vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
Complaint Regarding Unverified Debts Reported by Debt Collectors Dear CFPB Representative, I am writing to formally file a complaint against the following debt collectors reporting accounts on my credit report. These accounts appear under the collections section of my Experian report. 

Accounts in Question : XXXX XXXX XXXX Account Number : XXXX Balance : {$870.00} Date Opened : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$1800.00} Date Opened : XX/XX/year> I have requested that these companies validate these debts in writing and provide documentation proving that : They have the right to collect this debt. 
The debt is mine and the amount is correct. 
They are reporting accurate and verified information to the credit bureaus. 

To date, they have not provided adequate validation, yet they continue to report these accounts to the credit reporting agencies, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB to investigate this matter and require the companies to either provide proper validation of these debts or remove the accounts from my credit reports. 

Please let me know if you need any additional information from me to proceed with this complaint. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 non-monetary relief
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
Complaint Regarding Unverified Debts Reported by Debt Collectors Dear CFPB Representative, I am writing to formally file a complaint against the following debt collectors reporting accounts on my credit report. These accounts appear under the collections section of my Experian report. 

Accounts in Question : XXXX XXXX XXXX Account Number : XXXX Balance : {$870.00} Date Opened : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$1800.00} Date Opened : XX/XX/year> I have requested that these companies validate these debts in writing and provide documentation proving that : They have the right to collect this debt. 
The debt is mine and the amount is correct. 
They are reporting accurate and verified information to the credit bureaus. 

To date, they have not provided adequate validation, yet they continue to report these accounts to the credit reporting agencies, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I am requesting the CFPB to investigate this matter and require the companies to either provide proper validation of these debts or remove the accounts from my credit reports. 

Please let me know if you need any additional information from me to proceed with this complaint. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I checked my credit report and found fraudulent hard inquiries. I need help resolving this issue as soon as possible. Thank you. 
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 2025-07-15 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:
Hi my name is XXXX XXXX, I checked my credit report and found fraudulent hard inquiries. I need help resolving this issue as soon as possible. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
On XX/XX/year>, bank of America 's fraud detection system prevented XXXX from charging my account for inventory, for my business. I was in line for over a month. As a result, XXXX canceled my order. The products are collectible items and will not be released again. In the last 10 months, there has been too many freezes on transactions, none of which is plausible. I've lost over $ XXXX in market value for these products. I rely heavily on my business due to my health. XXXX a quadriplegic and I lose many XXXX benefits and healthcare if I don't sell through my digital store.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that is currently being reported on my credit profile. I have already contacted the relevant credit reporting agency/agencies and the furnisher of the data, but the matter remains unresolved. The inaccurate item ( XXXX ) include : Creditor Name : Transworld Systems Inc. Account Number ( if available ) : Description of Error : on my credit report that i have a balance for resident that I didn't in showing on my credit report as being inaccurate, ask could it be removed. This information is incorrect, and its continued presence on my credit report is negatively affecting my creditworthiness. I have enclosed my address which substantiates my claim. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and take appropriate action to ensure the removal or correction of the inaccurate information. Please confirm receipt of this letter and inform me of any updates or steps I may need to take in the resolution process. Thank you for your attention to this important matter. I appreciate your help in protecting the accuracy of my credit file. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I made a down payment to XXXX XXXX for a down payment of {$1000.00} on my credit card and then shortly after. There was a dispute filed on my account by their system or their employee. This was resolved and then charged back to my account. My original charge was done on XX/XX/XXXX and then shortly after that my account was reflecting a XXXX available credit. Im thinking there was some form of reward for why I received that {$1000.00} back to my account. Complaint after complaint has been filed, which has been a bandaid on the account. My account was put back to normal and then it was back to where my account is still owing {$1000.00} and over the limit charges. Supervisor after Supervisor and nothing is changing the fact that my account should have not been tampered with. I didnt authorize any disputes of any kind. Nor was there a phone call made when this dispute was initiated. This is fraud and I should not be responsible for any of this. Just seems like Im going around in circles and being told, we are escalating this issue and this has been going on for months now. Here we are in XXXX and this is still not resolved. Now Im being told if I dont make a payment they will report me to the credit bureau when I have 99 % on time payment history. I didnt ask for any of this to happen to my account and I should not be financially responsible. Avant needs to take ownership and write off this issue because its there system or someone that works there that has created this problem to my brand new account. This company Avant has the audacity to have me in collections for something thats systematically there problem and the last Supervisor I spoke with XXXX, her approach to me as a consumer on this just not welcoming and the supervisors working there sometimes are insensitive and does not the consumer best interest at XXXX, when the consumer is keeping this company and their staff employed, the level of respect just seems very inappropriate and the consumer as my self doesnt feel like Im taken care of in good will. I was told the {$1000.00} would be given back to me, it was but then they took away, 2 to 3 weeks later its was back so there is no good will from the company nor to the customer. Every time I ask for a supervisor I sit on for 30 minutes for them to come and say there is no supervisor and then I am on extended holds which are beyond the normal. I have to say I wont get off the line until I speak with a supervisor and then magically the supervisor is relatively available. I am very upset about this matter because now I feel like this company is trying to affect my livelihood regarding this account. My credit is good and has been for some time now. Please evaluate this company because they have some integrity issues. Please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
There is an account called XXXX XXXX and they keep charging my car. I called them about four times. I called chime and told them to stop the payments too cause I dont have an account with them. I never spent with them nothing and theyre still taking payments on my account till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit reports reflect inconsistent and inaccurate personal information across the major credit bureaus, specifically with Experian and XXXX. Experian lists my name as " XXXX XXXX '' and an outdated address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Meanwhile, XXXX reports my name as " XXXX XXXX XXXX, '' which is my full and legally correct name. These discrepancies cause confusion for creditors and lenders who rely on accurate identity data when evaluating my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in their consumer files. This includes correct identification information like my legal name and current address. The conflicting names and outdated address violate this mandate, undermining my right to have an accurate and complete credit file. 

The inconsistencies are causing me real hardship : I have been denied or delayed credit applications due to uncertainty about my identity. The mismatched information risks fraudulent activity and incorrect credit decisions against me, jeopardizing my financial stability and peace of mind. These ongoing errors demonstrate the bureaus failure to follow reasonable procedures to verify and update my personal information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: KY

Complaint narrative:
Direct express locked my card up I have done everything they have told me to do and email them verification so they said they had to mail me another card never got it so I had to call back stay on hold for over 4 hours still didnt answer so had call again finally got a hold of them and had to get a card rushed to me and got charged for it when I received my card I called to activate it there telling me I have to email verify again for XXXX time I have been acted hateful to and dont care that I need my money for bills and they dont even care Ive got hung up on direct express is a joke they dont care for anyone or anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-15 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX credit card XXXX XXXX ) reported in XX/XX/XXXX with a balance of {$5700.00}, and a XXXX XXXX XXXX XXXX account ( XXXX ) reported in XX/XX/XXXX with a balance of $ XXXXthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$5700.00}, and a collection account from XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$700.00}. These accounts have caused several fraudulent hard inquiries and collections to appear on my credit report. I demand that these items be immediately removed from all of my consumer credit reports and that all related collection activity cease, pursuant to my rights under the FCRA and FDCPA.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation