vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I am filing this complaint regarding an account reported by XXXX ( Account XXXX XXXX XXXXXXXX ). I do not acknowledge this debt and have previously disputed its accuracy with Experian. 

Following my dispute, Experian updated the account in XX/XX/XXXX to : Show the account as Open, even though it has a XXXX term from XX/XX/XXXX List a past-due balance of {$190000.00} as of XX/XX/XXXX Report XXXX  days late in XXXX and XX/XX/XXXX, even though no payments have ever been made, and I have not entered into any arrangement or agreement regarding this account These changes represent false reporting and illegal re-aging under FCRA 623 ( a ) ( 5 ). The account is being reported as if it is newly delinquent, which is factually and legally inaccurate. 

Experian has also failed to provide a description of the reinvestigation procedure as required under FCRA 1681i ( 7 ).

This misleading update negatively affects my creditworthiness and violates multiple FCRA provisions including 602 ( b ), 611 ( a ), 623 ( a ) ( 5 ), and 1681i. 

Requested Resolution : Immediate deletion of the account from my credit report Full compliance with reinvestigation procedure rules Removal of all late payment reporting and open account status I'd like to ask that this matter be taken care of promptly and that Experian be held accountable for inaccurate and harmful 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 2025-06-04 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: IL

Complaint narrative:
Hi Im reaching out about an issue Ive been having with Discover regarding my settlement plan When I first set up the plan I was told it was for 12 months I even received a letter confirming that and it clearly shows 12 monthly payments But recently after I rescheduled a payment that was due in XXXX and pushed it to XXXX I was told over the phone that I was actually on an 18 month plan That was the first time I ever heard anything about 18 months I told the representative I didnt agree to that and asked for proof They said a supervisor would review it and told me to call back which I did but nothing helpful came from it I also chatted with another agent who insisted it was 18 months and said theyd send me the documents When I got them in the mail it was the same 12 month plan I already had and had mentioned to them before When I asked to hear the phone recording where I supposedly agreed to an 18 month plan I was told Id have to take it to court to access it which feels wrong considering this directly affects me Now theyre saying my only two options are to either stay on this 18 month plan that I never agreed to or cancel the settlement altogether and owe the full original balance That doesnt feel fair All I want is for someone to actually look into this properly and confirm the agreement based on the letter I was sent and agreed to the 12 month plan Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by 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 ( ii ) 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 suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-04 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-04 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was charged for an unauthorized purchase for {$1500.00} on XX/XX/XXXX by XXXX. I immediately reached out to my bank the next day and disputed the transaction. The Scammer mailed the item to my old address overnight and then took it from the porch. 

My bank gave me the funds back but now XXXX is denying the claim since apparently the order was delivered. All of my bank transactions have been in Colorado for the past few months since this is where i now live. XXXX will not give me any info on the purchase even though they are denying my claim since apparently it shipped. 

They have put my account into {$700.00} in debt and XXXX support will not assist me at all.

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 monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I have no knowledge of this debt and it is not being provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a detailed identity theft dispute to TransUnion regarding multiple fraudulent accounts tied to my compromised data in the XXXX Data Breach. I included my FTC Identity Theft Report ( # XXXX ), police report, affidavit, and supporting documentation. Instead of blocking the accounts as required by FCRA 605B ( 15 USC 1681c2 ), TransUnion responded that the accounts were verified as reported without providing any evidence.

I am now formally invoking FCRA 611 ( a ) ( 7 ) and 1681i ( a ) ( 1 ) ( A ) and demanding that TransUnion provide the Method of Verification ( MOV ) for the accounts they claim were verified specifically XXXX and XXXX XXXX XXXX XXXX 

I explicitly requested that : TransUnion not use e-OSCAR or automated dispute systems, as this violates FCRAs requirement for a reasonable, manual reinvestigation ; They provide the original signed contracts ( with wet ink signature ) used to validate the accounts ; They comply with GLBA 68016802 due to the sensitive nature of my compromised data. TransUnion has failed to fulfill these obligations and continues to report unverifiable information despite proper legal documentation. This violates : FCRA 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate FCRA 1681i ( a ) ( 7 ) Failure to provide MOV FCRA 1681e ( b ) Inaccurate reporting FCRA 1681c2 Failure to block fraudulent data GLBA 6801, 6802 Failure to protect consumer data FDCPA 1692 If a debt collector is involved 18 U.S.C. 1029 Unauthorized use of access devices Given that the CFPB is currently pursuing enforcement actions against other bureaus for similar misconduct, I request immediate intervention and full deletion of all fraudulent tradelines as required by 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 2025-06-04 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-04 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SS # XXXX XX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Goodwill Adjustment Request for Late Payments I hope this message finds you well. I am writing to respectfully request a goodwill adjustment regarding some late payments reported on my account : XXXX XXXX Account Number XXXX XXXX XXXX : Account XXXX XXXX : Account XXXX XXXX XXXX Account Number : XXXX I understand the importance of making timely payments, and I sincerely regret the late payments that occurred on my account on XXXX XXXX XXXX. These delays were not intentional, the reason for this late payment was due I unexpectedly lost my job I was unable to keep up with my monthly payments. In addition, I suffered a significant financial loss that left me unable to meet my obligations at the time. Since then, I have taken significant steps to ensure that all future payments are made on time and have maintained a consistent payment record. 
I have been a loyal customer and value my relationship with your institution. I respectfully ask that you consider removing the late payments from my credit report as a gesture of goodwill. This would make a meaningful difference in my credit profile, especially as I work toward improving my financial health and stability. 
Please know that this request is not intended to dispute the accuracy of the information, but rather to ask for leniency based on my overall record and improved financial management. 
Thank you for your time and consideration. I would deeply appreciate any positive action you can take on my behalf. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Meta Payments Inc.

Complaint narrative:
b'My all Meta account was recently disabled, and I immediately followed the on-screen instructions to log in and submit an appeal. Around the same time, I received a suspicious email notifying me of unusual activity on my XXXX  account (Your XXXX  accounts advertising features have been restricted), even though I have never run any XXXX  ads.XXXXHowever, less than three minutes after submitting my appeal, my account was permanently banned, and I am now unable to submit any further appeals. I believe this may be the result of an error with the automated review system or AI, as I have not violated any of Metas community standards, especially in relation to serious policies such as XXXX XXXX.XXXXThis mistaken ban has not only deactivated my XXXX  account but also affected all my other Meta accounts, including XXXX XXXX XXXX. I trued to ask XXXX  team, but since my XXXX  account was disabled, my XXXX  account is also unavailable and I have only received automated AI responses, with no access to a real customer service representative.XXXXSuspension date: XXXX  profile link: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Timeline of Events : XXXX XXXX  : I received collection emails from XXXX XXXX claiming to collect on behalf of XXXX XXXX. XXXX XXXX. 
XXXX XXXX XXXX : I formally disputed the debts in writing and requested physical validation. 
XXXX XXXX, XXXX  : XXXX responded that they were no longer collecting. No physical validation was ever mailed. 
XXXX XXXX onward : TrueAccord began contacting me regarding the same accounts. I again disputed in writing and clearly rejected digital communication. 
Validation was promised but never mailed, despite acknowledgment of my dispute and instruction. 
When the original validation link expired, I requested a new one which now claimed the debt was a dishonored check, not a loan. No supporting evidence was provided. 



What Happened : I am disputing an alleged debt that TrueAccord Corp is attempting to collect on behalf of XXXX XXXX. XXXX XXXX. I do not recognize this entity, and I can find no registered business by that name. 

This same alleged debt was previously pursued by XXXX XXXX. I submitted formal written disputes and later filed a CFPB complaint when they failed to validate the debt by mail. XXXX ceased collection but no proper debt validation was ever received. 

After XXXX exited, TrueAccord began contacting me about the same accounts. I submitted another written dispute, instructed them not to email me further, and requested validation by mail. They acknowledged this request and said they would mail validation but no documents were ever sent. 

When the dispute link they originally sent expired, I requested a new one. That new link claimed the debt was a dishonored check a completely different narrative than the original loan-based claim. No check copy, signature, or bank notice has ever been provided, and I have never written a check to XXXX. 

TrueAccord has continued to send emails and never honored my request for physical validation or communication. Their conduct appears to violate the FDCPA : 1692g Failure to validate debt in response to written disputes 1692e Misrepresentation of the character and nature of the alleged debt 1692c Continued digital communication after written opt-out This situation reflects a pattern of inconsistent claims, improper communication methods, and failure to comply with statutory requirements. I request that this matter be investigated and that collection efforts cease.

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