vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: Ava Finance, Inc
State: FL

Complaint narrative:
I am writing to formally dispute the 30-day late payment that has been reported on my credit report for the account associated with [ XXXX ] and listed under my name. I believe this late payment mark is inaccurate as the bill was paid on time. 

After reviewing my payment records, I can confirm that the bill for [ XX/XX/year> of Payment ] was paid in full and on time. I kindly request that you investigate this matter and remove the inaccurate late payment entry from my credit report. 

Please provide me with written confirmation once the issue has been resolved and the late payment mark has been removed. 

I try to contact the company multiple times and their customer service is nonexistent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Requested direct deposit form for my savings account with USAA, lady said ok and then asked me about charges on my checking account, they were fraudulent and she ended up closing the checking account which was fine because the direct deposit was supposed to be for my savings per verbal request and verbal confirmation. The letter ended up being for my checking and I found out when my paycheck did not hit my account. I called my bank to let them know they sent the wrong letter and to request a new one, the lady assured me the check would bounce and id receive it soon. Soon came and I did not receive it so I called back and they let me know they did not flag the fraudulent charges and were instead holding onto my check to pay for them against my knowledge and consent and that itd be another 20 days till I received the shreds of what was left because it had to do with a closed account, no reversal was attempted. I am now dealing with late fees and taking credit hits as a result

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 2025-04-01 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: CA

Complaint narrative:
Im writing to address a serious issue Ive found on my credit report. There is an inquiry listed that was never made by me. This is clearly a case of fraudulent activity, and I need it resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-04-01 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-04-01 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: GA

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrec tPersonal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX, XXXXXXXX XXXX  - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit 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 2025-04-01 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: WA

Complaint narrative:
Hi the information on this account doesnt match mine my information DOB ssn full name

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 2025-04-01 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: WA

Complaint narrative:
Hi the information on this account doesnt match mine my information DOB ssn full name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: WA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute Sallie Maes response to my previous complaint regarding their harassing collection practices. Their claim that all calls were handled appropriately is blatantly false, and I find it deeply concerning that they refuse to acknowledge their inappropriate behavior. 1. Harassment of Myself and My Co-Signer : Despite my previous complaint, Sallie Maes representatives have continued to harass both my co-signer and me. A customer service representative even went as far as suggesting that I sell something to make my payments. This is an inappropriate and offensive suggestion, as it can be interpreted in highly unethical ways. This type of language is completely unacceptable for a financial institution and should be thoroughly investigated. 2. False Claim About Call Cessation : Sallie Mae stated that my loans defaulted on XX/XX/scrub> 2023, and that they have not contacted me since then. This is untrue. I have documented evidence, including call logs, showing that XXXX XXXX XXXX XXXX continued to contact me, my family members, and friends after the alleged cessation date. This constitutes a direct violation of fair debt collection practices. Given the seriousness of these issues, I am requesting the following : A full and transparent investigation into the conduct of Sallie Mae representatives, including a review of recorded calls related to my account. Written confirmation of the dates and recipients of all collection calls made by Sallie Mae after XX/XX/year>2023. A reconsideration of my request for monetary compensation due to the emotional distress and harassment I have endured. Additionally, I am seeking legal counsel to address these violations, as I believe this conduct may warrant further legal action. If Sallie Mae does not resolve this matter appropriately, I intend to escalate my complaint to additional consumer protection agencies and explore potential legal remedies. I expect a formal and detailed response to this complaint. Please provide a resolution within a reasonable timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrec tPersonal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX, XXXXXXXX XXXX  - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: WA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal

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 2025-04-01 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: IL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-01 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 2025-04-01 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I got a lease back in XX/XX/2024, when I got my lease, they stated that this would help my credit. But I have pulled all three credit bureaus, and they are not reporting it. I make my payment on time every month, hoping to build my credit. My lease is through ally financial. I have reported it to the company I got my lease from and ally financial, but neither of them are fixing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Fraudulent Accounts and Violation of FCRA Rights Dear Experian Dispute Department, I am formally disputing the fraudulent accounts that have been reported on my credit file with your agency. The accounts in question are : XXXX XXXX, Account Number : XXXX XXXXXXXX XXXX XXXX, Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681c-2, I have the right to request a block of fraudulent accounts resulting from identity theft. Despite my request, Experian has refused to permanently delete these fraudulent accounts, stating that they have been verified and updated. However, Experian has failed to provide any substantive proof or documentation of such verification.

Furthermore, the refusal to block these accounts violates 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation into disputed information. Merely restating that an account has been verified, without providing evidence, does not constitute a reasonable investigation under the law. 

Additionally, it is a blatant conflict of interest that Experian, along with other credit reporting agencies, financially benefits from retaining negative information on consumers credit reports. This practice unjustly harms consumers and raises concerns about fair and impartial credit reporting. 

The presence of these fraudulent accounts is causing me significant harm, including but not limited to negative credit impacts, financial distress, and potential denial of credit opportunities. I demand that Experian immediately and permanently delete these fraudulent accounts from my credit report in compliance with FCRA regulations. Failure to do so will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring legal action. 

I expect a written response confirming the removal of these fraudulent accounts within the legally required timeframe. Please consider this my formal dispute and demand for correction under my rights as a consumer. 

Sincerely, 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am being defined for credit cards because of too many acres and inaccurate information on Credit. I have already contacted these companies and investigation report. They basically told me I had to make a report complaint to for them to remove the inquiries off my car report they have told me lies about there was nothing on my credit report and they tell me that there is stuff on my credit report so I need to help with investigation with Tranuion and XXXX XXXX because right now my credit scores are in XXXX and I should not be getting denied for a credit card so I need help I am a victim of fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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