vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: HI

Complaint narrative:
I am writing to formally dispute the accuracy of information being reported on my Equifax credit report regarding the XXXX XXXX XXXX XXXX installment account ( Account Number : XXXX ), which was last reported on XX/XX/XXXX. 

This account is being reported with a charge-off status and multiple months of delinquencies ( 30, 60, 90, 120, and 150 days late ), with the first delinquency listed as XX/XX/XXXX. However, I dispute the accuracy of this reporting for the following reasons : No accurate documentation has been provided to validate this accounts status.

The charge off occurred after alleged delinquencies, yet no final payment activity date appears that aligns logically with the delinquency timeline.

You previously verified this information, yet it remains inaccurate or unverifiable per FCRA guidelines ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ).

The account shows a payment of {$170.00} made in XX/XX/XXXX, which contradicts the ongoing delinquency status.


The tradeline notes " Paid Charge Off, '' which indicates the account was resolved, yet the derogatory status and months of delinquency remain on file, harming my credit unjustly. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure all data reported is accurate and verifiable. Since this account continues to be inaccurately reported despite prior disputes, I am
requesting the following : Deletion of the XXXX XXXX XXXX XXXX tradeline from my credit report due to unverifiable and inconsistent reporting.

A description of how this item was verified, including the method of verification, and the party contacted.

Please reinvestigate this item and provide a written response within 30 days as required by law. If the information can not be fully verified, it must be removed from my credit report.

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 2025-07-22 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: HI

Complaint narrative:
I am writing to formally dispute the accuracy of information being reported on my Equifax credit report regarding the XXXX XXXX XXXX XXXX installment account ( Account Number : XXXX ), which was last reported on XX/XX/XXXX. 

This account is being reported with a charge-off status and multiple months of delinquencies ( 30, 60, 90, 120, and 150 days late ), with the first delinquency listed as XX/XX/XXXX. However, I dispute the accuracy of this reporting for the following reasons : No accurate documentation has been provided to validate this accounts status.

The charge off occurred after alleged delinquencies, yet no final payment activity date appears that aligns logically with the delinquency timeline.

You previously verified this information, yet it remains inaccurate or unverifiable per FCRA guidelines ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ).

The account shows a payment of {$170.00} made in XX/XX/XXXX, which contradicts the ongoing delinquency status.


The tradeline notes " Paid Charge Off, '' which indicates the account was resolved, yet the derogatory status and months of delinquency remain on file, harming my credit unjustly. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure all data reported is accurate and verifiable. Since this account continues to be inaccurately reported despite prior disputes, I am
requesting the following : Deletion of the XXXX XXXX XXXX XXXX tradeline from my credit report due to unverifiable and inconsistent reporting.

A description of how this item was verified, including the method of verification, and the party contacted.

Please reinvestigate this item and provide a written response within 30 days as required by law. If the information can not be fully verified, it must be removed from my credit report.

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 2025-07-22 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: CA

Complaint narrative:
I am a victim of identity theft, and my credit report shows accounts and inquiries I did not authorize. These items are fraudulent and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these items. Attached are a list of the disputed accounts and my FTC Identity Theft Report. 

Please confirm once the corrections have been made.

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 2025-07-22 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: GA

Complaint narrative:
I am a victim of identity theft. My credit report includes accounts and inquiries I did not authorize. These items are fraudulent and should not be associated with me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these items be blocked and removed. Ive attached a list of the disputed entries and my FTC Identity Theft Report.

Please confirm once these items have been removed.

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 2025-07-22 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: CA

Complaint narrative:
I am a victim of identity theft, and my credit report shows accounts and inquiries I did not authorize. These items are fraudulent and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these items. Attached are a list of the disputed accounts and my FTC Identity Theft Report. 

Please confirm once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: MO

Complaint narrative:
I received a letter from " XXXXXXXX XXXX XXXX XXXX '' on XX/XX/XXXX alleging that I owed a debt to " Avante USA '' which was originally issued by " XXXX  '' on XX/XX/XXXX. I sent a letter back to " XXXX and XXXX, XXXX '' on XX/XX/XXXX informing them that the debt was not mine and requested all information regarding the alleged debt. " XXXX and XXXX, XXXX '' complied with my request for verification and on XX/XX/XXXX they sent me all information regarding the alleged debt, but they re-iterated that they were attempting to collect upon the debt. I replied back to " XXXX and XXXX, XXXX  '' that upon sending the information for verification I had reviewed the information, and identified multiple factual discrepancies and omissions, such as my social security number, phone number, e-mail address, bank account information, and signature. I replied informing them that I was not the person who took out the debt and their information contained multiple factual errors and re-iterated that I was not the person who took out the debt as well as my demand they cease attempts to collect the debt. I received a reply from " XXXX and XXXX, XXXX '' on XX/XX/XXXX acknowledging that they received my statement declaring the mistaken identity and demand to stop attempts to collect the debt. Much to my surprise, months later I started receiving unsolicited letters from multiple attorneys with whom I had never been in previous contact, each letter telling me that I was being sued by " XXXX and XXXX, XXXX XXXX for non-payment of the debt ; the very same debt which I had already disputed and was already acknowledged to have been disputed. Using the court filings mentioned in the unsolicited letters from uncontacted attorneys, I was able to see that " XXXX and XXXX, XXXX '' had attempted to file a lawsuit against me using a social security which was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX RE : Formal Notice of FCRA Violations, Request for Security Freeze, Fraud Alert, and Immediate Corrections LexisNexis Risk Solutions Consumer Center XXXX XXXXXXXX XXXX XXXX, XXXX XXXX I am writing to notify you of multiple violations under the Fair Credit Reporting Act ( FCRA ) concerning my LexisNexis consumer disclosure. After reviewing the file, I have identified serious inaccuracies and suspicious inquiries, many of which were made * * without my knowledge or consent * *, and in clear violation of multiple provisions of the FCRA. 
Summary of Identified FCRA Violations : 1. * * Unauthorized Inquiry XXXX XXXX ( XX/XX/XXXX ) * * - I have * * no vehicle * *, no policy with XXXX, and never applied for coverage. This violates * * FCRA 604 ( a ) * *, which requires a legitimate permissible purpose. 

