vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Ive noticed that my credit report lists incorrect personal information, which seems to be tied to an account I dont recognize. Ive been a victim of identity theft, and my details were clearly used fraudulently this account doesnt belong to me. I followed all the steps, including filing a report with the FTC and the Police as TransUnion advised, and submitted the necessary documents. But despite this, the fraudulent item still hasnt been removed. This has gone on long enough, it has become increasingly frustrating, damaging not just my mental well-being but also my financial reputation as I am dealing with the consequences of someone else 's misuse of my information.

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 2025-04-09 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the **late payment history** being reported on my **XXXX XXXX XXXX** account ( Account # : XXXX ), as reflected on my credit reports with XXXX, Experian, and XXXX XXXX 

I want to be clear that this is a **legitimate account that I currently maintain in good standing**, and I am **not requesting removal** of the tradeline. However, I respectfully dispute the accuracy of the late payment reporting, which I believe may be in error or not reflective of my true payment behavior. 

I am requesting a correction to reflect : - **On-time payment history**, or - An update to **Paid as Agreed or Current** status Under the Fair Credit Reporting Act ( FCRA ), I am entitled to **accurate and complete reporting** : - 611 ( a ) : Right to dispute incomplete or inaccurate information - 607 ( b ) : Requirement to follow reasonable procedures for maximum possible accuracy Additionally, I request that you provide documentation confirming : - The **method and source used to verify the late payment ( s ) ** - The **dates and billing statements** used to validate the reported delinquencies - A copy of any reinvestigation results or correspondence with the data furnisher I take pride in maintaining responsible credit behavior, and I value my ongoing relationship with XXXX. If this is a matter of internal error or technical misreporting, I would appreciate the opportunity to have this corrected immediately. 

Thank you for your time and 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 explanation
Consumer complaint received 2025-04-09 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the **late payment history** being reported on my **XXXX XXXX XXXX** account ( Account # : XXXX ), as reflected on my credit reports with TransUnion, XXXX, and XXXX XXXX 

I want to be clear that this is a **legitimate account that I currently maintain in good standing**, and I am **not requesting removal** of the tradeline. However, I respectfully dispute the accuracy of the late payment reporting, which I believe may be in error or not reflective of my true payment behavior.

I am requesting a correction to reflect : - **On-time payment history**, or - An update to **Paid as Agreed or Current** status Under the Fair Credit Reporting Act ( FCRA ), I am entitled to **accurate and complete reporting** : - 611 ( a ) : Right to dispute incomplete or inaccurate information - 607 ( b ) : Requirement to follow reasonable procedures for maximum possible accuracy Additionally, I request that you provide documentation confirming : - The **method and source used to verify the late payment ( s ) ** - The **dates and billing statements** used to validate the reported delinquencies - A copy of any reinvestigation results or correspondence with the data furnisher I take pride in maintaining responsible credit behavior, and I value my ongoing relationship with XXXX. If this is a matter of internal error or technical misreporting, I would appreciate the opportunity to have this corrected immediately. 

Thank you for your time and 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 2025-04-09 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the **late payment history** being reported on my **XXXX XXXX XXXX** account ( Account # : XXXX ), as reflected on my credit reports with XXXX, XXXX, and Equifax . 

I want to be clear that this is a **legitimate account that I currently maintain in good standing**, and I am **not requesting removal** of the tradeline. However, I respectfully dispute the accuracy of the late payment reporting, which I believe may be in error or not reflective of my true payment behavior. 

I am requesting a correction to reflect : - **On-time payment history**, or - An update to **Paid as Agreed or Current** status Under the Fair Credit Reporting Act ( FCRA ), I am entitled to **accurate and complete reporting** : - 611 ( a ) : Right to dispute incomplete or inaccurate information - 607 ( b ) : Requirement to follow reasonable procedures for maximum possible accuracy Additionally, I request that you provide documentation confirming : - The **method and source used to verify the late payment ( s ) ** - The **dates and billing statements** used to validate the reported delinquencies - A copy of any reinvestigation results or correspondence with the data furnisher I take pride in maintaining responsible credit behavior, and I value my ongoing relationship with XXXX. If this is a matter of internal error or technical misreporting, I would appreciate the opportunity to have this corrected immediately. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with 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 2025-04-09 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: PA

Complaint narrative:
I am filing this complaint because XXXX XXXX  ( XXXX ) has reported the same debt multiple times under different names on my credit reports specifically listed as XXXX and XXXX. This is a clear case of duplicate reporting intended to artificially damage my credit score, which is misleading and deceptive. 

