vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit
report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I am submitting this formal complaint to report what I believe to be fraudulent, deceptive, and unfair billing practices by Avent, and to demand immediate corrective action. 
On or about XX/XX/year>, I received an email from Avent explicitly stating that no payment was due at that time. This representation was also reflected on my online account dashboard. Nonetheless, shortly thereafter, I received a notice indicating that my account was past due. 
I promptly contacted Avents customer service department by telephone to address this discrepancy and made a payment over the phone. Despite Avents own communication, which misled me into believing no payment was required, the company refused to remove the resulting late fee and further asserted that I owed more than the amount previously reflected on my account. 
Subsequently, I observed additional unauthorized and unexplained charges on my account. Avent has failed to provide any justification or documentation substantiating these charges, thereby depriving me of a meaningful opportunity to dispute them. I followed up by calling customer service on two additional occasions and by sending seven separate emails. Avent delayed its responsestaking more than a week to reply in some instancesand failed to acknowledge all of my inquiries. Even when responding, Avent did not adequately explain or correct the errors on my account. 
In the meantime

, Avent has continued to assess late fees, notwithstanding the fact that its own misleading communications and apparent system errors prevented me from making timely payments. Such conduct appears to constitute deceptive, unfair, and unlawful business practices. Accordingly, I hereby demand the following remedies : 1. A full written accounting and itemized breakdown of all charges on my account. 2. Immediate removal of all unauthorized or erroneous charges and all related late fees.

3. Written confirmation that my account has been corrected and restored to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ).

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

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 2025-07-09 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: OH

Complaint narrative:
I am filing this complaint to request the deletion of an inaccurately and inconsistently reported account by XXXX XXXX XXXX violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. It appears twice on my credit report with conflicting payment history and status, as outlined below : Instance # XXXX 80 % of payments reported as on time No derogatory marks Marked as closed in good standing Instance # 2 Only 57 % of payments reported as on time Shows derogatory remark and multiple late payments Statuses reported as Unknown or missing key data fields This is the same account, yet the information being reported is not only inconsistent, but also misleading and incomplete violating the FCRAs requirements for data furnishers to report complete and accurate information ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ).

Due to this clear violation, I am not requesting correction. I am demanding that the account be permanently deleted from all credit reporting agencies for failure to comply with federal law.

Please investigate this matter immediately. I have attached evidence ( screenshots ) showing both conflicting reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

Complaint narrative:
I am filing this complaint to request the deletion of an inaccurately and inconsistently reported account by XXXX XXXX XXXX violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

The account in question was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. It appears twice on my credit report with conflicting payment history and status, as outlined below : Instance # XXXX 80 % of payments reported as on time No derogatory marks Marked as closed in good standing Instance # 2 Only 57 % of payments reported as on time Shows derogatory remark and multiple late payments Statuses reported as Unknown or missing key data fields This is the same account, yet the information being reported is not only inconsistent, but also misleading and incomplete violating the FCRAs requirements for data furnishers to report complete and accurate information ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ).

Due to this clear violation, I am not requesting correction. I am demanding that the account be permanently deleted from all credit reporting agencies for failure to comply with federal law.

Please investigate this matter immediately. I have attached evidence ( screenshots ) showing both conflicting reports.

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 2025-07-09 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The personal information on my credit report is outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
The Equifax credit breach in XXXX affected my personal information allowing hackers to sell my personal information on the XXXX market. This has cause numerous financial impact and stress to me. I found an inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable items on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
The Equifax credit breach in XXXX affected my personal information allowing hackers to sell my personal information on the XXXX market. This has cause numerous financial impact and stress to me. I found an inaccurate negative items on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable items 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Financial company sent amount owed to another creditors and it was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX ( original lender ) and Westlake Portfolio Management ( current servicer ) regarding a predatory auto loan for a XXXX XXXX XXXX. 

I purchased the vehicle on XX/XX/XXXX, from XXXX XXXX XXXX XXXX in XXXX, MI. Despite a {$4500.00} down payment and a vehicle with over XXXX miles, I was financed {$12000.00} at an APR of 21.95 %. The contract included {$1800.00} for an extended warranty, even though the vehicle was sold AS IS/ NO WARRANTY, creating a conflict and potentially deceptive upcharge. 

My monthly payment has been {$390.00} since XX/XX/XXXX. To date, I have paid over {$20000.00} on this loan. In XX/XX/XXXX, my vehicle was repossessed, and I was informed I still owed over {$6200.00}. This is despite already paying more than the vehicles original value. 

I was never provided an amortization schedule, and the cost of the loan was not clearly disclosed in a way I could understand. I also question how my payments were applied it appears that a large portion went to interest and fees rather than principal, despite regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against Bank of America for inaccurate and inconsistent reporting of a charged-off credit card account, in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ).

This account is being reported with conflicting and false data between XXXX and XXXX  as outlined below : XXXX reports : 15 % of paymenXXXXs on time Last payment : 06/01/2020 Charge-off ( no mention of collections ) XXXX late payments : XXXX / XXXX / XXXX Account closed : XX/XX/year> XXXX reports : 21 % of payments on time Last payment : XX/XX/year> Charge-off and collections XXXX late payments : XXXX / XXXX / XXXX Account closed : XX/XX/year> These discrepancies are significant and materially affect my credit profile and score. Specifically : Different late payment counts ( XXXX reports XXXX instances of XXXX day lates ; XXXX  XXXX XXXX ) Different closure dates Different last payment dates One lists as charge-off only, the other as charge-off and collections These contradictions suggest at lea

st one report is factually inaccurate and not properly verified, violating FCRA regulations. I have disputed this through consumer channels and have screenshots from both reports showing the inconsistencies. I request that the CFPB investigate and require Bank of America to either : Provide verifiable, corrected, and consistent information across all bureaus, or Delete this tradeline entirely from my credit reports due to its continued inaccurate reporting and noncompliance with federal law.

Thank you for your 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 explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to inform you that my home caught fire, and I was displaced and living in a shelter for 90 days. During this period, I was unable to attend school, which has now negatively impacted my credit report at anytime im willing to provide supporting documents from redcross. 

This was an unforeseen emergency beyond my control, and I kindly request that this matter be reviewed and removed from my credit history immediately. 

Thank you for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Iam writing to formally dispute an account that has been reported to my credit credit file by your agency .The account in question is not mine and was opened or used fraudulently without my authorisation, Iam a victim of identity theft. In accordance with my rights under 15 U.S. code 1681c-2 ( blocking of information resulting from identity theft ) of the Fair Credit Reporting Act, Iam requesting that you 1.immediately delete this account from my credit file.

2.Cease all collection activity on this account 3.Provide written confirmation that this account has been removed from your records and all credit reporting agencies.

Pursuing collection on a debt that you know or should know is not valid constitutes a violation of 15n U.S. Code 1692j of the FDCPA and may result in legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I just deposited XXXX in my Citi bank account a few weeks ago, a week has passed and it finally cleared today. I went into the branch and signed up for a secure credit card which has a XXXX balance of XXXX. I also wired XXXX to my business account. They said Id receive a call within XXXX hours but I never did. I called and now they said my account is restricted. They asked for a phone number to verify and I gave them my number which I used to open it. They said it cant be verified and they said I have to wait for XXXX XXXX XXXX days to receive the letter in the mail BUT until then. I can use my account online. Thats sooo weird. I asked if I can walk into the branch to verify myself they said either way theyll still need me to wait until I receive the mail. I feel like theyre holding my money hostage. What can I do. I told them Im going to the lady tomorrow morning who opened the account for me with ALL OF MY INFO. They said it wouldnt matter. But then they said I can go. I asked to speak to a supervisor for an hour and the lady XXXX refused. It seems so sketchy and Im doing everything possible to no avail. this is my account and my money smh. Im going tomorrow to show all of my identity for verification. They said it doesnt matter I have to wait for a verification letter it seems like their using my money to flip before they I can get a chance to leave with it honestly

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 2025-07-09 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ).

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am disputing the accuracy of the account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. This account contains multiple inconsistencies across the credit bureaus, XXXX example is conflicting high credit amounts. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information. If the information is found to be inaccurate or can not be verified, it must be deleted from my credit file. 

Given the conflicting data and lack of uniform reporting, I am requesting that this account be immediately deleted from my credit report. 

Please confirm the deletion in writing within the XXXX period required by 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
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was targeted by a bank impersonation scam after losing my wallet. Someone contacted me claiming to be with my banks fraud department and said my identity was stolen. They instructed me to withdraw a large sum of money, place it in a sealed envelope, and have it collected by a courier as part of a confidential investigation. Under pressure, I withdrew the funds and complied, thinking I was assisting the bank. 

Later, I realized this was a scam. When I reported it, the bank told me they couldnt help because the withdrawal was voluntary. However, the withdrawal was coerced through deception. I request the CFPB to assist in compelling the bank to investigate this as fraud and reimburse the coerced withdrawal under consumer protection regulations.

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