vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
Subject : Fraudulent Debt Collection Activity by Contract Callers , Inc. for Non-Existent XXXX Account Debt To the Consumer Financial Protection Bureau, I am submitting this complaint regarding a fraudulent and inaccurate debt being reported and pursued by Contract Callers , Inc. ( CCI ) for an alleged XXXX account that does not belong to me and for which I owe no outstanding balance. 

1. This Debt Is Not Mine Contract Callers , Inc. claims that I owe money to XXXX ; however, I have not had an active XXXX account in years, and I moved from the residence associated with that account a very long time ago. It is impossible that this alleged debt belongs to me. I received no correspondence of any kind from XXXX regarding any past due balance, and both of my accounts show as inactive/closed with a zero ( {$0.00} ) balance, as reflected in the attachments provided. 

2. Contract Callers Is Attempting to Collect an Invalid and Fraudulent Debt Despite my XXXX accounts being fully paid and closed, Contract Callers , Inc. is attempting to pursue a debt that does not exist. 

Their actions constitute : Misrepresentation of a debt Attempted collection of an account with a zero balance Furnishing or attempting to furnish inaccurate information Violations of the Fair Debt Collection Practices Act ( FDCPA ) Potential violations of the Fair Credit Reporting Act ( FCRA ) I have no legal or financial obligation to Contract Callers , Inc. for this account.

3. This Debt Must Be Removed Immediately I am requesting the following : Immediate removal of this fraudulent debt from all credit reporting agencies. 
A full investigation into the validity of this alleged account. 

Written confirmation that : The account has been removed, Contract Callers has ceased all collection activity, All reporting errors have been corrected.

4. Supporting Documentation Provided I have attached : Proof of payment in full Statements from XXXX showing {$0.00} balance and inactive/closed status Evidence proving that this alleged debt is fraudulent, incorrect, and not associated with me 5. Requested CFPB Action I respectfully request that the CFPB : Ensure immediate removal of this false information Ensure Contract Callers stops all collection efforts Ensure XXXX corrects any improper placement of the account in collections Ensure full compliance with FDCPA and FCRA obligations This matter involves a non-existent, fraudulent debt that has been improperly attributed to me. I have provided all documentation necessary to prove that I do not owe this debt and never did. I request swift action to resolve and correct this issue. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed im
mediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-12-01 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: WA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed im
mediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of today, there has been no update on any of the XXXX agencies Since XX/XX/XXXX. Alot of the information on accounts that I paid off and closed is still there. My old personal information isn't updated as I requested ill speaking to and agent at each agency. When try to apply for credit i continue to be denied due to these things. I have submitted all paid in full accounts as well as old information. 
XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX paid and closed balance {$0.00} XXXX XXXX bank ( XXXX ) opened XX/XX/XXXX Paid and closed balance {$0.00} XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX paid and closed balance {$0.00} XXXX XXXX XXXX XXXX ( Secured credit card ) opened XX/XX/XXXX paid and closed ) {$0.00} XXXX XXXX ( XXXX ) ( secured Card ) opened XX/XX/XXXX Paid and closed {$0.00} XXXX XXXX XXXX ( XXXX ) ( secure loan ) opened XX/XX/XXXX paid -never late and closed {$0.00} XXXX XXXX XXXX Line of credit ) opened XX/XX/XXXX paid never late closed {$0.00} Addresses I have asked to be removed as well. 
XXXX XXXX I only use my maiden name i have been divorced XXXX  years.DF not DE my pay history is XXXX  % and my amount of debt is XXXX  %, make it as if i have a semi high ebt.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As of today, there has been no update on any of the XXXX agencies Since XX/XX/XXXX. Alot of the information on accounts that I paid off and closed is still there. My old personal information isn't updated as I requested ill speaking to and agent at each agency. When try to apply for credit i continue to be denied due to these things. I have submitted all paid in full accounts as well as old information. 
XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX paid and closed balance {$0.00} XXXX XXXX bank ( XXXX ) opened XX/XX/XXXX Paid and closed balance {$0.00} XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX paid and closed balance {$0.00} XXXX XXXX XXXX XXXX ( Secured credit card ) opened XX/XX/XXXX paid and closed ) {$0.00} XXXX XXXX ( XXXX ) ( secured Card ) opened XX/XX/XXXX Paid and closed {$0.00} XXXX XXXX XXXX ( XXXX ) ( secure loan ) opened XX/XX/XXXX paid -never late and closed {$0.00} XXXX XXXX XXXX Line of credit ) opened XX/XX/XXXX paid never late closed {$0.00} Addresses I have asked to be removed as well. 
XXXX XXXX I only use my maiden name i have been divorced XXXX  years.DF not DE my pay history is XXXX  % and my amount of debt is XXXX  %, make it as if i have a semi high ebt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an inaccurate, duplicate, and improperly reported collection account involving XXXX XXXX and Eastern Account System , Inc. The collection was for alleged unreturned equipment, even though the equipment was ultimately returned, and the charges stemmed entirely from XXXX system failures. 

I maintained two XXXX accounts : a residential line and a business line. Both accounts were tied to one email address, which repeatedly caused billing errors, autopay failures, and login issues. Frontiers own system canceled my autopay on multiple occasions, causing recurring {$9.00} late fees. 

It is believed that the collection amount relates to equipment returns, but XXXX failed to provide the required QR codes needed to return equipment through XXXX. XXXX sent me two separate How to Return Equipment emails ( one for each account ), and neither email contained a QR code. Because the QR code is required for the return, I spent days trying to retrieve it and even had two employees attempt it. The system never generated a working QR code. This made it functionally impossible to return the equipment within the required timeframe. Despite these obstacles created by XXXX, I eventually returned the equipment for the residential line equipment. 
Despite returning the equipment, XXXX sent the account to collections. I then paid Eastern Account System under duress solely to prevent further credit damage. Later, XXXX billed me again for the same equipment and I paid them as well. XXXX therefore collected the same debt twice. I went through the same struggled returning the equipment for the business line and it appears to be a predatory practice by the company to avoid equipment returns and therefore increase closeout fees. 

Even after returning the equipment and paying the charges twice, XXXX and Eastern Account System reports a derogatory mark to the credit bureaus. The following details are now appearing on my credit report : Collection Agency : Eastern Account System, Inc. 

Original Creditor : XXXX  Original Amount : {$170.00} Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Status : Paid ( consumer disputes ) This information is inaccurate, misleading, and harmful. There was never a valid debt because XXXX failed to supply the necessary return materials. Equipment was ultimately returned. I was charged twice for the same amount. And XXXX  autopay failurescaused by system errorsresulted in additional charges and confusion. 

Because this debt was not valid, the collection should never have occurred and should not have been furnished to the credit bureaus. The current reporting is factually false and continues to damage my credit and ability to obtain financing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-01 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: TX

Complaint narrative:
I must stress that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has been blatantly ignored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved matter is causing severe emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of today, there has been no update on any of the XXXX agencies Since XX/XX/XXXX. Alot of the information on accounts that I paid off and closed is still there. My old personal information isn't updated as I requested ill speaking to and agent at each agency. When try to apply for credit i continue to be denied due to these things. I have submitted all paid in full accounts as well as old information. 
XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX paid and closed balance {$0.00} XXXX XXXX bank ( XXXX ) opened XX/XX/XXXX Paid and closed balance {$0.00} XXXX XXXX XXXX ( XXXX ) opened XX/XX/XXXX paid and closed balance {$0.00} XXXX XXXX XXXX XXXX ( Secured credit card ) opened XX/XX/XXXX paid and closed ) {$0.00} XXXX XXXX ( XXXX ) ( secured Card ) opened XX/XX/XXXX Paid and closed {$0.00} XXXX XXXX XXXX ( XXXX ) ( secure loan ) opened XX/XX/XXXX paid -never late and closed {$0.00} XXXX XXXX XXXX Line of credit ) opened XX/XX/XXXX paid never late closed {$0.00} Addresses I have asked to be removed as well. 
XXXX XXXX I only use my maiden name i have been divorced XXXX  years.DF not DE my pay history is XXXX  % and my amount of debt is XXXX  %, make it as if i have a semi high ebt.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Received an email for a credit inquiry that I did not request into a loan that I did not apply for. Notes no credit file which is incorrect. Requested that account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2025-12-01 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: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XXXX my mom disputed a charge because she is elderly and forgot that it was for her phone bill. I have been going back and forth with XXXX  and they will not release the funds back to me even though the dispute was reversed by my moms bank, XXXX  took the money back out of my moms bank account, but the money is no where to be found. I opened a case and I saw a transaction on both of our XXXX  accounts where they put the money back, took it out again, and now it doesnt show any money on hold and the transactions have been deleted. I have done everything theyve asked and am confused as to why those transactions were deleted and now my money doesnt show on hold yet is has not been refunded back to my moms bank account or places into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief