs : XXXX  XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Collections : XXXX. XXXX XXXX XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX : XX/XX/year> XXXX. XXXX  XXXX XXXX XXXX : XX/XX/year> Privacy : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Explanation of Fraud I have never authorized or opened any of these accounts. The information provided to the credit bureaus may have been obtained through fraudulent means or identity theft. Additionally, there are hard inquiries that I did not initiate, indicating that my personal information may have been used without my consent.

I have disputed these fraudulent accounts with Equifax, TransUnion, and Experian and have provided them with all required documentation to support my claim. However, these errors remain on 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 2025-03-13 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: NY

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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