vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: TrueAccord Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter is being submitted strictly as documentation for litigation purposes. I am no longer requesting assistanceI am building a legal record of the willful violations committed by the parties listed below. I am a documented victim of identity theft, and despite providing full documentation to all involved, the matter remains unresolved and is now escalating toward civil court. 

In XXXX, my identity was stolen by XXXX XXXX XXXX while staying at my residence. He used my personal information to open a fraudulent {$200.00} XXXX loan tied to a XXXX transaction. That account is now circulating among third-party collectors and still showing up on my credit report. I have submitted the following : FTC Identity Theft Report XXXX XXXX XXXX XXXX Police Report XXXX  XXXX XXXX XXXX Sheriff Report XXXX XXXXXXXX ( XX/XX/XXXX ) Entities Involved and Violations Affirm Re-aged the fraudulent account post-charge-off Sold it to XXXX XXXX Refused to provide proper Proof of Validation ( XXXX  ) or Method of Verification ( XXXX  ) XXXX Originated the transaction but never responded or investigated Failed to provide acknowledgment of fraud TrueAccord Continued to pursue collection after being notified of identity theft Violated FDCPA by failing to cease collection activity XXXX XXXX Currently attempting to collect on the same account Not reporting to XXXX at this time ( included here for accuracy ) XXXX Still reporting this fraudulent account as open and current Falsely inflating my credit history with inaccurate data Enabling continued damage to my creditworthiness Purpose of This Letter This is not a negotiation or dispute. This is legal documentation for my case. I have : Multiple FTC identity theft reports XXXX police reports Prior complaints submitted to CFPB, XXXX, XXXX  XXXX, and XXXX XXXXXXXX Evidence of XXXX willful failure to delete known fraudulent data No party has produced valid documentation to support the legitimacy of this account because it does not exist. XXXX, XXXX, and their third-party collectors are fully aware that the debt is fraudulent, yet continue to abuse the system. XXXX has allowed this fraudulent account to remain on file, worsening the damage and prolonging the abuse. 

Legal Notice and Intent I am pursuing litigation and will be seeking : Deletion of the fraudulent XXXX account from my credit file Full cessation of all collection activity by TrueAccord and XXXX XXXX XXXX of all internal documents and account activity for legal discovery Maximum damages permitted under the FCRA, FDCPA, and all applicable federal and state laws I will see every party involved in court. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally rebut Beyond Finances most recent response to my CFPB complaint. 

Despite the companys assertion that my accounts have been successfully serviced, the actual outcomes including retracted offers, lump-sum fee withdrawals, and legal escalations directly contradict this claim. 

Specifically, my XXXX account was initially approved for a {$6200.00} settlement, which I accepted. However, that offer was later retracted, and due to the resulting delay in negotiations, the new resolution came in at {$9800.00} an increase of approximately {$3500.00}. This change was not due to any action on my part, but a direct consequence of Beyond Finances mismanagement. 

Although Beyond Finance states that fees are only withdrawn once the first creditor payment is made, the issue lies in how they withdrew them : without my input or understanding, they took lump-sum withdrawals totaling approximately {$5600.00} in just XXXX  months while delivering no meaningful debt relief. My overall debt has not been reduced in any way that matches the promises made during enrollment. 

Furthermore, Beyond Finance refuses to release the enrollment call, despite quoting selective portions of it to defend their actions. I have repeatedly requested access to this call, as it forms the legal basis of my enrollment and contains the verbal representations that influenced my decision to join the program. Withholding this call while referencing its content in their defense is manipulative and obstructive. 

The company also continues to ignore the fact that my XXXX XXXX account was escalated into legal status without prior warning or any communication from Beyond Finance a serious failure in service that created unnecessary financial risk for me. 

Additionally, the math regarding their fee structure simply does not hold up. I was told that the total 25 % program fee would be spread over four years equating to 6.25 % annually yet I was charged nearly triple that amount in less than half a year. This alone proves a discrepancy between what was promised and what was delivered. 

I respectfully request the following : A full refund of all fees associated with retracted or mismanaged settlements, especially the XXXX account. 
A full transcript or verbatim summary of my enrollment call, including exact language around fees, timelines, and savings projections. 
Written confirmation that no additional fees will be withdrawn until this matter is resolved. 

Beyond Finances response fails to address the core concerns of my complaint, instead relying on broad policy language while avoiding accountability for the specific actions that harmed me financially. If no resolution is provided, I will continue escalating this case with federal and state regulatory bodies and consumer advocacy organizations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-04 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have contacted Transunion numerous times in reference to identity theft and the fraudulent credit acceptance item reporting on my credit report. I would like to know how and when and what date that this item was verified. I did not verify this account so who did you verify it with

