vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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 writing to file a formal complaint regarding inaccurate reporting on my Experian credit report. Despite my efforts to dispute certain collection accounts, Experian continues to report these items on my credit file. 

Specifically, I submitted disputes regarding collections that were not validated by the creditor. According to the Fair Credit Reporting Act ( FCRA ), if a creditor fails to validate a debt, the credit reporting agency is required to remove the item from the consumers report. Despite this, Experian has refused to remove the accounts, which constitutes inaccurate reporting and is negatively affecting my credit. 

I am requesting that the CFPB investigate this matter and ensure that Experian corrects my credit report by removing these unvalidated collections. I have attached documentation of my disputes, communications with Experian, and any responses I have received. 

This situation has caused me financial harm and undue stress, and I am seeking resolution to ensure my credit report accurately reflects my credit history. 

Thank you for your attention to this matter. I look forward to your prompt assistance.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Avant credit card.. I called and got a 10 day payoff I sent the check in full on XX/XX/XXXX with tracking they received it on XX/XX/XXXX and per my bank was cashed XX/XX/XXXX. It has never been applied to my card and now its on my credit report of missed payments and late fees and I call them daily and ask for support and supervisors and I cant fix this and its ruining my credit when it should be paid off .. please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
The company financed my vehicle in XXXX  for a 72 month contract and I have made my 72 payments. They changed my contract at some point without my permission to 79 months and stated I deferred payments to the back of the loan. I did not authorize these deferments and I have asked them by phone to send me a copy of where I signed for this and for a copy of the recorded phone calls they have, they have not provided anything and they stated the recordings are for them and no one else. I type a letter, signed it and notarized it and mail it certified requesting a full investigation and the response letter did not cover the investigation. The amount financed was {$33000.00} and the finance charge was {$36000.00} for a total I have paid is {$71000.00}. Now they say I still owe {$18000.00} and that is not accurate, I have paid what I owe and I want my title like I have requested from them via phone and certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
On XX/XX/year>, I filed an official identity theft report with the XXXX. XXXX XXXX XXXX, reference number XXXX, after discovering multiple inaccurate and unauthorized items appearing in my credit files. 

The report includes both fraudulent and unverifiable accounts, as well as several unauthorized credit inquiries. The most recent example is a collection from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX in the amount of {$78.00}, assigned XX/XX/year>. This account does not belong to me and was reported in error or as the result of identity theft. 

I have previously disputed these items with the credit bureaus ( Experian, Equifax, and TransUnion ) and requested that they verify each tradeline and inquiry or delete them if unverifiable, as required under FCRA 1681i. I also requested that they block all identity-theftrelated items under FCRA 605B ( 15 U.S.C. 1681c-2 ) once a valid identity theft report was provided. 

Despite those disputes, these items continue to appear on my reports. I am therefore requesting that all fraudulent and unverifiable accounts and inquiries listed in my attached affidavit be blocked and deleted within the XXXX requirement under FCRA 605B.

My supporting packet includes : Sworn Fraud/Identity Theft Affidavit Copy of the USPS Identity Theft Report confirmation ( Ref # XXXX ) Photo ID and proof of current address I am requesting prompt deletion of the disputed items and written confirmation of the updated credit file from each bureau once the blocks are applied.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I filed an official identity theft report with the XXXX. XXXX XXXX XXXX, reference number XXXX, after discovering multiple inaccurate and unauthorized items appearing in my credit files. 

The report includes both fraudulent and unverifiable accounts, as well as several unauthorized credit inquiries. The most recent example is a collection from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX in the amount of {$78.00}, assigned XX/XX/year>. This account does not belong to me and was reported in error or as the result of identity theft. 

I have previously disputed these items with the credit bureaus ( Experian, Equifax, and TransUnion ) and requested that they verify each tradeline and inquiry or delete them if unverifiable, as required under FCRA 1681i. I also requested that they block all identity-theftrelated items under FCRA 605B ( 15 U.S.C. 1681c-2 ) once a valid identity theft report was provided. 

Despite those disputes, these items continue to appear on my reports. I am therefore requesting that all fraudulent and unverifiable accounts and inquiries listed in my attached affidavit be blocked and deleted within the XXXX requirement under FCRA 605B.

My supporting packet includes : Sworn Fraud/Identity Theft Affidavit Copy of the USPS Identity Theft Report confirmation ( Ref # XXXX ) Photo ID and proof of current address I am requesting prompt deletion of the disputed items and written confirmation of the updated credit file from each bureau once the blocks are applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: NY

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2025-10-23 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
All information is invalid. Dates, total amount, I have worked to try an remove this negative inquiry on my credit. With no XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: New Century Auto Sales, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint because there are multiple unauthorized hard inquiries on my XXXX  credit report that I did not authorize or consent to. I did not apply for credit with any of the listed companies, nor did I grant permission for them to access my credit file. These inquiries appear to have been made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ) 604 ( a ). 

The disputed inquiries are as follows : XXXX XXXX XXXX date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX  Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX I have reviewed my credit reports and personal records and confirmed that I did not initiate or authorize any of these credit applications. I contacted TransUnion to dispute the inquiries, but the issue remains unresolved. 

I am requesting that the CFPB assist in investigating this matter and ensure that TransUnion and the companies listed above comply with the FCRA by removing these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NY

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 2025-10-23 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
My Venmo account was permanently deactivated on XX/XX/year> without a clear explanation. The closure email only stated that there were several concerns regarding my activity, but did not specify what part of the User Agreement or Acceptable Use Policy I allegedly violated. They also sent an identity verification email to which I uploaded my valid documents and they never responded. 

I have never engaged in fraudulent or prohibited activity, and I relied on this account for personal transactions only. I contacted Venmo support to request clarification or appeal options, but their final response stated that they would not answer further inquiries and that the matter was closed. 

I am requesting ( 1 ) a specific explanation or documentation of the reason for the closure, and ( 2 ) confirmation and release of any remaining balance or funds associated with my account. Specifically my cashback rewards from use of the Venmo credit card as well. I have contacted them on separate occasions by phone and email.

I understand Venmo has the right to close accounts, but I believe consumers deserve a clear explanation of what triggered the decision, especially when no opportunity for review or appeal is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I informed XXXX  to show proof on this creditor that a legal contract was signed by me for this credit company to say this amount is owed to them I never received a written statement confirming that this was my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate reporting on my Experian credit report. Despite my efforts to dispute certain collection accounts, Experian continues to report these items on my credit file. 

Specifically, I submitted disputes regarding collections that were not validated by the creditor. According to the Fair Credit Reporting Act ( FCRA ), if a creditor fails to validate a debt, the credit reporting agency is required to remove the item from the consumers report. Despite this, Experian has refused to remove the accounts, which constitutes inaccurate reporting and is negatively affecting my credit. 

I am requesting that the CFPB investigate this matter and ensure that Experian corrects my credit report by removing these unvalidated collections. I have attached documentation of my disputes, communications with Experian, and any responses I have received. 

This situation has caused me financial harm and undue stress, and I am seeking resolution to ensure my credit report accurately reflects my credit history. 

Thank you for your attention to this matter. I look forward to your prompt assistance.

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 2025-10-23 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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