vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: VT

Complaint narrative:
I am filing this complaint regarding XXXX mishandling of my student loan account and the resulting damage to my credit history.

1. Automatic Payment Failures Without Notification -My automatic payments were being returned by my bank account without my knowledge.

-I never received any notification from XXXX that these payments had bounced back, leaving me unaware that my account was being reported as delinquent.

2. Enrollment Status and Reporting Violation -I was enrolled in graduate school until XX/XX/2025, which should have placed my loans in an in-school deferment/forbearance status. 
-Despite this, XXXX reported me as delinquent within a period that did not meet the 90-day reporting requirements to the credit bureaus.

-This reporting also coincided with what appears to be a fraudulent charge from XX/XX/2025, further compounding the inaccuracy of their reporting. 

3. Retroactive Forbearance Approved but No Credit Correction -After repeated requests, XXXX approved a retroactive forbearance covering the months in question. 
-Despite this approval, XXXX has refused to submit a credit reversal request to the credit bureaus to correct the inaccurate delinquency reporting. 
-As the furnisher of credit data, XXXX is the only entity that can initiate this correction.

4. Excessive Burden and Poor Customer Service -I have spent over 14 hours on the phone with XXXX attempting to resolve this matter.

-Their automated phone systems are intentionally designed to divert borrowers away from speaking with live representatives, creating endless communication loops.

-On multiple occasions, I specifically requested supervisor call-backs outside of my work hours. Instead, supervisors repeatedly called during the workday, making it nearly impossible for me to address the issue.

This situation has caused significant harm to my credit standing and wasted countless hours of my time. I am extremely frustrated and disappointed with the lack of accountability shown by XXXX in resolving this issue.

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 2025-09-24 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: EQUIFAX, INC.
State: VT

Complaint narrative:
I am filing this complaint regarding XXXX  mishandling of my student loan account and the resulting damage to my credit history.

1. Automatic Payment Failures Without Notification -My automatic payments were being returned by my bank account without my knowledge. 
-I never received any notification from XXXX that these payments had bounced back, leaving me unaware that my account was being reported as delinquent.

2. Enrollment Status and Reporting Violation -I was enrolled in graduate school until XX/XX/year>, which should have placed my loans in an in-school deferment/forbearance status. 
-Despite this, XXXX reported me as delinquent within a period that did not meet the 90-day reporting requirements to the credit bureaus.

-This reporting also coincided with what appears to be a fraudulent charge from XX/XX/year>, further compounding the inaccuracy of their reporting.

3. Retroactive Forbearance Approved but No Credit Correction -After repeated requests, XXXX approved a retroactive forbearance covering the months in question. 
-Despite this approval, XXXX has refused to submit a credit reversal request to the credit bureaus to correct the inaccurate delinquency reporting. 
-As the furnisher of credit data, XXXX is the only entity that can initiate this correction. 

4. Excessive Burden and Poor Customer Service -I have spent over 14 hours on the phone with XXXX attempting to resolve this matter. 
-Their automated phone systems are intentionally designed to divert borrowers away from speaking with live representatives, creating endless communication loops. 
-On multiple occasions, I specifically requested supervisor call-backs outside of my work hours. Instead, supervisors repeatedly called during the workday, making it nearly impossible for me to address the issue. 

This situation has caused significant harm to my credit standing and wasted countless hours of my time. I am extremely frustrated and disappointed with the lack of accountability shown by XXXX in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX XXXX and I was notified to discover incorrect accounts that I did not open or authorize. These accounts are negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to these accounts, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that these accounts are investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original credit XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from experian report and I was alarmed to discover a negative account that I did not open or authorize. This account is negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to this account, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that this account is investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 

XXXX XXXX  ( original creditor XXXX XXXX {$13000.00} account # XXXXXXXX XXXX XXXX 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 2025-09-24 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: SC

Complaint narrative:
I am writing to file a formal complaint against multiple furnishers and credit reporting agencies for reporting inaccurate, incomplete, and damaging information on my credit reports. These errors have severely harmed my credit standing and financial stability. Despite my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the listed accounts and records below remain inaccurate.

1. Wrong Addresses Reported The following addresses are not mine, yet they appear on my credit profile : XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX, XXXX, SC XXXX Wrong Address These incorrect addresses suggest possible mixed files or identity errors, which violate the accuracy requirements of the FCRA.

2. Inaccurate and Harmful Account Reporting The following accounts are either reported with incorrect status, inaccurate balances, or in violation of proper reporting standards : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Reported late payments ; account opened XX/XX/XXXX with balance {$270000.00}. These lates are not accurate. 

XXXX XXXX ( XXXXXXXX XXXX XXXX  ) * * Account opened XX/XX/XXXX, balance {$1100.00}. Reported late payments that are disputed. 

XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Multiple accounts reported as charge-offs with balances of {$45000.00}, {$3700.00}, and {$7000.00}. These are inaccurate, duplicative, and misleading. 

XXXX XXXX ( XXXX XXXX XXXX ) * * Account opened XX/XX/XXXX, balance {$4200.00}, reported as charge-off which is false. 

XXXX XXXX ( XXXX ) * * Collection account opened XX/XX/XXXX, balance {$1300.00}. This is disputed and inaccurate. 

3. Improper Hard Inquiries The following creditors pulled hard inquiries without my authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were unauthorized and constitute a violation of FCRA 604.

Requested Relief I respectfully request that the CFPB : Investigate these inaccuracies with the reporting furnishers and credit bureaus.

Remove the wrong addresses, as they do not belong to me.

Delete or correct the inaccurate accounts, late payments, charge-offs, and collections listed above.

Remove all unauthorized hard inquiries from my credit file.

Ensure all furnishers and CRAs comply with the accuracy and reinvestigation standards under the FCRA.

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 2025-09-24 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: GA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved.

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent {$1000.00} to an individual XXXX XXXX in XXXX at her bank XXXX XXXX. Her account number was XXXX. The account number was mistakenly got typed in as XXXX. All number same except the last two digits.

Remitly did not follow proper protocols and did not cross check with the receipent bank whether the XXXX account indeed belongs to XXXX XXXX before releasing the funds. 

I requested Remitly several times to contact the receipent bank and have the transaction reversed, but they did not follow up. 

The receipent bank also did not follow proper banking protocols and instead, accepted the funds. They should have rejected the transfer since the name on the account did not match the account number. Now, Remitly is not cooperating to approach the receipent bank to get the transaction reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
* * Subject : * * Furnisher Reporting a Charge-Off Without Sending Required Notices * * To : * * Consumer Financial Protection Bureau XXXX CFPB ) * * From : * * XXXXAVANT * * Regarding : * * WEBBANK/AVANT, Account NO : # XXXX * * * * * * Summary of Complaint : * * I am disputing the way XXXX/AVANT is furnishing a charge-off on my consumer report. They have failed to comply with federal law by not providing me with either : 1. A Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ), and 2. An Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ).

Both notices are mandatory, and the furnisher must provide them to me in writing. 

* * Details of the Issue : * * - The account in question is a credit card issued by XXXX/AVANT - The account reported positively for a period of time. 

- After I became delinquent, WEBBANK/AVANT charged it off and began reporting derogatory information to the credit bureaus.- I never received a Negative Information Notice. 
- I never received an Adverse Action Notice. 

* * Why This Matters : * * - The Negative Information Notice exists so consumers are warned before derogatory data damages their credit. 
- The Adverse Action Notice exists so consumers know their rights to review, obtain, and dispute their credit report.

* * What I Am Requesting : * * 1. Provide proof that both required notices were mailed to me, and provide actual copies.

2. If no proof exists, delete the charge-off tradeline from all credit reporting agencies and cease further furnishing.

* * Consequences of Non-Compliance : * * - Failure to send a Negative Information Notice violates 623 ( a ) ( 7 ) and makes the tradeline unlawfully furnished.

- Failure to send an Adverse Action Notice is a direct violation of 615 and gives me the right to sue under 1681n and 1681o.

* * Relief Requested : * * - Immediate investigation and enforcement action by CFPB.

- Written confirmation that proof is provided or deletion of the charge-off occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am writing to formally dispute one or more bankruptcy listed on my credit report. These entries are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate 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 explanation
Consumer complaint received 2025-09-24 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-24 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: NJ

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$65.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX , Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 demanding verification of this account as my consumer rights are being violated. Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian has to explain how they verified the account and who they contacted. If the account continues to report inaccurately after disputes, I have claims under FCRA 1681n / 1681o ( damages for willful or negligent failure to correct ).

FDCPA 1692e, 1692f ( collector misrepresenting the amount of debt ). 

XXXX XXXX XXXX XXXXXXXX / XXXX ( unauthorized fees ).

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 2025-09-24 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 pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. Please see the attached letter for specific details.

List account names and numbers 1. XXXX XXXX XXXXXXXX - XXXX 2. XXXX - XXXX 3. 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 non-monetary relief