vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-27 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: FL

Complaint narrative:
I am following up regarding my prior dispute, as the inaccurate information on my credit report has still not been addressed. This continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), and I must again request the permanent removal of the unverifiable accounts and unauthorized inquiries listed below.

The charged-off accounts in my file remain reported without the proper documentation. Without a valid 1099-C on debts above {$600.00}, these items are incomplete and unverifiable. Reporting them in this manner violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to maintain maximum possible accuracy. The accounts that must be removed are : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} * * In addition, a collection account continues to be reported despite being unverifiable. Federal law mandates that any information that can not be verified must be permanently deleted. The relevant statutes protecting me in this situation are FCRA 605B [ 15 U.S.C. 1681c-2 ] and FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. The account is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} * * Additionally, there are inquiries that remain on my report even though they were not authorized by me. This constitutes unlawful access to my credit file and violates FCRA 619 [ 15 U.S.C. 1681q ], FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], and FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ]. Furthermore, under FCRA 605B [ 15 U.S.C. 1681c-2 ], I have the right to block fraudulent or unauthorized information. The inquiries that require removal are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I am following up regarding my prior dispute, as the inaccurate information on my credit report has still not been addressed. This continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), and I must again request the permanent removal of the unverifiable accounts and unauthorized inquiries listed below.

The charged-off accounts in my file remain reported without the proper documentation. Without a valid 1099-C on debts above {$600.00}, these items are incomplete and unverifiable. Reporting them in this manner violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to maintain maximum possible accuracy. The accounts that must be removed are : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} * * In addition, a collection account continues to be reported despite being unverifiable. Federal law mandates that any information that can not be verified must be permanently deleted. The relevant statutes protecting me in this situation are FCRA 605B [ 15 U.S.C. 1681c-2 ] and FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. The account is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} * * Additionally, there are inquiries that remain on my report even though they were not authorized by me. This constitutes unlawful access to my credit file and violates FCRA 619 [ 15 U.S.C. 1681q ], FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], and FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ]. Furthermore, under FCRA 605B [ 15 U.S.C. 1681c-2 ], I have the right to block fraudulent or unauthorized information. The inquiries that require removal are : 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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OH

Complaint narrative:
VALIDATION OF DEBIT LETTERS WERE SENT XXXX TO THREE DIFFERENT COMPANIES AND NON HAVE RESPONDED IN THE PAST 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MS

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 2025-09-27 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: TN

Complaint narrative:
I am submitting this complaint regarding the reporting of my account with XXXX XXXX XXXXXXXX XXXX on my Equifax credit report. The account is currently reported as having a balance owed of {$1600.00} and showing XXXXday late payments from XX/XX/XXXX through XX/XX/XXXX, which I dispute as inaccurate.The reporting is misleading and harmful, as it does not reflect my actual payment history and portrays me as delinquent when I made good-faith efforts to manage the account responsibly. Additionally, the report contains contradictory information, showing no late payments recorded in the payment history section, which makes the reporting inconsistent and unverifiable.15 U.S.C XXXX XXXX ( a ) ( XXXX ) gives me the right to dispute incomplete or inaccurate information and request a reinvestigation.15 U.S.C. XXXX ( b ) requires Equifax to maintain reasonable procedures to ensure maximum possible accuracy of information reported.15 U.S.C XXXX XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. 
15 U.S.C. XXXX ( a ) ( XXXX ) prohibits the continued reporting of inaccurate or unverifiable derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am submitting this complaint regarding the reporting of my account with XXXX XXXX XXXXXXXX XXXX on my Equifax credit report. The account is currently reported as having a balance owed of {$1600.00} and showing XXXXday late payments from XX/XX/XXXX through XX/XX/XXXX, which I dispute as inaccurate.The reporting is misleading and harmful, as it does not reflect my actual payment history and portrays me as delinquent when I made good-faith efforts to manage the account responsibly. Additionally, the report contains contradictory information, showing no late payments recorded in the payment history section, which makes the reporting inconsistent and unverifiable.15 U.S.C XXXX XXXX ( a ) ( XXXX ) gives me the right to dispute incomplete or inaccurate information and request a reinvestigation.15 U.S.C. XXXX ( b ) requires Equifax to maintain reasonable procedures to ensure maximum possible accuracy of information reported.15 U.S.C XXXX XXXX ( a ) ( XXXX ) ( A ) prohibits furnishers from reporting information they know or should know is inaccurate. 
15 U.S.C. XXXX ( a ) ( XXXX ) prohibits the continued reporting of inaccurate or unverifiable derogatory 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 2025-09-27 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: AR

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I pay my credit card full every time I used. However I put my bank account wrong and payment when wrong. They close my credit card my score when down XXXX point

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I was a victim of identity theft cards were opened without my knowledge I contacted the company and got no help I would like these items removed they our harming my credit with no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TN

Complaint narrative:
From XXXX through XXXX, I paid my XXXX  loan on time. During the COVID-19 emergency, payments were paused under the CARES Act until XX/XX/XXXX. In XX/XX/XXXX, I discovered my credit score had dropped significantly because my loan servicer incorrectly reported my account as 180 days late. 

When I contacted the servicer, they admitted they had all of my contact information wrong. They listed an address in XXXX  where I have never lived ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and also sent notices to an old XXXX address ( XXXX XXXX XXXX ) that I moved out of in XXXX. They also had the wrong phone number and email. Because of these errors, I never received any communication that payments were due. 

Once I reached them directly, they corrected my personal information and confirmed I am back on a payment plan in good standing. However, the false late payment reporting remains on my credit report and has severely damaged my credit score, preventing me from obtaining a commercial loan. 

I am requesting that the inaccurate late payment history be removed and my credit report updated to reflect accurate, on-time status.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
From XXXX through XXXX, I paid my XXXX  loan on time. During the COVID-19 emergency, payments were paused under the CARES Act until XX/XX/XXXX. In XX/XX/XXXX, I discovered my credit score had dropped significantly because my loan servicer incorrectly reported my account as 180 days late. 

When I contacted the servicer, they admitted they had all of my contact information wrong. They listed an address in XXXX  where I have never lived ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), and also sent notices to an old XXXX address ( XXXX XXXX XXXX ) that I moved out of in XXXX. They also had the wrong phone number and email. Because of these errors, I never received any communication that payments were due. 

Once I reached them directly, they corrected my personal information and confirmed I am back on a payment plan in good standing. However, the false late payment reporting remains on my credit report and has severely damaged my credit score, preventing me from obtaining a commercial loan. 

I am requesting that the inaccurate late payment history be removed and my credit report updated to reflect accurate, on-time status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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:
Account Number : XXXX Complaint Summary : I am disputing the accuracy and legality of the negative reporting associated with my XXXX XXXX account XXXX which has been reported with multiple late payments, past due balances, and ultimately charged off. This reporting is inaccurate and unlawful under federal law.

Legal Basis : Under 15 U.S.C. 1666b ( Time to Make Payments ), a creditor may not treat a payment as late unless it has ensured billing statements were mailed or delivered at least 21 days prior to the due date. Failure to comply invalidates any late fees or delinquency reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information must report data with maximum possible accuracy. 
Violation Details : My credit report reflects repeated late payments between XXXX and XXXX, escalating to a charge-off in XX/XX/XXXX. There is no proof that XXXX XXXX delivered billing statements in compliance with the law. The reporting of delinquencies without proper compliance constitutes inaccurate and unlawful furnishing.

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 2025-09-27 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:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all XXXX bureaus is in clear violation of the FCRA, 15 U.S.C. XXXXXXXX ( b ), which requires credit reporting agencies to ensure accuracy. 

The bureaus are also in violation of 15 U.S.C. XXXX, which requires disputed items to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. XXXX, which entitles me to accurate and complete information about my 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 2025-09-27 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:
This complaint is being submitted because inaccurate and unauthorized accounts are appearing on my credit report. I did not create or authorize these accounts, and I was not notified when they were added. The inconsistent reporting across all XXXX bureaus is in clear violation of the FCRA, 15 U.S.C. XXXXXXXX ( b ), which requires credit reporting agencies to ensure accuracy. 

The bureaus are also in violation of 15 U.S.C. XXXX, which requires disputed items to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. XXXX, which entitles me to accurate and complete information about my 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 non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I contacted chime 3 times to put a stop payment on a merchant, chime reassured me that they blocked the merchant and they wouldnt be able to charge my card. I was charged by the merchant, I contacted chime to ask them how come I was still charged even tho I asked for a stop payment and they couldnt give me an answer. I decided to dispute the transactions that was charged and I told chime that it was because of their negligence and because of their inability to secure my funds thats why the merchant was still able to charge my account. The claim was denied, I called chime to get further details as to why since it was their fault and they said there was no error, I asked them how come the merchant was still able to charge me and no answer was given. Chime took less than XXXX week to investigate the claim and they said they found no error. I was charged again a XXXX by the merchant even tho chime guaranteed me that they put a stop payment on the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
Global BIZ solutions a debt collector that purchased an old debt from when I owned a small business. The XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX enforcement unit direct number ( XXXX ) XXXX called threatening that they have contacted my bank and are in the process of freezing my bank account and they are sending someone to my house to inventory and value my property and I I dont set up a time frame they will just show up. The amount they are saying I owe is way higher than what I actually owed and I did set up a signed repayment plan with them with a due date of the XXXX of each month. XXXX XXXX XXXX calls me multiple times a month before the Due date stating if I dont go ahead and pay the monthly payment then she will go ahead and freeze my bank account and seize my personal property. I sent them a letter stating to not contact or harass me anymore the monthly payment get paid to them as per the agreement and has each month since the settlement agreement was signed, and payment will continue to be tendered to them on the XXXX of each month and there is no longer any need to harass and threaten me, or to pretend to be a state agent in charge of enforcing property liens. I want them to stop Harrassing me!!! They are getting my money why continue to threaten and harass me. The last voicemail I received from her was on XX/XX/year> at XXXX and it stated that my is due and I need to XXXX her the money and send her a receipt showing I paid {$750.00} XXXX or she would void the settlement and would seize all of my personal assets. The are terrible people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XXXX  declined my previous dispute I have legal documentation that this case has been dismissed from my name in regards to credit acceptance

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