vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
lost my car in XX/XX/2025 due to a car accident and am currently without a vehicle, as I am unable to manage the loan payments. I have continued to pay as much of the loan as possible ; however, without a car, I have been unable to work and move about effectively. Unfortunately, the company has not been helpful and has not offered any options for refinancing that would enable me to acquire a new car, which would assist me in repaying the existing loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C 1681i ) and 609 ( 15 U.S.C 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C 1692g ), I am writing to dispute the following collection Account the appears on my recent credit report : * * Creditor/Collection Agency Name : Portfolio Recovery * * AccountNumber ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collectiion Agency Name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX  Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Arivo Acceptance, LLC
State: AZ

Complaint narrative:
In XXXX, I ( XXXX XXXX ) was referred by my bankruptcy attorney to a dealership in XXXX. I was financed through Arivo Acceptance for a XXXX XXXX XXXX with over XXXX miles, at a loan amount of over {$16000.00}. In XXXX, my son XXXX XXXX, also post-bankruptcy, was referred to another dealership and financed through XXXX for a XXXX XXXX XXXX XXXX with over XXXX miles, also at a loan amount exceeding {$19000.00}. 

These loans were made despite both vehicles being significantly overvalued compared to their market value at the time. For example, in XXXX, a XXXX XXXX with XXXX miles was worth between {$10000.00} {$11000.00}, not {$16000.00}. Both vehicles have experienced serious mechanical issues, and our financial situations did not support the high payments. 

We believe Arivo and their partnered dealerships targeted us as post-bankruptcy consumers, engaging in predatory lending by offering inflated loans on depreciated vehicles at high interest rates. These loans were made after legal referrals, giving us a false sense of trust. 

Further, Arivo Acceptance has engaged in harassing collection practices in violation of the Fair Debt Collection Practices Act. Despite requests to communicate only via email, they continue to call repeatedly sometimes contacting family members, which we did not authorize. 

Weve also found many online reviews from other customers describing the exact same pattern : referred by attorneys, placed in older vehicles, inflated loan balances, and poor customer service. This suggests a systemic issue of unfair and deceptive lending and debt collection practices targeting vulnerable borrowers. 

Desired Resolution : We are requesting : Cancellation of both loan contracts with Arivo Acceptance.

Full release of lien for both vehicles. 

Permanent cease & desist from phone calls or family contact.

Immediate removal of these loans from our credit reports, or updated to show Closed Invalidated Due to Dispute. 

Investigation into Arivo 's lending practices with post-bankruptcy customers in Arizona.

We are submitting this complaint in good faith and have already sent a formal demand letter to Arivo and the referring attorneys/dealerships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C 1681i ) and 609 ( 15 U.S.C 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C 1692g ), I am writing to dispute the following collection Account the appears on my recent credit report : * * Creditor/Collection Agency Name : Portfolio Recovery * * AccountNumber ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collectiion Agency Name : XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX  Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Account NumberXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: GA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 

Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : Creditor XXXX : XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX, Date of Inquiry : XX/XX/XXXXXXXX  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : - Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
- Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

- Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

- Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

- XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX I sent money on Venmo thinking I was applying for a home and getting ready to rent a home because I had less than a week to move before I was on XXXX XXXX with no where to go. Thinking I had found somewhere I paid the money to assure Id receive the keys and get to move but days later and nothing no keys just constant excuses and now ignored when I have continued asking for my money to be sent back. 
I received pictures ( same as ones on XXXX XXXX ) Address Pictures of a drawn up lease with my name and the so called landlord of the property on it as well. 
I requested my money back again today XXXX but no answer or anything from the number at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
Dispute of Inaccurate Credit Reporting Collection Account To Whom It May Concern, I am writing to dispute the accuracy of the collection account listed on my credit report. The account is reported by XXXXXXXX XXXX XXXX XXXX 
This account is inaccurate for the following reasons : I was never notified by my landlord of any balance due after moving out. 
I never received an itemized bill, court notice, or collection notice from the landlord before this account appeared on my credit report. 
The amount reported is incorrect and unverified. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated. Please provide verification of the alleged debt, including all supporting documentation. If the account can not be verified, it must be removed from my credit report. 
Please provide documentation that I recieved any signed court order or was notified from the landlord with the description and amount to be able to dispute in any notices. 
Please confirm the results of your investigation in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: FL

