vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing the reporting of derogatory marks by XXXX regarding a claimed XXXX late payment in XX/XX/XXXX, and subsequent entries, as they remain unverified under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 
According to 1681i ( a ), if a consumer disputes the completeness or accuracy of information and the furnisher of that information ( XXXX  ) can not reasonably verify the accuracy, the item must be deleted from the consumer 's file. 
I have requested : A complete, date-stamped payment ledger ; Copies of late payment notifications or billing notices for XXXX XXXX ; XXXX that any payment was over XXXX  days late, not just past due ; Clear reconciliation of conflicting reporting, such as simultaneous Current and delinquent statuses. 
Avant has failed to produce sufficient documentation verifying the reporting per FCRA standards. Further, XXXX  admitted to inaccurate communication regarding the reporting of a XXXX delinquency, which raises additional concerns about the reliability and integrity of their reporting process. 
In accordance with FCRA 1681s-2 ( b ), I request that this account be fully deleted from my credit report if Avant can not produce proper documentation verifying the delinquency. 
Please provide : XXXX. Confirmation of the results of this reinvestigation in writing. 
XXXX. An updated credit report reflecting any corrections or deletions made. 
I reserve my rights under FCRA and FDCPA, and request that no further inaccurate information be reported. 
Sincerely, XXXX XXXX XXXX ( last XXXX digits ) XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CL Holdings LLC
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. 
Account name : XXXX XXXX ( XXXX ) And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under * paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or * can not be verified, the consumer reporting agency shall ( l ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank checking account on XX/XX/2025, in person with a banker who confirmed they applied a {$450.00} promotional bonus offer that required {$8000.00} in direct deposits. I completed over {$8000.00} in ACH deposits from my external XXXX account by XX/XX/2025, well within the required time window. 

I waited over 90 days, but no bonus was awarded. I recently contacted U.S. Bank and was told that no promo code was ever applied. This was the banks error, not mine. Had the code been applied as promised, my qualifying deposits would likely have triggered the bonus, especially since many customers have received the bonus using ACH transfers from external accounts ( including XXXX ), which are frequently accepted as direct deposits in practice. 

I fulfilled all other terms in good faith. The only reason I was disqualified is because U.S. Bank failed to tag my account correctly at the time of opening, despite the bankers assurance. 

Im requesting that U.S. Bank honor the original {$450.00} bonus offer based on the completed deposit activity and their representatives mistake.

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 2025-07-29 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: NC

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2025-07-29 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: FL

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$980.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/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 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 2025-07-29 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:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$980.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc

Complaint narrative:
My name is XXXX XXXX. I was a XXXX exchange student from XXXX. I opened a Chime account while I was in the U.S. and used it to receive my salary. After I returned to XXXX, my account was suddenly locked on XX/XX/year> due to " unusual activity. '' Chime requested a U.S. government-issued ID such as a U.S. passport or state ID to verify my identity, but as an international student, I do not have those documents. I tried to contact Chime multiple times by phone and email, but only received automated responses and no resolution. I did not submit any documents because they only accept U.S. IDs, which I do not have. 

I currently have {$710.00} in my Chime account that I can not access. I am the rightful owner of the account and would like Chime to either unlock my account or return my money through an alternative method. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Eastern Account System, Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT XXXX XXXXXXXX {$630.00} To Whom It May Concern, This is a formal notice of dispute and demand for validation regarding the collection account referenced above. I, XXXX XXXX XXXX, hereby state that I do not acknowledge or accept this debt as valid. You are legally obligated to cease all collection activity and credit reporting until you provide proper validation under federal law. 

As authorized under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code ( XXXX ) XXXX and XXXX, I am demanding the following documentation : A copy of the original signed contract with my wet-ink signature proving this alleged obligation. 
A binding agreement outlining the specific terms and legal obligations. 
A complete flow sheet/account ledger showing all debits, credits, fees, and interest since account inception. 
Proof of assignment or sale, including a full chain of title from the original creditor to your company. 
Evidence that this debt is not past the statute of limitations in the XXXX XXXX XXXX, including a breakdown of the last activity date and applicable law. 
Proof of your license and bonding to collect debt in XXXX, including your license number and regulatory agency. 
The full name and department of the person who verified this debt with any credit bureau. 
A notarized affidavit verifying that you did not use XXXX or any other automated system and conducted a full and proper investigation in accordance with FCRA 611. 
Let me be clear : A bill, invoice, or system-generated summary is not sufficient validation. Failure to meet the above requirements within XXXX calendar days will result in : Immediate removal of this account from all three credit bureaus ( XXXX, XXXX, XXXX  ) A formal cease and desist on all collection activity Regulatory complaints filed with the CFPB, FTC, and XXXX  Attorney General Potential civil legal action seeking maximum statutory damages under federal law I reserve all rights under XXXX XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2025-07-29 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX  This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-07-29 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: NY

Complaint narrative:
A previously deleted fraudulent XXXX  account was illegally reinserted on my credit report by Experian. This account had already been identified as identity theft and removed after I submitted a notarized identity theft affidavit, an FTC report, and supporting documentation. Experian violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) by reinserting it without proper notice, and 15 U.S.C. 1681c-2 ( a ) by failing to block and delete the account permanently as required. XXXX no longer owns the debt, as it was sold to XXXX XXXX, which is also reporting the same debt. This results in deceptive double reporting and further damage to my credit. Now you are being sued right along with them for allowing them to put this fraud back on my report!

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 2025-07-29 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: TN

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX  XXXX Balance : {$180.00} XXXX  XXXX XX/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 2025-07-29 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: TN

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX  XXXX Balance : {$180.00} XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
Hello! I'm submitting this complaint to follow up my previous letter that I'm requesting for removal of Fraudulent items from my file. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2025-07-29 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

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 XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-29 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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