vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
I want to follow up my dispute regarding the inaccurate reporting of the following account on my Equifax, Transunion, and Experian credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$2000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7900.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I am a ID theft victim from XX/XX/year>. I found this on my credit report. They have not been willing to work with me on getting it removed. I have filed this with the FTC and Local Police. They are saying they can not get my Emails to respond. My Emails are getting to everyone else, no problem on my end. They are not willing to work with me or this company is a scam, I am not sure which one.

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 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a kn own victim of identity theft. I have been dealing with this for a little bit now. I was getting collection calls from an account that didn't belong to me and pulled credit and discovered it. Additionally, I get a lot of notifications that my information is on the dark web, For the most part, I have been able to clear this up ; but Experian is giving me a hard time and playing games.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 kn own victim of identity theft. I have been dealing with this for a little bit now. I was getting collection calls from an account that didn't belong to me and pulled credit and discovered it. Additionally, I get a lot of notifications that my information is on the dark web, For the most part, I have been able to clear this up ; but Experian is giving me a hard time and playing games.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I opened an Avant Credit Card account in XX/XX/XXXX. Despite numerous attempts, I never once received a credit card in the mail. I even changed my address multiple times thinking that would resolve the issue, but no card was ever delivered. I called Avant several times and they repeatedly said they would issue another card, but it never arrived. 

After months of this, I requested the account be closed. At first, Avant refused, even though representatives acted as if they had closed it. Only when I threatened legal action did a representative finally assure me that the account was closed. I was toldon a recorded phone callthat since I never received or activated a card, all fees ( including start-up and closing fees ) would be waived. 

Despite this, Avant has continued to attempt to charge fees to the account. I have had this issue escalated more than five times, but Avant continues to delay resolution. Their email support repeatedly tells me they are looking into it, and I have multiple recorded phone calls with representatives stating they are investigating. It is now XXXX, and I have been trying to resolve this since XXXX. 

I do not want this fraudulent account or charges reported to the credit bureaus. Avant has failed to provide me with a functioning account, failed to close the account as promised, and continues to bill me improperly. According to other consumer reports ( XXXX and complaint sites ), this appears to be a pattern with Avant : consumers never receive their cards, not being able to access funds, fees accumulate without explanation, and Avant reports inaccurate information to the credit bureaus. 

* * Laws Avant is violating : * * * * * Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 * * * Failure to properly investigate and resolve billing errors.

* Continuing to attempt to collect disputed charges.

* * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 * * * 1681s-2 ( a ) : Furnishers must not report inaccurate or unverifiable information.

* 1681s-2 ( b ) : Failure to conduct a reasonable investigation after receiving a dispute.

* * * Consumer Financial Protection Act, 12 U.S.C. 5531 & 5536 * * * Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Avant misled me about account closure, fees, and resolution timelines.

Now that I said Im getting you all involved they claimed they are issuing me a card. That was XX/XX/XXXX, but now you all see what I mean. If my account was closed how are you all issuing a credit card? This is extortion at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
VANCE amp HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE amp HUFFMAN LLC 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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-09-11 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-11 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL [ ZIP ] Subject : Willful & Negligent FCRA Violations NonMetro 2 Compliant Reporting Complaint Summary I am filing this complaint because Experian, Equifax, and TransUnion are knowingly reporting false, contradictory, and nonMetro 2 compliant information on my credit file. These errors are damaging my credit reputation, blocking me from fair access to credit, and causing financial harm. 

This is not a minor oversight it is a direct and willful violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 



Accounts in Violation Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factoring/Collection Serious Inaccuracies & Contradictions 1 . Conflicting High Balances : One bureau reports {$720.00}, another reports {$0.00}. Both can not be true. 
XXXX. Different Dates of Last Activity : TU shows XX/XX/year>, EX shows XX/XX/year>, EQ shows XX/XX/year> impossible if this is the same account. 
XXXX. Contradictory Account Status : Closed on one report, Open on another. An account can not be both. 
XXXX. Misleading Remarks : Charge-off, Profit and Loss Write-off, Placed for Collection, all listed for the same debt these remarks are inconsistent and misleading. 
XXXX. Utility Account ( Equifax # XXXX ) : Reported as Open, 120 Days Late, and in Collection while showing a {$0.00} balance. This is contradictory and fraudulent reporting. 



FCRA & Consumer Law Violations FCRA 607 ( b ) : Bureaus are failing to ensure maximum accuracy.

FCRA 611 ( a ) : Items that can not be verified with 100 % accuracy must be deleted.

FCRA 602 ( a ) : I have the right to fair, accurate, and consistent reporting.

15 U.S.C. 1681i : Unverifiable and contradictory data must be removed.

Metro 2 Standards : Require uniform data reporting across all CRAs. These accounts are blatantly noncompliant.

FDCPA 15 U.S.C. 1692e : Misleading representation of debts is strictly prohibited.

This is willful noncompliance, not simple error.

Relief Demanded I am demanding the immediate deletion of the above accounts from all of my credit files. Continuing to report contradictory and unverifiable data is illegal and constitutes willful negligence under the FCRA. 

If this is not corrected, I will : Seek enforcement through the CFPB and FTC. 
Pursue legal action for damages under FCRA 616 & 617 for willful and negligent noncompliance. 
Hold the credit bureaus accountable for financial injury, defamation of credit, and reckless disregard of consumer law. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am getting repeated phone calls from what is labeled as CCS Offices. But I do not have any debt. When I answer the phone and say hello there is no response and then the call ends. The phone calls are becoming harassing and occur more often. I would just like the calls to stop. They come from the following number : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-11 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA XXXX & XXXX, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
This is in response to complaint XXXX in which the company said that Our records show that the original refund check in the amount of {$270.00} was issued on XX/XX/year>. Unfortunately, this check was returned to us on XX/XX/year>. 

I do not believe this. I believe this is another lie. I require them to submit visual proof of this.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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