vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am submitting this complaint against TrueAccord, which is reporting and/or attempting to collect an alleged debt on my credit file without proper verification. Their actions are in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations and Concerns : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 TrueAccord is reporting information to the credit bureaus that has not been fully verified for accuracy. 

The account remains despite disputes, violating the FCRAs requirement to ensure maximum possible accuracy of consumer information. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g TrueAccord has failed to provide competent validation of the alleged debt when requested. 

Continuing to collect or report without proof of liability constitutes a violation of the FDCPA. 

Consumer Rights Violation I have disputed this account with both the credit bureaus and TrueAccord. No proper validation has been provided, yet the account remains, causing harm to my credit profile and financial standing. 

Resolution Sought : I respectfully request the following actions : Permanent Deletion Immediate removal of this unverified and inaccurate tradeline from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ).

Cessation of Collection Activity TrueAccord must cease reporting or attempting to collect on this account unless proper legal validation is produced.

Written Confirmation Provide written confirmation that the account has been deleted and will not be reinserted unless full compliance with the FCRA and FDCPA is met.

Compliance Assurance Require TrueAccord to comply with all federal consumer protection laws moving forward to prevent recurrence of these violations. 

I trust the CFPB will investigate this matter and ensure that TrueAccord corrects these violations and deletes the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts listed on my credit report. I had no involvement with these accounts and did not authorize them. Their reporting is false, damaging, and misrepresents my financial responsibility. These entries create an unfair and harmful picture of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Incorrect information on credit report Collection account reported inaccurately.

This account has been reported as a collection without proper documentation. The reporting is inaccurate, incomplete, and unverifiable, especially given the age of the account.

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum accuracy ; reporting unverifiable or outdated accounts violates this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers can not knowingly report inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Once disputed, the furnisher must investigate and delete unverifiable accounts.

15 U.S.C. 1692j : Attempting collection without proof of ownership, signed agreement, and itemization is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-09-16 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: TX

Complaint narrative:
My account with EQUIFAX 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 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 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2025-09-16 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: UT

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-16 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: KEYCORP
State: MD

Complaint narrative:
A negative entry currently appearing on my credit report has created substantial hardships in my financial life, preventing me from accessing credit on reasonable terms and blocking important financial opportunities. This derogatory mark has directly contributed to loan rejections and has forced me to accept higher interest rates on existing accounts, resulting in increased monthly payments that strain my budget. The ongoing presence of this disputed item continues to generate both monetary losses and personal stress, as it misrepresents my creditworthiness and creates barriers to achieving essential financial goals. The cumulative effect of this inaccurate reporting has disrupted my financial planning and created uncertainty about my ability to secure future credit when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$860.00} Unauthorized Inquiries to Be Deleted : XXXX Date : 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 2025-09-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-16 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a dispute regarding accounts that have been fraudulently added to my credit report. I have never authorized or been associated with these accounts, and their inclusion is entirely inaccurate and damaging to my credit profile.

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 2025-09-16 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: IL

Complaint narrative:
I am writing to file a complaint regarding inaccurate and unfair credit reporting by several creditors related to my participation in a debt consolidation program. The accounts listed below were settled or successfully negotiated, yet they continue to be reported as delinquent or unpaid on my credit reports. This inaccurate reporting is damaging my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to provide accurate and complete information to credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX ) Settled and paid in full as of XX/XX/year>. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) Settled and paid in full as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Successfully negotiated ; XXXX of XXXX payments completed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Successfully negotiated ; XXXX XXXX XXXX payments completed. 
XXXX XXXX ( Acct # XXXX ) Successfully negotiated ; XXXX of XXXX payments completed. 
XXXX XXXX ( Acct # XXXX ) Successfully negotiated ; XXXX of XXXX payments completed. 
Despite my good faith efforts and payments, these accounts remain inaccurately reported as late or unpaid. I have attached copies of settlement confirmations and payment records. 
I request that the CFPB- XXXX. Investigate these accounts with the furnishers and credit reporting agencies. 
XXXX. Ensure that the accounts are updated to reflect Settled or Paid status or otherwise reported accurately. 
XXXX. Require the furnishers to correct any negative notations that are inconsistent with the settlements. 
Thank you for your prompt attention to this matter. Please keep me informed of any updates or responses you receive. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Successfully negotiated ; XXXX of XXXX payments completed. 
Despite my good faith efforts and payments, these accounts remain inaccurately reported as late or unpaid. I have attached copies of settlement confirmations and payment records. 
I request that the CFPB- XXXX. Investigate these accounts with the furnishers and credit reporting agencies. 
XXXX. Ensure that the accounts are updated to reflect Settled or Paid status or otherwise reported accurately. 
XXXX. Require the furnishers to correct any negative notations that are inconsistent with the settlements. 
Thank you for your prompt attention to this matter. Please keep me informed of any updates or responses you receive. 
SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I havent used my Venmo for any purchases in weeks yet, today I woke up to an email saying that my account was suspended and I had to request more money in order to reinstate my account. Also, all my money was taken out of my account and used as an account recovery payment. Im just confused because I literally didnt buy anything with my Venmo account, so why would I have these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a XXXX collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding a mortgage servicing error related to a loss mitigation application. 

I submitted a complete hardship loan mitigation packet to my previous mortgage servicer, XXXXXXXX XXXX, on XXXX. The servicer acknowledged receipt and acceptance of the application. I have copies of the full packet and confirmation of submission. 

After my loan was transferred to Planet Home Lending, they claimed they have no record of my complete application. Despite my documentation, they are requiring me to submit a new application. This is a violation of the Real Estate Settlement Procedures Act ( RESPA ), Regulation X, 12 C.F.R. 1024.38 ( b ) ( 4 ), which requires servicers to maintain policies ensuring that loss mitigation documents are transferred during servicing changes. It also violates 12 C.F.R. 1024.41 ( h ), which requires servicers to evaluate a borrowers complete application and prohibits them from disregarding it because of a servicing transfer. 

The servicers refusal to honor my complete application puts me at risk of foreclosure, late fees, and credit reporting damage, despite the fact that I complied with all requirements before the servicing transfer. HUD has escalated my case, but the servicer continues to insist I must reapply.

Company response to consumer: Closed with explanation