vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: HI

Complaint narrative:
I previously submitted a dispute regarding multiple inaccuracies appearing on my credit report. However, after reviewing the results of that initial investigation, I have determined that several of the disputed items remain inaccurate, incomplete, or unverifiable. These errors continue to misrepresent my true credit history and have not been properly addressed in accordance with the Fair Credit Reporting Act ( FCRA ).

This submission serves as my second-round follow-up complaint requesting a full and reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). The reporting agencies and furnishers are obligated to ensure maximum possible accuracy as required by FCRA 607 ( b ) and are prohibited from reporting any information known to be inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HI 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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: FL

Complaint narrative:
I am writing to request full validation of the alleged medical debt you claim I owe, pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and applicable HIPAA privacy regulations.

Debt : Account # XXXX {$400.00} This letter is a formal notice that I dispute your claim and request the following documentation before I consider any payment or further communication regarding this matter : Verification of the debt, including : The name and address of the original creditor ( the medical provider ).

A complete itemization of all charges, dates of service, and payments applied.

Documentation that clearly shows I am legally obligated to pay this debt.

Proof of your authority to collect this alleged medical debt, including : A copy of the assignment or contract authorizing your agency to collect on behalf of the original creditor.

The date of assignment or purchase of this debt.

HIPAA Compliance : Since this involves protected health information ( PHI ), please provide evidence that the original creditor obtained my written authorization to share any medical information with your agency, in accordance with 45 C.F.R. 164.508.

If no such authorization exists, sharing my medical details constitutes a HIPAA violation, and I request that you cease all collection activity and immediately remove any related reporting from my credit file.

Credit Reporting : Until you have fully validated this alleged debt, you must not report or must remove any related information from my credit reports with XXXX XXXX, and XXXX, as reporting unverified debts violates the FDCPA and FCRA ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiry SYNCB/XXXX  To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry that appears on my XXXX  credit report. 

The inquiry was made by SYNCB/XXXX on XX/XX/year>. I did not authorize this credit inquiry, nor did I apply for credit with this company at any time. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be fully investigated and removed from my credit report.

Please provide written confirmation once the investigation is complete and the inquiry has been deleted.

Thank you for your prompt attention to this matter.

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 2025-11-10 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: CA

Complaint narrative:
I am filing this complaint because all three credit bureaus TransUnion, Experian, and Equifax continue to report inaccurate and unverified collection and charge-off accounts that have caused significant damage to my credit reputation and emotional well-being. These accounts are being reported inconsistently and without proper verification or documentation, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The items currently in dispute are : Collections ( XXXX Bureaus ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts appear to be outdated, unverifiable, or otherwise inaccurately reported. I have never been provided with any form of debt validation, verification of ownership, or proof that these accounts were legally assigned, serviced, or collected in compliance with the law.

Under 15 U.S. Code 1681s-2 and 1692g ( b ), both the data furnishers and the credit bureaus are required to verify the accuracy and validity of any information they report once a consumer disputes it. If the furnisher or bureau can not produce legitimate documentation within 30 days, they are legally obligated to delete the disputed information from the consumers credit report.

Despite previous disputes, these accounts remain on my reports without any verification or supporting records. This negligence violates the FCRAs requirement for maximum possible accuracy under 15 U.S. Code 1681e ( b ) and the FDCPAs prohibition against continued collection or reporting of unvalidated debts.

These errors have severely affected my creditworthiness and mental peace impacting my ability to secure affordable financing and stable housing.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
This company is reporting a collection that is unvalidated and inaccurate. No contract or proof I owe this debt. They have not provided any required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am submitting this complaint because my credit report with TransUnion and XXXX  lists a collection from XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a reported balance of {$670.00}. I dispute the accuracy of this collection. I have no knowledge of this debt being valid, and I have not been properly notified or provided any documentation to substantiate that this debt is mine. 

The reporting of this collection is creating a misleading and false impression of my financial responsibility, negatively impacting my creditworthiness. Maintaining an inaccurate collection without verification is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681, credit reporting agencies must ensure all information is accurate and verifiable. Specifically, if a furnisher reports a debt, the credit bureau must conduct a reasonable investigation into its validity when disputed ( 15 U.S. Code 1681i ( a ) ( 1 ) ).

I have not received proper validation of this alleged debt, and no documentation confirming its accuracy has been provided. According to 15 U.S. Code 1692g, under the Fair Debt Collection Practices Act ( FDCPA ), a consumer has the right to request verification of any debt. If the creditor or collection agency can not provide sufficient documentation within 30 days, they are legally obligated to cease collection efforts and remove the inaccurate account from my credit report.