Complaint narrative:
Dispute of Inaccurate Credit Reporting Collection Account To Whom It May Concern, I am writing to dispute the accuracy of the collection account listed on my credit report. The account is reported by XXXXXXXX XXXX XXXX XXXX 
This account is inaccurate for the following reasons : I was never notified by my landlord of any balance due after moving out. 
I never received an itemized bill, court notice, or collection notice from the landlord before this account appeared on my credit report. 
The amount reported is incorrect and unverified. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this account be investigated. Please provide verification of the alleged debt, including all supporting documentation. If the account can not be verified, it must be removed from my credit report. 
Please provide documentation that I recieved any signed court order or was notified from the landlord with the description and amount to be able to dispute in any notices. 
Please confirm the results of your investigation in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
They have called me 14 times in five days, and they keep calling from unknown numbers. Ive also gotten hangup calls from them. They will not leave me alone, and I have told them to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
This account is currently under an active payment agreement, and I am paying American Express directly. Despite this, the account is still being reported as a charge-off, which is inaccurate and misleading. Reporting a charge-off while I am making direct payments is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), as it does not reflect the current and accurate status of the account. I am requesting that the charge-off be deleted immediately and that the account status be updated to accurately reflect my active payment agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up because it has been several weeks since my original complaint, and the credit reporting agencies Experian, TransUnion, and Equifax have failed to provide any resolution. Instead, I continue to receive stalling messages that investigations are pending. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), which requires completion of investigations within 30 days.

I have already submitted multiple prior complaints through the CFPB regarding the same accounts, yet the derogatory information remains on my credit report. The bureaus have failed to provide me with any
documentary proof that these accounts including those from XXXX XXXX XXXX  ( XXXX  ), XXXX XXXX, XXXX, and other charge-offs or closed accounts belong to me or were ever lawfully validated. No contracts, no account-level documentation, no original signed applications, nothing has been provided.

I am also deeply concerned that my personal data may have been compromised in the XXXX XXXX XXXX  data breach, which undermines the integrity of what is being reported and raises doubts about the accuracy of these accounts.

The continued presence of unverified and inaccurate information is actively harming my ability to obtain rental housing, transportation, and employment. I have given the bureaus ample opportunity to investigate and respond lawfully. Instead, I am being ignored, stalled, and deprived of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CA

Complaint narrative:
I am submitting this follow-up because it has been several weeks since my original complaint, and the credit reporting agencies Experian, TransUnion, and Equifax have failed to provide any resolution. Instead, I continue to receive stalling messages that investigations are pending. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ), which requires completion of investigations within 30 days.

I have already submitted multiple prior complaints through the CFPB regarding the same accounts, yet the derogatory information remains on my credit report. The bureaus have failed to provide me with any
documentary proof that these accounts including those from XXXX XXXX XXXX  ( XXXX  ), XXXX XXXX, XXXX, and other charge-offs or closed accounts belong to me or were ever lawfully validated. No contracts, no account-level documentation, no original signed applications, nothing has been provided.

I am also deeply concerned that my personal data may have been compromised in the XXXX XXXX XXXX  data breach, which undermines the integrity of what is being reported and raises doubts about the accuracy of these accounts.

The continued presence of unverified and inaccurate information is actively harming my ability to obtain rental housing, transportation, and employment. I have given the bureaus ample opportunity to investigate and respond lawfully. Instead, I am being ignored, stalled, and deprived of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Between XXXX and XXXX, I submitted multiple written disputes to XXXX, Experian, and TransUnion regarding inaccurate, obsolete, and unverifiable information appearing on my credit reports. Despite sending several dispute letters and a final demand letter in XX/XX/XXXX, the bureaus have failed to properly reinvestigate and delete the disputed items. 

The inaccurate reporting includes : Collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and family support accounts being misreported as consumer credit charge-offs. These accounts show duplicate reporting, conflicting balances, and unverifiable data. 

Outdated personal information, including old addresses and incorrect employment. 

The credit bureaus continue to report these items in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( b ), 1681i, and 1681s-2 ). These errors are causing ongoing financial harm by lowering my credit scores and blocking access to credit opportunities.

I am requesting CFPB assistance to ensure the credit reporting agencies : Delete all inaccurate, obsolete, and unverifiable accounts.

Remove outdated personal information.

Provide me with updated credit reports reflecting these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Escalation Request {$100.00} Held Under Review for an extended amount of time. 

To Whom It May Concern, I am writing to formally request escalation of a payment issue that has remained unresolved for over a month. On XX/XX/year>, Cash App placed a {$100.00} transaction under review, and based on my communication with customer service, the only possible trigger appears to be the use of a ban flag emoji. 

I have contacted support multiple times and have only received generic responses with inaccurate or false timelines, promises of follow up emails that never arrive, and no access to a compliance specialist. This lack of transparency and resolution is unacceptable. 

The transaction did not involve any prohibited parties or destinations, and I believe this flagging was the result of an automated filter misinterpreting the emoji. I am requesting : A formal review of the transaction by a compliance specialist A clear explanation of the reason for the hold Immediate refund of the {$100.00} I am prepared to file a complaint with the Consumer Financial Protection Bureau if this issue is not resolved promptly. I am also documenting this experience for public awareness, as it reflects poorly on Cash Apps customer service and compliance handling. 

I do hope someone sees this, please escalate this matter and respond with a resolution. 

Thank you for your time.

Company response to consumer: Closed with explanation