vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

CHRYSLRCAP - XX/XX/XXXX - {$36000.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$55.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XX/XX/XXXX - {$8600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX - XX/XX/XXXX - {$910.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XX/XX/XXXX - {$2900.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

CHRYSLRCAP - XX/XX/XXXX - {$36000.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$55.00} XXXXXXXX XXXX XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XX/XX/XXXX - {$8600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX - XX/XX/XXXX - {$910.00} XXXXXXXX XXXX XXXX XX/XX/XXXX - {$3700.00} XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX - XX/XX/XXXX - {$2900.00XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$360.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2025-05-13 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 writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

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 2025-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : XXXX. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added. 
XXXX. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
XXXX. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information. 
XXXX. The name and address of the original creditor. 
XXXX. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My account ( s ) have been on autopay up until XXXX XX/XX/2025, I keep getting calls, telling me I owe past due payments, all day every day all hours, I finally spoke to someone this past Saturday XX/XX/2025 and I told him, how could I be late in paying when my accounts are all on XXXX, he keeps me on hold, then comes back and says a customer called and said take off my auto pay for all of my accounts, I am livid now, I said when and who.... he could not give me any information, then he comes back and says it must have been a glitch in the system ... '' So now, I feel they are doing this on purpose, to collect fees, because I have NEVER missed a payment, I say, this is horrible, you have reported me to the credit bureau , without asking my side if there was any, you have charged me late fees, and other fees, and you constantly harass me... he then goes on to say, " can i take the payment from your account on file '' so... you still have my account on file... but you did not take the payments..... What can I do about this...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I did a FTC report on all the collection accounts that need to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I discovered an account that was not reporting correctly when I recently checked my credit report. On an account that was actually paid on time, I had two late payments. All information must be reported by the consumer reporting agencies with perfect accuracy. Payments on this account have never been late. A copy of my report on this complaint from the following dates is attached ( XX/XX/year> ). I now ask that you look into this account and change these payments to be made on time right away. I appreciate your quick response and understanding.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
I applied for the XXXX XXXX American Express card and was approved with a {$1000.00} credit limit. During the application and approval process, I was clearly offered a XXXX XXXX APR for XXXX  months on a balance transfer up to {$750.00}. I accepted this offer based on that promotional rate. 

However, after the balance transfer was processed, my statement showed a XXXX XXXX interest rate instead of XXXX XXXX. I immediately called American Express to report this issue. They told me that because I was previously an Amex cardholder, I was not eligible for the XXXX XXXX promotioneven though this restriction was never disclosed to me during the application process. If I was ineligible for the offer, they should have rejected the balance transfer or clearly stated the actual terms upfront, not retroactively change the interest rate after accepting the transfer. 

This feels deceptive and misleading. I relied on the promotional rate when I made the transfer. I am now being charged high interest on a transfer I would not have done if I had been told the true rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-13 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: NV

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
CFPB Complaint Against Eastern Account System , Inc. 
Complaint Summary : I am filing this complaint against Eastern Account System , Inc. for furnishing inaccurate and unverifiable information to credit reporting agencies, failing to provide verification of a disputed debt, and continuing to report the alleged debt in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have no knowledge of the alleged debt being reported, and I have disputed it multiple times with the credit reporting agencies. 

I have also filed a formal complaint against Eastern Account System , Inc. with the Federal Trade Commission ( FTC ) and the Better Business Bureau ( BBB ) for these same violations, as they have failed to provide proof of the alleged debt and continue to report it inaccurately. 
Violations Committed by Eastern Account System , Inc. : 1. Failure to provide debt validation upon request as required under 15 U.S.C. 1692g ( b ) ; 2. Continued collection and reporting of a disputed debt without verification in violation of 15 U.S.C. 1692e ( 8 ) ; 3. Furnishing information to credit bureaus that is inaccurate or can not be verified in violation of FCRA 623 ( a ) ( 1 ) ( A ) ; 4. Failing to respond to multiple disputes in a timely and lawful manner ; 5. Ignoring direct disputes and third-party complaints through the FTC and BBB processes.

Harm Suffered : As a result of Eastern Account Systems inaccurate reporting and failure to verify the debt : - My credit report has been damaged ; - I have been denied credit and housing opportunities ; - I have suffered reputational harm and emotional distress ; - I have incurred time and expense disputing this debt through multiple channels.

I Reserve All Legal Rights : If this matter is not resolved, I reserve the right to pursue legal remedies under the Fair Credit Reporting Act ( 15 U.S.C. 1681n and 1681o ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692k ), and to seek statutory damages of {$1000.00} per violation, plus actual damages, costs, and attorneys fees. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-13 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 recently received my report and noticed inaccurate reporting. I have 3 late payments on an account that I paid on time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The consumer reporting agencies needs to report accurate information this account has not been late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'm requesting you investigate and provide proof with records showing I had late payment. If you can not provide the proper information requested. Then I would like for you to remove the late payments and update my report to paid on time immediately.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I graduated college in XXXX. My mother who managed my student loans believed that she had paid all my student loans in full in XXXX. In early XXXX, we began receiving calls about an outstanding balance from a loan servicer that we were unaffiliated with, Nelnet. 

These calls were initially brushed off as a scam ( we were under the assumption everything was paid ). After receiving multiple phone calls, we investigated the matter and determined that there was indeed an outstanding unpaid balance. Once that was realized, the balance was immediately paid in full to close the account ( notice of balance paid is attached ). However, by the time it was acknowledged and paid it was too late. 

XXXX Day late payment notices were posted to my account and reduced by credit score by XXXX points. I have never been late for a payment ( of any kind ) in my entire life and now I will be haunted by a few late payments for a XXXX old debt ( that I didn't even know I had ) for the next 7 years. At no time between XXXX and XXXX was I or my mom ( who was the primary account holder ) notified of this outstanding debt. I don't believe I should be penalized for a debt that my mother managed that I didn't even know I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$5900.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$970.00} XXXXXXXX XXXX XXXX XXXX  XXXX * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$4100.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$380.00} XXXX - XXXX * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2025-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have been contacted by Harris & Harris regarding a debt for XXXX XXXX. The 2 texts I received both disclosed that they were from a debt collector, however I have never once disclosed my personal information. My identity was never confirmed with them, yet they disclosed that they were debt collectors in their messages. This could have been harmful had someone else checked my phone and saw said messages. Messages were sent XX/XX/XXXX and XX/XX/XXXX. I have since opted out of the communication, but their first message ever to me was that they were collecting a debt

Company response to consumer: Closed with explanation