vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX my account was locked out because of what I was told account updating. Every mth I call to make a payment, so the account representatives would call me to make a payment. I would agree and they were unable to bring up the account stating again account was updating. I spoke to 2 different customer managers and was told the software had lost accounts when it was being moved databases. This went on until XX/XX/XXXX. When I was informed the software was fixed and access was restored. By this time my personal loan was sold to another company and now being sued. 
I was informed by avant by email that it was infact a vendors software issue. During the time frame my credit reporting was negatively reported, had a large amount of bank fees as I was unable to stop unauthorized bank withdrawals. When I tried to stop the withdrawals at the bank, Avant changed the id and other codes this led to 3 or more withdrawals a mth. I had to close my account and reopen a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
TransUnion is reporting breach-related accounts and inaccurate late payments that are unverifiable and non-compliant.

Breach Accounts : XXXX XXXX XXXX is being reported as a collection with no validation, no signed agreement, and no lawful permissible purpose. 

XXXX XXXX XXXX is being reported as a charge-off, despite being excluded under FCRA 1681a ( 2 ) ( A ) ( i ) and lacking original documentation. 

Late Payments : XXXX XXXX accounts are reporting XXXX lates without proper validation or permissible purpose. 

XXXX, a closed account, is still reporting derogatory payment history. 

XXXX student loans are showing late payments during protected forbearance and XXXX  periods under the XXXX XXXX. 

TransUnion has failed to provide billing statements, posting logs, or proof of mailing. Instead, it relies on automated furnisher responses, which XXXX v. TransUnion prohibits as an independent investigation. 

These errors have caused serious harm lowering my credit score, increasing borrowing costs, and causing emotional stress.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX SSN : XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Against TransUnion Willful Noncompliance with FCRA To Whom It May Concern : I am filing this complaint against * * TransUnion, LLC * * for ongoing violations of the * * Fair Credit Reporting Act ( FCRA ) * * and for failing to ensure the accuracy, completeness, and security of my consumer credit file. Despite multiple disputes, TransUnion continues to report derogatory accounts that are inaccurate, unverifiable, and compromised by their own admitted failures. 
As evidence, I am attaching XXXX letters that TransUnion sent me XXXX XXXX XXXX XXXX  Letter dated XX/XX/year>XXXX XXXX XXXX  TransUnion admitted it was * unable to locate my credit report * without additional verificationXXXX XXXX XXXX XXXX Letter dated XX/XX/year>XXXX XXXX XXXX TransUnion admitted a * data breach compromised my Social Security Number and Date of Birth *. These admissions demonstrate that TransUnions records are unreliable, compromised, and unverifiable. Under * * FCRA 1681e ( b ) * *, TransUnion must ensure maximum possible accuracy. Under * * FCRA 1681i * *, it must delete unverifiable data. They have failed to do so. 
The following accounts are currently in dispute : XXXX XXXX XXXX loan account with inaccurate derogatory/charge-off status. 
XXXX XXXX XXXX Credit card account previously disputed, marked resolved but still inaccurately reported. 
XXXX XXXX credit account reported as charge-off/collection with unverifiable or outdated information. 
I request that the CFPB investigate TransUnions willful noncompliance with federal law and take enforcement action. Specifically, I demand that TransUnion be compelled to : 1. Immediately delete all inaccurate, unverifiable, and compromised derogatory accounts. 2. Provide documented proof of compliance with FCRA reinvestigation standards. 3. Address and remediate the risks caused by their admitted * * data breach * * involving my personal information. TransUnions conduct constitutes reckless disregard for consumer rights and has caused ongoing harm to my creditworthiness and financial stability. 
Thank you for your attention to this matter. I look forward to your prompt investigation and enforcement action. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
This debt has not been validated. No one called me to verify the debt before they put it on my credit report. Thats the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NV

Complaint narrative:
I entered into a financing agreement with EasyPay Finance on XX/XX/year>, for {$2400.00}. My contract included a XXXX XXXX XXXX XXXX XXXX, which clearly states that if I paid the entire balance within the promotional period ending XX/XX/year>, finance charges would not exceed {$40.00}. 

According to my payment records, I fully paid off the financed amount by XX/XX/year>, yet EasyPay charged me {$1000.00} in interest. This is over {$1000.00} more than the contractual limit and directly violates the terms of my agreement.

Relief Requested : 1. A full refund of excess interest charges beyond {$40.00}.