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the repeated and blatant inaccuracies in the reporting of late payments on my credit report by TransUnion. These errors stem from billing mistakes made by creditors, which have unfairly and inaccurately affected my credit score. Nature of the Complaint : I have numerous accounts on my credit report that reflect " Late Payment '' statuses due to billing errors beyond my control. Despite my consistent efforts to resolve these issues directly with the creditors, TransUnion have continued to report these false late payments, causing unjust harm to my creditworthiness. Timeline of Events : 1. Billing Errors : These late payments were caused by errors in billing from the creditors, which I attempted to resolve in good faith by contacting the creditors and disputing the charges. 2. Failure to Correct : Despite the billing errors being rectified directly with the creditor, the bureaus have continued to report incorrect late payment statuses, which do not reflect the true nature of the account history. 3. Inaccurate Reporting : These errors have persisted despite my efforts to dispute the inaccurate information directly with the bureaus, leaving me with false derogatory marks on my credit report that are causing significant financial harm. Specific Violations : Failure to remove late payments caused by billing errors despite the issue being resolved with the creditors. Continued misreporting of late payments that inaccurately reflect my payment history. Inability to correct billing discrepancies or properly handle disputes within the required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Damage to my credit score and financial opportunities due to faulty reporting practices that have not been rectified by the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the repeated and blatant inaccuracies in the reporting of late payments on my credit report by TransUnion. These errors stem from billing mistakes made by creditors, which have unfairly and inaccurately affected my credit score. Nature of the Complaint : I have numerous accounts on my credit report that reflect " Late Payment '' statuses due to billing errors beyond my control. Despite my consistent efforts to resolve these issues directly with the creditors, TransUnion have continued to report these false late payments, causing unjust harm to my creditworthiness. Timeline of Events : 1. Billing Errors : These late payments were caused by errors in billing from the creditors, which I attempted to resolve in good faith by contacting the creditors and disputing the charges. 2. Failure to Correct : Despite the billing errors being rectified directly with the creditor, the bureaus have continued to report incorrect late payment statuses, which do not reflect the true nature of the account history. 3. Inaccurate Reporting : These errors have persisted despite my efforts to dispute the inaccurate information directly with the bureaus, leaving me with false derogatory marks on my credit report that are causing significant financial harm. Specific Violations : Failure to remove late payments caused by billing errors despite the issue being resolved with the creditors. Continued misreporting of late payments that inaccurately reflect my payment history. Inability to correct billing discrepancies or properly handle disputes within the required 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Damage to my credit score and financial opportunities due to faulty reporting practices that have not been rectified by the bureaus.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have sent dispute requests to Equifax regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Despite these letters being sent to these three bureaus, there has been no resolution or corrections.

Furthermore, there is no dispute verbiage on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have sent dispute requests to Equifax regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. I have sent disputes to Experian regarding the following account numbers : XXXX, XXXX, XXXX and XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX, XXXX and XXXX. The date of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Despite these letters being sent to these three bureaus, there has been no resolution or corrections.

Furthermore, there is no dispute verbiage on these accounts.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-03 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: U.S. BANCORP
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UPGRADE, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding an issue with my Upgrade credit card account. Despite maintaining a consistent record of on-time payments and never missing a payment, Upgrade reduced my credit limit without providing any prior notice or explanation. 

This unilateral decrease has negatively impacted my credit score, which is extremely frustrating given my responsible account management. I believe this action is unfair and lacks transparency, especially since I was not given the opportunity to address or appeal the decision beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NH

Complaint narrative:
Me and my wife called and talked to a representative and had {$300.00} transferred from my account to hers. I tried using my debit card the next day for about a XXXX dollar purchase, and it declined. I received a text saying it declined, and another text said my balance is {$950.00}. I called to figure out the issue. The rep said there is a restriction on my account and said I would have to verify my identity by clicking on the link they texted me, so I tried my ID, which is a XXXX XXXX XXXX XXXX Their system claims my ID is invalid. I was then told that there was nothing else they could do and to call back when I can process the request.i escalated to a supervisor same answer asked for a manager he said no one else can take my call. And i will have to get a passport to try to verify that way. I've tried at least 30 times with no avail, and I should not have to get a passport. My ID is completely valid. They won't tell me what the restriction is, won't close my account, and he said I can not do anything or access my money until my identity is verified. I believe this is fraud, and also, my username name was also altered to something different. I am also locked out of my account because of this restriction. The account number provided in the next section is my debit card number, I cant not access my account to provide you with the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My phone with XXXX XXXX and my wallet was lost in XXXX in XX/XX/year>. Many fraudulent charges were made to my account and I did not make those charges. I dispute those charges because I never made them. Credit card is denying my dispute that is valid and I am a 100 percent sure I did not make those fraudulent charges. They said I was not responsible for any fraudulent charges and they are not being accountable for our agreement All charges were made on XXXX with merchants I dont even know in XXXX for a XXXX of XXXX As you can see in the photos my phone was lost and I reported with XXXX XXXX  as was my wallet with the cards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: AL

Complaint narrative:
I dispute this account. I request full validation, including payment history and charge-off details. If not verified under the Fair Credit Reporting Act, please delete it for inaccurate reporting. I see that this account has a written off status and a past due balance on this report, this is a violation. I urge your agency to re investigate this account and ensure that the correct, fair, and complete reporting is given. I also do not believe the status of the account is correct either. Delete this due to multiple violations. 

After you have completed my request please provide me a copy of my credit report reflecting the changes made.

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 2025-05-03 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: AL

Complaint narrative:
I dispute this account. I request full validation, including payment history and charge-off details. If not verified under the Fair Credit Reporting Act, please delete it for inaccurate reporting. I see that this account has a written off status and a past due balance on this report, this is a violation. I urge your agency to re investigate this account and ensure that the correct, fair, and complete reporting is given. I also do not believe the status of the account is correct either. Delete this due to multiple violations. 

After you have completed my request please provide me a copy of my credit report reflecting the changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: AL

Complaint narrative:
I dispute this account. I request full validation, including payment history and charge-off details. If not verified under the Fair Credit Reporting Act, please delete it for inaccurate reporting. I see that this account has a written off status and a past due balance on this report, this is a violation. I urge your agency to re investigate this account and ensure that the correct, fair, and complete reporting is given. I also do not believe the status of the account is correct either. Delete this due to multiple violations. 

After you have completed my request please provide me a copy of my credit report reflecting the changes made.

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 2025-05-03 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 am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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