2. * * Multiple Inquiries XXXX XXXX, XXXX, XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) * * - These inquiries appear * * duplicative * * and potentially fraudulent. No written consent was provided by me for this level of access. 

3. * * Suspicious XXXX XXXX XXXX by XXXX XXXX ( XX/XX/XXXX ) * * - This inquiry lacks a valid purpose code and fails to meet the requirements of * * FCRA 604 and 609 ( a ) * *. 

4. * * Unfamiliar XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) * * - I never authorized any employment screening through this entity. This may constitute * * identity theft * * under * * FCRA 603 ( q ) * * and should be removed under * * 605B * *. 

5. * * Incorrect Subject Name Records * * - My file shows * * multiple incorrect aliases * * ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) all linked to the same insurance policy. This is inaccurate and may be evidence of merged files or identity theft, in violation of * * FCRA 611 * *.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 am formally disputing several accounts currently listed on my credit report that are outdated and no longer eligible for reporting under the Fair Credit Reporting Act ( FCRA 605 ( b ) ). This section of the law requires the removal of negative information that exceeds the allowable reporting period. 

Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DEPT OF ED / XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These items are now considered obsolete under FCRA guidelines. Therefore, I am requesting that you conduct an immediate investigation and permanently delete these accounts within four ( 4 ) business days, as required upon confirmation of inaccuracy or outdated status. 

Please provide me with written confirmation of the results of your investigation, along with an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am formally disputing several accounts currently listed on my credit report that are outdated and no longer eligible for reporting under the Fair Credit Reporting Act ( FCRA 605 ( b ) ). This section of the law requires the removal of negative information that exceeds the allowable reporting period. 

Please remove the following accounts from my credit file : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DEPT OF ED / XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These items are now considered obsolete under FCRA guidelines. Therefore, I am requesting that you conduct an immediate investigation and permanently delete these accounts within four ( 4 ) business days, as required upon confirmation of inaccuracy or outdated status. 

Please provide me with written confirmation of the results of your investigation, along with an updated copy of my credit report.

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 2025-07-22 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: GA

Complaint narrative:
This letter is submitted to the Consumer Financial Protection Bureau as part of my identity theft case, supported by my FTC Identity Theft Report filed on XX/XX/XXXX. 

I have reviewed my credit report with TransUnion and discovered the following unauthorized inquiries that I did not initiate, approve, or authorize : - XXXX XXXX XXXX XX/XX/XXXX - Bank XXXX XXXX XX/XX/XXXX - OneMain XX/XX/XXXX - XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries are the result of identity theft and are fraudulent. Pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX, I am requesting their immediate removal from my credit file and the blocking of any related or derived accounts or access. 

I have enclosed the following documents to support this request : - A copy of my FTC Identity Theft Report ( filed XX/XX/XXXX ) Please investigate and remove these inquiries promptly, and confirm removal in writing. 

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 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
The check was sent to me by mail in XXXX but unfortunately it went missing. It was for the amount XXXX, but I found it and deposited it when the timeframe was passed. Sorry for the any inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is XXXX  me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXPurchase date 1XXXXPurchased through XXXXAmount charged XXXXOrder # XXXXProduct received on 1XXXXCharged via Discover card # XXXXShipping label received from XXXX, via email\nReturned via XXXX   Shipping #XXXX XXXX XXXX XXXX XXXX XXXXVendor received shipment on XXXX XXXX XXXXVendor XXXX   Sold by XXXXCase ID: XXXXDISCOVER INFORMATION\n       Case XXXX XXXX       Dispute XXXX XXXX        Order # XXXXOur U.S. warehouse address is: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  main office in the United States is located atXXXX XXXX XXXX XXXX XXXX XXXX.  I informed Discover not to pay this bill.  I returned the product.  They went ahead and paid the bill"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: National Credit Systems,Inc.
State: CT

Complaint narrative:
This company continues to report a collection account that is causing significant harm to my credit. They are updating the status and reporting dates repeatedly, giving the false idea that the account is new or re-aged. This is misleading lenders and violates fair credit reporting. The original delinquency was in XX/XX/XXXX, but they've updated the date to XX/XX/XXXX. This seem like an attempt to extend the impact on my report beyond the legal XXXX period. I am requesting an investigation and that this account is to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Subject : DEMAND FOR IMMEDIATE DELETION OF UNLAWFUL LATE PAYMENT REPORTING. 

To whom it may concern, I am filing a complaint because my creditor is reporting late payments on my account. This letter serves as a formal demand for the immediate deletion of falsely reported late payments on my credit report. The reporting of these late payments violates multiply creditor laws. They may not report any transactions on a credit card account under an open end consumer federal laws including but not limited to 15 U.S.C. 1666b, 15 U.S.C.1637b and 15 U.S.C.1681s-2 ( a ) ( 7 ).

Please ensure this inaccurate information is removed immediately.

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 2025-07-22 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: FL

Complaint narrative:
This CFPB complaint is submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian, as the credit reporting agency , block from my consumer credit report all information that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The following item does not belong to me and is the result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> This fraudulent account has led to multiple unauthorized hard inquiries and collection entries appearing on my FICO credit report. These entries are inaccurate, fraudulent, and were made without my knowledge or consent. 

I have attached a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) as proof that all of the above-referenced accounts, collections, and hard inquiries stem from 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