vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was pre approved for a home loan mortgage and was denied because the department of education marked me late from XX/XX/XXXX til XX/XX/XXXX, how can this happen I have never been late I always reside at the same address, I have the same Identification along with the same email from when i set up my username and password, but I NEVER received any notification about my student loans payments, changes etc. This is totally unfair and I feel I have been discriminated against. I would need for the Department of Education to reply to my complaint since I can not get any one to assist me over the telephone. Department Of Education has marked my Credit File as late -starting from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX with Past due balances totaling over XXXX dollars.

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 2025-07-16 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: IL

Complaint narrative:
I was pre approved for a home loan mortgage and was denied because the department of education marked me late from XX/XX/XXXX til XX/XX/XXXX, how can this happen I have never been late I always reside at the same address, I have the same Identification along with the same email from when i set up my username and password, but I NEVER received any notification about my student loans payments, changes etc. This is totally unfair and I feel I have been discriminated against. I would need for the Department of Education to reply to my complaint since I can not get any one to assist me over the telephone. Department Of Education has marked my Credit File as late -starting from XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX with Past due balances totaling over XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was pre approved for a home loan mortgage and was denied because the department of education marked me late from XX/XX/XXXX til XX/XX/XXXX, how can this happen I have never been late I always reside at the same address, I have the same Identification along with the same email from when i set up my username and password, but I NEVER received any notification about my student loans payments, changes etc. This is totally unfair and I feel I have been discriminated against. I would need for the Department of Education to reply to my complaint since I can not get any one to assist me over the telephone. Department Of Education has marked my Credit File as late -starting from XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX with Past due balances totaling over XXXX dollars.

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 2025-07-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$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 non-monetary relief
Consumer complaint received 2025-07-16 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:
The companies listed in this complaint have been removed off my credit, yet Equifax still hasn't removed the data from my credit report. Equifax needs to update my credit report to reflect the data properly as the collection accounts were deemed verified fraud and all removed from all other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$390.00} XXXX XXXX XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3300.00XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$970.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$8100.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$24.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX XXXX  Date : 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Avant after discovering my credit card account was reported as over limit. I have a {$300.00} limit, but the balance shows {$370.00} about {$70.00} over. I was not late on payments and had autopay set up. This was not a case of missed payment the over-limit happened due to a combination of unexpected charges and a {$75.00} annual fee. I only recognize a few charges like XXXX ; others I dont recognize at all. 

I contacted Avant immediately. They told me Id have to wait 14 days ( until XX/XX/XXXX ) to hear from their fraud team and only by email. No phone number was provided and no action has been taken to pause reporting. 

In the meantime, Avant reported the over-limit status to the credit bureaus. This is severely harming my credit while XXXX trying to rebuild from hardship. Im on Section 8 and SNAP and doing my best to recover, and now Im being penalized for something I didnt intentionally cause and tried to dispute right away.

Im asking that Avant : - Remove or adjust the over-limit reporting - Review and remove any unauthorized charges - Pause further negative credit reporting - Provide phone-based resolution - Issue a goodwill adjustment if appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am filing a complaint against Experian for unlawfully readding a previously deleted accounts back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The accounts in question are : Creditor Name : XXXX XXXX XXXX Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>, Creditor Name : XXXXXXXX XXXX  ; Partial Account Number : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year>. This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) moving forward.

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 2025-07-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX 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  Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I am writing to formally dispute accounts that are being reported under my name without my authorization or awareness. I have never opened or managed these accounts, and their presence on my credit report is both inaccurate and deeply concerning.

This misreporting is completely unacceptable, as it misrepresents my financial history and undermines the integrity of my credit profile. I take my credit standing seriously, and these unauthorized accounts have caused significant stress and potential financial harm.

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 2025-07-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXXXX/XX/XXXXXXXX XXXX - Account Number : XX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$590.00} XX/XX/XXXX Account Number : XX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-07-16 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: LA

Complaint narrative:
A fair resolution requires full compliance with the Fair Credit Reporting Act ( FCRA ) and proper handling of a documented identity theft case. I am requesting that the credit reporting agency : Immediately and permanently delete the following fraudulent accounts : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Block all identity theftrelated data under 15 U.S.C. 1681c2, as I have already provided all required documentation : FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Send written confirmation of all deletions and blocks applied.

Provide an updated, corrected credit report that reflects the removal of the fraudulent accounts and any related inquiries.

This request is not optionalit is a legal obligation under FCRA 1681b ( c ), 1681c2, 1681i ( a ), and 18 U.S.C. 1028A. If the reporting agency fails to resolve this, I will continue escalating to federal and state regulators and consider legal action under FCRA 616 for statutory and actual damages.

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 2025-07-16 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Auto XXXX and XXXX has a business partnership and yes XXXX XXXX inflanted my XXXX XXXXXXXX income to around {$6000.00} dollars to sell vehicle to me during Covid19 Pandemic issues. 
My California XXXX XXXX XXXX income wasn't around {$6000.00} a month.it was around {$4000.00} dollars. 
I have a VA Loan Mortgage for XXXX XXXX XXXX, Ca. in which home was purchased by me on XXXX XXXX. 
I respectfully signed the purchase agreement because I didn't have a vehicle and I needed transportation for my XXXX XXXXXXXX appointments with my doctor in XXXX, California. 

XXXX XXXX stated to me in XX/XX/year> that monthly affordable payments was going to be implemented once I purchase the vehicle, but unfortunately management lied so they can have a sell during Covid19 Pandemic issues.

Vehicle prices during Covid19 Pandemic was very pricey and very unaffordable for my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I applied for a credit card on XXXX XXXX and approved. I did not receive my credit card whose annual fee is {$490.00}. I did not receive my card until early XXXX. When I opened my card the promotion was promising XXXX miles if I spend {$5000.00} within the first 90 days of opening. At the end of XXXX, I called the credit card company to check on the date that I need to spend {$5000.00}. The Rep responded it is early XXXX. I did spend {$5000.00} on XX/XX/XXXX, which is within 90 days I received card but I did not receive the promised XXXX miles. When I called to complain, the representative said that the 90 days start from the day I was approved for the card not from the date I received the card. I found it unreasonable to include days that I did not receive the card, hence I could not use. They also denied to check my conversation with one of their rep at the end of XXXX because they will not honor what the rep said because their contract says 90 days start from the approval.

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 2025-07-16 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: PA

Complaint narrative:
EQUIFAX IS ILLEGALLY RE- AGING PORTFOLIO ACCOUNT. Equifax previously confirmed that it would remove an account from XXXX XXXX XXXX from my credit report. Despite this written confirmation, the account was not fully removed. Instead, it was modified and still appears on my report with a false " updated '' date of XX/XX/year>, which makes it seem as though the debt is recent. 

This is deceptive, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ), specifically provisions prohibiting re-aging of old debt. I have no contract or obligation with XXXX XXXX XXXX, and this debt is not mine. 

Equifaxs conduct in updating a deleted account with a misleading 2024 date is not only a violation of the FCRA but also damages my credit standing. I am requesting the CFPB investigate this matter and ensure Equifax permanently deletes the account as promised. 



Permanent deletion of the XXXX XXXX XXXX account. 

Confirmation of the deletion in writing. 

Sanctions or further investigation if Equifax is found to be illegally re-aging accounts.

Company response to consumer: Closed with explanation