This inaccurate reporting has caused financial harm, stress, and concern over my credit integrity. I take my credit reputation seriously, and it is unacceptable for collections that are unverified or potentially erroneous to remain on my 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Formal Complaint Against JPMorgan Chase for Failure to Provide Required Notice and Improper Credit Limit Reduction To Whom It May Concern, I am submitting this formal complaint regarding the unlawful reduction of my Chase credit card limit from {$8200.00} to {$1700.00} without proper notification or valid justification, which is a clear violation of federal law. 
On XX/XX/XXXX, at XXXX AM, I received a call from a male representative named XXXX from the Chase Bank review department. During this call, he questioned me extensively about a late payment reported to another bank When I contacted Chase customer service on XX/XX/XXXX, I was told the reduction was due to inactivity on the card. However, this claim is baseless as my account had active charges dated XX/XX/XXXX. This contradiction calls into question the legitimacy of their reasoning and further highlights XXXX  failure to provide accurate information. 
As per Regulation Z, part of the Truth in Lending Act ( XXXX CFR XXXX ( c ) ( XXXX ) ) and the Credit Card Accountability Responsibility and Disclosure Act of XXXX ( CARD Act ), Chase was required to provide me with written notice at least 45 days in advance of this significant change. They did not comply with this legal mandate, depriving me of the opportunity to respond or adjust my finances accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because my Experian credit report contains inaccurate address information. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, yet the report lists previous addresses inconsistently, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , both of which are outdated.

Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain maximum possible accuracy of all information in consumer reports. Reporting inaccurate or outdated personal information, especially addresses, can negatively affect my creditworthiness, loan approvals, and other financial matters.

This issue has caused significant concern, as incorrect address records could lead to misrouted correspondence, unauthorized account access, or erroneous credit decisions.

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 2025-11-10 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: IN

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sezzle Inc.
State: AR

Complaint narrative:
Sezzle has yet to provide a refund for {$180.00}. They never addressed the current issue and closed out a previous complaint with old date. They received a refund for a {$180.00} XXXX  purchase in XXXX of XXXX. They registered the refund as XXXX. I spoke with XXXX and they stated they indeed refunded {$180.00}. 

Sezzle has stolen a little over {$180.00} and continue to gaslight me on the issue. I am also happy to send the XXXX invoices. I have attached where sezzle has refunded a penny instead of the full refund amount. 

To be clear, this is regarding the XX/XX/2025 purchase in which they still have not send me the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AR

Complaint narrative:
I am disputing inaccurate items appearing in my credit report. The Fair Credit Reporting Act protects my right to accuracy in reporting. Section 609 ( a ) ( 1 ) ensures I can review my file and dispute incorrect information. Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete inaccurate or unverifiable information within 30 days. Section 607 ( b ) requires maximum possible accuracy when reporting consumer data. 
Late Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX  Balance Owed : {$0.00} CANNON XXXX XXXX * XXXX XXXX : {$4500.00} FCO XXXX * Balance Owed : {$2100.00} XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} 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 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-10 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 am disputing inaccurate items appearing in my credit report. The Fair Credit Reporting Act protects my right to accuracy in reporting. Section 609 ( a ) ( 1 ) ensures I can review my file and dispute incorrect information. Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete inaccurate or unverifiable information within 30 days. Section 607 ( b ) requires maximum possible accuracy when reporting consumer data. 
Late Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX  Balance Owed : {$0.00} CANNON XXXX XXXX * XXXX XXXX : {$4500.00} FCO XXXX * Balance Owed : {$2100.00} XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
This complaint is filed against Experian Information Services LLC for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a XXXX XXXX  account ( No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. Despite a formal dispute submitted on XX/XX/XXXX, Experian continues to report false and inconsistent information, including an incorrect Closed / Transferred status and unverifiable late payments from XX/XX/XXXX to XX/XX/XXXX. Experian has failed to conduct a proper reinvestigation, verify the accuracy of the data, or provide evidence from the furnisher, in direct violation of 1681i and 1681e ( b ) of the FCRA. This negligence has caused harm to the consumers credit and financial reputation. The complainant, through her authorized representative XXXX XXXX XXXX, XXXX, demands immediate deletion or correction of all unverifiable data, confirmation of the investigation results, assurance against unlawful reinsertion, and appropriate corrective action against Experian for its failure to ensure maximum possible accuracy and compliance with 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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
On XX/XX/year> I was alerted by the CC company Avant, that it looked like fraudulent activity happening, I responded saying I am not currently nor was I recently at all using my card, told them to lock the card and they blocked XXXX other attempts on the card but let one slip through for {$320.00} which was not me or anyone I know or let use the card, they continue to not remove the charge and wont respond back to me when I keep inquire about it. A payment on that is coming up and I refuse to make a payment on fraud as the CC was empty when this occurred.

Company response to consumer: Closed with explanation