vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ava Finance, Inc
State: TX

Complaint narrative:
Around XX/XX/year>, I formally disputed Ava XXXX reporting of my account as a charge off with an unpaid balance of about {$8.00}. I requested that Ava provide full proof to justify this status, including the original signed agreement, a complete payment history, a notice of default, proof of how the account was handled under IRS rules ( including a 1099-C if applicable ), and details of any verification done with the credit bureaus. Ava responded with only a basic account statement and did not provide complete supporting documents. 

Despite failing to fully validate the account, Ava continues to report it as a charge off on my credit reports while also attempting to collect the same unpaid balance by providing a payment link and demanding payment. Reporting the account as both charged off and collectible at the same time is misleading and inconsistent with credit reporting and tax requirements. Ava also failed to mark my dispute on my credit files and did not correct or delete the inaccurate reporting, which has harmed my credit and violates the Fair Credit Reporting Act and Texas Finance Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several accounts on my TransUnion credit report that are being reported by creditors I do not recognize. I have never opened accounts with these companies, and I believe they may be linked to someone else with a similar name. I have suffered real harm from these errors, including being denied housing and employment. At times, I even paid off debts that were not mine just to avoid being rejected. I will not continue to do that. Per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written verification for each of the following accounts. Despite past disputes, I have never received documentation showing that I entered into any agreement with these creditors. If you can not provide this verificationsuch as a copy of a contract with my correct legal name and signaturethese accounts should be removed entirely from my report. 

Also, please note that XXXX has incorrectly reported me as formerly known as XXXX XXXX. My legal name is XXXX XXXX, and I have never used or gone by the name XXXX. This likely explains the confusion. 

Here are the accounts I am disputing : XXXX XXXX XXXX XXXX  TX 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 XXXXXXXX / XXXX If you are unable to provide clear evidence linking these accounts to meincluding copies of the original leases and/or contracts with my correct personal details and signatureI expect the accounts to be removed in their entirety from my credit report. 

Sincerely, 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 2025-06-17 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:
I've recently received a copy of my credit report and noticed inaccurate hard credit inquiry and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.

In accordance to the fair credit reporting act. Whenever a consumer reporting agency prepares a a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 % they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer.

Delete following hard inquiries inaccurately reporting which violates my rights 15 USC 1681 : 605B It is illegal to report anything on my credit without my permission please remove hard inquires. 
XXXXXXXX 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 XXXXXXXX/XXXX. 
YOU ARE HEREBY PUT ON NOTICE : You have 30 days from receipt of this letter to complete lawful investigation. 
If this account is not 100 % verifiable, or no documents with my bearing my wet signature is produce the account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I deposited {$3200.00} on XXXX XXXX at atm and somehow my money got lost into their system it didnt show up that I deposited that amount that day I have my receipt that I deposited that amount into the atm it showed deposited on my receipt I filed XXXX claims and its XXXX XXXX and my funds arent in my account they told me that they have to break down the atm and count the money and see if theres and overflow of {$3200.00} they sent me two letters since XX/XX/XXXX when I filed the claim saying my money will be available and my account is still in an negative and they have the nerve to charge me overdraft fees!!

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 2025-06-17 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: MD

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-17 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX is inaccurately reporting a derogatory mark on my credit report despite the account being paid in full in XX/XX/year>. 

Details : I paid this account in full before the derogatory mark appeared in XX/XX/year>. XXXX has acknowledged my payment but refuses to correct their reporting. This is materially misleading and violates the spirit of the Fair Credit Reporting Act ( FCRA ), which states that furnishers must report accurate and current information. 

Im requesting that the account be updated to remove the XXXX derogatory mark and reflect that the account is paid and in good standing, or at minimum updated to remove the status as a collection or derogatory account, which no longer applies.

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 2025-06-17 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:
Subject : Final Notice Before Regulatory and Legal Action for Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, This is my third and final attempt to dispute the inaccurate information on my credit report. Your continued failure to conduct a proper reinvestigation, as mandated by 15 U.S.C. 1681i ( a ), constitutes willful noncompliance with federal law. The CFPBs lawsuit against Equifax serves as evidence of a broader systemic issue regarding the mishandling of consumer disputes.

The following inquiries are unauthorized and need to be removed immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681n, any person who willfully fails to comply with the FCRA is liable for statutory damages, punitive damages, and attorneys fees. Furthermore, per 15 U.S.C. 1681o, negligent noncompliance also incurs legal liability. If Equifax does not remove these erroneous accounts immediately, I will have no choice but to pursue legal remedies.

I am preparing to file formal complaints with the CFPB, the FTC, and my states Attorney Generals office. Additionally, I am consulting with legal counsel regarding potential litigation against Equifax for violating my rights under the FCRA.

This is your final warning. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint to report multiple ongoing violations of the Fair Credit Reporting Act ( FCRA ) by two national credit reporting agencies : TransUnion and Experian. I have submitted detailed written disputes to both bureaus regarding inaccurate and potentially unverifiable information that continues to appear on my consumer credit reports.

Despite providing clear evidence, invoking applicable FCRA statutes, and formally requesting validation and investigation in writing, both bureaus have failed to correct or remove the disputed accounts in a manner compliant with federal law. These actions have caused measurable harm to my creditworthiness and have negatively affected my ability to access fair credit opportunities.

Specifically, I am citing the following violations : Failure to conduct a reasonable reinvestigation of disputed information in accordance with FCRA 1681i Failure to delete inaccurate, incomplete, or unverifiable information under FCRA 611 ( a ) ( 5 ) ( A ) Failure to provide method of verification and full disclosure of account sources, as required by FCRA 609 Failure by furnishers to properly investigate and respond to disputes, a violation of FCRA 1681s-2 ( b ) Additionally, I would like to draw attention to the CFPBs prior enforcement actions against both bureaus in 2022 for similar violations. The persistence of these issues demonstrates a continued disregard for consumer rights and federal compliance.

I respectfully request that the CFPB investigate these matters and hold TransUnion and Experian accountable for failing to uphold their obligations under the law. I am attaching copies of the letters sent to each bureau along with supporting documentation. 

Thank you for your attention to this complaint. I trust the CFPB will take the necessary steps to ensure my rightsand the rights of other consumersare protected. 

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I AM FILLING A COMPLAINT AGAINST CASH APP ( BLOCK INC ) DUE TO INADEQUATE CUSTOMER SERVICE AND UNFAIR PRACTICES WHICH VIOLATES 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 HAS CAUSED SIGNIFICANT INCONVENIENCE AND FINANCIAL LOSS AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-17 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: AZ

Complaint narrative:
On XX/XX/year>, I submitted a complete identity theft block request to Experian under FCRA 605B. I included an FTC Identity Theft Report, a detailed letter listing the fraudulent accounts, my government-issued ID, Social Security card , and utility bill. Experian responded by refusing to block the accounts, falsely claiming the FTC report was not received by law enforcement. This is legally incorrectthe FTC is a federal law enforcement agency, and its report satisfies the FCRA. I have attached Experians response and my original package for review. I am requesting CFPB enforcement to compel Experian to block and delete the listed accounts as required by 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 explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
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. 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 : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$390.00}

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 2025-06-17 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: SC

Complaint narrative:
XXXX  account has been in deferment effective from XX/XX/XXXX through XX/XX/XXXX. They are reporting late payments on my loan which is inaccurate.

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