vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX auto installment account ( tradeline beginning XXXX ) was paid/closed with a {$26000.00} payoff ; TU shows Payment received {$26000.00}, Last Payment XX/XX/XXXX, and Pay Status Paid, Closed ; was Paid as agreed. Yet the month grid immediately before closure shows consecutive 30-day lates for XXXX XXXX while the same rows display XXXX Balance/Past Due/Amount Paid/Scheduled Payment. There are additional gaps in XXXX with No Data but sporadic 30, and the Terms field reads {$0.00} per month for 72 months, which is impossible for an installment loan. These contradictions violate FCRA 1681e ( b ) s maximum-accuracy standard and Metro 2 consistency ( Payment History must align with Past Due/Actual/Scheduled ; proper installment fields must be used ). I ask TU to remove the unsupported XXXX XXXX XXXX codes, correct Terms/field mapping, and ensure the line reflects Paid/Closed {$0.00} ; if XXXX can not substantiate each field, delete the tradeline.

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 2025-09-26 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-26 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: OH

Complaint narrative:
Upon review of my credit reports, I have identified numerous violations that demand immediate investigation and correction : Balance & Status Conflict : The account is reported with a {$0.00} balance, yet Experian lists the account as a charge-off/collection. A charge-off requires a balance owed. Reporting a {$0.00} balance with a derogatory charge-off status is factually impossible and materially misleading. 


Payment Reporting Inconsistency : The account shows a $ 0 monthly payment, yet is simultaneously reported as an open installment loan. An installment loan can not remain open with no monthly payment obligation. This is contradictory reporting. 


Derogatory & Bankruptcy Reporting Conflict : Experian lists the account as Debt included in or XXXX through XXXX XXXX XXXXXX/XX/XXXX. If XXXX, the account must be reported as {$0.00} balance, closed, and included in bankruptcynot derogatory, charged-off, or open. Maintaining multiple statuses violates FCRA 1681e ( b ) ( failure to assure maximum possible accuracy ). 


Re-aging / Date Manipulation : The account shows Date of Last Payment as XX/XX/XXXX, yet also lists an open/active status reported as of XX/XX/XXXX with a balance of {$0.00}. Updating an account with false or misleading activity dates constitutes illegal re-aging, a direct violation of the FCRA. 


Contradictory Notations : Account information disputed by consumer, meets FCRA requirements. 


Customer disputed account reported by subscriber. 


Unpaid balance reported as a loss by credit grantor.

Debt included in or discharged through XXXX. 


These contradictory remarks can not simultaneously be accurate. Reporting multiple, conflicting statuses is a material misrepresentation and a violation of FCRA 1681i ( a ) ( failure to conduct reasonable reinvestigation ).

Demand for Action : Under FCRA 1681i and 1681s-2 ( b ), I demand
that each CRA conduct a full reinvestigation of this account and provide written verification of its accuracy. If XXXX XXXX can not substantiate the reporting with complete, accurate, and verifiable documentation, the account must be deleted immediately from my credit file.

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 2025-09-26 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies and unauthorized activity on my credit report that have caused significant harm to my creditworthiness and financial stability. These issues violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681e ( b ), 1681b, and 1681i. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> These inquiries are not only inaccurate but have been harming my credit score and ability to secure legitimate financial products. Reporting inquiries without my consent constitutes willful noncompliance with FCRA 1681b and subjects the reporting entities to legal accountability. 
I demand the immediate investigation and removal of the inaccurate address and all unauthorized credit inquiries. I request written confirmation of all actions taken to correct my credit file under FCRA 611. Continued reporting of these inaccuracies may result in further escalation, including civil liability for noncompliance under FCRA 1681n and 1681o.

I expect full enforcement of my rights, immediate correction of these issues, and assurance that my credit report will reflect only accurate, authorized information.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-09-26 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$35000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-26 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: MT

Complaint narrative:
I received many emails that said my Avant Credit card was over due and that i needed to make a payment or I was going to go into deliquency. This was in XX/XX/year>. I called them immediately and explained i had XXXX XXXX XXXX  in XXXX and that finances were tough. I also said that my Mother was kind enough to send a check to make they payment and furthermore pay it in full. She did and sent it to the address and with the information that they told me over the phone to include on the check. She made the check out on XX/XX/year> and sent it on the same date. We received confirmation for my mother 's bank that stated their company cashed the check and that it cleared on XX/XX/year>. Since then my app continues to show no payment was made, interest and late fee charges cont to show and mult emails cont to be sent to me asking that I make a payment. Ive called Avant multiple times since then asking for resolution and nothing has been done nor changed. Finally I was told to send an attachment of the photo copy of the cashed check to their payment dept with explanation. I did that immediately. I have followed up with that email and all i have received is they got the email and forwarded it to the correct dept and if they needed further information they would contact me. Nothing has been done and its now the XXXX of XXXX My credit score is suffering because of this, and im unable to use the card and I could be going into deliquency despite my many attempts of trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am a victim of identity theft. LVNV Funding, LLC is attempting to collect on accounts that I did not open and never authorized. I never applied for credit with LVNV or the original creditor, and I never permitted my personal information to be used for these accounts. I have no legal or contractual relationship with LVNV, and they do not have my signature on any documents.

Despite disputing the accounts as fraudulent, LVNV/Resurgent continues reporting these tradelines to the credit bureaus. These accounts are the result of identity theft, and I request their immediate removal from my credit reports and that all collection activity cease. 


Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting the immediate blocking and permanent removal of this fraudulent account from my credit reports. The law requires that consumer reporting agencies must block such information within four business days of receiving : Proof of the consumers identity ; A copy of an Identity Theft Report filed with the FTC ( IdentityTheft.gov ) or law enforcement ; The consumers identification of the disputed information ; and A statement that the information does not relate to any transaction by the consumer.

I am enclosing the following documents as required : A copy of my FTC Identity Theft Report ( filed at IdentityTheft.gov ) A copy of the credit report highlighting the fraudulent account Details of the Disputed Account : Creditor/Collection Agency : LVNV Account Number : [ Insert Account # ] XXXX Date Opened : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}, {$470.00}, {$450.00} This account is fraudulent, was opened without my authorization, and is causing significant harm to my creditworthiness and financial reputation. I did not authorize or participate in this account, and therefore demand that it be blocked and removed from my credit files at XXXX XXXX XXXX XXXX in accordance with FCRA 605B. 


Please provide me with written confirmation once the account has been removed, and confirm that no further reporting of this fraudulent item will occur. 



Thank you for your prompt attention to this serious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received a response on COMPLAINT ID XXXX that it was closed but I never even received a response from them on their representatives behavior or their bad business practices. They stated they reached out on XX/XX/year> but that is false. WELLS FARGO DOES NOT CARE ABOUT THEIR CUSTOMERS!

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-26 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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent accounts and unauthorized hard inquiries from my credit report. I am a verified victim of the XXXX Data Breach, and as a result, my personal information has been compromised and used fraudulently to open accounts without my authorization.

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 2025-09-26 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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