vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
I am submitting this formal complaint against TrueAccord, a third-party debt collection company that is illegally attempting to collect debt in the XXXX of Virginia without a valid debt collection license. TrueAccord has reported a negative tradeline on my credit report for a debt I do not recognize, and I have never entered into any agreement or contract with this company. 

To date, TrueAccord has failed to provide any proof of ownership or legal right to collect this debt, yet they continue to damage my credit by reporting inaccurate, unverifiable, and misleading information to credit bureaus. This is unlawful conduct, and it must be addressed immediately. 

Violations of Federal and State Law Committed by TrueAccord : Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX and XXXX Making false, deceptive, or misleading representations about the validity and legal status of a debt. 

Failing to provide written validation and verification of the debt from the original creditor. 

XXXX collection efforts without first proving ownership or legal assignment of the debt. 

Fair Credit Reporting Act ( XXXX  ) XXXX U.S.C. XXXX ( a ) Reporting inaccurate or unverifiable information to credit reporting agencies. 

Failing to properly investigate or update the account when a dispute is raised. 

Causing ongoing credit damage through false representation of a charge-off or balance. 

Virginia Code XXXX XXXX XXXX. XXXX of Virginia XXXX XXXX TrueAccord is not licensed to collect debts in the state of Virginia, which makes all collection activity conducted within the state illegal and void. 

Operating without a license constitutes a clear violation of the Virginia Consumer Protection Act. 

Deceptive and Unfair XXXX Practices Engaging in collection without proof of assignment or ownership constitutes deceptive business conduct and is actionable under both federal and state 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 2025-04-29 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-29 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
When I checked my credit report today, I was surprised to see accounts that dont belong to me, and Im unclear about their origin. I performed my usual check and noticed some inconsistencies that hadnt appeared before. I attempted to reload the page, assuming it might be a browser issue, but the inaccuracies remained. Because of this, Im requesting a careful examination of the documents Ive provided to ensure this issue is permanently resolved.

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 2025-04-29 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:
Earlier today, I came across several inaccurate entries on my credit report, and I have no explanation for how they appeared. I ran my usual review, but this time there were anomalies I hadnt seen before. I refreshed my browser in case it was a display error, but that didnt resolve anything. Due to this, Im asking for a thorough review of the documentation Ive sent so I can stop worrying about 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 2025-04-29 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX CRED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FIN XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SERVICE FIN XX/XX/XXXX XXXX  CRED XX/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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: DC

Complaint narrative:
When I got both my deposits for XXXX which adds up to XXXX I owed chime XXXX for my pay for the month of XXXX when I transferred my money to my credit account it showed they took the XXXX and never credited it to my pay the guy was rude hung up on me now their trying to make me pay twice for my pay and Im not doing that because the money was already taken I have noticed when I get my tax refund they take major fees out dont acknowledge to tell anyone and its not right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts listed on my Experian credit report : XXXX XXXX XXXX ( {$530.00}, Acct : XXXX ), XXXXXXXX XXXX XXXXXXXX ( {$410.00}, XXXX : XXXX ), XXXX XXXX XXXX ( {$1300.00}, XXXX : XXXX ), and XXXX XXXX XXXX ( {$1900.00}, Acct : XXXX ). These accounts have been charged off by the original creditors, and I have not received a 1099-C form from the IRS, which is typically issued when a debt is canceled. Given that these debts appear to be resolved without proper cancellation documentation, I respectfully request that they be removed from my credit report as they are unfairly impacting my credit standing. Thank you for your prompt attention to this matter. 

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 2025-04-29 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: MS

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a check from my uncle on XX/XX/year>, using the mobile deposit feature with Regions Bank. The purpose of this check was to help me pay off my student loan with my university. Although the funds were initially released into my account, Regions Bank soon restricted access to the account, claiming they needed to verify details with my uncle.

Even after I submitted all documentation requested by the bank including a letter on official letterhead the account has remained restricted for over two weeks. Throughout this time, the branch manager repeatedly gave me inconsistent information and the runaround, failing to provide clear guidance or resolution despite multiple follow-ups. 

As a direct result of Regions Banks delays and mishandling, I was unable to make my student loan payment on time. This has caused additional interest charges, late fees, and increased the overall balance I owe. Beyond the financial impact, I have also suffered emotional distress and reputational harm, as I was unable to meet a critical financial obligation due to Regions Banks poor handling of the situation and lack of communication. 

Regions Banks actions have caused me significant financial and personal harm, and I am seeking appropriate remedies through this complaint. 


Desired Outcome : I am requesting that Regions Bank immediately release all funds being wrongfully withheld from my account, reimburse all late fees and additional interest charges that have accrued due to their actions, and compensate me for the financial and emotional damages caused by their mishandling of my account. I also request that appropriate disciplinary action be taken to address the branchs repeated mishandling of this matter to prevent future harm to other customers.

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 2025-04-29 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
* * Complaint Against : Wells Fargo * * * * Issue Type : Credit card dispute handling / failure to uphold verbal agreement * * * * Summary of Issue : * * I opened a dispute with Wells Fargo regarding a {$3900.00} charge from Closets by Design ( XXXX ) for defective and incomplete services. During a recorded conference call on XX/XX/year> which included myself, a Wells Fargo representative ( XXXX XXXX, and a Closets by Design representative ( XXXX ) XXXX verbally agreed that they would make XXXX final installation attempt, and that if I was unsatisfied with the result, a * * full refund * * would be issued. I made it clear on the call that I was not agreeing to any further visits outside of the final repair. 

Since that call, XXXX has attempted to introduce a new requirement : a separate in-home " assessment '' visit prior to scheduling the service. This was never discussed or agreed to in the call, and it contradicts what Wells Fargo and XXXX jointly told me at the time. Despite repeated follow-ups, I have received no support from Wells Fargo , who has closed the dispute, without communication to me, and in favor of the merchant, relying on post-call terms that were not originally part of the resolution. 

I requested that Wells Fargo review the XX/XX/XXXX call to confirm what was agreed to. I have received no confirmation that they did so, nor have they responded with any explanation or assistance. 

My concerns : - Wells Fargo is allowing the merchant to alter the terms of our agreement after the dispute conversation, and refusing to revisit the decision. 
- Wells Fargo has failed to communicate or support me despite clear documentation and a recorded call that supports my position. 
- I am being forced into additional visits and delays, which directly contradict the resolution I agreed to and add unnecessary hardship. 

Requested resolution : - Wells Fargo should review the XX/XX/XXXX call recording and confirm the original agreement that has not additional assessment visit and a full refund if I am unsatisfied. 
- They should reopen or reverse the dispute decision based on the merchants failure to honor those terms. 
- I am asking for the refund of {$3900.00} as originally agreed upon if I remain unsatisfied with the final installation attempt not an assessment that was never agreed to.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-04-29 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax and 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 a personal credit card account. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I submitted a dispute regarding the inaccurate reporting of my XXXX XXXX XXXX account ( Partial Account No. XXXX ) with XXXX XXXX and TransUnion. 

The disputed issues included late payment inaccuracies, missing Compliance Condition Code ( CCC ), inconsistent Special Comments, incorrect Date of First Delinquency ( DOFD ), and other reporting errors. 

Despite providing evidence of these discrepancies, the credit bureaus failed to perform a reasonable and thorough reinvestigation, contrary to their obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 

The errors remain on my credit file and continue to adversely affect my creditworthiness.

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