vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: NV

Complaint narrative:
I was employed by Americor until XX/XX/year>. During my employment, Americors leadership, specifically XXXX XXXX, advised and encouraged me to enroll in Americors debt settlement program to relieve financial pressure. I was expressly assured that enrolling in the program would not affect my job security. 

Relying on these assurances, I enrolled. Shortly thereafter, I was placed on a one-week XXXX XXXX XXXX ( XXXX ), which deviated from the companys normal monthly evaluation process and appeared to be used as a pretext for my termination. I was terminated on XX/XX/XXXX, XXXX5just XXXX days before the end of the monthdepriving me of approximately {$6000.00} {$8000.00} in earned commissions and bonus I had already worked toward. 

As a direct result of Americors misrepresentations : My credit has been damaged because I could not fully fund my debt settlement program as intended. 

I have lost my ability to maintain my securities, mortgage, and insurance licenses, which are essential for employment in my field. 

I have suffered lost wages, loss of future earning capacity, and reputational harm. 

Americor has acknowledged my complaint but offered only XXXX months severance pay ( {$2600.00} before taxes ), which does not reflect the scope of the financial and professional harm caused. 

I am requesting CFPB review because Americors actions represent fraudulent or negligent misrepresentation, bad-faith use of a debt settlement product, and resulting financial and professional damage. I seek appropriate relief including compensation for lost income, acknowledgment of the role Americors program played in my licensing losses, and corrective steps to mitigate the credit damage caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate personal information on my credit file that does not reflect my true and current identity. My correct and only address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, yet Experian continues to list an outdated and irrelevant previous address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, from XX/XX/year>. 

This information is factually wrong and creates a distorted and misleading record of my personal history. The Fair Credit Reporting Act requires consumer reporting agencies to maintain accurate and verifiable information, yet Experian has failed to ensure the integrity of my file. Outdated addresses should not remain on my report indefinitely, especially when they are no longer relevant or associated with my current financial activity. 

I have disputed this with Experian, but they have failed to properly investigate and remove the inaccuracy. Their refusal to correct my file suggests either a failure in their reinvestigation process or a disregard for their obligations to ensure maximum possible accuracy. This negligence has caused me stress and frustration as I attempt to maintain a clean and accurate credit history. Furthermore, the continued presence of this outdated address exposes me to unnecessary risks, including confusion during credit applications and potential linkage to unrelated activity that could damage my financial standing.

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 2025-08-20 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-20 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: IL

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

Company 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 2025-08-20 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even XXXX day longer than necessary.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute the denial of my fraud claim by JP Morgan Chase bank regarding the {$2900.00} unauthorized wire transfer. 

TO BE CLEAR : this was not an authorized transaction. It was a bank impersonation scam. A caller pretending to be from Chase 's fraud department convinced me that my account was compromised and instructed me to wire money. I believe I was following Chase 's own security procedures. The scammers called from a legitimate Chase phone number and the person gave a name and employee number. 

Chase is treating this as an " authorized wire '' but that framing ignores the reality - I was manipulated under false pretenses. I did not intend to send money to a third party, I thought I was working with my bank to protect my funds. This is fraud, and I am asking that it be recognized as such as that Chase make restitution of the funds. They were supposed to provide a temporary provisional credit, and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I reviewed my credit report and identified several inaccurate and misleading accounts being reported by XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 


XXXX XXXX ( Charge-Off ) Reported as a charge-off without documentation of whether a 1099-C was filed with the IRS. A debt can not be both canceled and still reported as collectible. No proof was provided during the reinvestigation. 

XXXX XXXX XXXX ( Late Payments ) The account history shows consecutive XXXX late payments and a XXXX late entry that are inconsistent with actual activity. This pattern is not possible and represents inaccurate reporting. 

XXXX XXXX XXXX  ( XXXX XXXX ) A XXXX late was reported even though the billing statement for that cycle was not sent at least XXXX  days before the due date. This violates the Truth in Lending Act ( 15 U.S.C. 1666b ), which requires that statements be delivered a minimum of XXXX  days before treating a payment as late. 

I received a response from the credit reporting agencies in XX/XX/year>, but the accounts were marked as verified without proper documentation. It appeared that only an automated e-OSCAR response was used instead of a meaningful investigation and no evidence provided to me showing compliance with federal law. 

At this point, the reporting agencies and furnishers have failed to correct or remove inaccurate information after multiple disputes. These actions are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1666b ). 

I am requesting that the CFPB require the companies involved to : Provide full documentation proving the accuracy and legal compliance of the accounts in question, OR Remove the inaccurate accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
I have never received information from the company. They claim that their communication was returned but that could not be true. The original debt is with XXXX XXXX and in contacting XXXX XXXX, I learned that the debt is now with the company " First Advantage '' or " First Source. '' They answer their phone " hello, '' and do not seem like a legitimate operation. I am not confident that they do own my debt and/or have the ability to settle it. Further, in speaking with a couple of " agents, '' I was unable to resolve any plan to satisfy the debt. They kept pushing a lump-sum payment option and even after explaining many times that I can not pay a lump sum, they continued to bully and push it. I have no information from them that they are legitimate, that they are even a business. They have no internet presence, and their tactics are unrelenting. I would like to set up a payment plan but am unsure of whom to contact. The following is the last person with whom I spoke : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an unauthorized account being reported under my credit file. I did not apply for, open, or use this account. Its reporting is false and is causing unjust harm to my credit history.

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 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
There are XXXX telecommunication accts. With Jefferson Capital. XXXX is XXXX .. they have double reported me and have wrong amount owed. XXXX has XXXX different dates for debt and false claims of me not returning phones! 

First premier bank with Jefferson also has wrong dates and also double reported my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am writing to file a complaint against a collection agency that is reporting a {$220.00} collection from Aldous on my credit report from a gym membership. This is causing me a lot of stress because I have never had a collection on my report before, and this one is completely wrong. 
I believe there's been a big mistake. A while back, my gym subscription was supposed to end, but they insisted on renewing it, which I did not agree to. I called both the original gym and the collection company to try and fix this and make it clear that I wanted to cancel my contract. It seems like whoever I spoke to did not file my request properly, and now my credit is suffering because of this error. 


It's not fair that my credit is being hurt over a charge that isn't even valid. I have the money to pay this, but I refuse to because it's not my debt. I'm a responsible person who always pays my bills on time, and I did not owe this money. I am a victim here, and this should never have happened. 
I'm asking for your help to investigate this matter and have this false collection removed from my credit report immediately. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
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.

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 2025-08-20 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:
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.

Company response to consumer: Closed with non-monetary relief