vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: AL

Complaint narrative:
I am requesting the removal of inaccurate and uthorized items from my credit report that resulted from a data breach involving my personal information. These accounts and inquiries were not authorized by me and are a direct result of my data being compromised. 

XXXX XXXX Reported : XXXX XXXX, XXXX {$3500.00} XXXX XXXX Reported : XXXX XXXX, XXXX {$2000.00} XXXX Reported : XXXX XXXX, XXXX {$550.00} XXXX Reported : XXXX XXXX, XXXX {$2200.00} XXXX  Reported : XXXX XXXX, XXXX {$280.00} XXXX  Reported : XXXX XXXX, XXXX {$1000.00} Hard Inquires XXXX XXXX  Inquiry : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive XXXX  XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX Inquiry : XXXX. XXXX, XXXX Department/Variety and Other Retail XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal Incorrect names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX Incorrect address XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Public records XXXX XXXX XXXX : Bankruptcy XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I disputed my Capital One account ending in XXXX, and Capital One responded in writing on XX/XX/XXXX ( letter attached ). In their response, they confirmed the following : Account closed : XX/XX/XXXX Last payment : XX/XX/XXXX First date of delinquency : 00/00/00 The " 00/00/00 '' entry is not a valid date and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ), which requires furnishers to accurately report the month and year of the first delinquency. This date is essential to ensure accurate reporting and to determine the correct 7-year reporting period for negative information.

By reporting an invalid date of delinquency, Capital One has furnished incomplete and unverifiable data. Despite this, the credit reporting agencies continue to publish the account on my credit report, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requiring deletion of information that is inaccurate or can not be verified.

Requested Resolution : Immediate deletion of the Capital One account ending in XXXX from all of my credit reports ( XXXX, XXXX, XXXX  ). 
Written confirmation of the deletion.

Assurance that no unverifiable or incomplete information will be reinserted into my file without full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to TransUnion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), TransUnion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On [ XXXX ], my mortgage company initiated XXXX identical XXXX withdrawals of {$1500.00} from my Wells Fargo checking account. This duplicate debit caused my account to overdraft by {$1500.00} and left me unable to access my funds. I immediately contacted both Wells Fargo and the mortgage company on the same day. 

Wells Fargo acknowledged the duplicate debit but refused to provide a provisional credit, instead stating it would take up to XXXX business days to return my funds. They also stated someone would call me back in 2 days. The mortgage company confirmed the error but said the refund would also take several days. In the meantime, my account remained negative, creating financial hardship and putting my scheduled payments at risk of being returned unpaid. 

Despite Regulation E requiring banks to investigate and provisionally credit disputed transactions, Wells Fargo has so far declined to do so. I have requested fee reversals and immediate correction, but was told I must wait. It is clear they took payment twice

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 2025-10-03 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: GA

Complaint narrative:
I am reaching out because my credit file continues to display information that does not belong and is causing ongoing harm to my financial reputation. These items are not simply errors to be fixed they are fundamentally inaccurate and unlawful, and therefore must be permanently deleted from my record in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 
My experience reflects what many honest consumers endure : accounts showing as if I still owed something, when in fact they are closed with XXXX XXXX : {$0.00}, and inquiries that I never authorized. Allow me to outline the specific problems : The first problem involves late closed accounts that remain reported, despite showing XXXX balances : XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * The continued presence of these accounts violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because furnishers may not report information they know is inaccurate. It also violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires unverifiable information to be removed, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Under 605B / 15 U.S.C. 1681c-2, I also have the right to block information resulting from identity theft or other invalid reporting. 
The second problem is with charge-off accounts that still appear, even though they also show Balance Owed : {$0.00} : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * Reporting a charge-off with no balance owed is misleading, incomplete, and unlawful. Keeping these on file violates FCRA 623 ( a ) ( 1 ) ( A ), FCRA 611 ( a ), and 605B / 15 U.S.C. 1681c-2. 
Lastly, there are unauthorized inquiries in my file that I never consented to : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without permissible purpose and are violations of 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q ( false pretenses ), and FCRA 604 ( f ) / 15 U.S.C. 1681b ( f ) together with FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( limiting access to files without consent ).

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 2025-10-03 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: NY

Complaint narrative:
I would like these inquires to be remove so my credit report can report accurately INQUIRES XXXX XXXX XXXX BANK I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have now tried multiple times to get in contact with Experian. I have spent hours on hours since the start of this in XXXX trying to get ahold of someone on the phone. I sent letters out over XXXX weeks ago and still haven't heard back. I submitted information online over 2 months ago. My identity was stolen back in XXXX and my Experian account has been taken over since XXXX. I am desperate for help as you can't speak to a human on the phone. The robot is no help and hangs up on you. Please I really need my account back. I have submitted both police reports and the identity theft report. At the end of attachment included some of the fraudulent inquiries and information highlighted. 
Pages worth of inquiries were done fraudulently which I also would like removed. More importantly I need to be able to log into my Experian account. I have the suspect 's mug shot also attached in the pages I submitted by mail to Experian. 
Experian is the absolute worst credit bureau to deal with. My entire personal being is violated and I have XXXX help with solving this. ( Social security was clearly in the hands of a criminal )

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 2025-10-03 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: FL

