vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
In accordance 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.

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 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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  : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 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: TX

Complaint narrative:
These accounts were created without my consent and are fraudulent. In accordance with USC 1681g, I demand they be deleted from my credit file within the required 15 days. Supporting evidence is enclosed.

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 2025-08-26 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-26 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: PA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 Balance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : AMER CR ACPT XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute of Inaccurate Repossession FCRA Violation Notification Dear AMER CR ACPT Compliance Department, I am formally disputing the repossession account being reported to the credit bureaus under my name. This account is being reported inaccurately and in violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ). 
Violations Identified : FCRA 602 ( 15 U.S.C. 1681 ) Lack of Fairness and Accuracy The reporting of this account as a repossession while also reflecting charge-off and collections, despite notes of redeemed, is misleading, incomplete, and contradictory. This violates the FCRAs foundational requirement for maximum possible accuracy in consumer reporting. 


FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Maintain Accuracy You are legally required to ensure all information you furnish to credit bureaus is accurate and not misleading. Reporting both repossession and redeemed without clarifying resolution misrepresents the true status of the account and causes significant harm to my credit standing.

FCRA 611 ( 15 U.S.C. 1681i ) Duty to Reinvestigate This is my formal demand for reinvestigation of this account. You are now on notice and must complete a thorough reinvestigation within 30 days. Failure to do so is a direct violation of federal law.

Legal Notice : If you are unable to fully verify the accuracy and completeness of every detail reportedincluding dates, payment history, charge-off status, and repossession statusyou are obligated under federal law to DELETE this account from all consumer reporting agencies. Continued reporting without verification will be viewed as willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ), subjecting your company to monetary damages, attorney fees, and potential legal action.

Action Requested : IMMEDIATELY delete the inaccurate and derogatory account from all credit bureaus ( XXXX XXXX XXXX  ).

Cease all further reporting of this account unless you can provide documented proof of full legal compliance with FCRA requirements. 


Send me written confirmation of the deletion within 30 days. 


Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX  [ Date ] To Whom It May Concern : Re : Formal Dispute of LVNV FUNDING LLC Accounts I am writing to dispute several accounts being reported by LVNV FUNDING LLC on my credit file. The following accounts contain inaccurate and misleading information and must be corrected or deleted in compliance with the Fair Credit Reporting Act ( FCRA ) 1681i : LVNV FUNDING LLC Reported balance : {$760.00} Opened : XX/XX/XXXX LVNV FUNDING LLC Reported balance : {$440.00} Opened : XX/XX/XXXX LVNV FUNDING LLC Reported balance : {$340.00} Opened : XX/XX/XXXX LVNV FUNDING LLC Reported balance : {$240.00} Opened : XX/XX/XXXX Errors Noted : The accounts list LVNV FUNDING LLC as the original creditor. This is false. LVNV is a debt buyer/collector, not the original creditor. 

The accounts are reported as Open while also marked Placed for collection. A collection account can not be open credit and this misreporting unfairly damages my credit.

The remarks Account information disputed by consumer are duplicated, which is inaccurate reporting. 

At least two accounts share the same opened date ( XX/XX/XXXXXXXX  ) but with different balances. This suggests duplicate reporting of the same debt, which inflates the appearance of my obligations. 

These errors violate the FCRA because they are incomplete, inaccurate, and misleading. I request that these accounts be investigated and corrected or permanently deleted from my credit file. 

Please provide me with written confirmation of the results of your investigation. If LVNV or the credit bureaus can not verify the accuracy of each item with complete documentation from the original creditor, these accounts must be deleted.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NY

