vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request to Update Inaccurate or Incomplete Information Delete Accurate Account and Information associated with Accounts I am formally requesting, under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), that the credit reporting agencies and the furnishers of information delete and correct the disputed information shown in the attached document, rather than deleting accurate accounts. 

This letter serves as official notice that the information currently reporting is either incomplete, outdated, or inaccurate in part, and must be brought into full compliance with federal law. 

Relevant FCRA provisions : 1. 15 U.S.C. 1681i Requires CRAs to investigate disputed information and correct or update it within 30 days.

2. 15 U.S.C. 1681e ( b ) Requires CRAs to maintain reasonable procedures to ensure maximum possible accuracy.

3. 15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate upon notice from a CRA and update or correct incomplete or inaccurate data, reporting changes to all CRAs to which they furnish data. 

Failure to comply with these provisions constitutes a violation of the FCRA and exposes the offending party to statutory damages, actual damages, costs, attorneys fees, and potential punitive damages under 15 U.S.C. 1681n and 1681o.

Accordingly, I demand : Immediate investigation of the disputed items. 
Correction and deletion of any incomplete, inaccurate, or outdated information. 
Written confirmation of the investigation results and the changes made to my credit file. 

Enclosed/attached you will find a copy of my dispute results and supporting documentation from Experian. 

Sincerely, XXXX XXXX XXXX This is a copy of the letter thats going out today to the to the XXXX XXXX XXXX XXXX XXXX XXXX  CFPB consumer finance protection bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CT

Complaint narrative:
XXXX  did NOT verify my account still even after taking in all my personal data. They have ssn, face scan, driver permit, and utility bill. Been almost a week and no response. I only have 1 acc, nothing else. Ticket- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: VA

Complaint narrative:
Dear Trellis company, I am writing in regard to a collection account placed on my credit. I am for certain that I do not owe you any money. Therefore, I am requesting the following : -Provide the purchase agreement to show full ownership of such an account - Tell me what this money that you say I owe is for ; - Show me how you calculated what you say I owe ; -Copies of any papers that show I agreed to pay what you say I owe ; - Show me that you are licensed in my state, and give me your licensing number ; - Stop contacting me about this or any other matter you have, except to provide me with proof that I owe what you say I owe. 
I demand that you also send a copy of this dispute to the company that you say I owe money to so that do not report this on my credit report. 
I further demand that since you have reported me to a credit reporting company, you tell them that I do not agree with this debt. 

When i spoke with your company it was confirmed that the information in the database does not match my information. Which confirms fraudulent information. 
This needs to be removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-12 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: NC

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed.

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus.

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-08-12 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-12 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: MN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-12 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:
Heres a complete, polished version of your new CFPB complaint referencing Avants response and attachments, ready to submit through the CFPB portal : -- - Company : XXXX XXXX Avant , LLC Issue : Incorrect information on your report Complaint Text : AvantXXXX responded to my prior complaint ( # XXXX ) by submitting a Cardmember Agreement, billing statements from XX/XX/XXXX through XX/XX/XXXX, and a formal response letter. 

After carefully reviewing these documents, I confirm that AvantXXXX has failed to provide sufficient legal proof to justify continued reporting of account # XXXX, specifically : The Cardmember Agreement provided is a generic form and does not contain my signature nor any evidence that I authorized this account. 

The billing statements fail to demonstrate Avant/XXXXXXXX ownership or legal right to report this debt, with no documentation of assignment or transfer. 

No 1099-C or any other document showing debt cancellation or resolution has been provided, despite the account being reported as charged-off and written off.

Avant/XXXX continues to report this account without proper verification, causing ongoing harm and violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Requested Resolution : I respectfully request the CFPB require Avant/XXXX to : 1. Immediately and permanently remove this account from all credit reports.

2. Provide full documentation including a valid, signed agreement in my name, complete payment history, proof of ownership or assignment, and any applicable tax documents ( such as 1099-C ).

3. Cease reporting unverifiable or inaccurate information in compliance with federal law. 



Company 's Response Attached please find Avant 's response to XXXX XXXX 's Consumer Complaint, Complaint ID No. XXXX. We trust that the response resolves this matter. Please feel free to contact the Avant Complaints Department at XXXX should you have any further questions. 
AttachmentsCardmember Agreement.pdf ( 75.4 KB ) XXXX XXXX CFPB Response.pdf ( 186.4 KB ) Billing Statements XX/XX/XXXX to XXXX XXXX.pdf ( 2.8 MB ) Billing Statements XX/XX/XXXX to XXXX XXXX.pdf ( 795 KB )

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally request supporting documentation regarding a late payment that appears on my credit report for the account referenced below. I believe this item may have been reported inaccurately and would appreciate any available details or verification related to the entry. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information reported. 


Account Name : 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 2025-08-12 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NY

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

1681c2 ) that you, the Equifax 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
What happened : This is a follow-up to my prior CFPB complaint ( # XXXX ) against Transunion regarding the inaccurate reporting of XXXX XXXX business credit card accounts on my personal credit report. 

In my original complaint, I explained that these are business accounts only, for which I never signed a personal guarantee and have no personal liability. I provided proof that the accounts had previously been removed from my personal report in XXXX, but they reappeared in XXXX following an alleged delinquency. 

I requested documentation from the furnisher or TransUnion proving any personal liability for the disputed XXXX XXXX business credit card accounts, including any signed personal guarantee. I also requested a detailed explanation of the steps taken to verify the accounts, the source of any verification, and compliance with the Fair Credit Reporting Acts reinsertion and reinvestigation provisions. 

The companys response to my complaint was inadequate and failed to address the core issues : No proof of personal liability : The company provided no documentation from the furnisher showing that I personally guaranteed or am personally responsible for the accounts. 

No explanation for reinsertion : They did not address why accounts previously deleted were reinserted in XXXX, or whether they obtained the certification required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

No reasonable reinvestigation : Their response was essentially a generic description of their process, without explaining the specific steps taken in my case or how they reviewed the evidence I submitted. 

Violation of the FCRA : Under the Fair Credit Reporting Act, the company is obligated to delete unverifiable information and provide a clear summary of the reinvestigation results. They did neither. 

The inaccurate reporting of these accounts has caused a significant drop in my credit score and harmed my ability to obtain credit.

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 2025-08-12 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has been inaccurately reported on my credit file. My records clearly demonstrate that all payments for this account have been made on time, without exception. This inaccurate reporting is causing undue harm to my creditworthiness and does not reflect my actual payment history.

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 2025-08-12 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: PA

Complaint narrative:
Permanently delete the following fraudulent accounts and all related inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block all identity theftrelated data as required by 15 U.S.C. 1681c2, provide a corrected and updated credit report, and send written confirmation of the deletions and blocks within 4 business days of receiving my 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 2025-08-12 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: OH

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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