vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: IN

Complaint narrative:
This correspondence is being submitted pursuant to my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), specifically invoking protections afforded under XXXX XXXX. XXXX ( XXXX ) and XXXX XXXX. XXXX ( XXXX ) the Permissible Purpose provision. 
Please be advised that I, [ Your Full Name ], am the original author of this letter. This communication is not being sent through any third-party entity, and I do not consent to the XXXX XXXX system. I am asserting my consumer rights directly and am seeking to resolve this matter without further escalation. 
Upon recent review of my consumer disclosure file, I identified the following account ( XXXX ) being reported inaccurately and without proper authorization, in direct violation of federal law : Accounts : XXXX XXXX XXXXXXXX * * * * * {$2300.00} XXXX XXXX XXXX * * * * {$1800.00} XXXX XXXXXXXX * * * * {$34000.00} XXXX  XXXX * * * * {$35000.00} XXXX XXXX * * * * {$420.00} XXXX XXXX XXXX * * {$530.00} XXXX XXXX XXXX * * {$520.00} Reporting Agency : Experian, Equifax and Transunion Under XXXX XXXX. XXXX ( XXXX ), a consumer reporting agency is only permitted to furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not provided any such written authorization or instruction for this information to be included in my report. Therefore, the continued reporting of the account ( s ) identified above lacks a permissible purpose and constitutes a clear statutory violation. 
Furthermore, such unauthorized reporting may be construed as willful noncompliance with federal law and may give rise to additional claims, including but not limited to aggravated identity theft, defamation of character, and negligent or intentional infliction of emotional distress. The presence of this erroneous information has caused tangible harm to me and my family, including but not limited to my inability to secure a mortgage, which has placed us at risk of housing instability. 
Accordingly, I am demanding the immediate removal or correction of the above-referenced account ( s ) to reflect either a paid as agreed status or complete deletion from all consumer reporting files maintained by your agency. I require written confirmation of compliance with this demand and an updated copy of my consumer report within XXXX ( XXXX ) calendar days from the receipt of this notice. 
Should this matter not be resolved in a timely and lawful manner, I will not hesitate to pursue all available legal remedies to enforce my rights under the FCRA and any applicable state or federal statutes.

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 2025-07-30 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 am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX XXXX. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX XXXX. XXXX ( b ). The reporting of unauthorized data also breaches XXXX XXXX. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-30 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
XXXX XXXX XXXX XXXX - Validation of debts XXXX XXXXXXXX XXXX I have submitted several claims that nobody can verify. Now I am asking you to remove them from my account.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Allen Daniel Associates, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a reported debt in the amount of {$9100.00} allegedly owed to XXXX. I have never applied for or opened any account with XXXX, and I was not aware of this debt until recently. Furthermore, I have had a credit lock placed on my credit file for over a year, making it unclear how such an account could have been opened in my name without my knowledge or authorization. I believe this account was fraudulently created, and I am requesting that this matter be thoroughly investigated and the debt removed from any records associated with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
CFPB Complaint Avant / WebBank XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX XX/XX/year> To : Consumer Financial Protection Bureau Subject : Formal Complaint Avant / WebBank Charge-Off Reporting Dear CFPB, I am filing a complaint regarding inaccurate and unverifiable reporting by Avant / WebBank, who are furnishing a charged-off account in my name ( Account Ending in XXXX ) with a reported balance of {$2500.00}. 

The company reports this account as charged off and written off, yet I have : - Never received a XXXX form, which is legally required if the account was canceled or forgiven - Never received a signed contract or any valid proof of the original debt According to IRS regulations XXXX a creditor that cancels or writes off more than {$600.00} in debt must issue a Form XXXX. The absence of this form combined with a lack of payment history proves that Avant / WebBank is reporting false, incomplete, or unverifiable information, in violation of the Fair Credit Reporting Act ( FCRA ). 

I am formally requesting the CFPB to : XXXX. Investigate Avant / WebBank for furnishing false or misleading credit information XXXX. Enforce deletion of this account from all three major credit bureaus XXXX XXXX XXXX and XXXX ) XXXX. Take further enforcement or regulatory action if the company is found in violation of the FCRA or XXXX IRS requirements Screenshots and credit report evidence are attached for reference. Please confirm receipt and advise on next steps. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX  * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$07.00} XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$37.00} XXXX XXXX - Account Number : XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$03.00} XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra

Complaint narrative:
On XX/XX/year>, I initiated a transfer of XXXX XXXX from my interest-earning account to my trading wallet in the Abra app. The transaction has been stuck in processing ever since. I also attempted to move additional funds ( XXXX XXXX ) with the same result. 
I currently have over {$37000.00} USD in total across several cryptocurrencies ( XXXX, XXXX, XXXX, XXXX, XXXX ) locked in Abra. The app shows the full balance, but all withdrawals remain temporarily unavailable. 

My available balance is only {$0.00}, making the rest of my funds completely inaccessible. I contacted Abra support multiple times without receiving any resolution or timeline. 

This situation raises serious concerns about the companys solvency and operations. I did not agree to have my funds frozen indefinitely, and the lack of transparency is unacceptable. 

I demand clear communication, immediate access to my funds, and guarantees regarding the safety of my assets. I am also submitting complaints to the SEC and FTC to ensure this matter is investigated.

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 2025-07-30 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IN

Complaint narrative:
My account was suspended due to fraud activities that they claim but its my social security XXXX they said my account will unlock soon but they keep giving my incorrect info and different case numbers but no help also my bills are over due cause my benefits are locked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I checked my credit report and had multiple accounts from same creditor that were opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX data breaches or Identity theft.

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 2025-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There have been multiple unauthorized accesses to my credit report by companies with whom I have no relationship. These actions have directly damaged both my credit and credit score. I previously contacted your agency regarding this matter and was assured by a representative that the unauthorized inquiries would be removed. That assurance has not been honored these inquiries remain, and that failure to act is unacceptable. 

The ongoing presence of these potentially fraudulent entries raises serious concerns about possible identity theft. This situation is causing continuous emotional and financial distress.

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 2025-07-30 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: WA

Complaint narrative:
Experian Consumer Solutions RE : Demand for Removal of Unverified & Improperly Disclosed Transactions To Whom It May Concern : I am writing to formally dispute the inclusion of the following transactions on my consumer credit report, as they violate 15 U.S.C. 1666b ( Fair Credit Billing Act ) and 15 U.S.C. 1637b ( Truth in Lending Act ).

1. Legal Basis for Dispute Under 1666b, creditors must provide accurate billing statements and resolve billing errors promptly. Additionally, 1637b ( a ) ( 7 ) requires that creditors furnish all required disclosures no later than 21 days after the payment due date. 

The following transactions are disputed because : I did not receive the required disclosures within the mandated 21-day period. 

The creditor failed to comply with federal law, rendering the reporting of these debts inaccurate and unenforceable.

2. Supporting Case Law Federal courts have consistently ruled in favor of consumers when creditors fail to adhere to disclosure requirements : XXXX XXXX XXXX XXXX XXXX ( XXXX ) The court held that creditors must strictly comply with 1637b disclosure timelines ; failure to do so invalidates the debts enforceability. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The court affirmed that consumers have the right to dispute and remove improperly disclosed debts from credit reports under 1666b.

3. Demand for Immediate Action Pursuant to 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation and remove any unverified or improperly reported information. I demand that you : Permanently exclude the disputed transactions from my credit file. 

Provide written confirmation of the deletion within 30 days.

4. Failure to Comply Will Result in Legal Action If Equifax fails to correct these inaccuracies, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) for willful non-compliance. 

This is not a requestit is a lawful demand for correction under federal statute. 

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 2025-07-30 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: NV

Complaint narrative:
I submitted disputes on XXXX XXXX both the CFPB portal and Experians online system. Experian refused to reinvestigate, claiming my portal submission wasnt direct. That is incorrect under FCRA 1681i ( a ) any dispute I submit directly must trigger a free 30day reinvestigation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is reporting a XXXX chargeoff with XXXX straight XXXX  codes and no Metro2 Field18 ( Date of First Delinquency ). That violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 605B ( block any item I suspect stems from identitytheft due to a databreach and police report ). Delete this tradeline immediately or furnish original, signed loan documents. 

XXXX XXXX XXXX XXXX ( acct ending XXXX ) was previously deleted, then reinserted without the required 5businessday notice or certification under FCRA 611 ( a ) ( 5 ) ( B ). Delete it now or provide the statutorily required reinsertion documentation. Finally, the hard inquiries by XXXX, XXXX, and XXXX lack any permissible purpose under FCRA 604 delete them under 611 ( f ). If these items are not removed, I will seek all remedies under FCRA 1681no, request CFPB enforcement under Experians XXXX Consent Order, and file a complaint with the XXXX XXXX for unfair practices.

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