vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: Avant Holding Company, Inc.
State: UT

Complaint narrative:
I am filing a complaint against Avant ( loan accessed through XXXX XXXX ) regarding a personal loan I applied for on XX/XX/year>. Within approximately four hours of submitting the application and signing the agreement, I realized the interest rate and loan terms were not affordable for me and decided I did not want to proceed. I immediately began contacting Avants customer service to cancel the loan.

During my first call, a representative told me I would need to call back the following morning to cancel. I followed that instruction and called again about an hour later. The second representative told me she wasnt sure why I had been told that, because the loan was already in the process of being disbursed and could no longer be canceled. 

I was then told that my only option was to allow the funds to be deposited, wait for the loan to be funded, and then pay it off in fullwhile still being responsible for a {$1200.00} administration fee. I asked when I would be allowed to pay off the loan and was told I would have to wait until the official funded date : XX/XX/year>. I believe this is extremely unfair, especially considering I acted in good faith and contacted Avant promptlywithin just a few hours of signingto cancel the loan. I received conflicting information from multiple representatives, which prevented me from stopping the loan before the disbursement process began.

Avant states that they notate all customer service calls, so there should be clear records of my five separate attempts to cancel the loan. 

I plan to pay off the loan in full on the funded date of XX/XX/year>, in order to avoid any interest from accruing. However, I strongly believe it is unjust for Avant to still charge me a {$1200.00} administration fee under these circumstances, especially when I never intended to accept the loan and tried multiple times to cancel it. 

I am requesting that the CFPB investigate this issue and assist in having the loan canceled or, at minimum, the administration fee waived. I do not believe I was treated fairly, and I feel this situation reflects deceptive and predatory lending practices. 
I have attached the contract as well as the screenshots of me calling them multiple times and the emails I have sent to their customer support at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-22 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I pulled my credit reports and noticed several accounts that i did not open that are severely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-22 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: WA

Complaint narrative:
Statement of Events : In XX/XX/year>, I discovered that two credit card accounts had been fraudulently opened in my name with XXXX XXXX XXXX and XXXX XXXX. These accounts were not authorized by me and are the result of identity theft, likely stemming from the Equifax data breach. 

Upon discovering these unauthorized accounts, I took immediate action : Police Report : I filed a police report with the XXXX XXXX Police Department ( Report # XXXX ) to document the identity theft. 
Identity Theft Affidavit : I submitted an Identity Theft Affidavit through IdentityTheft.gov to formally report the incident. 
Disputes and Complaints : I disputed the fraudulent accounts with the credit bureaus and filed complaints with the Consumer Financial Protection Bureau ( CFPB ). Initially, the accounts were removed from my credit reports. However, they have since reappeared, causing ongoing damage to my credit standing. 
Impact : This situation has severely impacted my ability to secure a mortgage, preventing my fianc and me from purchasing our first home in a neighborhood with good schools for our expected child. The stress and time spent resolving these issues have been overwhelming, especially during my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WA

Complaint narrative:
Statement of Events : In XX/XX/year>, I discovered that two credit card accounts had been fraudulently opened in my name with XXXX XXXXXXXX XXXX and XXXX XXXX These accounts were not authorized by me and are the result of identity theft, likely stemming from the XXXX data breach. 

Upon discovering these unauthorized accounts, I took immediate action : Police Report : I filed a police report with the XXXX XXXX Police Department ( Report # XXXX ) to document the identity theft. 
Identity Theft Affidavit : I submitted an Identity Theft Affidavit through IdentityTheft.gov to formally report the incident. 
Disputes and Complaints : I disputed the fraudulent accounts with the credit bureaus and filed complaints with the Consumer Financial Protection Bureau ( CFPB ). Initially, the accounts were removed from my credit reports. However, they have since reappeared, causing ongoing damage to my credit standing. 
Impact : This situation has severely impacted my ability to secure a mortgage, preventing my fianc and me from purchasing our first home in a neighborhood with good schools for our expected child. The stress and time spent resolving these issues have been overwhelming, especially during my 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 2025-05-23 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: WA

Complaint narrative:
Statement of Events : In XX/XX/year>, I discovered that two credit card accounts had been fraudulently opened in my name with XXXX XXXXXXXX XXXX and XXXX XXXXXXXX. These accounts were not authorized by me and are the result of identity theft, likely stemming from the Equifax data breach. 

Upon discovering these unauthorized accounts, I took immediate action : Police Report : I filed a police report with the XXXX XXXX Police Department ( Report # XXXX ) to document the identity theft. 
Identity Theft Affidavit : I submitted an Identity Theft Affidavit through IdentityTheft.gov to formally report the incident. 
Disputes and Complaints : I disputed the fraudulent accounts with the credit bureaus and filed complaints with the Consumer Financial Protection Bureau ( CFPB ). Initially, the accounts were removed from my credit reports. However, they have since reappeared, causing ongoing damage to my credit standing. 
Impact : This situation has severely impacted my ability to secure a mortgage, preventing my fianc and me from purchasing our first home in a neighborhood with good schools for our expected child. The stress and time spent resolving these issues have been overwhelming, especially during my 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 2025-05-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-22 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: GA

Complaint narrative:
I am writing to formally escalate unresolved credit reporting issues that continue to appear on my credit file despite multiple disputes filed with the major consumer reporting agencies. The following information remains inaccurate or unverifiable, and I now seek intervention under the authority of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
Firstly, several incorrect addresses are being associated with my profile, none of which I have ever occupied or used in any financial capacity. These addresses include : ( 1 ) XXXX XXXX XXXX XXXX, TN XXXX, ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, ( 3 ) XXXX XXXX XXXX, XXXX, TN XXXX, ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX and ( 5 ) XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX The repeated appearance of these addresses reflects noncompliance with the requirement for accurate reporting under 15 U.S.C. 1681e ( b ). 
Secondly, specific account entries remain disputed and uncorrected : ( 1 ) XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXX, is listed with a charge-off status and a balance of {$780.00} since XX/XX/XXXX. This entry lacks verification and remains uncorrected following dispute. ( 2 ) XXXX XXXX XXXX, account # XXXX XXXX XXXX, opened on XX/XX/XXXX, reports late payment activity that I have already challenged without a proper response or reinvestigation. ( 3 ) A hard inquiry by XXXX XXXX XXXX dated XX/XX/XXXX appears on my file without my authorization, violating permissible use guidelines under 15 U.S.C. 1681b. 
These inaccuracies are not only unjustified but have led to tangible harm including credit denials and undue stress. The reporting agencies ' failure to remove or correct these items upon dispute violates 15 U.S.C. 1681i and demonstrates willful noncompliance subject to civil liability under 15 U.S.C. 1681n. 
Moreover, the continued appearance of these items constitutes a continuing violation, which renews the statutory liability each day the inaccurate data persists. The dismissal of my previous disputes through unsubstantiated stall responses is not acceptable under federal law, and I reject any response from third parties not authorized to validate or verify reported data.

I urge the Consumer Financial Protection Bureau to enforce compliance and ensure all disputed data is verified or removed immediately. I demand a full correction within ten ( 10 ) days from the receipt of this letter as provided under 15 U.S.C. 1681k and 1692k, failing which I will escalate the matter to the FTC, State Attorney General, and if necessary, pursue private remedies in federal court. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
b'I checked my credit report and noticed several inaccuracies on my account. \nThese accounts are mutilating my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.\nThese are what  I am asking you to verify as accurate:XXXXExperian:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: LA

Complaint narrative:
b'I checked my credit report and noticed several inaccuracies on my account. \nThese accounts are mutilating my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.\nThese are what  I am asking you to verify as accurate:XXXXExperian:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunionXXXX XXXX XXXX XXXX XXXX XXXX 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