vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I placed an online order for XXXX products through XXXX XXXX. Payment was processed, but I never received the merchandise. I contacted XXXX XXXX multiple times to report the missing items and was told an investigation would be opened. Despite my follow-up attempts, I never received any updates or resolution from XXXX. 

Later, I was informed that XXXX XXXX had no record or no knowledge of the account in question. However, the alleged debt was subsequently placed with TrueAccord, a third-party debt collection agency, and is now being reported on my credit file under XXXX XXXX XXXX XXXX XXXX. 

The debt being reported is inaccurate, unverifiable, and the result of merchandise never delivered. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I have the right to have inaccurate information investigated and removed. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e & 1692f ), a debt collector may not attempt to collect on a debt that is false, misleading, or not owed. 

This account has caused significant harm to my credit standing, financial opportunities, and peace of mind. The actions of XXXX XXXX and TrueAccord in failing to resolve this matter or verify the debt violate my consumer rights and have caused undue hardship.

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 2025-08-07 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: FL

Complaint narrative:
Dispute of Previously Verified Yet Inaccurate Late Payments - Request for Manual Reinvestigation. Dear CFPB, I am filing this complaint to dispute multiple inaccurate and unverified late payment entries on my EQUIFAX credit file, as of the report dated XX/XX/XXXX XXXX. The following accounts have previously been " verified '' by the credit bureaus. However, I was never provided any legally sufficient documentation or original creditor records to substantiate the alleged delinquencies. As such, the continued reporting of these late payments is a violation of the Fair Credit Reporting Act, Truth in Lending Act, and Metro 2 Compliance Guidelines. Disputed Accounts ( Previously " Verified '' Without Proof ) : XXXX. Bank XXXX XXXX, XXXX. - XXXX XXXX  - Account Number : XXXX - Status : Closed/Paid - Alleged Lates : XXXX and XX/XX/XXXX ( XXXX days late ) XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX - Account Number : XXXX - Status : Closed/Paid - Alleged Late : XX/XX/XXXX ( XXXX  days late ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Status : Closed/Paid - Alleged Lates : XXXX and XX/XX/XXXX ( XXXX days late ) Grounds for Immediate Removal or Correction : Despite these accounts being marked as " verified, '' no original billing statements, proof of late delivery, or signed loan documents have been furnished to validate the delinquency under the following laws : - FCRA XXXX ( a ) ( XXXX ) ( A ) - Information that can not be verified must be deleted. - FCRA XXXX ( a ) ( XXXX ) - I have a right to examine the information used to verify these entries. - 15 U.S. CXXXXe XXXX ( a ) - A creditor may not report a payment as late unless a statement was mailed or delivered XXXX days before the due date. - Metro 2 Reporting Guidelines - Accurate late reporting must comply with Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXXXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-08 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: KY

Complaint narrative:
XXXX'Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction: XXXX XXXX XXXX BalanceXXXX XXXX XXXX Balance:XXXXBankruptcy XXXX  7 U.S. Bankruptcy Court Docket Identifier: XXXX\nBankruptcy XXXX  U.S. Bankruptcy Court Docket IdentifierXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
chime failed to credit me my disputes i filed on dispiute and XXXX rebuttal claims opening dispute was unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report has been compromised by the inclusion of a fraudulent account that does not belong to me. I have never had any interactions with the creditor listed and did not authorize the creation or reporting of this account. Its presence is misleading and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: OK

Complaint narrative:
I received dispute results on XX/XX/scrub> 2025 with assigned report number as XXXX. The dispute corrected a collections account from XXXX XXXX XXXX XXXX XXXX that changed the account from " Collections account. {$240.00} past due as of XX/XX/year>2025. '' to " paid, closed ''. 

I received additional dispute results on XX/XX/year>2025 with assigned report number as XXXX. The dispute uncorrected a collections account from XXXX XXXX XXXX XXXX XXXX that changed the account from " paid, closed '' to " Collection account. {$240.00} past dues as of XX/XX/year>2025 ''. 

Why did Experian close an account only to reopen it when I submitted a letter from XXXX XXXX XXXX XXXX XXXX, that says, " our records reflect your account has been paid in full ''?

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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
They contact my mother va her phone number which is XXXX and told her about the debt owed, yet I was never contacted about said debt. They say they are United Collection Bureau, yet their phone call was very robotic, and sounded static. The lady talking said I owed something, but couldn't explain what.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. This is hurting my ability to obtain credit.

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 2025-08-08 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 believe these accounts were opened without my authorization, possibly using stolen information. I ask for an in-depth review and prompt deletion from my credit file. Documentation enclosed.

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 2025-08-08 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: PA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THE FOLLOWING FRAUDLNET ACCOUNTS XXXX XXXX OPENED IN XXXX, XXXX XXXX XXXX XXXX OPENED XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MUST BE REMOVED FROM MY CREDIT REPORT. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

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 2025-08-08 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: PA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THE FOLLOWING FRAUDLNET ACCOUNTS XXXX XXXX OPENED IN XXXX, XXXX XXXX XXXX XXXX OPENED XXXX MUST BE REMOVED FROM MY CREDIT REPORT. ALSO FOLLOWING FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MUST BE REMOVED FROM MY CREDIT REPORT. I AM THE ONLY PERSON WHO MADE THIS STATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe these accounts were created without my consent and are fraudulent. I request an investigation and their prompt removal. Relevant documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-08 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I recently obtained and reviewed a copy of my persons consumer credit report and noticed multiple accounts full of inaccurate information that has adversely affected the integrity of my persons consumer credit report. It is the duty and responsibility of the credit reporting agencies to make sure that they take the necessary steps to ensure that every consumer report is investigated properly and provided with the best accuracy possible which reaches far beyond the extent of internal rules, policies and procedures per 15 U.S.C. 1681s-2. Failure to reinvestigate this matter shall result in liabilities under 15 U.S.C. Subsection 1681s-2 ( b ) for failure to conduct a reasonable investigation The FAIR CREDIT REPORTING ACT exists to prevent harm to consumers. It requires data furnishers to report only accurate and verifiable information, mandated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable in the context of securitized or unrecognized debt. Furthermore, under 15 U.S.C. 1681i ( aX7 ), the consumer has the right to know how the information was verified, including what sources were used, who verified the claim, and what documentation was reviewed and received.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XX/XX/year> Received attached email stating my application for XXXXXXXX XXXX XXXX XXXX from BarclaysUS was being reviewed. I did not apply for this card. I was unable to tell whether this application was submitted by an unauthorized person or if the email itself was fraudulent. 

XXXX/725 Received attached request by XXXX Mail for personal information, stating this information was required to complete my application.

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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA. XXXX : AMERICAN EXPRESS AMERICAN EXPRESS XXXX. XXXX XXXX XXXX XXXX, TX. XXXX Subject : Cease and Desist Communication Account XXXX * * * * Dear AMERICAN EXPRESS or To Whom It May Concern ], This letter requests that you stop contacting the sender regarding the account mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), a consumer has the right to request that communications about a debt cease. Please immediately stop all further communication, except where permitted by law. This includes, but isn't limited to, phone calls, letters, and emails. 15 U.S.C. 1692c ( c ) requires debt collectors to stop contacting a consumer about a debt if the consumer provides written notification of their refusal to pay or their desire for communication to stop. Exceptions only exist to inform the consumer that collection efforts are ending or that legal action will be pursued. Any future contact regarding this debt after receiving this notice may be considered a violation of FDCPA rights. Legal action may be pursued to protect those rights, which may involve complaints with regulatory bodies like the Federal Trade Commission and the State Attorney General 's Office. Please update your records. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of XXXX fraudulent accounts currently being reported on my credit file XXXX from XXXXXXXX XXXX in the amount of {$5000.00} and another from XXXX Main Financial in the amount of {$3000.00}. These accounts are the direct result of identity theft, a crime that has followed and affected me since 2015. I have absolutely no knowledge of, nor did I authorize or initiate, either of these accounts. I have never held any financial relationship with either institution. Since discovering these entries on my credit report, I have diligently contacted both XXXXXXXX XXXX and XXXXXXXX XXXX XXXXl, submitting all the necessary documentation, including a copy of my government-issued ID, an official identity theft report from the FTC, and a police report yet both institutions continue to ignore the evidence and persist in aggressively pursuing me for repayment. This has not only damaged my credit but also taken a significant toll on my emotional and mental health. The ongoing stress, anxiety, and frustration caused by being wrongfully associated with debts I did not incur is overwhelming. I am doing my best to rebuild my financial security after years of struggling with the consequences of identity theft, and I am now turning to TransUnion to take swift and responsible action by removing these accounts from my credit report. I respectfully ask that you investigate this matter thoroughly and recognize that I am a victim, not a debtor. Your support in restoring the accuracy and integrity of my credit profile would be a critical step in my journey toward healing and justice.

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 2025-08-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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