vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX Lucky XXXX XXXX XXXX, MD XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Subject : Request for Verification or Deletion of Unverified Accounts FCRA Compliance Required To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am writing in regard to the following accounts that still appear on my credit report. These items remain unverified and, therefore, are being reported in violation of federal law.

According to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, I am requesting that you provide original documentation from the creditors specifically, contracts bearing my signature to verify the accuracy and legitimacy of each account listed below.

In previous correspondence and your investigation responses, you claimed that the accounts were verified and are reporting correctly. However, I have not been provided with any supporting documentation to confirm this. I also have not received the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA.

Under Section 611 ( 5 ) ( A ), you are legally obligated to promptly delete any information that can not be verified.

Failure to comply with these requirements may result in civil liability under Sections 616 and 617 of the FCRA. As a consumer, I am prepared to pursue all available legal remedies if my rights are not honored.

I am demanding immediate verification or deletion of the following accounts from my credit file : CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Please complete this investigation and respond in writing within the timeframe outlined under the FCRA. I expect these accounts to be either verified with proper documentation or removed from my credit report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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 am formally disputing the continued reporting of an account listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Experian credit report. 

This account is factually inaccurate and improperly validated. Specifically : 1. Chronological inconsistency : Experian reports collections from XX/XX/XXXX to XX/XX/XXXX, which is logically and factually impossible. 
XXXX. Lack of validation : I have received no legitimate evidence verifying the ownership, assignment, or legitimacy of the debt. 
XXXX. Inconsistent bureau reporting : The same account was recently deleted by TransUnion following my complaint to the CFPB ( Complaint # XXXX ). Their investigation concluded on XX/XX/XXXX, and confirmed that XXXX XXXX was removed due to insufficient verification. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Investigate and verify the accuracy of this entry within 30 days. 
- Delete or correct the entry if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
So I have made a payment every month but in XXXX I made an early payment which h I did not k ow was not allowed. The payment was for XXXX but since i.made it early it went as an extra payment for XXXX. I however did not k ow this until XXXX came and I got slapped with late fees and all kinds of nonesense. It has just snowballed from there. The refuse to let me speak with a supervisor and charge me late fees every month when impaling payments on time. Nobody will help me figure anything out. I just get put o. Hold for hrs or hing up on. I really just want my act back to normal but can't figure out how to do thatsince nobody will help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-06-08 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:
A business- ( XXXX XXXX XXXX  ) opened a credit card account with my ssn apparently without my consent. I found out a few months after I was layed off from that company. They are still in business and are not responding to any of my attempts to communicate. I did save the text message of them terminating me after I found out and agreeing to make payments. ( included documents below ) Also my name was used and connected to the business address without my consent. Now the account is delinquent and has destroyed my perfect payment history.

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 2025-06-08 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:
A business- ( XXXX XXXX XXXX ) opened a credit card account with my ssn apparently without my consent. I found out a few months after I was layed off from that company. They are still in business and are not responding to any of my attempts to communicate. I did save the text message of them terminating me after I found out and agreeing to make payments. ( included documents below ) Also my name was used and connected to the business address without my consent. Now the account is delinquent and has destroyed my perfect payment history.

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 2025-06-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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: Experian Information Solutions Inc.
State: FL

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 U.S.C. 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) : 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. 
Delete the accounts below : Experian : XXXX XXXX XXXX XXXX ( Automotive ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX MYJ XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Banking XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Advertising ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Banking ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Banking ) XX/XX/XXXX XXXX XXXX  ( Banking ) XX/XX/XXXX XXXX XXXX ( Automotive ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Chime Financial Inc
State: NM

Complaint narrative:
My credit card was stolen. Once I realized my card was missing and someone was charging on it I froze the card and called the police. In addition I called Chime who my card is with. The person continued tk try and use my card and my alerts told me where XXXX card was being used so I contacted police again and they arrested the person. Chime is saying my charges which are listed on the police report are not fraudulent and will not pay back the funds. I have tried to resolve this twice with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
This is my last hope, I have attached supporting documents.

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 2025-06-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-08 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: AL

Complaint narrative:
XX/XX/year>, I opened a dispute with Experian, after uploading supporting documents, from XXXX XXXX stating they will remove account from credit report once paid. Experian did not properly investigate this matter. XX/XX/year> they only updated my report to the statement settled 15 U.S. Code 1681i ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
I am submitting this complaint to address the failure of Equifax, Experian, and TransUnion to properly investigate my disputes concerning inaccurate negative entries on my credit report. Despite repeated efforts to correct these errors, the credit bureaus have responded with delay tactics rather than conducting the thorough investigation required under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate negative items have had a damaging impact on my credit score and have hindered my ability to obtain credit, leading to considerable stress and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
In accordance with the Fair Act Credit Reporting Act XXXX XXXX XXXX account XXXX have violated my rights. 

15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I checked my report this month and noticed another fraudulent account that I missed the last time I checked my credit. I immediately filed a police report and contacted the bureaus via mail to remove the account and block it from damaging my profile according to the FCRA, but they have not responded to my request. I am now reaching out to the CFPB for their assistance with this matter in hopes that they will be held accountable to do their job. The fraudulent account that I have disputed is XXXX XXXX XXXX Account Number XXXX Opened XX/XX/2025 and has a balance of {$380.00}. I have a right to have my profile accurate and since they have a account on my profile that is not legally mines then it is not accurate. I have included a copy of my ID for identification and a copy of the police report for the fraudulent account. Thanks 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 non-monetary relief
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint Request for Investigation and Deletion of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to formally dispute and request the immediate removal of a fraudulent account from my Equifax credit report. The account in question is : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX This account appears only on my Equifax report and is not present on my XXXX  or XXXX  reports. I did not apply for this credit card, nor did I authorize the opening of this account. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe my rights have been violated : 15 U.S.C 1681 Section 602 ( a ) : Affirms every consumers right to privacy with respect to the confidentiality and accuracy of personal financial information.

15 U.S.C 1681b ( Section 604 ( a ) ( 2 ) ) : States that a consumer reporting agency may only furnish a consumer report with written authorization from the consumer.

To date, I have not received any documentation or signature proving that I applied for or authorized the opening of this account. I therefore request that XXXX XXXX provide such documentation. If this can not be provided, I demand that the account be removed from my Equifax report immediately. 

I am a victim of identity theft. Someone has used my personal informationincluding my name, address, and Social Security Numberto fraudulently apply for credit accounts. In many cases, the perpetrator makes initial payments to avoid detection, then defaults, resulting in charge-offs that negatively impact my credit history. I have submitted multiple fraud disputes to my bank and can provide supporting documentation upon request.

This ongoing issue has caused significant harm to my credit score and financial well-being. I respectfully request that Equifax conduct a thorough reinvestigation of this account, and that XXXX XXXX validate the account with proper documentation, including my signed authorization. If validation can not be provided, I request the immediate deletion of this account from my Equifax credit report in accordance with the FCRA. 

Please confirm receipt of this complaint and inform me of the next steps. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief