vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX/XXXX/XXXX -- {$380.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$890.00} XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$2000.00} XXXX  # XXXX XXXX/XXXX/XXXX -- {$2000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX  # XXXX XXXX/XXXX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1400.00} XXXX  # XXXX XX/XX/XXXX -- {$470.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX # XXXX XX/XX/XXXX -- {$930.00} XXXX  # XXXX XX/XX/XXXX -- {$2300.00} XXXX  # XXXX XX/XX/XXXX -- {$480.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : Request for Immediate Deletion of Inaccurate Collection Account Account Name : XXXX XXXX XXXX. 
Original Creditor : XXXX / XXXX XXXX Account Number ( not known ) Date Opened ( per credit report ) : XX/XX/year> Reported Balance : {$600.00} To Whom It May Concern : I am formally requesting the immediate deletion of the above-referenced collection account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards.

This account is currently being reported with serious errors, including but not limited to : Reporting the account status as Open, which is inaccurate for a collection account and misleading to lenders and credit scoring systems.

Omission of the Date of First Delinquency ( DOFD ), which is legally required to calculate the 7-year reporting period.

Missing critical data such as Date of Last Payment, ECOA code, and portfolio/account type, violating the accuracy and completeness standards of XXXX XXXX XXXX 

Duplicate remarks ( " Placed for collection '' listed twice ), which falsely amplify the severity of the derogatory information. 

These issues are in direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must ensure maximum possible accuracy.

FCRA 605 ( c ) Bureaus must retain the DOFD to ensure timely deletion.

CFPB Circular 2022-07 Reinforces duty of data furnishers to use proper and complete XXXX XXXX coding. 

Due to the severity and legal implications of these violations, I am demanding that this account be deleted in full from my credit file immediately. If you choose not to delete this account, please provide the following within 15 days under my rights per FCRA 611 and 609 ( a ) : A copy of all documents you relied on to verify the debts validity and accuracy. 

The complete XXXX XXXX data set you are furnishing to TransUnion ( including status code, DOFD, ECOA, and payment history ). 

A written explanation of how you believe this reporting is compliant with federal law and XXXX XXXX standards. 

Please consider this my formal dispute and deletion request. Failure to correct or delete the account promptly may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other regulatory authorities.

I have attached proof of identity and a copy of the credit report showing the disputed entry. 

Thank you for your prompt attention to this matter.

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 2025-06-20 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Items : DEPT OF ED/XXXX  - XX/XX/XXXX - {$3600.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$4700.00} XXXX - XX/XX/XXXX - {$1800.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$2000.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$2100.00} XXXX  CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX - {$4000.00} 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 2025-06-20 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Items : DEPT OF ED/XXXX  - XX/XX/XXXX - {$3600.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$4700.00} XXXX - XX/XX/XXXX - {$1800.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$2000.00} DEPT OF ED/XXXX  - XX/XX/XXXX - {$2100.00} XXXX  CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX - {$4000.00} 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am disputing a fraudulent account that appears on my credit report from XXXXAvant XXXX account number XXXX. 

I did not open or authorize this account and believe I am a victim of identity theft. The account is showing a balance of {$660.00} and is dated XX/XX/year>, which is not a valid debt that I owe. 

I have already reported this as identity theft to the credit bureaus and am in the process of submitting a formal identity theft report. I am requesting that XXXXAvant immediately remove this account from my credit report and cease all collection activity, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). 

If they are unable to provide verified documentation proving I opened and used this account, it must be removed. I request a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I filed a dispute regarding two fraudulent charges on my SYNCB/XXXX XXXXXXXX XXXX credit card about a month ago. When I followed up today, I was told the dispute had been mishandled due to their internal transition from XXXX to XXXX. Apparently, the issue was filed incorrectly on their end, and now they are redoing the dispute only because I called back to follow up. 

As a result, the disputed charges have been marked overduesomething that never should have happened if they had processed the dispute correctly from the beginning. This error has caused my credit score to drop by XXXX points, and no one is taking responsibility or offering a clear resolution. Im extremely frustrated and feel completely at a loss here.

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 monetary relief
Consumer complaint received 2025-06-20 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:
In accorda

nce with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX List of Unauthorized Inquir
ies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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.

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 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
On XX/XX/scrub> 2025, I received a message through my XXXX seller account from someone posing as a buyer. They sent a link to what appeared to be a legitimate XXXX order page but was in fact a fraudulent website impersonating XXXX. The site is still live : XXXX XXXX XXXXXXXX The scammer instructed me to create a Revolut account and deposit funds to " verify my seller profile and confirm the transaction. '' I was directed to deposited {$400.00} using my XXXX  XXXX XXXX debit card, and {$350.00} was transferred from Revolut to a third-party processor, XXXX. I was told this was a temporary hold and that the funds would be returned after verification. 

Realizing shortly after that this was a scam, I immediately filed a dispute with Revolut on XX/XX/XXXX, the same day the deposit was made. Revolut denied my dispute, citing XXXX Secure ( XXXX ) authentication. I explained that I was deceived by a fraudster impersonating a buyer, and the authorization was obtained under false pretenses. The funds were in " processing '' status from XX/XX/XXXX to XX/XX/XXXX. 

Once the transaction cleared on XX/XX/XXXX, I filed a formal dispute with XXXX  XXXX XXXX, which is currently under review. I also filed a fraud report with the FTC. 

I requested a goodwill refund from Revolut, which they acknowledged is being reviewed by their compliance team. I am submitting this CFPB complaint to formally document this fraud, ensure regulatory oversight, and seek support in recovering funds lost due to impersonation and manipulation on a trusted platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CO

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX reporting standards, and federal regulations including Regulation F and Regulation V. This complaint specifically concerns the XXXX XXXX XXXX account being inaccurately reported on my TransUnion credit report. 
Despite multiple certified disputes sent between XXXX and XX/XX/XXXX, TransUnion has continued to report this account as open, which is a direct violation of XXXX XXXX standards and federal reporting requirements for collection accounts. Their reports also state that the account was closed on XX/XX/XXXX, while still being listed as open, and that it was opened on XX/XX/XXXX, with no payment history or activity shown for that or subsequent months. These contradictions demonstrate a failure to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Other nationwide credit reporting agencies have already removed this XXXX account from my credit file after failing to verify its accuracy. TransUnion, however, continues to mark the account as verified without providing any evidence or explanation. I have repeatedly requested their method of verification, but no such information has been provided, violating their obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

I am requesting that the CFPB initiate a formal investigation into this matter and compel TransUnion to : Remove the XXXX  account from my credit file ; Provide written verification methodology and supporting documentation ; Correct my credit score and send me an updated, accurate credit report ; Notify all prior recipients of my file of the correction ; Preserve all related records and metadata for legal review; Compensate me for statutory and actual damages ; Acknowledge that no accord and satisfaction may be presumed without my explicit written consent.

This is one of several disputes I have filed with TransUnion, and I will be submitting additional complaints to reflect each account and violation. I also request that my name and documentation be included in any future lawsuit or class action brought by the CFPB or FTC related to TransUnions pattern of sham investigations.

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 2025-06-20 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:
I am filing a complaint against [ XXXX  XXXX XXXX  XXXX TransUnion ] for violating the Fair Credit Reporting Act ( FCRA ), Section 611, due to their failure to properly investigate and correct inaccurate information in my credit report. 
On XX/XX/year>2025, I submitted a written dispute to TransUnion regarding a tradeline reported as charge-off by XXXX XXXX XXXXXXXX XXXX XXXX XXXX  which contains inaccurate and/or unverifiable information. 

Under FCRA 611 ( a ), the credit reporting agency was required to : Conduct a reasonable investigation within 30 days, Delete or correct any inaccurate, incomplete, or unverifiable information, Notify me in writing of the results of the investigation.

As of today : I have received no response to my dispute.

The disputed account was not corrected or deleted, despite being inaccurate.

The investigation did not include any documentation validating the account.

This is a direct violation of FCRA 611 and is causing me harm by allowing inaccurate negative information to remain on my credit file.

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 2025-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I've over paid my loan .also my agreement is stamped paid but I have not received my title back and that was XXXX2025 here it is XXXX and I'm still paying for my title

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am submitting a complaint against Experian for failing to conduct a reasonable and thorough investigation into a disputed collection account reported by XXXX XXXX XXXX XXXX. The account in question is tied to fraudulent billing by XXXX XXXX, including multiple unauthorized withdrawals from my bank account. XXXX XXXX did not validate the debt nor provide any documentation proving it was legitimate, yet Experian accepted their reporting without fully investigating my concerns. 

Despite submitting evidence and a formal dispute, Experian allowed this collection account to remain on my credit file. This failure to properly investigate violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy and integrity of the information they report. 

This inaction has caused harm to my credit standing and continues to affect my financial well-being. I am requesting the immediate removal of the inaccurate collection account and written confirmation from Experian that they will review this matter thoroughly and comply with their obligations under 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