vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged Off Accounts : XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late Payment : DEPT OF ED/XXXX  Account No : XXXXXXXX XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX Account No : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Exto Inc.
State: WA

Complaint narrative:
I am new to credit cards. So I was told that this credit card service; ATLAS XXXX  CREDIT CARD ( Not atlas credit, its the atlas credit card with rewards ), you would get a promotion offer for joining and putting in your direct deposit. That you would put money in the card before being able to spend it, that way I didn't put myself in a negative. What they didn't tell me, is that they take your direct deposit and give you a spending power. but you are also charged for using/swiping card to use said spending power. It had a smart pay system that started taking money from my bank account directly to automatically pay for balances that occurred for using the card, and, I was getting my entire hard earned pay check directly deposited into, to avoid that issue entirely... 
The Smart Pay system didn't let you chose when to pay, how much to pay.... it took whatever accumulated balance you had, and took that same amount from your bank instantly. I'm waking up to {$300.00} missing out of a {$500.00} paycheck...... to pay for a balance that accumulated just for swiping/using the card. You also got charged for using the spending power. AND THEY STILL WANT ME TO PAY MORE! FOR USING MY OWN MONEY! 
So I guess my lack of knowledge is putting me in a negative experience and I don't want anyone else to go through what I had gone through....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I am disputing the inaccuracies on my credit report as they are having direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. This recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-12-04 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: PA

Complaint narrative:
XX/XX/year> The company will be sending me letter application was declined .. and report to the credit Bureau in error.

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 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
CFPB COMPLAINT # XXXX TRUEACCORD XXXX Collector : TrueAccord Address : XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX Phone : Not provided in the report Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$300.00} Original Creditor : XXXX Complaint Summary I am filing a complaint against TrueAccord for reporting a collection account to XXXX  under account number XXXXXXXX XXXX XXXX XXXX XXXX  without providing any form of debt validation. 

TrueAccord has not provided : A signed agreement with XXXX A complete account history Billing statements Itemized charges Proof they are legally authorized to collect Proof they own or were assigned the account This violates : FDCPA 809 ( b ) Failure to validate FDCPA 1692e Misrepresentations FCRA 623 ( a ) Reporting unverifiable information The continued reporting is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because multiple accounts on my credit report are being reported inaccurately, without proper verification, and in violation of the FCRA. These items are damaging my credit profile and do not reflect my true payment history or account ownership. I am requesting a full investigation and immediate correction. 
1. XXXX XXXX XXXX XXXX  High Balance : {$2300.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : I have no knowledge of this account being charged off. This reporting is inaccurate and was never validated with proper documentation. I need verification or removal. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX Status : Charge Off Issue : This account is being reported as a charge off without my authorization or acknowledgement. No original signed agreement has been provided. Please investigate and correct. 
3. XXXX XXXX XXXX XXXX XXXX High Balance : {$910.00} Date Opened : XX/XX/XXXX Status : Collection Issue : I do not recognize this alleged debt. The company has not shown any proof of ownership, assignment, or original validation. This entry should not be reported without proper verification. 
4. XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7500.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection account is inaccurate, unverified, and not associated with any account I opened. No legal documentation or billing records have been provided. 
5. XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX Status : Late Payment Issue : This late payment is being reported incorrectly. I have never been late, and the reporting does not match my payment activity. I am requesting full correction of the payment history. 
Request for Resolution : I am disputing these accounts due to inaccurate, incomplete, and unverified reporting. I am requesting the CFPB to investigate these items, require the furnishers to provide full validation, and correct or remove any information that can not be verified according to FCRA guidelines. 
Thank you for your attention.

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 2025-12-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-04 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The issue is BMO bank has denied credit card and has violated redlining. Pursuant to ( ECOA ) Fair Housing Act, CRA Community Reinvestment Act, FDIC, OCC. The XXXX : XXXX area is divided into City and County The XXXX XXXX has been Redlined By BMO bank. they have no Atms in the XXXX XXXX ares. They are locaed XXXX to XXXX XXXX miles from my house from the nearest bank in XXXX XXXX MISSOURI . In thier XXXX XXXX area there is no ATM where one can deposit cash.

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 2025-12-04 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: NJ

Complaint narrative:
Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, Experian, Transunion, and Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice.

Additionally, the CFPB has documented Experians, Transunion 's, and Equifax 's systemic failures to investigate disputes properly, including : Conducting sham investigations.

Failing to provide consumers with accurate or consistent investigation results.

Improperly reinserting deleted information.

I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account statement, dispute correspondence, and more.

* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, and send conrmation of the results within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, Experian, Transunion, and Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice.

Additionally, the CFPB has documented Experians, Transunion 's, and Equifax 's systemic failures to investigate disputes properly, including : Conducting sham investigations.

Failing to provide consumers with accurate or consistent investigation results.

Improperly reinserting deleted information.

I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account statement, dispute correspondence, and more.

* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, and send conrmation of the results within 30 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries are inaccurate and contain unauthorized collections and late payments. 

Charged Off Accounts : XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} Inquiries : XXXX CARD, Date : XX/XX/XXXXXXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT ED/XXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT EDXXXX, XXXX DPT ED/XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report 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 explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am writing to dispute the following information that has been reported inaccurately on my credit report. These accounts are in dispute for the reasons outlined below. I request a thorough investigation and correction of these discrepancies. 

EXPERIAN ( XXXX ) INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/year> XXXX CARD - XX/XX/year> LATE PAYMENT : XXXX - Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
I received a letter in the mail regarding a debt from a bank I have never dealt with from Spring Oaks Capital, a debt collector.

I contaced the original bank and they have no record of my name and the account number provided is not even an account number that they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXX / XXXX XXXX XXXX Account # XXXX / XXXX XXXX bank XXXX Account XXXX XXXX / XXXX XXXX  Account # XXXX / XXXX XXXX XXXX bank. 
Account # XXXXXXXX XXXX XXXX XXXX XXXX  / Dept Of EdXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  / Dept Of EdXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  / Dept Of EdXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX / Dept of EdXXXX XXXX These accounts violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) and according to 15 USC 1681i5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed to a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency, shall- ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation, and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation