vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of I XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit 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 2025-10-27 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: OH

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 2025-10-27 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXXm seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> To : Dear Cfpb, This letter is in response to your recent communication and/or complaint reference with the Consumer Financial Protection Bureau ( CFPB ). I am writing to formally deny validation of the alleged debt that you have claimed I owe. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I requested that you provide proper validation of the debt, including but not limited to : The original signed agreement or contract establishing the alleged debt, The full accounting and payment history, The name and address of the original creditor, and Documentation proving your legal authority to collect on this account. 

To date, you have failed to provide the legally required documentation to validate this debt. Therefore, I do not acknowledge any liability or obligation for the alleged amount. Any continued attempts to collect without proper validation will be considered a violation of my consumer rights under the FDCPA and may be reported to the CFPB and other appropriate regulatory bodies. 

Please cease all collection efforts and remove any negative credit reporting related to this unvalidated debt until you have fully complied with federal law. 

Sincerely, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-27 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OZK
State: TX

Complaint narrative:
I opened my account on XX/XX/XXXX online. 
Made cash deposit on XX/XX/XXXX at branch. 
Some how they fumbled this because the cash deposit didn't post till end of day XX/XX/XXXX. 
Wire transfered from my XXXX XXXX on XX/XX/XXXX. 
My card got declined at XXXX on XX/XX/XXXX, called customer care and was advised to go to branch for more info. 
Local branch provided XXXX info and customer service was horrible : responses like I don't know, come back in a couple days.I ended up withdrawing available cash from account I called customer care over XXXX and visit multiple branches, XXXX contact from anyone I initated all contact. 
came back to original branch on XX/XX/XXXX and XX/XX/XXXX, was advised that a manager would call me ( that was a lie ) called customer care on XX/XX/XXXX was finally advised that fraud department was reviewing my account, got a phone number and called the department. 

Was told that line was an internal line and that could not provide customer info, advised that i got the phone number from a new employee that shouldnt gave out number. 

Call customer care again and finally out of luck someone competent helped, advised that my online account will be enabled by end of day and funds will be available by end of day. 

Still 7 days after my account was frozen no one from this so called banked has contacted me by phone/email or mail to provide any information on what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

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 2025-10-27 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/XXXX, current close my bank account with them but don't give me a reason which also happens to be before the cut off. Date of my direct deposit from the department of veterans affairso I can not change my account because for my direct deposit because. I did not have the account information to give the XXXX. A also current will not give me any account information. That way I can contact XXXX  A to change therefore. On XX/XX/XXXX, thXXXX XXXX my direct deposit of XXXX went into that account. The VA did a trace. And according to the trace, the money went into the account on XX/XX/XXXX, they're telling me that the account was closed and that the money didn't go into it.Then where did the money go? Because XXXX sent it back, current has not sent the money back.They 're getting away with still my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Oquirrh Mountain Law Group, P.C.
State: MS

Complaint narrative:
Cfpb filed a complant on my behalf. XXXX XXXX responded to me with XXXX $ added back to my account. I fill that isn't enough. I have had their service for about XXXX years i think. Just fill like that XXXX $ is to shut me up. Would like to recover more of my money back. They are not doing everything they said to help restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX XXXX ) for reporting inaccurate and unverified information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Reported High Balance : {$11000.00} Status : Charge Off This account is being reported as a charge-off, yet the furnisher has failed to provide any verifiable documentation or signed agreement proving the validity or ownership of this debt. Additionally, I have never received any notice of charge-off or verification directly from the creditor. 

XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account No. XXXX Date Opened : XX/XX/XXXX Reported High Credit : {$0.00} Status : Charge Off Reporting a charge-off with a {$0.00} balance is contradictory and misleading. This account appears to be inaccurately furnished, and the creditor has not validated the information upon my prior disputes with the credit reporting agencies. 

Both of these accounts are negatively affecting my creditworthiness and do not comply with FCRA 602 ( A ) and 623 ( a ) ( 1 ) ( A ), which require furnishers to report only accurate and verifiable information. These entries appear unverifiable, inconsistent, and misleading. 

I am requesting that the CFPB conduct a full investigation into the reporting practices of these entities and ensure immediate deletion or correction of any inaccurate data being furnished to the credit reporting agencies. 

I have attached copies of my identification and relevant credit report excerpts for verification. 

Thank you for your prompt attention to this matter. I expect a thorough investigation and confirmation of corrective action taken by the furnishers 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 2025-10-27 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I own a small XXXX company ( XXXX XXXX ). In XX/XX/year> I was sold a marketing/lead service by XXXX / XXXX XXXX XXXX XXXX Their salesperson told me I would receive live transfer calls. I was told I would only be billed for true live transfers, meaning their rep would already be on the phone with a qualified homeowner who needed XXXX service, would stay on the line, and would introduce us in real time. That is the service I agreed to purchase.

After I gave them my payment information, that is NOT what they delivered. Instead of live transfers, they started sending generic inbound/forwarded calls. Their own paperwork treats Inbound Calls and Live Transfers as two different products with different terms, pricing, and return rules. I did not agree to purchase generic inbound calls at that rate. 

They then charged my XXXX XXXX card {$460.00} for those inbound calls. I disputed the {$460.00} with XXXX as misrepresentation / bait-and-switch because I was sold one product and billed for a different product. I never agreed to pay for what they actually delivered.

After I disputed the charge, they sent an outstanding balance to a collection agency called TrueAccord. Since then, TrueAccord has been sending repeated text messages to my personal cell phone from rotating / proxy numbers demanding that I pay this alleged {$460.00} balance. 

This is a problem for several reasons : This is a disputed amount. I do not believe I owe it because the service delivered was not what was sold to me. 
The company is treating this like a valid personal debt and escalating to collections instead of resolving the dispute. 
TrueAccord is contacting my personal cell by repeated SMS messages from different numbers to pressure me.

On [ todays date ], I sent written notice to TrueAccord and to XXXX  stating : I fully dispute the {$460.00} balance. 

I want full validation : the contract they are relying on, itemized invoices/charges, call logs and recordings of what they claim they delivered, and the sales call recording where live transfer was pitched. 

They must stop contacting my personal cell and communicate in writing only ( email or physical mail ). 

They must confirm they will not attempt to report this disputed amount to any consumer credit bureau in my name. 

As of this filing, I have not been provided the validation I requested, and I am still being contacted over a balance I do not owe. 
What I am asking for : Close this alleged {$460.00} balance at {$0.00}.

Instruct TrueAccord to stop contacting my personal cell phone and recall/suspend collection. 
Provide written confirmation that this disputed amount will not be reported against me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

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 2025-10-27 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation