vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: VA

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 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: AL

Complaint narrative:
I disputed that account several thimbles and they keep updating it as paid as agreed verify as accurate if its verified as accurate why is it different between the XXXX different credit bureaus and if this has already deleted it make it make sense is either accurate or inaccurate black or white aint no in between

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 2025-03-03 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: AR

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I filed my initial complaint on or about XXXX XX/XX/year>. Complaint No. XXXX. On or about XX/XX/year>, AVANT provided its response but failed to explain the issue in question. If late fees were removed from the account why I was forced to make a minimum payment due that included late fees? XXXX payment was late and the payment was made in XXXX. Avant confirmed the removal of late fees but forced me to make a payment in XXXX which included late fees. I spent nearly XXXX hours on the phone with a customer service representative who failed to provide clear explanations and refused to connect to a supervisor saying he or she was not available. I decided to pay off the balance and close the account. AVANT 's response to the previous complaint ( Exhibit XXXX ) explained that a " late fee in the amount of {$39.00} was assessed to their account. Per XXXX XXXX 's request, on XX/XX/year>, an email titled " Your AvantCard Late Fee Waiver Update '' was sent advising that their request to have their late fee waived was approved. The late fee of {$39.00} was credited and will be reflected on their XX/XX/year> billing statement. This did not affect the Total Minimum Payment Due, which is calculated at the end of each billing cycle and can not be changed. '' The total due for XXXX was {$150.00}. This amount consists of a past due amount of {$55.00} ( paid ), {$39.00} ( interest charged ) and {$39.00} late fees, and a minimum payment due of {$94.00}. My question is why minimum payment due still include late fees? I did not get an explanation from AVANT. Why minimum payment due nearly doubled compared to the XXXX payment IF late fees were removed? ( XXXX statement attached as Exhibit XXXX ). Why did Avant consider this a fair billing practice? Now, AVANT is posting additional fees to the account that is closed and paid off without any explanation of how the interest is calculated. I specifically requested to close the account and pay off the total balance due. If the late fee was " credited '' to the account why I was forced to pay it? Customer service failed to explain in a clear manner how the minimum payment for XXXX was calculated ( several different customer service representatives ). There were no additional purchases made on the card. The minimum payment due included late fees. Additionally, I need an explanation of how additional interest is calculated on the closed account with the paid-off balance. It seems that the billing statements lack clear explanations as well as customer service. None of my questions were answered by AVANT in response to my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer, Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against Experian concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite providing supporting documentation that substantiated my claim, they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they provide. In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of Experian may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. Moreover, I am concerned about my privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. Despite my attempts to resolve this issue directly with Experian through email and certified mail, my concerns remain unaddressed. I urge the CFPB to investigate this matter, ensuring that Transunion is held accountable for its obligations under the relevant statutes. Thank you for your attention to this complaint. I look forward to your response regarding the steps that can be taken to rectify this situation.

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 2025-03-03 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: IL

Complaint narrative:
Immediate Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX @ [ Your Phone Number ] XX/XX/XXXX *Subject : Request for Investigation and Immediate Removal of Unauthorized Inquiries* Dear Experian, Equifax, and TransUnion, I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following inquiries from my credit file : XXXX XXXX XX/XX/XXXX ( listed twice ) [ Experian, Equifax ] I have never owned or applied for any financial product or service with XXXX XXXXXX/XX/XXXX. This inquiry does not belong to me. 
There is no corresponding card or account linked to this inquiry on my credit report. For clarification, I do have XX/XX/XXXX, and XXXX XXXX but those are separate and distinct from this inquiry. 
US DEPARTMENT OF EDUCATION XX/XX/XXXX [ Experian ] o This inquiry is unauthorized. I was not enrolled in school during this time and did not accept any financial aid for that semester. Enclosed, you will find an unofficial transcript showing 0 attempted hours and 0 credits earned. For the period in question These inquiries may be in violation of the FCRA 1681b under the following circumstances : If I did not authorize the inquiry.

If the lender lacked a permissible purpose to access my credit report.

If I was not given proper notice of the inquiry.

FCRA 1681b ( a ) ( 3 ) : A credit bureau may only furnish a consumers report if there is a legitimate business need ( e.g., credit application, employment screening ).

FCRA 1681c ( a ) ( 5 ) : Inquiries must not remain on a credit report for more than two years.

FCRA 1681b ( f ) : Any entity pulling a consumers credit report without permissible purpose is liable for damages.

I am formally requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I request a written response confirming the results of your investigation, along with an updated copy of my credit report reflecting these changes.

Enclosed, you will find copies of my credit report with the unauthorized inquiries highlighted, along with my government-issued ID and proof of address for verification purposes.

If these inquiries were made in error or fraudulently, I request full disclosure of how and when they were authorized, including any supporting documentation. If you can not provide such proof, I request their immediate removal.

Thank you for your prompt attention to this matter. Please contact me at your earliest convenience should you require further information. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a formal complaint regarding identity theft and fraudulent accounts opened in my name. I am a victim of identity theft. I have filed a complaint against these credit reporting agencies and they have not removed these from my credit report. According to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), these items should be removed within 4 days. These are still on my report over a month later! I am requesting immediate action to rectify the damage to my credit report and hold the responsible parties accountable. My personal information was compromised online resulting in many fraudulent accounts being opened. The following accounts are fraudulent. I did not authorize these accounts or authorize my information to be used to open these accounts : XXXX XXXX Account XXXX Balance {$2400.00} XXXX XXXXXXXX Account XXXX {$320.00} XXXX XXXX XXXX Account XXXX {$2400.00} XXXX XXXX Account XXXX {$1100.00} XXXX Account XXXX {$3300.00} XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX Amount {$540.00} XXXX XXXX {$2300.00} The following names and addresses also need to be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I am providing the following documentation as required for the blocking of information resulting from identity theft : 1. Proof of my identity.

2. A copy of my identity theft report.

3. Identification of the fraudulent information.

4. This statement that the information is not related to any transactions I have made.

Also pursuant to [ FCRA 15 U.S.C. 1681c-2 ] ( Section 605B ( a ) ), I demand that you immediately block the reporting of all information related to these fraudulent accounts and the mortgage default, as required by law within 4 business days upon receipt of this letter.

I am prepared to pursue all available legal remedies, including those afforded by [ FCRA 15 U.S.C. 1681o ] ( Section 617 ), to recover any actual damages sustained as a result of this negligence and to seek reimbursement for legal fees incurred.

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 2025-03-03 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-03 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
Complaint Details : Issue : Discover is reporting a debt on my credit report despite no longer owning the debt, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Description of the Problem : I am filing this complaint against Discover Financial Services for unfair and deceptive credit reporting practices. The company is reporting a debt on my credit file, even though they no longer own the account.

Under FCRA ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information must report only accurate and complete information. If Discover has sold, transferred, or assigned the debt, they no longer have the legal right to report it as an outstanding obligation under their name. 

Additionally, under FDCPA ( 15 U.S.C. 1692e ( 8 ) ), misrepresenting the legal status of a debt is a deceptive practice and a clear violation of federal law. 

Since XXXX, I sent a formal dispute letter to Discover requesting debt validation and proof of ownership. However, they have failed to provide sufficient documentation proving that they own the debt or have the authority to report it. 
I have proof they received payment and the balance was zeroed out and requested a payoff letter. 
Despite my dispute, Discover continues to furnish inaccurate and misleading information to credit reporting agencies, which is damaging my credit and causing financial harm. 

Resolution Requested : 1. Immediate removal of the inaccurate debt from all credit bureaus ( XXXX, XXXX, and XXXX ) if Discover can not provide verifiable proof of ownership.

2. Correction of all misreported account information per FCRA and FDCPA guidelines. 


3. Monetary compensation for damages caused by Discovers false reporting, including loss of credit opportunities. 


4. CFPB investigation into Discovers reporting practices to determine if this is a pattern of misconduct affecting other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MO

Complaint narrative:
I want reported accounts removed 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed my account XXXX. With that phone call I made sure that there would not be any more interest charges. I was assured there would not be. XXXX XXXX I received a letter saying I owed money and have had reoccurring letters and email but was told I was not allowed to view my charges XXXX. I brought it to light with you and I now have that information. Once I received that information via letter. XXXX, I to ask for the phone records and the manager told me they would send information about what the company decided once they reviewed the phone records but it would take 10-15 days. I waited till today ( 20 days ) to contact them again as I did not receive the letter. Today I talked with XXXX who told me they would not sent a letter or email with this information. 
I am finding this bank to be very untrustworthy. I would like the phone conversation of when I closed the account XXXX. I get repeated letters and emails from BMO suggesting that I do not respond ( I have call 5 times and emailed once ( no response from the email from XXXX XXXX ) and they threaten collection agency. The amount I own have gone up and down.

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 monetary relief