vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion for continued reporting of inaccurate, unauthorized, and fraudulent information on my consumer credit report, despite multiple written disputes and supporting documentation.

Specifically, I have submitted identity theft reports, mailed certified dispute letters, and requested investigation and removal of the following : Fraudulent accounts including XXXX XXXX  Despite my attempts to correct these errors, TransUnion has continued to list these items as " verified '' without providing any documentation or proof of verification, in violation of the Fair Credit Reporting Act ( FCRA ).

I have also requested, in accordance with 15 U.S.C. 1681i ( a ) and 1681e ( b ), that TransUnion send me the documentation used to verify the disputed information. To date, no such evidence has been provided.

TransUnion has failed to correct or remove these items within the 30-day investigation window, and I am now requesting assistance from the CFPB to compel them to comply with the law and remove all inaccurate, unverifiable, and unauthorized data from my credit report.

These actions are negatively affecting my creditworthiness and causing undue harm. I am also requesting that TransUnion cease marking my legitimate disputes as frivolous and adhere to all requirements under the 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 2025-06-13 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I submitted multiple disputes to Experian starting regarding fraudulent accounts resulting from identity theft. With my disputes, I included clear and sufficient documentation : identity theft reports, police reports, FTC Identity Theft Affidavit, proof of my identity, and applicable legal references under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681c-2. Despite receiving all required documentation, Experian failed to comply with their legal obligations to remove or correct the fraudulent information within the legally required timeframes. This is a direct violation of federal law, and their inaction continues to harm my credit standing and financial wellbeing. Experian failure to follow proper procedures reflects either willful noncompliance or gross negligence. I am requesting the CFPB to take immediate action to hold Experian accountable, ensure full deletion of all fraudulent accounts, and apply any applicable penalties for their failure to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information being reported on my credit reports by XXXX XXXX XXXX  and the three major credit bureaus : TransUnion, Experian, and XXXX.

This incorrect information is negatively impacting my credit profile and must be investigated immediately.

I have identified discrepancies in the reporting of an account by XXXX XXXX XXXX  Account is XXXX the three credit bureaus Account Opening Date are listed below TransUnion reports the account was opened on XX/XX/year> Experian and XXXX  report the account was opened on XX/XX/year>. 
It is also a Charge-Off Reporting The account is reported as a charge-off across all three bureaus but the underlying account information is inconsistent and inaccurate.

I have attached the following documents for your review and it is a copy of my credit report highlighting the discrepancies.

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 2025-06-13 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: GA

Complaint narrative:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days.

You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer. 
Despite providing : - A valid FTC Identity Theft Report- A written request for block/removal- Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
CREDIT REPORT AGENCIES ARE SHOWING XXXX DIFFERENT LOANS THAT ARE THE SAME. I HAVE SENT THEM PROOF MULTIPLE TIMES & THEY WILL NOT TAKE ONE OF THEM OFF. XXXX XXXX AND XXXX XXXX XXXX ARE THE SAME LOANS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I HAD " AUTOMATIC PAYMENT '' SET UP FOR THIS ACCOUNT WHEN THE MINIMUM MONTHLY PAYMENT CHANGED, THE " AUTO-PAYMENT '' WAS NOT CHANGED THIS CREATED ONE PAYMENT THAT WAS MADE, BUT DID NOT MATCH THE MINIMUM THE PROBLEM CONTINUED FOR 3 MONTHS BEFORE I WAS MADE AWARE I NEVER RECEIVED A NOTICE THAT THIS WAS BEING REPORTED TO THE CREDIT AGENCIES THESE ARE THE ONLY TWO " LATE PAYMENTS '' ON MY REPORTS, WHEN IN FACT THEY WERE NOT LATE, THE AUTO-PAYMENT FAILED TO UPDATE TO THE CORRECT AMOUNT.

I HAVE NO OTHER LATE PAYMENTS ON THIS ACCOUNT OR ANY OTHER. THIS WAS CLEARLY AN ERROR ON THE PART OF CAPITAL ONE, WHO FAILED TO ADJUST THE " AUTO-PAYMENT '' AMOUNT. 

ANY HELP WITH THIS WOULD BE GREATLY APPRECIATED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-13 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:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within 4 business days.

You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer.

Despite providing : - A valid FTC Identity Theft Report- A written request for block/removal- Clear documentation of fraud You continue to report the following : 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-13 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: DC

Complaint narrative:
I called in and spoke with a representative on XX/XX/XXXX and made a payment per the information the rep provided. When I called in on XX/XX/XXXX or so to make a payment I was transferred immediately to a rep that advised this was an attempt to collect a debt and then they started speaking to me about my account without securely verifying the account. I was advised that I had a balance of XXXX XXXX for which I disputed and asked to be transferred to a call center in America . I asked that the call be pulled, reviewed, and contacted by an upper supervisor. I was denied that access and requested to speak to a supervisor which was unavailable and advised that I would be contacted. I have called in several times prior to the due date today to rectify and have not been contacted by a supervisor yet. 

I opened a case with the XXXX XXXX XXXX over a week ago and will continue to pursue this case. I called in today and was advised the XXXX XXXX  balance was still there and that my minimum payment was {$72.00} including a {$40.00} late fee from the month of XXXX. 

I am extremely concerned about the poor customer service and mismanagement of my account. I also was fraudulently charged a {$40.00} late fee from their rep XXXX XXXX. 

This is an atrocity and they should ne utterly ashamed of themselves and the way they managed this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
When contacting Experian I told them about CFPB complaint number XXXX and verbally notified me that they never received the complaint and not legally do investigation into my report which violated law 15 USC 1681

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