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate address information appearing on my credit report. XXXX bureau properly conducted an investigation, determined the addresses were inaccurate, and removed them. However, the other credit bureaus failed to provide proper verification or responded with what I believe were frivolous and insufficient investigations. They continue reporting these inaccurate addresses despite being notified, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. The following addresses are incorrect and should not be associated with my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX I have never lived at, received mail at, or been connected in any way to these locations. My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. I understand that information on my credit report must be verified and documented before it can be used by creditors. I can not accept allegations of delinquency or derogatory remarks without factual evidence to support them. I am questioning the accuracy of this information, which does not appear to comply with federal or state reporting requirements. I kindly request that you ensure compliance and accuracy when reporting this information. As a responsible credit reporting agency, I trust that you will not report any information that you know or should know is not compliant with regulations or the law. 
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
Consumer complaint received 2025-10-03 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:
My credit reports with TransUnion, Experian, and Equifax are fundamentally inaccurate and contain numerous, widespread violations of the Fair Credit Reporting Act ( FCRA ). The bureaus have failed in their duty to ensure the maximum possible accuracy of my data, resulting in a credit profile that is unreliable, contradictory, and damaging. 
The inaccuracies are systemic and fall into several major categories : XXXX. Inconsistent and Inaccurate Personal Information : My identity is misrepresented across the XXXX bureaus. Equifax lists my name with incorrect variations ( " XXXX XXXX XXXX '' ), and there are XXXX different, conflicting " current '' addresses listed across my reports. This demonstrates a fundamental failure to maintain accurate identifying information. 
XXXX. Directly Contradictory Account Statuses and Balances : The bureaus report factually impossible information for the same accounts. For example : XXXX : Experian reports this account as " Open '' with a " {$0.00} '' balance, while TransUnion and Equifax report it as " Closed, '' " Late 60 Days, '' and with a " {$420.00} '' balance. 
XXXX ( XXXX XXXX ) : Equifax reports these loans as " Paid '' and " Current ''. This directly contradicts TransUnion and Experian, which report them as " Open '' and severely delinquent ( " Late XXXX Days '' ). Furthermore, Equifax 's own 7-year history summary shows XXXX instances of XXXX day lates, which is impossible for an account that is " Current ''. 
XXXX  : This single account is reported with XXXX different past due amounts ( {$220.00}, {$700.00}, and {$270.00} ) and XXXX different statuses ( " Late 120 Days '' vs. " Collection/Chargeoff '' ). 
XXXX. Duplicate and Fragmented Reporting of Collection Accounts : A single alleged debt from XXXX XXXX XXXX is being reported multiple times across my reports with different statuses ( " Collection/Chargeoff '' vs. " Late 120 Days '' ) and in different sections ( " Collection '' vs. " Other Accounts '' ). This is a misleading representation of the character and amount of a debt, in likely violation of the FDCPA. 
XXXX. XXXX Omissions of Accounts : Key accounts are completely missing from certain reports, proving the data is unverified across the system. For instance, the XXXX XXXX XXXX XXXX is not on my TransUnion report, and a derogatory XXXX XXXX account is only on my Experian report. 
As a direct result of these widespread inaccuracies, my credit scores are artificially suppressed, impairing my ability to access fair credit and financial opportunities. The bureaus have failed to maintain accurate credit files as required by 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 non-monetary relief
Consumer complaint received 2025-10-03 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:
My credit reports with TransUnion, Experian, and Equifax are fundamentally inaccurate and contain numerous, widespread violations of the Fair Credit Reporting Act ( FCRA ). The bureaus have failed in their duty to ensure the maximum possible accuracy of my data, resulting in a credit profile that is unreliable, contradictory, and damaging. 
The inaccuracies are systemic and fall into several major categories : XXXX. Inconsistent and Inaccurate Personal Information : My identity is misrepresented across the XXXX bureaus. Equifax lists my name with incorrect variations ( " XXXX XXXX XXXX '' ), and there are XXXX different, conflicting " current '' addresses listed across my reports. This demonstrates a fundamental failure to maintain accurate identifying information. 
XXXX. Directly Contradictory Account Statuses and Balances : The bureaus report factually impossible information for the same accounts. For example : XXXX : Experian reports this account as " Open '' with a " {$0.00} '' balance, while TransUnion and Equifax report it as " Closed, '' " Late 60 Days, '' and with a " {$420.00} '' balance. 
XXXX ( XXXX XXXX ) : Equifax reports these loans as " Paid '' and " Current ''. This directly contradicts TransUnion and Experian, which report them as " Open '' and severely delinquent ( " Late XXXX Days '' ). Furthermore, Equifax 's own 7-year history summary shows XXXX instances of XXXX day lates, which is impossible for an account that is " Current ''. 
XXXX  : This single account is reported with XXXX different past due amounts ( {$220.00}, {$700.00}, and {$270.00} ) and XXXX different statuses ( " Late 120 Days '' vs. " Collection/Chargeoff '' ). 
XXXX. Duplicate and Fragmented Reporting of Collection Accounts : A single alleged debt from XXXX XXXX XXXX is being reported multiple times across my reports with different statuses ( " Collection/Chargeoff '' vs. " Late 120 Days '' ) and in different sections ( " Collection '' vs. " Other Accounts '' ). This is a misleading representation of the character and amount of a debt, in likely violation of the FDCPA. 
XXXX. XXXX Omissions of Accounts : Key accounts are completely missing from certain reports, proving the data is unverified across the system. For instance, the XXXX XXXX XXXX XXXX is not on my TransUnion report, and a derogatory XXXX XXXX account is only on my Experian report. 
As a direct result of these widespread inaccuracies, my credit scores are artificially suppressed, impairing my ability to access fair credit and financial opportunities. The bureaus have failed to maintain accurate credit files as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Late Date Reported XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief