vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: TX

Complaint narrative:
am filing a complaint regarding AVA ( credit builder program ) for inaccurate reporting, system errors, and failure to respond to multiple attempts to resolve the issue. 

I was unable to make my monthly payment because the AVA platform repeatedly showed no payment due every time I logged into my account. Because of this system error, I could not submit a payment even though I continued receiving emailed statements showing a balance due. 

I contacted AVA and submitted screenshots showing the discrepancy and asked for assistance. I did not receive a response or any correction, and the issue was never resolved on their end. During this time, the company reported my account as delinquent to the credit bureaus, even though their system prevented me from paying. 

This negative reporting has caused significant harm to my credit, despite the fact that the failure to pay was caused by AVAs own system malfunction, not by negligence on my part. 

While waiting for AVA to fix the issue, I also submitted a goodwill request asking for the negative mark to be removed. This was ignored as well. AVA has been unresponsive and has not provided any resolution or acknowledgment of their system error. 

This program has done more harm than good and has negatively impacted my credit through no fault of my own. 

I am requesting the CFPBs assistance in : 1. Having AVA correct the reporting and remove the delinquency from all credit bureaus.

2. Ensuring AVA responds and addresses the system error that prevented payment.

3. Preventing future inaccurate reporting caused by this issue.

I am prepared to provide all screenshots and documentation that show their system displaying no payment due while statements simultaneously showed a balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
This entry incorrectly portrays my payment behavior and should be corrected. Please amend my records to ensure they are accurate.

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 2025-12-08 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: MI

Complaint narrative:
I am filing this complaint because several accounts and inquiries are being reported inaccurately or without proper verification. I have tried to resolve these issues directly with the credit bureaus, but the information remains incorrect. I am requesting the CFPBs assistance to ensure a proper investigation under the FCRA.

Charged-Off Accounts No charged-off accounts reported, but I request confirmation that no unverified charge-off accounts exist.

Inquiries XXXX XX/XX/year> I did not authorize this inquiry or do not recognize it. I request verification or removal. 

Late Payments XXXX XXXX XXXX Acct XXXX XXXXXXXX This late payment is inaccurate. I request verification, including payment history records. If it can not be validated, it should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit 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 2025-12-08 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: AL

Complaint narrative:
I am filing this complaint because TransUnion is reporting multiple items inaccurately and has not properly investigated my disputes. 
Charged-Off I dispute the following accounts as inaccurate or unverifiable : 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 XXXXXX/XX/XXXX The bankruptcy cases must be verified directly with the court, and TransUnion has not shown proof of such verification. 

2. Inquiries ( TransUnion ) I dispute the following inquiries as unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall authorizing these inquiries, and TransUnion has not provided documentation showing that consent was given. 

3. Late Payments ( TransUnion ) I dispute the following late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments are not accurate and have not been properly verified.

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 2025-12-08 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-08 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts 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  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life . Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-12-08 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: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-08 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: Zip Co US Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I used Zip to purchase a {$35.00} digital gift card from XXXX XXXX, which I never received. After contacting XXXX XXXX, they confirmed that a refund had already been processed back to Zip due to non-delivery. Approximately two weeks later, I contacted Zip to report this, but Zip stated they had not received the refund and instructed me to contact XXXX XXXX again. I have since contacted XXXX XXXX multiple times, and each time they confirmed that the money was returned to Zip. As of XX/XX/year>, more than a month after the original purchase, Zip has still not applied the refund and stated they can not process one because they claim no refund was sent to them. I have already paid off my installment in full, I never received the gift card, and Zip has provided no resolution despite continued efforts on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was accepted to a XXXX XXXX in the XXXX XXXX, and wired tuition money to the institution ( {$2400.00} ). I decided not to attend due to lack of federal funding. The wire transfer was returned to me. The other program that I was accepted to had more accessible funding. I paid my deposit ( XXXX ) and a deposit for XXXX ( XXXX ). This school was in a location that began having national security issues. The school returned the deposit for studying to me. I asked Wells Fargo to recover the XXXX to my account, however they duplicated the refund for tuition from the school in the XXXX XXXX giving me an additional ( {$2300.00} - after converting between XXXX and US currency ). 

Wells Fargo admitted to making a duplicate wire refund due to internal error. They then removed all funds from my account, leaving me with a negative balance, and still have not refunded my actual missing {$1700.00} wire. They are refusing to correct the error they acknowledged.

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 monetary relief
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
The company failed to remove an update the credit report which is a violation of the fair collections act and as a result, I am placing a cease and desist on those negative and derogatory listings

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name 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  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) ... 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-XXXX ) that you, the TransUnion credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, an opened account at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *, a personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * * * *. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX. If you are the same person who opened this account ; why are you listed as XXXX XXXX ; when a young woman was opening the account : also you are the XXXX branch on XXXX XXXX and I opened it at XXXX XXXX in XXXX. Is XXXX XXXX still in contact with my accounts, she is listed as new Accounts. 

XXXX. I need my temporary checks and instant debit card. 

XXXX. What happen to my old CD : I had {$1200.00} balance. 
my saving account for {$800.00}. 

XXXX. Furthermore, I went to your XXXX branch for my funds which commence on the XXXX through the XXXX of the month and today is the XXXX of the month ; she was not capable of conducting her research or even checking all my accounts for the where about of my funds or call the department or do anything also didn't give her name. 

The probability of some sort of deduction by social security or other government agency is slim since it is an unauthorized and fraudulent letter as I have come across of it ( lack of signature, lack of stamped date and title, who issue the letter to whom issued to and for what purpose or case ) all the same it is unauthorized deduction and the amount is {$2400.00}. 

The person the address to and the funds directed to have no such letter on file or received any funds ( US Attorney office ; financial litigation ) 8. The address should be XXXX XXXX XXXX XXXX, XXXX CA XXXX. 
XXXX. No Phone number XXXX. Social security ends XXXX XXXX. Email ; XXXX XXXX. The account ownership should be under ; XXXX XXXX XXXX XXXX XXXX : as I do have incoming wire transfer and other form funds arriving under both names.

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 monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-08 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: NY

Complaint narrative:
I am disputing multiple items on my TransUnion credit report. These items contain inaccuracies, conflicting information, and unverified data. Please conduct a thorough reinvestigation. 

INQUIRIES ( UNAUTHORIZED ) I dispute the following unfamiliar or unauthorized inquiries on my TransUnion report : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> If these inquiries can not be verified, I request that they be deleted. 

LATE PAYMENTS ( INACCURATE ) TransUnion is reporting late payments that are incorrect : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please verify or delete these late payments if they can not be verified.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
On XX/XX/year>, BMG Money received a payoff check from XXXX XXXX. I have made several attempts to get the company to update this loan as paid and closed. The company has refused to update the status in XXXX, XXXX, XXXX and we are now in XXXX. Also, the payoff resulted in an overpayment of {$210.00} and as of today, company has refused to provide refund. I have emailed and written. No relief as of today. The account number is # XXXX was paid in full on XX/XX/year>. I have an email dated XX/XX/year> from the company acknowledging as much but have done nothing to update my account.

Company response to consumer: Closed with explanation