vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE
State: NJ

Complaint narrative:
Avante USA repeatedly tried to contact me, since I stopped answering their calls, they began contacting my parents.

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

Complaint narrative:
Subject : Dispute of Inaccurate, Misleading, and Unverifiable Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Reported Credit Limit : {$3000.00} Reported Balance : {$3500.00} Date of Last Payment : XX/XX/XXXX Status : Charge-off Updated XX/XX/XXXX I. Grounds for Dispute and Violations Balance Above Credit Limit Without Itemization Credit limit is {$3000.00}, yet balance is reported at {$3500.00} without any itemized record of fees, interest, or other charges to justify the excess. 

This is incomplete and potentially inflated reporting, violating FCRA 1681e ( b ) and 1681i ( a ). 

Continuous Charge-Off Status for Multiple Years Reporting CO ( charge-off ) status for years after the initial charge-off creates the false impression of ongoing delinquency. 

Charge-off is a one-time event, not an ongoing monthly status. 

This is misleading under FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 

No Proof of Ownership or Assignment XXXX XXXX has not provided documentation proving ownership of the alleged debt or the validity of the reported balance. 

Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be deleted.

Improper Re-Aging of the Account This account has been repeatedly updated to appear more recent than it is, which can extend its reporting period in violation of FCRA 1681c ( a ) ( 4 ) and FTC guidance. 

I have disputed this account multiple times, yet XXXX XXXX and the CRAs have willfully failed to correct it.

COVID-19 CARES Act Reporting Violations During the COVID-19 emergency, creditors who made payment accommodations were prohibited from reporting accounts as delinquent. 

If this account reflects activity during that period, negative reporting would violate the CARES Act ( Pub. L. 116-136, Section 4021 ), which amended the FCRA.

Lack of Required Account Details The Original Creditor and Company Sold fields are blank, and the Terms field is missing.

Missing data that affects the completeness of the report violates FCRA 1681e ( b ).

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 2025-08-06 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: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
THERE IS INACCURATE INFORMATION ON MY CREDIT REPORT AND FRAUDULENT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I disputed the issue through XXXX XXXX at least XXXX times and both times it came back the company verified it as correct. Advance America is showing a payday loan taken out by me in XX/XX/year> and I have not taken out a payday loan or dealt with that company in over XXXX  years. I cant provide proof that I didnt but I know they cant provide proof I did with that date. I was incarcerated and defaulted on a few loans/debts due to that. It looks like I just took out a loan and then didnt pay it very recent and that is completely false. Does the company have documentation dated for XXXX? Its not correct. I am trying to build back up from when all of that happened and its difficult enough without false information being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report must contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with GS BANK or any of the affiliates. I have confirmed and advised GS BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how GS BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that GS BANK has the right to investigate and obtain all necessary information prior to approving any credits, GS BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, GS BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of XXXX  along with the Federal laws that GS BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to GS BANK 's online advertisement, GS BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from GS BANK stating that my information was used or attempted to be used in order to open an account. Thus, GS BANK has failed its duty, under XXXX consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, GS BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under XXXXXXXX XXXX XXXX XXXX XXXX and approval under misrepresented information and/or documentations. With that said, I am requesting for GS BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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

Complaint narrative:
I am writing to formally dispute the reporting of accounts that appear on my credit report under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts, and their presence is both inaccurate and misleading. 

This is a serious breach of my personal credit history and has caused considerable concern. I respectfully request a thorough investigation into these accounts, including identification of the entity that reported them.

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 2025-08-06 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-06 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and FCRA Violations To Whom It May Concern, I am writing to dispute inaccurate information on my credit report and request investigation of potential Fair Credit Reporting Act ( FCRA ) violations. The following issues require urgent attention : Outdated Account Status Multiple accounts closed years ago continue to be reported with misleading status indicators : Capital One credit card ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX but bears a " written off '' notation and dispute commentary unrelated to current status. 