Complaint narrative:
I have a direct express account that has been frozen/restricted. XXXX XXXX claims they need proof of identity to unlock the account. I have submitted the requested documents on ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) via email. Each time I call, I am told they have not received the documents or that I must resubmit them. This has happened six times with no resolution. I have verified my information over the phone and provided all requested proof ( US Passport, Social security card, naturalization certificate and birth certificate ). I believe this is an unreasonable delay in providing me access to my federally deposited benefits. I am requesting CFPB assistance to have XXXX XXXX XXXX XXXX  review my documentation, lift the account restriction, and release my funds immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have been a PayPal user since around XXXX. Several times over the last year, PayPal has placed restrictions on my account based on what its algorithms consider " fraudulent activity ''. Each time, the website has asked me to provide additional context for three recent transactions. I have done this each time, with increasing frustration, as they are just normal transactions done via PayPal for my business. I have reached out to PayPal to discern why my account keeps getting flagged, restricted, etc. and the only answer I've been given has been that the account restriction system is 100 % automated and there is no way to have human oversight into the problem. The most recent time this happened, I provided the information they requested like all previous times, then I was sent the following email Subject : Important : Account has been permanently deactivated Body : Were no longer offering PayPal services for this account We strive to provide our customers with seamless and user-friendly services. Unfortunately, sometimes were unable to offer services to an account for a variety of reasons, including local laws, our policies, or the policies of our partners. 
Why is this happening? 
Based on the information we have today, there was information used to create this account that we can not verify. 
What can you do with your account? 
Your account has been permanently deactivated. If applicable, you're no longer eligible for PayPal seller protection as per our User Agreement. As your account is in High Tier, you'll be charged a High Volume Dispute fee. However, you can still view your transaction history, download account statements, or request copies of your data.

What about funds left in your account? 
We may hold any funds in your account for up to 120 day ( s ) to cover things like chargebacks or other financial liabilities. Well review the account and email you when funds are available.

How can you learn more? 
To learn more about the types of account activity we can't support, read the Supported Activity section in our Help Center.

We understand this news may be disappointing. We apologize for the inconvenience. 

I have reached out repeatedly for an explanation for this action but have repeatedly been told that my account will not be reopened, my funds will be held for 120 or 180 days ( each number by a different person ), and that no explanation will be given without sending a subpoena to their legal department. There is a decent chunk of money in that account that is being held without justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
These accounts were fraudulently created in my name. I ask that you remove them within 15 days as required by USC 1681g. Relevant documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: NM

Complaint narrative:
I am filing this formal complaint against Avant , LLC regarding mismanagement of my credit card account and a payment plan, which has caused me financial hardship and confusion. 

Account and Payment Plan History : I was previously unemployed and enrolled in a flexible short-term payment plan with Avant, designed to help customers manage past-due balances, freeze interest charges and late fees, and restore card privileges upon meeting agreed payment terms. 

Upon securing full-time employment, I paid my account in full as soon as possible. 

Issues Encountered : Despite paying my account in full, I received an email stating that my payment plan was activated, making it irrelevant and potentially causing an overpayment. 

My account, which I previously had access to, was unexpectedly closed without prior notice. This contradicts the assurances provided in Avants payment plan terms. 

I attempted to call Avant to resolve the issue, but the agent was extremely rude and refused to assist me. 

Supporting Documentation : I have attached email correspondence from Avant, explicitly stating : " A flexible short-term payment plan designed to help you manage past due balances more easily. You can enjoy more affordable monthly payments. Plus, we will freeze all interest charges and late fees for the duration of your plan. Full access to your card privileges can be restored once you meet the agreed-upon payment terms and conditions or if you make your total minimum payment due balance payment. '' Additional email correspondence shows Avant acknowledging my attempts to contact them and the confusion caused by the account closure and payment plan activation. 

Impact : This misinformation and mismanagement caused financial stress and uncertainty regarding my access to funds and ability to manage my credit. 

I have acted responsibly by paying the account in full, yet I am still facing issues due to Avants failure to honor the payment plan terms and adequately communicate account status changes. 

Requested Resolution : Immediate clarification and correction of my account status, including restoration of card access if applicable. 

Review of Avants account closure procedures and communication regarding payment plans to prevent similar occurrences. 

Confirmation that no negative credit reporting or additional fees will result from this mismanagement. 

I request the CFPB investigate Avant , LLC for potential violations of fair credit reporting, account management, and payment plan obligations. I am willing to provide all documentation, including email correspondence and account records, to support this complaint. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 Balance : {$560.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

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