Both accounts are listed as charged off but continue to report a past due balance of {$580.00}, which is contradictory, misleading, and violates my rights under FCRA 623. If a debt is charged off, it can not simultaneously be reported as open and past due for months on end. 

Additionally, the monthly reporting continues to reflect a CO status for months after the account was closed, which constitutes inaccurate continuation and re-aging of derogatory information a violation of FCRA 623 ( a ) ( 1 ) ( A ) and 605 ( c ).

Both accounts are missing critical details such as the Original Creditor Name and Terms, which makes these tradelines unverifiable and incomplete, violating Metro 2 and CFPB data reporting requirements. 

This is not only irresponsible reporting, but it is also causing severe and ongoing damage to my creditworthiness. I have previously attempted to resolve this directly with the creditor and the credit bureaus, but no correction has been made. 

I am demanding the immediate deletion of account from all credit bureaus Experian, XXXX, due to violations of the Fair Credit Reporting Act and reporting guidelines.

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 2025-04-09 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: FL

Complaint narrative:
CFPB Identity Theft Dispute Statement I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( XXXX  ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX account for {$100.00} XXXX Bank XXXX account, {$4100.00} past due XXXX XXXX XXXX credit card XXXX {$1800.00} past due XXXX ( Acct ending in XXXX XXXX Charged-off credit card, {$630.00} past due XXXX ( Acct ending in XXXX ) Charged-off credit card, {$3100.00} past due XXXX XXXX XXXX {$240.00} written off Any additional inquiries or accounts tied to these tradelines These accounts were fraudulently opened or misreported and do not belong to me. I have not given anyone permission to open or use these accounts on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA XXXX ( XXXX U.S.C. XXXX ), I request that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA XXXX ( XXXX XXXX. XXXX ), I am formally requesting debt verification for all disputed accounts. Credit bureaus and furnishers must provide documented proof such as signed applications or agreements showing that I authorized these accounts. If such documentation can not be produced, the accounts must be permanently deleted from my credit file. 



Compensation for False Verification : As stated in FCRA XXXX ( XXXX XXXX. XXXX ), I am entitled to statutory damages of {$1000.00} per violation if any disputed account is falsely verified as accurate despite my identity theft claim. 



Supporting Documentation : I have included : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) & Police Report. 
A copy of my government-issued ID Requested Actions : XXXX. Immediate blocking and removal of all fraudulent accounts and inquiries XXXX. Debt verification for all disputed accounts XXXX. Written confirmation that the fraudulent items have been deleted XXXX. Proof that all furnishers were notified to cease reporting unverifiable data XXXX. An updated copy of my credit report showing these corrections I expect written confirmation that my dispute has been handled in accordance with the FCRA. Failure to comply will result in additional legal and regulatory actions.

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 2025-04-09 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: FL

Complaint narrative:
CFPB Identity Theft Dispute Statement I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( XXXX  ) and requesting that these items be investigated, verified, and removed immediately. 



Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX account for {$100.00} XXXX Bank XXXX account, {$4100.00} past due XXXX XXXX XXXX credit card XXXX {$1800.00} past due XXXX ( Acct ending in XXXX XXXX Charged-off credit card, {$630.00} past due XXXX ( Acct ending in XXXX ) Charged-off credit card, {$3100.00} past due XXXX XXXX XXXX {$240.00} written off Any additional inquiries or accounts tied to these tradelines These accounts were fraudulently opened or misreported and do not belong to me. I have not given anyone permission to open or use these accounts on my behalf. 



Formal Request for Investigation and Debt Verification : Under FCRA XXXX ( XXXX U.S.C. XXXX ), I request that the credit reporting agencies immediately block and delete these fraudulent items from my report. 

Under FCRA XXXX ( XXXX XXXX. XXXX ), I am formally requesting debt verification for all disputed accounts. Credit bureaus and furnishers must provide documented proof such as signed applications or agreements showing that I authorized these accounts. If such documentation can not be produced, the accounts must be permanently deleted from my credit file. 



Compensation for False Verification : As stated in FCRA XXXX ( XXXX XXXX. XXXX ), I am entitled to statutory damages of {$1000.00} per violation if any disputed account is falsely verified as accurate despite my identity theft claim. 



Supporting Documentation : I have included : A copy of my identity theft report ( police report or FTC Identity Theft Affidavit ) & Police Report. 
A copy of my government-issued ID Requested Actions : XXXX. Immediate blocking and removal of all fraudulent accounts and inquiries XXXX. Debt verification for all disputed accounts XXXX. Written confirmation that the fraudulent items have been deleted XXXX. Proof that all furnishers were notified to cease reporting unverifiable data XXXX. An updated copy of my credit report showing these corrections I expect written confirmation that my dispute has been handled in accordance with the FCRA. Failure to comply will result in additional legal and regulatory actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Control, LLC
State: KS

Complaint narrative:
Trying to collect a debt and it was a charge off on my account

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 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Holding Company, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I received an email from Avant notifying me of changes to my account terms, including a new {$8.00} monthly fee and an APR increase to 35.99 %. These changes were attributed to Credit Obligations or Expenditures Too High, Historical Utilization, Time Since Overlimit Activity, and Overall Performance/Profitability. 

I opened my account with Avant in XX/XX/XXXX and have made consistent payments since then, without exceeding my credit limit. The only exception was a payment in XX/XX/XXXX that Avants system processed late, despite my submission being on time. While I have no way to prove the delay was caused by their system, I believe I have acted responsibly in managing my account. 

On XX/XX/XXXX, I contacted Avant directly to request a reconsideration of the new fees and interest rate. They refused to offer any alternatives, flexibility, or acknowledgment that these changes feel excessive and unjustified. Despite my efforts to escalate the issue, I only received scripted responses and a firm refusal to reverse the changes. Additionally, I was told my only options were to accept the new terms or close the account. 
I am willing to pay the account in full but am requesting that Avant restore my original terms by removing the new {$8.00} monthly fee and preventing the APR increase from applying. Their unwillingness to offer reasonable options or consider my payment history is unacceptable and feels like an unjust financial burden with no clear cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by iXXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I am writing to formally dispute and request the removal of several accounts listed on my consumer credit report that I believe are in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. 

The following accounts have infringed upon my rights to privacy, confidentiality, and accurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations include, but are not limited to : 15 U.S.C. 1681 ( a ) ( 4 ) I have a right to privacy. These accounts were furnished without my express consent, which is a breach of my right to confidentiality.

15 U.S.C. 1681b ( a ) ( 2 ) No consumer reporting agency may furnish my report without my written instructions. I did not provide authorization for these accounts to be reported.

15 U.S.C. 1681c ( a ) ( 5 ) No consumer reporting agency may report adverse information that is over 7 years old, unless it is a criminal conviction. If any of the accounts fall under this category, they must be removed immediately.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Information furnished must be accurate. If the furnishers of these accounts knew or had reason to believe the information was inaccurate, this is a direct violation of the law. 

Truth in Lending Act ( TILA ) 15 U.S.C. 1666b This section protects consumers from being penalized with late fees unless payments are received after a reasonable due date and grace period. Any late payment reporting that violates this section must be removed. 

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 Charge-offs involving disclosure of nonpublic personal information without my consent violate my financial privacy rights under this provision and must be addressed immediately. 

Fair Debt Collection Practices Act ( FD

CPA ) 15 U.S.C. 1692c ( c ) Debt collectors must cease communication and collection activity upon written request. Continued reporting of collections after such notice is a violation and must be corrected. I request that the CFPB investigate these accounts for FCRA compliance and
facilitate their immediate removal from my consumer report. Please notify me in writing of the outcome of your investigation.

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