vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: PR

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT XXXX XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-09-01 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: IL

Complaint narrative:
This complaint is being filed regarding Experians ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. Despite a dispute submitted on XX/XX/XXXX, Experian continues to report inaccurate and unverifiable information on my credit file, including faulty inquiries, unverified derogatory accounts, and inconsistent personal identifiers. 

Details of the Issue : My dispute instructed Experian to retain only accurate, verifiable, and Metro 2compliant information and to delete any unverifiable or inconsistent items. 

Experian continues to report multiple inquiries that lack proof of permissible purpose, including 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian also reports inaccurate account history, including XXXX XXXX XXXX XXXX showing late payments that are inconsistent with Metro 2 reporting standards. 

Additionally, Experian is publishing incorrect personal identifiers ( outdated names, addresses, and employer information ), despite clear instructions to delete them. 

Supporting Facts : I provided my accurate identifiers ( name, XXXX, XXXX, address ) and directed Experian to remove all unverifiable identifiers. They continue to report outdated and mismatched data. 

The disputed inquiries and tradelines remain on my report even though Experian has not proven Metro 2 compliance or permissible purpose.

Metro 2 requires accurate and certified reporting across all bureaus, which Experian has failed to meet. 

These actions demonstrate willful noncompliance with the FCRA ( 15 U.S.C. 1681 ).

Harm : Experians reporting failures have caused me : Denial of credit opportunities Higher borrowing costs Ongoing financial and reputational harm

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I am being pursued by Merchants Credit Guide Company for XXXX medical debts ( {$430.00} and {$250.00} ) connected to an injury I sustained in XX/XX/XXXX. I was given a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, my employer at the time. That injection caused an XXXX XXXX XXXX XXXX XXXX XXXX which required hospitalization, XXXX XXXX XXXX and multi-day treatment at hospitals affiliated with XXXX XXXX. 

I received a debt verification letter from Merchants Credit Guide on XX/XX/XXXX. I mailed a negotiation/dispute letter on XX/XX/XXXX. I have received no response as of this filing. This appears to violate the Fair Debt Collection Practices Act, which requires collectors to respond to disputes and halt collection activity until resolved. 

The debt is related to a provider-caused injury, not elective or unpaid care. I have attempted to resolve this matter directly with Duly and the hospitals, but they declined to help. I am requesting that the CFPB review Merchants Credit Guides handling of this account and ensure no credit reporting occurs while it remains unresolved.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me XXXX XXXX wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Avant is misrepresenting my account and damaging my credit. THIS IS NOT A DUPLICATE COMPLAINT. 

The original agreement is labeled as a loan, but under TILA and UCC it functions as a consumer credit transaction, not an actual loan of Avants pre-existing funds. The Truth in Lending disclosure box even states : This is the cost of your credit as a yearly rate. That confirms it was my credit that was monetized, not Avants assets. No lawful consideration was provided, meaning the note I signed was the actual asset Avant booked. I was never given full disclosure of this fact, nor of my rights under the UCC, which constitutes misrepresentation under TILA.

The contract is structured as a promissory note meeting UCC 3-104 ( a negotiable instrument ), yet Avant inserted language claiming : This Note is not a negotiable instrument. At the same time, Avant reserved the right to assign or sell the note while stripping me of defenses like presentment and notice of dishonor. This is deceptive and misleading a deliberate contradiction designed to obscure my rights.

Despite these defects, Avant continues to report the account as an installment loan. The account was later charged off, but no IRS Form 1099-C was issued as required under 26 U.S.C. 6050P. If it was cancelled, Avant failed to meet IRS reporting requirements ; if it was not cancelled, then charge-off is a false and misleading status. Either way, the reporting is inaccurate under the FCRA.

Avant dismissed my dispute as duplicate, but this is the first time I raised these consumer credit transaction issues. They have never provided proof of consideration, a copy of the monetization of the note, or IRS cancellation documentation. Instead, they continue furnishing inconsistent, damaging information to Experian and TransUnion.

This is a violation of : FCRA inaccurate reporting and failure to reasonably investigate disputes.

TILA misrepresentation and lack of disclosure of credit terms.

UDAAP unfair and deceptive practices by treating a consumer credit transaction as a loan and double-dipping on charges.

Avants misrepresentation of the nature of this account, their contradictory contract language, their failure to provide proper documentation, and their continued reporting of a charged-off balance are unlawful and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NV

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the account listed below. I am firmly convinced that the reporting of these account is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent effort to recall any interactions with this account, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported item. This is the account that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Added two car loans onto my credit report after the original XXXX I was going to buy the battery blew up and they offered me another vehicle in exchange for the broken one. And then proceeded to withdraw the loan on their end but it never left my credit report to this day. And this was in XXXX. It is now late XXXX and my credit says Im XXXX in debt. When I bought a XXXX dollar XXXX. It tanked my credit from mid XXXX down to below XXXX. No one answered my calls theyre all ignoring me. Very upset at this dealership. I need this resolved before I call the FCRA. XXXX was the one that was supposedly remediating this situation for me and he ignores my calls and texts as well. For weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

Complaint narrative:
Added two car loans onto my credit report after the original XXXX I was going to buy the battery blew up and they offered me another vehicle in exchange for the broken one. And then proceeded to withdraw the loan on their end but it never left my credit report to this day. And this was in XXXX. It is now late XXXX and my credit says Im XXXX in debt. When I bought a XXXX dollar XXXX. It tanked my credit from mid XXXX down to below XXXX. No one answered my calls theyre all ignoring me. Very upset at this dealership. I need this resolved before I call the FCRA. XXXX was the one that was supposedly remediating this situation for me and he ignores my calls and texts as well. For weeks now.

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Cease and Desist Violation of My Rights Under Federal Law To Whom It May Concern, I am writing to place you on formal notice that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable federal statutes.

Specifically, I reference the following statutes : 15 U.S.C. 1681n ( a ) ( 1 ) Civil liability for willful noncompliance.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of information. 15 U.S.C. 1681c-2 Right to block information resulting from identity theft.

15 U.S.C. 1638 Requirement of accurate disclosure of credit terms.

15 U.S.C. 1602 Definitions regarding credit transactions.

15 U.S.C. 15 ( c ) ( g ) Prohibitions on unfair and deceptive practices. I hereby demand that Equifax : 1. C
ease and desist from reporting, publishing, or otherwise distributing inaccurate or unverifiable information related to my consumer report.

2. Immediately conduct a reasonable reinvestigation of all disputed items in my credit file and provide written verification of their accuracy.

3. Remove all inaccurate, unverifiable, and outdated entries from my credit file.

4. Provide me with written confirmation of the actions taken in compliance with this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: OK

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 2025-09-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-01 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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