vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Reporting Account # XXXX Dear TransUnion, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
The account in question is being reported by XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX ). After reviewing my credit reports, I have identified multiple discrepancies that demonstrate the information being furnished is not accurate, complete, or consistent across the credit bureaus. 
Disputed Inaccuracies : 1. Account Status o TransUnion reports the account as Open / Collection-Charge-off. 
o XXXX reports the account as Charge Off. 
2. Last Activity Date o TransUnion lists the last activity as XX/XX/XXXX. 
o XXXX lists the last activity as XX/XX/XXXX. 
3. Collection Agency Information o TransUnion lists the furnisher as XXXX with phone ( XXXX ) XXXX. 
o XXXX lists the furnisher as XXXX XXXX XXXX XXXX with phone ( XXXX ) XXXX. 
These conflicting reports can not simultaneously be accurate, which means at least one bureau is reporting false or unverifiable information. Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any data that can not be verified as accurate.

Requested Action : Conduct a full reinvestigation of this account.

Verify the accuracy and consistency of all reported data.

Delete or correct the account if the furnisher can not provide proper documentation supporting accurate reporting across all bureaus.

Please provide me with the results of your investigation, including a description of the procedure used, within 30 days as required under 15 U.S.C. 1681i ( a ). 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I respectfully request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have attached the necessary documents to support my claim.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: FL

Complaint narrative:
I was contacted about a debt in early XXXX related to an XXXXXXXX XXXX XXXXXXXX contract that had been cancelled. The balance reported was also incorrect.

Despite cancellation, Omega RMS reported the debt as valid to XXXX, who marked it as verified. I disputed with XXXX  by submitting bank statements showing inconsistent billing amounts and that the full balance was not owed, along with written requests for phone records to confirm my cancellation. XXXX  still accepted Omegas verification, despite clear evidence to the contrary. 

I also disputed directly with Omega RMS multiple times, attaching bank statements and reiterating the cancellation. Omega never provided written debt validation as required under the FDCPA, but continued collection activity, sending multiple collection demand emails between XXXX and XX/XX/XXXX ( see attached logs ) and calling me repeatedly. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX for over 17 minutes before being hung up on when I raised FDCPA violations ( phone log attached ). This was one of at least three separate calls where I was hung up on after asserting my rights. 

On XX/XX/XXXX, I sent Omega a formal dispute and validation request by email with supporting statements. On XX/XX/XXXX, I followed with a written FDCPA violation letter citing ongoing collection activity without validation. On XX/XX/XXXX, I sent a final notice before escalation, copied to my attorney, warning that I would file with the CFPB and AG if not resolved. No adequate response has been provided. 

The contract in question was acknowledged by XXXX as cancelled in XX/XX/XXXX communications. If neither Omega RMS, XXXX, nor XXXX  can produce documentation proving otherwise, the cancellation should stand. 

As a result of this inaccurate reporting, my credit score which has not been below XXXX in years has dropped into the XXXX, directly impacting my ability to run my small business, which relies on credit to operate and support my family. 

This account remains on my credit file as if valid, despite all evidence and despite repeated disputes. The harm is ongoing, and the pattern of ignored disputes, continued collection activity, and refusal to validate demonstrates systemic compliance failures by Omega RMS, with parallels to Nelson v. Omega RMS , LLC ( Case No. 4:25-cv-00632 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while affecting my ability to secure credit, housing, and employment opportunities. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these unauthorized entries violates my rights under the Fair Credit Reporting Act and constitutes a serious breach of data accuracy standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
My student loan servicer XXXX placed my account into federally approved disaster forbearance from XXXX 2025. Despite this, they reported late payments for that same period to the credit bureaus. I was told at the time that the forbearance covered those months. This is inaccurate credit reporting, and I need the late marks removed. I have contacted the servicer multiple times, but the issue has not been resolved. Each time, I am either placed on long holds, transferred back into the queue, or even hung up on without resolution. When I do speak to a representative, they deflect or stall instead of addressing the error. Despite my persistence over several months, I have not been able to get a straight answer or confirmation that a correction will be submitted to the credit bureaus. It feels like the servicer is deliberately avoiding resolving the issue.

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 2025-09-04 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:
My student loan servicer XXXX placed my account into federally approved disaster forbearance from XXXX 2025. Despite this, they reported late payments for that same period to the credit bureaus. I was told at the time that the forbearance covered those months. This is inaccurate credit reporting, and I need the late marks removed. I have contacted the servicer multiple times, but the issue has not been resolved. Each time, I am either placed on long holds, transferred back into the queue, or even hung up on without resolution. When I do speak to a representative, they deflect or stall instead of addressing the error. Despite my persistence over several months, I have not been able to get a straight answer or confirmation that a correction will be submitted to the credit bureaus. It feels like the servicer is deliberately avoiding resolving the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be substantiated, that they be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
in XX/XX/year> an installment loan was opened in my name with out my knowlege using my personal information. for XXXX listed on my credit report. someone used my name without my consent

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My 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 2025-09-04 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MA

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is accurate and reliable. I request a review of these entries, and if they can not be verified as correct, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name XXXX XXXX XXXX XXXXXXXX -Date Opened XX/XX/XXXX -Balance {$3200.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -Balance {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My girlfriend and I visited a Chase bank to open a joint Chase private client checking account.

It was very explicitly stated that she would be added to the new Chase private cli
ent ( CPC ) account and not my personal total checking ( TC ) account. We discussed this, again, VERY explicitly to add to CPC and not TC, referencing both by name and by account numbers. Further, I read the documents and verified the account numbers were correct.

She was instead added to my personal TC account and NOT to the CPC account.

The branch refuses to correct this error without another in person visit by both of us. Further, they refuse to remove her access without a visit. Further, they can not provide the documents we signed at account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
I respectfully request the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Dear Midland Credit Management llc, I am writing in response to a [ call/letter/email ] received on XXXXregarding an alleged debt. Plea Under the FDCPA, I have the right to request the following information : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed explanation or documentation showing that I am legally obligated to pay this debt ; 4. A copy of any judgment ( if applicable ) ; 5. Proof that your agency is licensed to collect debts in my state.Please treat this letter as a formal request to cease all collection activities until the requested validation is p If you are unable to validate the debt, please notify all credit bureaus to which you may have reported it and This is not a refusal to pay, but a request for validation. Be advised that any further attempts to collect this d Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while affecting my ability to secure credit, housing, and employment opportunities. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these unauthorized entries violates my rights under the Fair Credit Reporting Act and constitutes a serious breach of data accuracy standards.

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 2025-09-04 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: CA

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety while affecting my ability to secure credit, housing, and employment opportunities. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these unauthorized entries violates my rights under the Fair Credit Reporting Act and constitutes a serious breach of data accuracy standards.

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
b'My cash app account blocked almost 40 days cash app support didnt help me. I tried calling every day but the same situation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments that have appeared on my credit record without proper justification. After reviewing my records, I discovered the presence of these late payment entries which I believe to be inaccurate or improperly reported. Despite having sent correspondence regarding this matter over 30 days ago requesting validation and documentation, I have not received any response from the creditor, and they have failed to provide me with satisfactory proof or verification of these alleged late payments. I kindly seek your assistance in resolving this matter promptly and effectively through proper investigation of these disputed items.

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