vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I had an internet service plan with XXXX for XXXX XXXXXXXX. I upgraded to a faster plan for $ XXXX, but the speed did not improve. I requested to return to my original plan, but XXXX told me the old plan was no longer available and that it would now cost more than before. 

XXXX also sent a technician to my home after I reported the issue. I was told this visit would be free, but later I was charged {$100.00} for it. These charges contributed to a total balance of {$460.00}, which I was not expecting and did not agree with. 

This debt was sent to TrueAccord for collection. I contacted TrueAccord and offered to settle the debt for 50 % of the balance in exchange for a pay-for-delete agreement ( removing the account from my credit reports upon payment ). I made this request multiple times, but the company never gave a clear answer. Instead, they sent vague, automated responses and ignored my settlement terms. 

I am willing to resolve this debt fairly but want a clear, written agreement confirming the settlement terms and removal of the account from my credit report. I have not received cooperation from the collection agency, and the situation remains unresolved.

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 2025-05-14 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: NY

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 XXXXXXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-14 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was scammed by a supposed chime employee to send money to a secured bank account due to my account being compromised. I even got a text message, multiple phone calls, the scammer I spoke to had all my information and access to my account. I lost XXXX XXXX  due to this scam and chime refuses to refund my money. I did not authorize these transactions, even tho it looks like I did. Someone had access to my account but chime won't believe me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I owed XXXX to XXXX. Credence resources mgt collections took over the account. In XX/XX/year>, I made a settlement agreement with Credence to reduce the amount owed to {$550.00} with payments of XXXX. I made all my payments each month on time I paid {$270.00}. 
When i went to make a payment for XXXX they informed me that the account was being turned back over to XXXX. This was not the agreed settlement. So in other words we're going to get as much money from you then turn it back to the creditor. So why make a settlement agreement?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Sent a dispute to Equifax concerning a medical debt showing on my report as a collection. XXXX XXXX XXXX XXXX now show for the amount of XXXX opened XX/XX/XXXX. Original credit was showing as XXXX Bank from XX/XX/XXXX for XXXX. The medical charges were for dentures. The date as well as the amount and creditor has also been altered on the credit report. Sent to Equifax on XX/XX/XXXX as a dispute. Explained with detailed letter as well as original paperwork from dentist that showed as medical debt. In the letter, I explained the case law as violation of CFPB XXXX XXXX, XXXX XXXX XXXX. They closed the inquiry on XX/XX/XXXX with no changes other than stating they called the collection group which is not the original creditor group and no changes were made. I have been denied credit because of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Balance {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$5600.00}

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 2025-05-14 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX * Balance {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company : Equifax Issue : Unable to access my credit report I used to be able to access my credit report from Equifax without any issues. However, recently I have been unable to retrieve or view my credit file through Equifax 's website or through annualcreditreport.com. The system either says no report is available or asks me to call without further explanation. 

My personal information has not changed including my name, address, and identification details. I have not frozen my credit or made any security-related changes that would affect my access. 

I attempted to contact Equifax for assistance but have not received a resolution. I am concerned that my credit file may have been misplaced or disconnected from my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
Subject : Request for Recalculation of Credit Score Due to Removed Collection Account To TransUnion LLC I am writing to formally request a review and correction of my credit file following the removal of a collection account that negatively impacted my credit score. While I appreciate that the account XXXX XXXX XXXX XXXX For The original cerditor - XXXX XXXX XXXX  has been successfully deleted, I have not seen a corresponding restoration of the credit points lost due to its presence. 

As a consumer, I have the right to accurate and complete credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information reported. When incorrect or unverifiable information is removed, the consumers credit reportand by extension, credit scoreshould reflect that change in a timely and fair manner.

The continued impact on my credit score despite the removal of the collection is not only unfair but could potentially cause financial harm by affecting my ability to secure favorable terms on credit, loans, or housing. I am requesting that TransUnion : 1. Recalculate my credit score to reflect the removal of the collection account.

2. Provide a detailed explanation of how my score was affected by the deletion.

3. Supply a copy of my updated credit report showing the adjusted score. 

Please consider this letter a formal dispute and request under the FCRA. I am requesting a resolution within the 30-day period mandated by the FCRA for disputes.

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 2025-05-14 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00}

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 2025-05-14 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my Equifax credit report and found multiple accounts inaccurately reported as Charge-Off and/or In Collections without proper verification or supporting legal documentation. These entries are conflicting, misleading, and violate the Fair Credit Reporting Act ( FCRA ) and federal tax law. 

The disputed charge-off accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reported as derogatory, charged off, and in collections, yet no IRS Form 1099-C has been issued for any of them, despite balances exceeding {$600.00}. Additionally, several accounts contain vague notations like dispute resolved, without supporting legal documentation or validation.

This reporting violates : 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy in consumer reporting, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Mandates deletion of unverifiable data within 30 days, 15 U.S.C. 1681s-2 ( b ) Prohibits furnishers from continuing to report inaccurate data once disputed, 26 U.S.C. 6050P Requires issuance of IRS Form 1099-C for canceled/charged-off debt over {$600.00}. 

I submitted a formal written dispute and legal demand to Equifax on XX/XX/2025, and requested deletion or full legal validation including 1099-C copies, signed contracts, and full account records. No valid verification has been provided to date, and the inaccurate reporting remains on my credit file, causing ongoing financial harm. 

I am requesting CFPB intervention to enforce compliance with federal consumer protection and tax law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Starmark Financial LLC
State: TX

Complaint narrative:
XXXX XXXX with Starmark Financial has called my direct work phone number which was not provided for contact several times and sometimes back to back. On XX/XX/2025, he called a customer service line for customers at my job and asked to speak with me and told them it was an urgent personal matter. They should not be calling my job or harassing me through my place of employment. This is a violation of FDCPA

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 2025-05-14 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$24000.00} XXXX XXXX BALANCED {$2300.00} XXXX XXXX XXXX XXXX BALANCED {$470.00} XXXX XXXX BALANCED {$1200.00XXXX XXXX XXXX XXXXXXXX BALANCED {$310.00} XXXX XXXX XXXX BALANCED {$880.00} XXXX XXXX XXXX BALANCED {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
DEBT VALIDATION LETTER This letter is being sent to you in response to a listing on my Credit Report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely,

Company response to consumer: Closed with non-monetary relief