XXXX XXXX XXXX ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX yet references a XX/XX/XXXX dispute update. 

XXXX XXXX XXXX ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX but shows a XX/XX/XXXX dispute update. 

FCRA Violations Section 623 ( a ) ( 5 ) : Furnishers failed to correct obsolete information despite account closure dates. 

Identity Exposure Risk : Maintaining dispute flags on long-closed accounts unnecessarily exposes my financial history and increases identity theft vulnerability. 

Specific Concerns Dispute notations ( " reinvestigation info '' ) added in XX/XX/XXXX to accounts closed XXXX years prior create chronological inconsistencies. 

" Written off '' designation on the Capital One account implies unresolved debt despite closure.

Retention of dispute history on obsolete accounts serves no legitimate purpose under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
In XXXX, following XXXX hardship, I entered a forbearance agreement with XXXX Mortgage XXXX I was told the missed payments would be moved to the end of the loan and forgiven or deferred without penalty. Instead, XXXX used the unpaid balance to justify a loan modification. 

On XX/XX/XXXX, I signed a loan modification agreement that set my new balance at {$140000.00}. The monthly payment was {$1000.00}, and escrow was included. This modification was supposed to resolve all prior delinquencies. 

Despite entering into this modification, XXXX continued charging attorney fees and foreclosure-related costs, even though I was actively trying to keep my loan in good standing. These charges appeared on statements while I was still under modification review and even after the agreement was executed. 

In XX/XX/XXXX, they forced an escrow account and added {$20000.00} in " escrow shortage, '' nearly doubling my payment to {$2100.00}. In XXXX alone, they collected {$26000.00} in escrow, yet claimed my escrow account was still negative and demanded more, with no justification. 

In XX/XX/XXXX, XXXX reversed XXXX payments totaling {$5200.00}, citing a returned check but I was never notified, and the money was never returned. These payments were previously shown as received on earlier statements. After reversing them, XXXX added the total back into the principal, inflating the balance further. 

By XX/XX/XXXX, my balance had grown to {$170000.00}, and by XX/XX/XXXX, it showed {$170000.00} nearly {$30000.00} higher than my modified balance. Meanwhile, my XXXX  credit report now shows {$180000.00} owed, and lists me as XXXX  days past due, including months I paid. 

On XX/XX/XXXX, I sent a {$14000.00} check to reinstate the loan, which should have brought everything current. XXXX returned it without explanation. I received no clear payoff, no reinstatement instructions, and no valid reason for refusing the funds. Theyve also charged over {$1400.00} in foreclosure fees, without serving a notice of default or proving lawful grounds. 

Since XX/XX/XXXX, Ive submitted multiple written requests asking for : Escrow breakdown and full accounting Complete payment and transaction history Justification for the principal balance increases Details regarding the reversed payments Valid payoff and reinstatement figures Carringtons responses have been incomplete, inconsistent, and evasive. Their records contradict themselves. They continue reporting inaccurate delinquency and inflated balances to XXXX  XXXX, damaging my credit and making it harder to resolve this issue. 

I never stopped paying to avoid responsibility I stopped because XXXX XXXX is unverifiable, and I was denied a fair chance to reinstate my loan. Their actions have caused financial, legal, and emotional harm, and I am still fighting to get answers and save my home.

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

Complaint narrative:
In XX/XX/XXXX, I reported fraudulent charges to XXXX XXXX  and requested the responsible vendor be blocked. At the same time, I visited a branch in person to set up an ACH auto-payment plan specifically to ensure no payments were ever missed. 

Despite these actions, the bank failed to block the vendor, failed to correctly process the authorized ACH payment, and subsequently reported my account as " XXXX  Days Late '' to all credit bureaus over an erroneous past-due amount of approximately {$8.00}. 

I have attempted to resolve this multiple times. On XX/XX/XXXX, I spent over an hour on the phone with a bank representative to file a fraud claim for the XXXX  time, receiving claim number XXXX. 

