vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Subject : Final Notice Before Legal Action Account : XXXX Account number : XXXX Dear Credit Bureau This is my XXXX  and final demand for the immediate removal or correction of the inaccurate information associated with the account referenced above. I previously submitted XXXX letters disputing this entry, dated XXXX of 2025 & XXXX of 2025, with no satisfactory resolution. I have also followed all necessary steps, including notifying you of my rights under so the Fair Credit Reporting Act ( XX/XX/XXXX). 
Your failure to properly investigate or remove the inaccurate entry is unacceptable and illegal. As noted, the Consumer Financial Protection Bureau ( XXXX  ) has filed a lawsuit against Experian for their failure to uphold fair practices. Your continued negligence in handling my dispute suggests a blatant disregard for both federal law and consumer rights. 
If this matter is not resolved within the next XXXX  days, I will file a formal complaint with the CFPB, escalate this matter to the state attorney generals office, and pursue all available legal remedies. I will also seek damages for any harm caused by your illegal actions, including legal fees. 
I expect your immediate attention to this matter and demand written confirmation of the resolution of this dispute. Failure to act will leave me with no choice but to pursue legal recourse. 
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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Identity Theft, Personal Information Errors, and Inaction by Credit Bureaus Complaint Summary : I am submitting this complaint to report a serious and ongoing issue involving inaccurate and outdated personal information on my credit reports, failure to correct disputed items, and signs of potential identity theft. Despite multiple requests submitted to TransUnion, Experian, Equifax, and XXXX, the credit bureaus have failed to correct or remove erroneous personal data and to adequately respond to identity theft concerns. 

Details of the Issue : Outdated and Incorrect Personal Information : Credit bureaus continue to report multiple outdated addresses, incorrect variations of my legal name, and employer information that is either incorrect or no longer applicable. 

I have no access to many of the listed addresses and have formally requested their deletion due to suspected identity theft and fraud. 

Inconsistent Reporting Across Bureaus : Discrepancies were found in : Account numbers reported differently by each bureau. 

Payment statuses that conflict between reports. 

Differing employer histories and residential addresses. 

These inconsistencies suggest potential fraudulent activity or negligent handling of my data. 

Failure to Properly Investigate and Respond : I submitted formal disputes and identity theft documentation ( including an FTC Identity Theft Report and police report ) requesting removal of fraudulent data. 

The credit bureaus failed to : Block the disputed accounts per FCRA Section 605B.

Provide the method of verification for the disputed entries.

Update or remove inaccurate personal information.

Impact of Previous Data Breaches : I was affected by major data breaches, including : Equifax ( XXXX ) XXXX ( XXXX ) Experian ( XXXX ) These breaches likely contributed to the misuse of my personal data and the creation of fraudulent accounts in my name. 

Legal Violations Cited : FCRA 1681i ( a ) ( XXXX ) : Failure to provide method of verification. 

FCRA 1681c-2 : Failure to block fraudulent information.

FCRA 1681b ( g ) : Inadequate data protection.

FCRA 1681s-2 : Inaccurate reporting by furnishers.

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 2025-07-06 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:
Subject : Identity Theft, Personal Information Errors, and Inaction by Credit Bureaus Complaint Summary : I am submitting this complaint to report a serious and ongoing issue involving inaccurate and outdated personal information on my credit reports, failure to correct disputed items, and signs of potential identity theft. Despite multiple requests submitted to TransUnion, Experian, Equifax, and XXXX, the credit bureaus have failed to correct or remove erroneous personal data and to adequately respond to identity theft concerns. 

Details of the Issue : Outdated and Incorrect Personal Information : Credit bureaus continue to report multiple outdated addresses, incorrect variations of my legal name, and employer information that is either incorrect or no longer applicable. 

I have no access to many of the listed addresses and have formally requested their deletion due to suspected identity theft and fraud. 

Inconsistent Reporting Across Bureaus : Discrepancies were found in : Account numbers reported differently by each bureau. 

Payment statuses that conflict between reports. 

Differing employer histories and residential addresses. 

These inconsistencies suggest potential fraudulent activity or negligent handling of my data. 

Failure to Properly Investigate and Respond : I submitted formal disputes and identity theft documentation ( including an FTC Identity Theft Report and police report ) requesting removal of fraudulent data. 

The credit bureaus failed to : Block the disputed accounts per FCRA Section 605B.

Provide the method of verification for the disputed entries.

Update or remove inaccurate personal information.

Impact of Previous Data Breaches : I was affected by major data breaches, including : Equifax ( XXXX ) XXXX ( XXXX ) Experian ( XXXX ) These breaches likely contributed to the misuse of my personal data and the creation of fraudulent accounts in my name. 

Legal Violations Cited : FCRA 1681i ( a ) ( XXXX ) : Failure to provide method of verification. 

FCRA 1681c-2 : Failure to block fraudulent information.

FCRA 1681b ( g ) : Inadequate data protection.

FCRA 1681s-2 : Inaccurate reporting by furnishers.

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 2025-07-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All hard inquires, I am disputing a hard inquiry that appeared on my credit report from he credit bureau ( Experian, Equifax, or TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-06 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: MS

Complaint narrative:
According to the 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back verified without a proper investigation. The company failed to send me any information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
I am disputing student loans known to be serviced by XXXX, guaranteed by ECMC, and owned by XXXX, that were taken out without my knowledge or authorization. These loans may contain forged signatures and were incorrectly classified as FFELP loans. The lenders have failed to produce documentation proving I applied for these loans. While they have sent copies of the promissory notes, they werent the original promissory notes. That said, the signatures seen on those copies sent, do not match my handwriting, and I have made it also known ever since 2017, when first learned of their existence, that Ive never agreed to non Department of Education, Direct Federal Student Loans. Those signatures I have reviewed appear inconsistent, forged, or otherwise non-authentic. I also made it explicitly clear to my schools financial aid office during enrollment that I only wished to receive Department of Education Direct Loans not FFELP loans or privately-backed student loans. These errors have harmed my credit, denied me access to federal repayment and forgiveness programs, and violated consumer protections. I request immediate investigation and correction, including full loan discharge if validation can not be provided.

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 2025-07-06 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:
I filed my first dispute with Experian regarding my XXXX XXXX XXXX XXXXXXXX XXXX account due to multiple reporting inaccuracies. Experian closed the dispute without correcting anything and failed to provide any proof or validation from the original creditor. They did not verify the information properly, nor did they address the specific errors I pointed out. 

Because of their failure, I had to open a second dispute and personally submit supporting documentation proving the correct payment date, the correct charge-off date, and that XXXX XXXX XXXX purchased and marked the debt as paid. Experian still failed to act. They were unable to verify the information themselves, yet continued to report it as valid. 

This failure to properly investigate and correct inaccurate data has negatively impacted my credit score and caused me emotional and mental distress. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and formally demanding the removal of this account from my credit report due to Experians lack of evidence and failure to comply with federal reporting 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 2025-07-06 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:
XXXX XXXX XXXX Summary of complaint : I experienced a data breach which resulted in the compromise of my personal information. The breach led to fraudulent accounts and debts being created in my name. I, XXXX XXXX XXXX date of birth XX/XX/1986 is requesting for CFPB consider this when reviewing their credit report and take action to correct inaccuracies. I discovered my personal information, including my SSN and email login credentials, was exposed in multiple data breaches. Fraudulent information subsequently appeared on my credit report. I sent a letters to the credit reporting agencies, requesting clarification on their investigation methods, but received no response. Then I requested the CFPB to explain their investigation process and method of verification. I also experienced data breaches potentially leading to identity theft. I am requesting the removal of any negative credit information, including student loans, judgements, inquires, negative items, personal loans, from my report under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On XX/XX/XXXX I had noticed when logging onto my Wells Fargo app, online banking that someone had made a transfer from my savings account through a XXXX transaction. It was a very large amount it was XXXX I immediately got nervous because the payment details it was sent to a name gotya i called Wells Fargo and told them right as I was seeing it. The lady on the phone was nice saying Ill get my money back in 10 days and that it would be fine. I had called back two days later to check on the claim to see what was happening and the guy on the phone told me It was still under investigation and to wait the 10 days. Then i called back on day 11 and they told me that it was denied and asked if I got the letter in the mail. They never called or sent me any information about the claim. They basically told me it came from my phone and I was XXXX out of luck. They told me to see if there was spyware on my phone to get it checked. But that the investigation was done and over and they werent going to open it up. How is a consumer supposed to feel safe having their money they pay bills with and feed their family with at such high risk XXXX being XXXX out of luck. How would that not be obvious scam with the name it was sent to. I took all my money out of Wells Fargo after this. So disappointed and now stressed that XXXX out all that money. Wells Fargo and XXXX both should have more support for consumers. Or make them aware of using apps like this. Kinda strange that Wells Fargos limit to a XXXX transfer is XXXX and thats how much someone stole. This is an obvious fraud situation.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
Subject : Avant Failed to Honor Payment Plan Agreement, Damaged Credit, and Violated Multiple Consumer Protection Laws Company : Avant , LLC Account Number ( last XXXX digits ) : XXXX Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, VA XXXX Email : XXXX Phone : ( XXXX ) XXXX I am filing this complaint because Avant , LLC has failed to honor a written payment plan agreement, refused to provide documentation upon request, and as a result has caused serious damage to my credit report while violating multiple federal and state consumer protection laws. 

In XX/XX/XXXX, I entered into a formal payment arrangement with Avant allowing me to pay $ XXXX through XX/XX/XXXX. I have made every payment under this plan in good faith. However, during a recent call, a representative informed me that I had been removed from the planwithout any notice, documentation, or justification. The representative also refused to provide a copy of the original agreement. 

Since Avant continues to accept my {$70.00} payments but is not honoring the agreement or correcting the credit reporting, I believe they are in violation of the following laws : Violations : Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 No written notice of changes to billing/payment plan. 

Truth in Lending Act ( TILA ) 15 U.S.C. 1601 No updated disclosure of repayment terms or plan cancellation. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( if a third-party servicer is involved ) Refusal to validate the agreement and provide supporting documents.

Consumer Financial Protection Act ( Title X, Dodd-Frank ) 12 U.S.C. 5531 Unfair, deceptive, or abusive acts or practices ( UDAAP ) by canceling a valid plan without cause or notice. 

Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693e If payments were auto-drafted, Avant failed to notify me of changes in recurring terms.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) Reporting false or inaccurate information to credit bureaus due to Avant 's failure to follow the agreement.

Virginia Consumer Protection Act Va. Code 59.1-196 et seq. 
Engaging in deceptive business practices and refusing to honor a valid consumer agreement. 

I am requesting that Avant : Immediately reinstate the original $ XXXX plan through XX/XX/XXXX Provide a copy of the original repayment agreement from XX/XX/XXXX Correct and remove any negative or inaccurate information reported to the credit bureaus Explain in writing the reason for my removal from the plan, supported by documentation Avants failure to honor our agreement and its impact on my credit has caused me serious hardship. If not resolved quickly, I am prepared to seek additional legal remedies and file disputes with credit bureaus directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
My rights are being violated in accordance to to confidentiality under 15 USC 1681 by the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please correct as this is the second time I am reporting along with sending hand written letters demanding explanation

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 2025-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I had a lease with XXXX XXXX XXXX. The lease was due to end in XX/XX/year>. They were made aware that would not be resigning. XX/XX/year> I paid rent for the month. on XX/XX/XXXX I gave birth to my child and was in the hospital for XXXX  days. OnXXXX XXXX when I was released I turned in my keys to the leasing office and signed any corresponding paperwork with leasing agent. XXXX months later, XX/XX/year> I get a notice via email stating that I owe {$1500.00} to XXXX apartments. The amount was labeled as " XXXX month to month '' rent. In attempts to resolve this matter I reached out to management via email as they advised me to disregard the email as it was a " glitch in the system '' and they did not wish to respond. I moved out in XXXX and turned in keys as my lease was up in XX/XX/year>. There wasn't any court order for this debt. Transworld Systems inc could not provide me with the original contract of this debt. It should not be reported on my credit if it was a " glitch ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute the XXXX  7 bankruptcy currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify the accuracy and source of this public record.

Specifically, I request the following : The full name and address of the source that provided this bankruptcy information. 

A copy of the documentation you used to verify the accuracy of the record. 

Proof that the bankruptcy was obtained from a court that directly furnishes such data to your agency. 

If you can not verify this record with the original source, I request that you delete it immediately in accordance with FCRA Section 611.

Additionally, I have contacted the court, and they have informed me that they do not report or furnish bankruptcy data directly to credit bureaus. Therefore, this item is not verifiable through an original furnisher, and I request it be removed. 

Please complete this investigation within the 30-day window as required by federal law, and send me a written response with your findings.

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