vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting a fraudulent account from XXXX XXXX  that is appearing on my credit reports. The account was opened on or around XX/XX/XXXX and was reported as charged off with a balance of {$1300.00} and a credit limit of {$1000.00}. I did not open or authorize this account. 

This account is marked as derogatory and is being reported as a charge-off on both my Experian and XXXX reports , with the most recent reporting date being XX/XX/XXXX. I discovered this account while reviewing my credit, and immediately filed an identity theft report with the FTC and a police report with the XXXX XXXX Police Department ( Case # XXXX ). 

I submitted formal disputes to both Experian and XXXX with all required documentation, including the FTC Identity Theft Report and police report. Despite this, the account has not been removed. 

This account is fraudulent, and it is negatively impacting my credit profile. Under Section XXXX of the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are legally required to block and remove fraudulent information once valid identity theft documentation is provided. I am requesting the CFPBs assistance in ensuring that this account is promptly and permanently removed from my credit files in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Wednesday, XX/XX/year>, a friend named XXXX XXXX told me he would pay me back {$120.00} that he owed me. I agreed to accept payment through Zelle and provided him with the email : XXXX linked to my Zelle account, which is registered with XXXX XXXX XXXX XXXX. 

I assumed everything was fine until I received an email on Friday, XX/XX/XXXX, notifying me that my Zelle access had been suspended due to a reported scam. I immediately contacted XXXX XXXX XXXX XXXX and was informed that XXXX 's {$120.00} transaction had been flagged as a scam, which triggered the suspension. 

This suspension is completely unwarranted. I believe XXXX XXXX have reported the transaction as a scam in bad faith possibly to reclaim the money he had rightfully repaid me. I had no involvement in any scam or misuse of the platform. 

I rely on Zelle for personal and legitimate transactions only. I request that my Zelle access be reinstated through my XXXX XXXX account. I also ask for a review of this situation, as the suspension appears to have been made without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-18 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: IL

Complaint narrative:
I am submitting this formal complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605B ( 15 U.S.C. 1681c-2 ). 

A fraudulent XXXX XXXX account in the amount of {$7200.00}, with an open date of XXXX XXXX 2025, has been wrongfully reported to my Equifax credit file. I have no affiliation, history, or relationship with XXXX XXXX, and this account was clearly opened as a result of identity theft. 

In accordance with federal law, I submitted the following to Equifax : A valid FTC Identity Theft Report ( Report XXXX XXXX   ) A copy of my government-issued photo identification Despite the submission of proper documentation, Equifax has failed to fulfill its legal obligation under FCRA 605B , which clearly mandates that a consumer reporting agency must block the reporting of fraudulent information within four ( 4 ) business days of receiving an identity theft report. 

XXXX XXXX has no legal basis to furnish or verify the accuracy of this fraudulent account, and Equifaxs continued reporting of this tradeline is a willful and negligent violation of federal law. The presence of this account is causing me severe and ongoing harm, including credit damage, emotional distress, and reputational injury. 

I am demanding the immediate deletion and permanent blocking of this fraudulent XXXX XXXX account from my credit file pursuant to FCRA 605B. Failure to comply will result in formal legal action being taken against Equifax, including a civil lawsuit for actual, statutory, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Incorrect Late Payment Remarks ( reporting in XXXX bureaus ) XXXX - Account Number : XXXX * * * * - Reported Past Due Amount : {$0.00}

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 2025-04-18 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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 2025-04-18 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: 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 non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I made a {$370.00} payment on my credit card, but Avant , LLC credited only {$310.00}, causing a {$66.00} shortfall. On XX/XX/XXXX, I emailed Avant, attaching a screenshot from their website showing only smaller payments ( e.g., {$44.00}, XX/XX/XXXX ), as they have not provided a pre-XXXX XXXXXXXX payment history to confirm my {$370.00} payment, and billing statements from XX/XX/XXXX, to XX/XX/XXXX. I requested a payment history prior to XX/XX/XXXX to verify the payment, an explanation of why only {$310.00} was credited ( including any fees or interest allocations ), and confirmation that the {$1800.00} charge-off balance ( sold to another entity on XX/XX/XXXX ) reflects my payment. Avant responded three times on XX/XX/XXXX ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), primarily directing me to call a customer service number Ive already found unhelpfullacking account knowledgeor misdirecting me to an irrelevant card application issue, without addressing my payment dispute or evidence. I refused further calls, insisting on written answers. These non-responsive replies followed an inadequate response to a prior CFPB complaint on XX/XX/XXXX, where Avant provided irrelevant documents ( e.g., a Cardmember Agreement ) and ignored the payment issue. Avants failure to credit my payment properly and provide the requested records prevents me from resolving this dispute. I want them to supply the payment history, explain the shortfall, and confirm the charge-off balance in writing by XX/XX/XXXX. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: RI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against one or more consumer reporting agencies for inaccurate reporting of a public record on my credit file, and for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, there is a bankruptcy case being reported on my credit report with a filing date of XX/XX/year> and a docket/reference number of XXXX. Upon my investigation : I contacted the U.S. Bankruptcy Court, XXXX District of Illinois, to request verification of this case. 
The Clerk of Court responded that they do not furnish or verify bankruptcy information with consumer reporting agencies, such as Experian, Equifax, or TransUnion. 
I conducted a search through the official XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) system and found that the docket number in question is linked to a person with a similar name but a different Social Security number, and the case details do not match mine. 
Despite disputing this record directly with the credit bureaus and presenting this evidence, the item remains on my credit file. This is a violation of my rights under : 15 U.S.C. 1681i the right to a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681e ( b ) the duty to maintain maximum possible accuracy. 
15 U.S.C. 1681g the right to know the source of information reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this formal complaint against one or more consumer reporting agencies for inaccurate reporting of a public record on my credit file, and for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, there is a bankruptcy case being reported on my credit report with a filing date of XX/XX/year> and a docket/reference number of XXXX. Upon my investigation : I contacted the U.S. Bankruptcy Court, XXXX District of Illinois, to request verification of this case. 
The Clerk of Court responded that they do not furnish or verify bankruptcy information with consumer reporting agencies, such as Experian, Equifax, or TransUnion. 
I conducted a search through the official XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) system and found that the docket number in question is linked to a person with a similar name but a different Social Security number, and the case details do not match mine. 
Despite disputing this record directly with the credit bureaus and presenting this evidence, the item remains on my credit file. This is a violation of my rights under : 15 U.S.C. 1681i the right to a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681e ( b ) the duty to maintain maximum possible accuracy. 
15 U.S.C. 1681g the right to know the source of information reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: AZ

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Incorrect Late Payment Remarks ( reporting in 3 bureaus ) XXXX - Account Number : XXXX * * * * - Reported Past Due Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 ) XXXX XXXX XXXX. 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 2025-04-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXXXXXX for myself XXXX XXXX last XXXX Social Security number is XXXX, XXXX XX/XX/year>. Please delete the following accounts. 






DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Request for Removal of Late Payment from Credit Report Under FCRA Dear To whom it may concern, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account #, XXXX, which currently reflects late payments for the months of XXXX on my credit report. 
While I take full responsibility for these late payments, I want to highlight the efforts I have made to maintain a positive credit history since then. My financial situation has improved, and I have consistently ensured that all payments are made on time. 
Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information to credit reporting agencies. While I understand that the late payments were accurately reported at the time, I am requesting a goodwill adjustment to remove them as a gesture of consideration for my recent responsible financial behavior. 
Additionally, the FCRA allows consumers to dispute information that XXXX be outdated or unfairly damaging to their credit report. Given my improved payment history and commitment to maintaining a positive relationship with XXXX XXXX XXXX XXXX kindly ask you to consider updating my account status and removing the late payment records. 
I greatly appreciate your time and consideration of my request. I am committed to maintaining a strong financial relationship with XXXX XXXX XXXX and I believe this goodwill adjustment would be beneficial for both parties. Please let me know if any further information is needed to facilitate this request. 
Thank you for your time and assistance. I look forward to your response. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required 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 explanation