vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Ava Finance, Inc
State: OK

Complaint narrative:
Ava finance is scamming me and sending fraudulent charges while lying about it. I've asked them stop stop numerous times AFTER canceling my subscription. They advertise a line of credit, which you can even use. I was able to add XXXX subscription to to it, nothing else, and they charged me XX/XX/XXXX times the amount to even do so, so I canceled and deleted everything. They are still charging me XX/XX/XXXX months later, even somehow added another subscription on there that I myself couldnt even add. I've told them to stop over and over and now they are just charging more likeness some kind of game to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-11-05 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 request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AVANTE
State: KY

Complaint narrative:
XXXX was a workman 's comp visit to the XXXX  at XXXXXXXX XXXX XXXX XXXX XXXX XXXX all was paid but XXXX XXXX and some change. my company XXXX XXXX XXXX  ) said they paid all bills involved in the accident. a collection co.put this on my credit report as unpaid medical!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am submitting this complaint regarding an unresolved duplicate charge dispute with Discover Card Services. Despite providing clear and repeated documentation, Discover has ruled XXXX separate times that the charge in question is valid. The evidence shows otherwise. 
Summary of the Issue : Merchant : XXXXXX/XX/XXXXXXXX XXXX & XXXX Amount : {$190.00} Transaction Dates : XX/XX/year>, and XX/XX/year> Issue : Duplicate finalized charge merchant confirms receipt of only XXXX payment Total lodging owed : {$760.00} Total charged by Discover : {$950.00} I have provided Discover with documentation that clearly demonstrates : The merchant received only XXXX initial deposit of {$190.00} and confirmed this in writing including the fact that they spoke to me and were confused by the duplicate charge. 
My Discover statement shows XXXX identical charges, both posted ( not pending ). 
My booking invoice supports the correct total and payment sequence. 
Despite this, Discover has repeatedly closed my dispute in favor of the merchant, stating that the charge is valid. It appears that the dispute reviewers have not correctly reviewed or understood the documentation or the issue ( duplication ). 
When I discuss it with someone on the phone they see the issue and the initial dispute was not entered as a duplicate which is where some of the issue may have arisen. 
I have attached copies of all relevant documentation, including : Discover statements showing duplicate charges ; Written correspondence from the merchant confirming receipt of XXXX payment ; My invoice and booking details ; Discovers dispute determination letters. 
Requested Resolution : I am requesting that the CFPB review this case and request Discover to perform a senior-level or executive re-investigation into this duplicate charge and correct my account accordingly. I am also asking that Discover be required to explain why the documentation confirming the duplication has been disregarded in XXXX prior determinations. 
This dispute represents nearly {$200.00} and has been ongoing for several months. I have attempted to resolve it directly with Discover multiple times and am now requesting CFPBs oversight to ensure a fair and accurate review. 
Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: AZ

Complaint narrative:
Experian has failed to conduct fair adequate and accurate investigation methods to verify this chargeoff. Furthermore experian continues to report inaccurate information infringing on my rights after already failing to conduct proper methods of validation pursuant to consumers entitled rights.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because my consumer report contains false, inaccurate, and unverifiable information that is severely damaging my credit profile and violating my consumer protection rights under federal law. I have consistently requested fair investigation and correction, but the credit bureaus and furnisher have failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am now seeking the Consumer Financial Protection Bureaus intervention to ensure these violations are corrected immediately. 

ACCOUNTS XXXX XXXX XXXX # XXXXXXXX XXXX Balance : {$16000.00} Opened : XX/XX/year> Charge Off This account remains unverified and inaccurate. No original contract, proof of ownership, or account validation has been provided. Reporting an alleged debt without proof violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ). The inconsistent balance reporting shows unreliable data. I demand deletion for failure to validate under FCRA 611 ( a ). 

XXXX XXXX # XXXXXXXX XXXX Balance : {$3000.00} Opened : XX/XX/year> Charge Off This charge-off has never been properly validated. XXXX  has failed to produce signed documentation or verified proof. Reporting unverifiable data violates FCRA 607 ( b ), 609 ( a ) ( 1 ) ( A ), and 611 ( a ). Inconsistent information and missing documentation prove lack of accuracy. I request immediate deletion for repeated noncompliance.

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations. The reporting entities have ignored my previous disputes and continue to report false, incomplete, and unverifiable data. I demand immediate deletion of the false address and the inaccurate XXXXXXXX XXXX XXXX  charge-off account, as they are both violating my rights under federal law. Continued reporting of inaccurate data after dispute is a knowing and willful act of non-compliance. I am requesting confirmation of all actions taken to resolve these violations and restore the accuracy of my credit report in accordance with federal consumer protection laws.

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 2025-11-05 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 2025-11-05 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: CA

Complaint narrative:
I am contacting you to formally dispute and demand the removal of an unauthorized credit inquiry that has appeared on my credit report. Let me be absolutely clear I never gave this company permission, in writing or otherwise, to access my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit inquiry is only legal if there is a permissible purpose and clear, verifiable authorization from the consumer. This inquiry fails both tests. I have no relationship, application, or agreement with this company that would justify such access, making it both unauthorized and a direct violation of my consumer rights.

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 2025-11-05 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-05 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: ND

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Good day, I am writing this complaint once more, and this is the second time I have done so. There are still accounts on my credit report that should not be there, despite the fact that I addressed your organization with a dispute the previous month, in which I made it quite clear which accounts were fake and which accounts were in issue.

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 2025-11-05 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: FL

Complaint narrative:
I have formally disputed several inaccurate and unverifiable items under FCRA 602, 607 ( b ), 611, 623 and Metro 2 compliance requirements. 

TransUnion continues to report an unverified XXXX XXXX XXXX  ( {$320.00} ), inflated XXXX XXXX balances, and multiple unauthorized hard inquiries ( XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ). These inquiries were not tied to any open or approved accounts. 

Experian retains obsolete addresses and outdated employment data, and shows the same inquiries despite no permissible purpose. 

Equifax reports an inaccurate child-support account ( Closed and Placed for Collection ), a duplicate XXXX XXXX XXXX inflated revolving balances, and the same unauthorized inquiries. 

Each bureau is in violation of FCRA 607 ( b ) ( failure to assure maximum accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ).

I request CFPB intervention to compel deletion or correction of all unverified accounts, inquiries, and obsolete data, and to ensure compliance with Metro 2 reporting standards.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Act promptly to remove disputed accounts as prescribed 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 2025-11-05 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX for the inaccurate reporting of late payments on my credit file. The following accounts are being reported incorrectly : XXXX Account # XXXX High Balance : {$12000.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment XXXX  Account # XXXX High Balance : {$8500.00} Date Opened : XX/XX/XXXX Reported Status : Late Payment I strongly dispute the accuracy of these late payment notations. I have never made a late payment to XXXX for either of these accounts. The reported information is false, misleading, and damaging to my credit reputation. 

I have already contacted the credit reporting agencies to dispute this matter, yet the accounts continue to be reported inaccurately. XXXX has failed to provide proper verification or documentation to substantiate their claim of any late payments as required under the Fair Credit Reporting Act ( FCRA ) 623. 

This inaccurate reporting is a direct violation of the FCRA, which mandates that furnishers of information must ensure complete and accurate data is reported. Their failure to correct this misinformation is causing unjust harm to my creditworthiness. 

I am requesting that the CFPB investigate XXXX  reporting practices and take appropriate enforcement action to ensure compliance with the FCRA. I also request that these inaccurate late payment notations be immediately corrected or removed from my credit file. 

I am attaching copies of my dispute letters, supporting documentation, and recent credit reports for your reference. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate measures to ensure that my consumer rights under federal law are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 XXXX cXXXXe XXXX ( b ) and XXXX XXXX  XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$8500.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1400.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$440.00} XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1800.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$420.00} XXXX XXXX  XXXX - Date Opened XX/XX/XXXX - Balance {$4500.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$4200.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1800.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$13000.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$2200.00} XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$3500.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$590.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$7100.00} XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Enforce timely removal of any disputed accounts in accordance with legislation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-05 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My mortgage was increased by {$190000.00} do to a loan tranfer. I am requesting a list and contact info of all companies and individuals who received payments in my and spouses behalf since we did not touch or payoff anyone with these approved fund. These funds were approved and used by these companies to payoff debt of their chosen and not ours. XXXX XXXX, XXXX XXXX  and Wells Fargo. We have had zero access to {$190000.00} of these funds. We have paid off the originator mortgage and overpaid another {$65000.00} and request refund.

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