2. A corrected account statement showing my loan paid in full per the promotional terms.

3. Written confirmation that my credit report, if affected, will be updated to show the account closed in good standing.

This is a serious breach of contract and potentially a violation of the Truth in Lending Act and unfair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. 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, Equifaxs 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
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
All the accounts and emails are mine. I'm XXXX so people have to do stuff for me. I ended up getting XXXX and taken advantage of. I had absolutely nothing to do with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Sezzle Inc.
State: LA

Complaint narrative:
My credit report clearly states I am a victim of identity theft. I have submitted my ftc reports along with police records multiple times to XXXX. I have XXXX accounts that they claimed they verified which is not true. There is a Sezzle account using my information with a XXXX, la address which I dont live and never had connection to. Also XXXX funding reporting a paid debt to XXXX  with no paperwork proving I owe them anything, they are submitted an old contract from XXXX XXXX XXXX XXXX XXXX XXXX was paid in full but sold my information to this company who used my information to cause hardship in my life. I currently am going to court for this matter and waiting on arbitration in the matter. XXXX  is not validated these matters and are claiming they are. 
My data has been smeared, sold, and purchased due to the misconduct of the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
My credit report clearly states I am a victim of identity theft. I have submitted my ftc reports along with police records multiple times to XXXX. I have XXXX accounts that they claimed they verified which is not true. There is a XXXX account using my information with a XXXX, la address which I dont live and never had connection to. Also XXXX funding reporting a paid debt to XXXX  with no paperwork proving I owe them anything, they are submitted an old contract from XXXX XXXX bank. XXXX  XXXX bank was paid in full but sold my information to this company who used my information to cause hardship in my life. I currently am going to court for this matter and waiting on arbitration in the matter. XXXX  is not validated these matters and are claiming they are. 
My data has been smeared, sold, and purchased due to the misconduct of the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This is a formal demand for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

You reported the following account to the credit bureaus : Debt Collector : Jefferson Capital Systems LLC Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$590.00} Date Opened : XX/XX/year> Date First Reported XXXX XXXX XXXX XXXX This tradeline is inaccurate and unlawful for the following reasons : XXXX. 15 U.S.C. 1692g ( a ) You failed to provide a valid written validation notice within XXXX  days of the alleged account opening. Instead, you sent me an unsolicited email on XX/XX/year>. I never consented to electronic delivery under the E-Sign Act ; therefore, this does not fulfill your statutory duty. 
XXXX. 15 U.S.C. 1692g ( b ) You furnished this account to the credit bureaus before providing proper validation, which constitutes impermissible collection activity. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) You furnished conflicting and inaccurate information. On XX/XX/year>, your email stated the balance was {$590.00}, but on my Experian and TransUnion reports you furnished {$590.00}. Reporting different balances for the same account is factually inaccurate and misleading. 
XXXX. 15 U.S.C. 1692e & 1692f By misrepresenting the amount of the alleged debt, you engaged in deceptive and unfair collection practices. 

Your inconsistent reporting has already caused measurable harm by lowering my credit score and damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
This company has refused to remove this illegal debt neither did they contact me to verify the debt before adding it to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 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:
I see that inaccurate accounts continue to appear on my credit report, and they remain unresolved. I am requesting a thorough review of the documents Ive included to ensure I can finally have peace of mind regarding 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 explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am submitting this complaint against [ Equifax / Experian / TransUnion ] due to repeated violations of the Fair Credit Reporting Act. I have filed multiple disputes about numerous derogatory accounts including charge-offs, closed accounts, and collection entries from XXXX, XXXX, XXXX, XXXX, and others. Despite my repeated efforts, these accounts remain on my report, continue to damage my credit, and prevent me from obtaining rental housing and vehicle financing. The bureaus have failed to investigate these disputes properly, provide verification, or remove outdated and unverifiable information. Additionally, my credit report reflects incorrect and unfamiliar addresses, which further calls into question the reliability of the information being reported. I have submitted past complaints through CFPB, but no satisfactory resolution has been provided, and the same accounts persist. I continue to receive calls from collection agencies for accounts that are supposedly closed or charged off, which may be in violation of FDCPA. These errors are materially harming me. I demand the immediate and permanent deletion of all disputed, unverifiable, and incorrect accounts, along with correction of all personal information, including addresses. The bureaus have had more than enough time and opportunity to resolve this, and further delay is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am submitting this complaint against [ Equifax / Experian / TransUnion ] due to repeated violations of the Fair Credit Reporting Act. I have filed multiple disputes about numerous derogatory accounts including charge-offs, closed accounts, and collection entries from XXXX, XXXX, XXXX, XXXX, and others. Despite my repeated efforts, these accounts remain on my report, continue to damage my credit, and prevent me from obtaining rental housing and vehicle financing. The bureaus have failed to investigate these disputes properly, provide verification, or remove outdated and unverifiable information. Additionally, my credit report reflects incorrect and unfamiliar addresses, which further calls into question the reliability of the information being reported. I have submitted past complaints through CFPB, but no satisfactory resolution has been provided, and the same accounts persist. I continue to receive calls from collection agencies for accounts that are supposedly closed or charged off, which may be in violation of FDCPA. These errors are materially harming me. I demand the immediate and permanent deletion of all disputed, unverifiable, and incorrect accounts, along with correction of all personal information, including addresses. The bureaus have had more than enough time and opportunity to resolve this, and further delay is unacceptable.

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