Following my complaints, XXXX XXXX  has taken punitive and deceptive actions. They closed the credit  card account and have since removed it entirely from my online banking portal, making it impossible for me to access the account 's history or statements. 

As of XX/XX/XXXX, the false delinquency report has caused my credit score to drop by XXXX points. Furthermore, XXXX XXXX  has taken adverse action against me based on this false information by slashing my credit limit from {$11000.00} down to {$500.00}. The bank continues to hold me liable for the fraudulent charges while actively concealing the account information from me.

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

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX XXXX XX/XX/XXXXXXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX XXXX XX/XX/XXXXXXXX. These accounts are not related to any transactions made by me, 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unjust restriction placed on my savings account and the lack of support I have received in resolving this issue. 

I opened a savings account with Ally Bank on XX/XX/year>, at XXXX PM, after completing all necessary documentation, providing all required information, and setting up security questions and answers. 

On XX/XX/year>, at approximately XXXX AM, I activated XXXX using my email ( XXXX ). To confirm it was working correctly, I successfully completed a {$200.00} transfer from XXXX of my other bank accounts. That same day at XXXX AM, I also initiated a {$540.00} transfer from XXXX XXXX  XXXX XXXX account, which was successfully credited to my Ally account on XX/XX/year>. 

However, on XX/XX/year>, I attempted to send {$50.00} via XXXX and was unexpectedly restricted from using the service. I was instructed to contact your support team. I called immediately and remained on hold for over XXXX minutes without assistance. As a result, I was unable to access my funds and was financially stranded for the day. 

On XX/XX/year>, I called again and was connected to an associate. I correctly answered all the security questions presented, yet the associate stated that she was unable to verify the phone number associated with my account. She then abruptly ended the call without offering any solution or next steps. 

Following this, I attempted to withdraw the full balance of my account due to the unresolved XXXX issue. Instead, my account was completely restricted. I now have no access to my funds, and despite repeated calls and emails, I have received no assistance or response. 

This experience has been deeply frustrating, financially disruptive, and unacceptable. I believe I have fulfilled all obligations as a legitimate account holder, yet I am being denied access to my own funds with no clear explanation or path to resolution. 

I am requesting an immediate review of my case, the removal of the restriction on my account, and restoration of access to my funds. I also expect a formal explanation for the actions taken on my account and why I have been unable to receive timely support.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed this several times never has this ben validated and no paperwork or info has been provided to me to verify, Account can not be 60 days late if XXXX and XXXX were Ok. 

I am disputing an inaccurate and unverifiable 60-day late payment being reported by TransUnion for an account with XXXX XXXX XXXX XXXX Acct # XXXX ). 

This account is marked as Paid, Closed, yet still shows a derogatory 60-day delinquency from XX/XX/2022. I previously disputed this, and the credit bureau stated it was verified, yet I received no documentation from the creditor. 

Under FCRA 611, 609, and 607 ( b ), and UCC 3-501, I request validation or removal. The continued reporting of unverifiable derogatory data is a violation of federal consumer protection laws. 

I respectfully request CFPB assistance in compelling the bureau and furnisher to remove or fully validate this entry with complete documentation.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed this several times never has this ben validated and no paperwork or info has been provided to me to verify, Account can not be 60 days late if XXXX and XXXX were Ok. 

I am disputing an inaccurate and unverifiable 60-day late payment being reported by TransUnion for an account with XXXX XXXX XXXX XXXX Acct # XXXX ). 

This account is marked as Paid, Closed, yet still shows a derogatory 60-day delinquency from XX/XX/2022. I previously disputed this, and the credit bureau stated it was verified, yet I received no documentation from the creditor. 

Under FCRA 611, 609, and 607 ( b ), and UCC 3-501, I request validation or removal. The continued reporting of unverifiable derogatory data is a violation of federal consumer protection laws. 

I respectfully request CFPB assistance in compelling the bureau and furnisher to remove or fully validate this entry with complete documentation.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation