vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding multiple accounts that have been improperly reported by Experian, TransUnion, and Equifax on my credit report. These accounts were added without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 12 CFR 1006.34 ( d ) ( 3 ).

The following accounts have been reported without proper notice or opportunity for dispute : XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Numbers : XXXX and XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX This omission has denied me the opportunity to verify the accuracy of the debts in question. I have not been afforded the right to dispute these accounts in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Denying me access to the dispute process has infringed upon my rights and has prevented me from challenging potential inaccuracies and discrepancies.

Furthermore, Experian has used false, misleading, and deceptive means in their reporting practices, which violates my consumer rights. These unethical practices compromise the integrity of the credit reporting system and have caused me significant emotional and financial distress.

Additionally, Experian is not authorized to furnish information to consumer reporting agencies without first complying with the required disclosures mandated by law. By failing to follow the procedures outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( a ) ( 7 ) ( A ), Experian has shown a flagrant disregard for consumer protection statutes. 

I also did not receive any notice from the above-named creditors giving me the opportunity to dispute the validity of the debts within 30 days, as legally required. 

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) investigate this matter promptly. I also request that Experian remove the aforementioned accounts from my credit report and cease all related collection activities immediately. 

Thank you for your attention to this urgent matter. I look forward to your timely resolution.

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 2025-05-10 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: MD

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 XXXX XXXX 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

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax remove XXXX XXXX account from my credit report at once acct XXXX for failure to comply with my request over and over under the law I can and have request information but do not get it enclosed is there CFPB response and my request that clearly shows they are not going to give me the information remove account or face legal response payment history is not contract under the law i have enough evidence to sue you also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from Avant regarding a missed payment on a personal loan. On XX/XX/year>, I sent a formal written request disputing the debt under the Fair Credit Reporting Act ( FCRA ) and requesting written communication only, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Avant responded with a generic message instructing me to call them, refusing to provide any written validation of the debt or acknowledgment of my dispute. They also ignored my prior attempts to negotiate a hardship settlement in writing, insisting I speak by phone, which I am not able to do for legal and privacy reasons. 

This behavior appears to violate both FCRA ( failure to respond to a dispute and failure to mark the account in dispute ) and FDCPA ( refusal to honor written-only communication requests ). Avant has not provided any verification of the loan or resolved the dispute in writing as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

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 2025-05-10 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The company is trying to charge me interest when I paid the entire balance owed by the due date on the statement in full. The company declined adjusting the interest charges even the response they emailed me confirmed I met the requirement. 

My Statement dated XX/XX/year>. Shows 0 % Due date XX/XX/year>. balance of {$2800.00}. I paid the full amount of {$2800.00} by XX/XX/year>. Paid it prior to the due date and the credit card company still sent me a statement adding finance charges of {$52.00}. 

I have paid the card in full prior to the statement due date and requested that they adjust the amount of {$52.00} to my account. The statement was still at 0 % interest rate and they are adding finance charges on the statement due XX/XX/year>. 

I called on XX/XX/year> and spoke with a representative who advised me that they need to waive the charges because I did pay in full. He submitted a request for the full adjustment. 

I find out today the request was rejected with a representative sending me a letter XX/XX/year>. This letter stated that because my statement of XXXX was not paid in full and it was subject to interest rate. The promotion rate was 0 % for the statement of XXXXXXXX XXXX & XX/XX/year> they sent me the statement confirming it was at 0 %. 

I called on XX/XX/year>, and spoke with XXXX a supervisor who offered to waive in full the charges after discussing the prior and he agreed with me. The system only allowed him to remove {$25.00}. I called and spoke with supervisor XXXX who refused any additional adjustement. 

I still have a balane of {$25.00} and I am requesting assistance since the credit card company is refusing to assit any further even with the supervisor in agreement with me. The stated the calls are recorded and that someone higher up needs to review. 

The letter provided by the bank ends with the sentence which confirms the following " If you pay your Statement Balance in full every month on or before the due date, you will avoid being charged interest. '' You will see that the letter provided by the bank refutes the statement because I have confirmed to pay the statement balance in full before the due date when the statement reflects 0 % promotional balance. I am requesting assistace in getting the credit to my account for {$25.00}. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have submitted requests in writing multiple times to have all extra payments applied to a specific loan on my account and the lender continues to apply payments to the wrong account. These " extra '' payments are automatically set up to be sent twice a month by a third party app, and by doing so, will satisfy the monthly payment on the account for which I have requested that the payments be applied. However, since the lender, Mohela, refuses to do as I have requested, I continue to make extra payments, as well as the required monthly payment since the extra payments are not applied correctly. My last request was made on XX/XX/year>. An extra payment was made on XX/XX/year> and was applied incorrectly. I have made the request again today, however another extra payment was sent today by the third party app. I doubt this payment will be applied correctly. As such, I will be forced to pay the required amount due for XXXX, despite having already paid over that amount via the third party app.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-10 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-10 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: TX

Complaint narrative:
Several companies have accessed my credit report through Equifax without my authorization, negatively affecting both my credit and credit score. I was informed by an Equifax representative that these unauthorized inquiries would be removed, yet they continue to appear on my report. These potentially fraudulent entries raise serious concerns about identity theft and are causing undue stress and harm to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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 request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

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. 

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 List of Unauthorized 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 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 A
ny 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 non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XXXX/XXXX/202 -- {$1400.00}

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 explanation
Consumer complaint received 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE DISPUTED PUBLIC RECORDS THAT DO NOT BELONG TO ME. I HAVE SUPPLIED AN FTC FRAUD AFFIDAVIT, POLICE REPORT FOR IDENTITY THEFT, DISPUTE LETTERS, EVEN VERIFIED IVE NEVER LIVED AT THE ADDRESS REPORTED. TRANSUNION HAS " VERIFIED '' THESE PUBLIC RECORDS WITH A THIRD PARTY THAT IS NOT THE U.S. BANKRUPTCY COURTS WHIC IS VIOLATION OF MY FCRA RIGHTS SINCE THE THIRD PARTY BY THE NAME OF " XXXX '' ARE NOT THE DATA FURNISHER. I HAVE DISPUTED THIS INFORMATION WITH XXXX AND TRANSUNION AS NON VERIFIABLE AND THEY HAVE REFUSED TO REMOVE THESE ADVERSE RECORDS WHICH HAS HINDERED ME FROM OBTAINING CREDIT, A HOME AND SEVERELY DAMAGED MY REPUTATION.

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