vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I'm contacting you regarding a credit inquiry that was made without my permission. I want to be absolutely clear : I never gave this companynor anyone acting on their behalfany authorization to access or pull my credit report.

This was done without my knowledge or consent, and as such, it qualifies as an unauthorized and fraudulent inquiry under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, services, or any financial product from this company, and I have no existing relationship with them that would justify this kind of access.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I am filing this complaint against XXXX XXXX and XXXX  and XXXX for XXXX reporting a late payment on my credit report, despite the fact that the payment was made before the due date. This violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i. 

I have documentation showing that my payment was made before the due date of XX/XX/year> and processed. Despite this, the account is being reported with a late payment for XX/XX/year> on my XXXX  credit report. 

I contacted XXXX  to dispute this error, and they refused to conduct an independent investigation. Their representative told me they only report what the creditor tells them and do not require the furnisher to provide any documentation or evidence. This is a violation of their duty under FCRA 1681i to conduct a reasonable investigation of disputed information. 

I have contacted both the creditor and XXXX, provided proof of timely payment, and yet the inaccurate late payment remains. This false information is damaging my credit and causing financial harm. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to : 1. Compel the furnisher to correct the XXXX XXXX inaccurate information and stop reporting false late payments. 
2. Require XXXX  to conduct a proper investigation and remove the inaccurate reporting from my file. 
3. Investigate potential systemic violations of FCRA policies regarding dispute handling. 

Evidence Submitted : Credit report showing the false late payment Proof of payment ( e.g., payment confirmation, bank transaction )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: CT

Complaint narrative:
I am filing this complaint against XXXX XXXX and Experian and TransUnion for inaccurately reporting a late payment on my credit report, despite the fact that the payment was made before the due date. This violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i. 

I have documentation showing that my payment was made before the due date of XX/XX/year> and processed. Despite this, the account is being reported with a late payment for XX/XX/year> on my Experian credit report. 

I contacted Experian to dispute this error, and they refused to conduct an independent investigation. Their representative told me they only report what the creditor tells them and do not require the furnisher to provide any documentation or evidence. This is a violation of their duty under FCRA 1681i to conduct a reasonable investigation of disputed information. 

I have contacted both the creditor and Experian, provided proof of timely payment, and yet the inaccurate late payment remains. This false information is damaging my credit and causing financial harm. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to : 1. Compel the furnisher to correct the XXXX XXXX inaccurate information and stop reporting false late payments. 
2. Require Experian to conduct a proper investigation and remove the inaccurate reporting from my file. 
3. Investigate potential systemic violations of FCRA policies regarding dispute handling. 

Evidence Submitted : Credit report showing the false late payment Proof of payment ( e.g., payment confirmation, bank transaction )

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 2025-06-10 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am a Texas resident. I obtained a personal loan from XXXX  that was originated by XXXXXXXX XXXX XXXX XXXX XXXXXXXX, but every aspect of the loan marketing, underwriting, servicing, payment collection, credit reporting is handled by XXXX. 

True-lender & licensing issue Because XXXX  bears the predominant economic interest, it is the true lender and must hold a Texas regulated-lender license ( 342.101 ). It does not.

Usury Texas caps interest at 10 % ( XXXX ). My TILA disclosure shows APR of 64.97 %, far above the cap. 
Under XXXX all interest is forfeited ; treble damages apply. 

Relief requested 1. Waive all illegal interest/fees and accept {$450.00} payoff or zero balance.

2. Delete the tradeline from XXXX XXXX XXXX XXXX XXXX. 
3. Provide proof within 15 days that the banknot XXXX 50 % of credit risk ; if proof is not provided, treat XXXX  as the lender. 
Attachments : contract excerpts, fee table, usury demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ava Finance, Inc
State: RI

Complaint narrative:
Ava Finance 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 Ava Finance, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Ava Finance 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 dis

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: DC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CO

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite efforts to resolve this directly with the reporting agency, it remain unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. I've received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-10 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: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am filing this complaint regarding the continued inaccurate reporting of a late payment for XXXX account # XXXX XXXX XXXX XXXX XXXX  on my credit reports with Experian, Equifax, and TransUnion. 

You were previously notified that this account was reporting a late payment in error. On XX/XX/year>, XXXX issued a letter confirming that the tradeline was not being accurately reflected by the CRA 's. The company acknowledged that the account should reflect paid as agreed, never late and confirmed that they submitted requests to all three credit bureaus to permanently remove the erroneous late payment as a goodwill adjustment on my behalf. 

Despite this confirmation from the furnisher, the incorrect late payment is still being reported, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that information on consumer credit reports be accurate and complete. There is no justification for the credit bureaus to ignore a direct update from the data furnisher confirming the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the continued inaccurate reporting of a late payment for XXXX account # XXXX XXXX XXXX XXXX XXXX  on my credit reports with Experian, Equifax, and TransUnion. 

You were previously notified that this account was reporting a late payment in error. On XX/XX/year>, XXXX issued a letter confirming that the tradeline was not being accurately reflected by the CRA 's. The company acknowledged that the account should reflect paid as agreed, never late and confirmed that they submitted requests to all three credit bureaus to permanently remove the erroneous late payment as a goodwill adjustment on my behalf. 

Despite this confirmation from the furnisher, the incorrect late payment is still being reported, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires that information on consumer credit reports be accurate and complete. There is no justification for the credit bureaus to ignore a direct update from the data furnisher confirming the error.

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 2025-06-10 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: CA

Complaint narrative:
I am a victim of identity theft. I submitted a formal dispute to Experian with a sworn affidavit, identity theft report, government-issued ID, and proof of address. Under FCRA 605B, Experian is required by law to block and remove all fraudulent information within 4 business days.

Experian has failed to remove : Fraudulent accounts Unauthorized inquiries False names Incorrect address This is a violation of my federal rights and is actively damaging my credit profile.

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 2025-06-10 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:
TransUnion has personally injured me under the FCRA by not showing disputed items as disputed, failure to remove un-validated some of which resulted in judgements, and other violations of Federal and Florida Consumer Laws. XXXX XXXX XXXX requested permanent deletion and removal as per telephone call, yet, TransUnion continued to report unvalidated debt with obvious error causing severe damage to my score.

TransUnions Complicity in Systemic Violations Failure to Correct Errors Despite Legal Action Ignored CFPB complaints from XX/XX/year>, failing to remove disputed accounts in violation of Florida Stat. 559.72 ( 9 ).

Did not act on formal legal requests from XXXX XXXX XXXX ( XXXX ) demanding deletion of unverifiable charge-offs. 

Credit accounts involved in prior lawsuits ( XXXX XXXX XXXX XXXX XXXX XXXX ) still reflect negative marks, demonstrating deliberate noncompliance.

Artificially Lowering Credit Score Due to Unlawful Reporting Sustained reporting of charge-offs each month ( XXXX ) directly impacted credit score under Florida Stat. 559.77.

TransUnion failed to acknowledge and remove fraudulent derogatory marks despite consumer protests and evidence. Attorney will be receiving copies of all documents to file relavant recovery for damages of uncorrected items. Furthermore the 2 charge offs by XXXX are false and misleading since they are not the original Creditor as they indicate. This is another violation.

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 2025-06-10 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US 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 2025-06-10 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 US 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 2025-06-10 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: DC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief