vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Ava Finance, Inc
State: FL

Complaint narrative:
This is my third attempt to resolve this issue through the CFPB due to Ava Finances ongoing system failures and refusal to offer a reasonable goodwill adjustment. I have now experienced the same AutoPay disconnection issue twice, and Ava has still not taken responsibility or provided a resolution. 

In the original incident, Ava reported a late payment for XXXX and XX/XX/year>, even though XXXX was enabled. The company confirmed the issue stemmed from a XXXXXXXX XXXX XXXX meaning their system disconnected my bank account and stopped AutoPay without clearly notifying me. At the time, my phone and debit card had been stolen, which prevented me from seeing the relink notices. I resolved the issue as soon as I discovered it. Ava refused a goodwill removal, even though this was clearly a system issuenot consumer neglect.

Since then, I received a second disconnection notice for AutoPay, proving this is a recurring Ava platform failure. This time, I caught the issue on time and fixed it before it damaged my credit. This shows that the original late payment was also caused by Avas unreliable system, not my behavior.

Despite my perfect payment history, Ava continues to deny a goodwill request, offers no resolution, and responds with repeated template replies. Their own documentation admits the issue was a Plaid relink failuresomething out of my control. I enrolled in Ava to build credit using my own money, not to be penalized by technical issues on their end.

I respectfully ask that CFPB escalate this issue and review Avas response handling. It is completely unfair that a credit-building app can damage my credit due to its own system failures and then refuse to offer a one-time goodwillsomething real lenders often grant under legitimate circumstances like this.

I am also requesting CFPB review Avas use of AutoPayXXXX XXXX and whether their failure to maintain reliable payment systems constitutes irresponsible credit furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I am filing this identity theft and accuracy dispute against Cavalry Portfolio Services ( Account XXXX. XXXX, XXXX : {$4600.00} ) regarding a fraudulent debt they claim I owe. Cavalry has made false and misleading statements, including the assertion that a civil judgment has been obtained against me. In a letter dated XX/XX/year>, Cavalry explicitly references a judgment tied to this account. This claim is categorically false and damaging to my credit and reputation. 

To support this dispute, I am submitting my complete XXXX Full XXXX XXXX dated XX/XX/year>, which includes public records reporting from state and federal court systems. This report contains no record of any judgment in my name related to Cavalry Portfolio Services or any related party. If a valid judgment existed, it would appear in the XXXX file, which it does not. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 1681c-2 ( c ), which requires that all identity theft-related information be blocked and removed within XXXX ( XXXX ) business days of receiving a valid identity theft report and supporting documentation. 

This false claim of a judgment violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading data.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibition against furnishing false or inaccurate information.

This is not a frivolous or duplicate dispute. I have submitted a valid FTC Identity Theft Report ( Ref. No. XXXX ), along with my government-issued ID and proof of address. I did not open, authorize, or benefit from the Cavalry account. The allegation of a judgment is a baseless fabrication, and the balance itself is disputed as the result of identity theft. 

I am demanding the following : Permanent deletion of this fraudulent account from all consumer reporting agencies, including Equifax, Experian, and TransUnion. 

Written confirmation that no civil judgment exists and that Cavalry will cease all references to such claims in the future.

That Cavalry immediately block this account under FCRA 1681c-2 ( c ) and stop all collection activity. 

If not resolved, I will escalate to the CFPB XXXX XXXX, FTC, and IRS, and will pursue legal remedies under FCRA 1681n and 1681o for willful and negligent violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 
I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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, 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 explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I am the victim of identity theft and have discovered multiple fraudulent collection accounts and inquiries on my credit report that I did not open, authorize, or have any knowledge of. These accounts were established without my consent, and I have never had any dealings with the companies reporting them. I have filed an Identity Theft Report with the FTC and provided documentation, including my government-issued ID and proof of address. 

Under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am exercising my legal right to have these fraudulent accounts permanently blocked from my credit file within XXXX ( XXXX ) business days of receipt of this complaint. These entries are false, damaging, and are not the result of any contractual relationship or responsibility on my part.

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 2025-07-19 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: NC

Complaint narrative:
I am writing to bring to your attention certain inaccuracies present in my credit report that require immediate correction. Specifically, the following items need to be removed : image in attachments These entries are erroneous and contradict the provisions outlined in the Fair Credit Reporting Act ( FCRA ), particularly [ 15 USC 1681e ] ( b ), which mandates that consumer reporting agencies implement reasonable procedures to ensure the accuracy of the information they disseminate.

Furthermore, your agency has failed to adhere to [ 15 USC 1681b ] ( a ) ( XXXX ) by furnishing reports without my explicit written consent. This action infringes upon my privacy rights as stipulated in XXXX [ 15 USC 1681 ] ( a ) ( 4 ). 
I formally request the immediate deletion of these inaccuracies from my consumer file. Should your agency neglect this obligation, I will have no choice but to pursue legal action to enforce my rights. 
The aforementioned violations constitute Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), a felony offense punishable by up to XXXX years of imprisonment and subject to civil liabilities. 
Consequently, I am seeking compensation for the following damages : 1 Permissible purpose - {$1000.00} 2 Defamation of character - {$1000.00} 3 Damaged reputation - {$1000.00} 4 Damaged creditworthiness - {$1000.00} 5 Damaged mode of living - {$1000.00} 6 Infringed right to privacy - {$1000.00} The case XXXX XXXX TransUnion XXXX ( 2013 ) emphasizes the obligation of consumer reporting agencies to ensure the accuracy of the information they report. The court found that TransUnion failed to follow reasonable procedures to verify the accuracy of the disputed information, thereby violating [ 15 USC 1681s-2 ( a ) ( 1 ) ] of the FCRA. This underscores the importance of maintaining accurate consumer files. I request an immediate investigation and correction of these entries. 
Sincerely, XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, NC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am writing to file a formal complaint against Experian regarding their repeated failure to properly investigate and resolve an inaccurate and disputed account on my credit report. 

The account in question is from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with a reported balance of {$740.00} and a last payment dated XX/XX/XXXX. I have disputed this account twice with Experian and requested that they investigate and validate the accuracy of the reporting, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my good-faith efforts, Experian failed to conduct a meaningful investigation. Experian simply " verified '' the information without providing any validation or evidence from the creditor. Because they did not fulfill its duty under 15 U.S. Code 1681i, I took it upon myself to contact the creditor directly. 

In response, XXXXXXXX XXXX XXXX sent me a letter dated XX/XX/XXXX, confirming that they had reviewed the account and declined to make changes because the address on file did not match the address used in the correspondence. This detail alone shows that Experian did not actually communicate with the creditor correctlybecause if they had, they would have received the same response that I did. 

Experian had XXXX opportunities to correct this issue and failed both times. They ignored factual documentation and failed to follow proper procedures to verify and validate the accuracy of the negative information. The continued reporting of this inaccurate and unvalidated account is damaging to my credit and a violation of my rights under the FCRA and the XXXX XXXX reporting standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and XXXX left wondering how XXXX supposed to defend myself when the same issue keeps happening over and over.

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 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The bureaus have informed me that they received my information and dispute letter, but refused to investigate further, claiming I used a credit repair company. Ive been repeatedly dismissed by the bureaus for months, and its becoming extremely frustrating. 
As a consumer, my rights are being violated, and XXXX left wondering how XXXX supposed to defend myself when the same issue keeps happening over and over.

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 2025-07-19 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: VW Credit
State: CA

Complaint narrative:
On XXXX XXXX 2025 According to the fair credit reporting act 15 U.S.C -1681 my consumer rights are being violated with unlawful reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
Pursuant to Section 605B of the Fair Credit Reporting Act I have submitted a completed copy of my ID theft report from the FTC and my proof of identity documentation. Accordingly I request these accounts to be removed immediately. My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened, I need them removed immediately.

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 2025-07-19 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: CA

Complaint narrative:
Pursuant to Section 605B of the Fair Credit Reporting Act I have submitted a completed copy of my ID theft report from the FTC and my proof of identity documentation. Accordingly I request these accounts to be removed immediately. My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened, I need them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I kindly request that you review and correct these items to ensure the accuracy of my consumer information.

The case Gonzalez v. Equifax Information Services LLC ( 2018 ) serves as a precedent for correcting inaccurate employment information. Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] emphasizes the importance of maintaining precise records.

Attachment below

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX XXXX Date : XX/XX/year> To : Transunion Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Section 623 Dear Transunion I am writing to formally dispute the accuracy of information you are reporting to the credit reporting agencies regarding my account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX According to my credit report, your institution has reported one or more late payments on this account. I am disputing the accuracy of this reporting, as I believe the information is inaccurate, incomplete, or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), Section 623 [ 15 U.S.C. 1681s-2 ], as a furnisher of information, you are legally required to : Report only accurate information to consumer reporting agencies ( Subsection 623 ( a ) ( 1 ) ( A ) ) ; Promptly correct and update any information you later determine to be inaccurate ( Subsection 623 ( a ) ( 2 ) ) ; and Investigate and respond to disputes when notified by a credit bureau , and report the results back to the bureau ( Subsection 623 ( b ) ).

If you are reporting a late payment in error, or if you can not verify its accuracy through proper documentation, you are required to correct or remove the information. I am requesting that you conduct a reasonable investigation into this matter and provide me with written confirmation of the outcome.

Please find enclosed supporting documentation for your review, including : If this information can not be verified as accurate, I request that you immediately notify all credit reporting agencies to delete or correct the inaccurate late payment entry in compliance with FCRA Section 623.

Please provide a written response within 30 days, as required under federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : XXXX XXXX Report, Payment History

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MicroBilt / PRBC (formerly CL Verify)
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ), I formally dispute the following information on my consumer report and request an immediate investigation. 
Attachment below for reference

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