vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc.
State: AR

Complaint narrative:
This itemized bill is inaccurate. I am being changed for services I did not receive along with XXXX XXXX XXXX  I did not receive. Ive contacted a lawyer and will sue the companys and facilities involved. I knew the price being asked for was suspicious and after seeing the itemized bill sent by the company I now know Im being charged for XXXX XXXX XXXX and task that were not preformed by the hospital for me. This is inaccurate and I dispute it to the fullest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
This items is on my credit report but does not belong to me. I am not the owner of this debt and did not establish an account with this company. The company name is showing as XXXX showing account started on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Ava Finance, Inc
State: FL

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
The people that I were talking to Cash App from several different numbers and I have screenshots and proof defrauded me out of {$500.00} and said they couldnt see anything on their end when I clearly can see everything on mine. They said it was a problem with my bank. I went to my bank, tried to have the issue resolved. These people had access to my phone. They could go on my phone. Move the screen around see everything. They still have this day my information. Cash App said they were not liable. I am suing if this is not resolved I am on XXXX. I can not provide the compensation. I have all the receipts via screenshots and otherwise feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that appears on my credit report and the failure of the credit reporting agency to conduct a proper investigation, in violation of the Fair Credit Reporting Act ( FCRA ). 

I identified the following inaccurate information on my credit report from Equifax/Experian/TransUnion , documents . attached

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 2025-05-30 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: MO

Complaint narrative:
I previously disputed a XXXX XXXX XXXX ( XXXX ) collection account with Equifax because the information was inaccurate and not properly verified. Despite providing evidence that Experian had removed the same account after reinvestigation, Equifax failed to correct or delete the account and continued to report it as " Consumer Disputes After Resolution. '' Equifax did not provide a signed contract, billing statements, or other documents to validate the debt under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). This is required to prove the debts validity. Additionally, Equifax violated 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy of the information reported. 

I believe the account may also be time-barred under the applicable statute of limitations, and Equifax failed to verify whether the debt is legally enforceable under 15 U.S.C. 1681c. 

I request that Equifax immediately remove the XXXX XXXX XXXX collection account from my credit report because they failed to properly investigate and verify the debt. If Equifax refuses, I request that they provide copies of the documents they reviewed during their investigation to support their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was sent money by an unknown person named " XXXX XXXX '' via PayPal in the amount of {$300.00} on XX/XX/scrub> 2025. I do not know who this person was and I declined payment from this person and NEVER accepted their money. This person said I was selling her a dog ; I do not sell dogs. I do not currently live in the United States I live abroad so there is now way that I could have dealt with this person. Again as stated, I declined the payment and called PayPal on XX/XX/year> ( my local time ) to report the issue. PayPal never got back to me After some time, the case was made in the favor of this " XXXX XXXX '' person and PayPal charged me a dispute fee. Again I do not know who this person is and I do not understand why PayPal charged me this fee. I do not sell anything on this PayPal account I only use it to purchase items. 

Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-30 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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
Consumer complaint received 2025-05-30 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: HI

Complaint narrative:
TransUnion is reporting multiple credit accounts as included in bankruptcy, even though the U.S. Bankruptcy Court for the District of Hawaii has publicly confirmed that it does NOT furnish consumer data to credit reporting agencies. 

There is no bankruptcy listed on my TransUnion report. However, the following tradelines are being incorrectly classified as XXXX or included in a bankruptcy that can not be legally verified : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), which mandates that XXXX must use reasonable procedures to ensure maximum possible accuracy of the information they report. Verifying account status based on third-party aggregators like XXXX or XXXX instead of the originating court or furnisher fails this standard. 

I previously disputed these accounts directly with TransUnion, submitting court documentation showing that no consumer data is furnished by the court. TransUnion failed to delete or correct the false bankruptcy coding.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
* * Subject : Inaccurate Credit Report Information Request for Resolution * * Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information appearing on my credit report. I However, I have identified multiple inaccuracies in the data reported to the credit bureaus, which adversely affect my creditworthiness. Specifically, incorrect details related to my employment status and address have been listed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., consumers have the right to dispute inaccurate or incomplete information on their credit reports, and credit reporting agencies are required to investigate such disputes thoroughly, typically within 30 days ( 15 U.S. Code 1681i ). Furthermore, the law mandates that any information found to be inaccurate must be corrected or removed promptly.

I respectfully request that the CFPB take appropriate action to ensure that the credit bureaus investigate my dispute thoroughly and update or remove any erroneous information, as required by law. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
* * Subject : Inaccurate Credit Report Information Request for Resolution * * Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information appearing on my credit report. I However, I have identified multiple inaccuracies in the data reported to the credit bureaus, which adversely affect my creditworthiness. Specifically, incorrect details related to my employment status and address have been listed. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., consumers have the right to dispute inaccurate or incomplete information on their credit reports, and credit reporting agencies are required to investigate such disputes thoroughly, typically within 30 days ( 15 U.S. Code 1681i ). Furthermore, the law mandates that any information found to be inaccurate must be corrected or removed promptly.

I respectfully request that the CFPB take appropriate action to ensure that the credit bureaus investigate my dispute thoroughly and update or remove any erroneous information, as required by law. 

Thank you for your prompt attention to this matter. 

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 2025-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I have requested that my insurance be removed from escrow for the last year. I am not under any obligation to escrow my insurance. I never signed a contract with this lender and I was told at closing I had an option to escrow I elected with my previous lender XXXX XXXX see XXXX the loan was sold and I never signed anything with XXXX bank. I have meet their requirements to include VA does not require that I escrow my insurance with them. At this time all the paperwork that have been sent in my complaint does not require me to escrow my insurance only taxes and I am exempt from taxes due to my XXXX status I am electing not to escrow my insurance with 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 

Despite multiple prior disputes, you continue to report this negative items without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA XXXX to conduct a reasonable reinvestigation. 


You are also in violation of FCRA XXXX ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance. 

You have XXXX  days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence. 

This issue aligns with recent enforcement actions by the CFPB, including the XX/XX/year>2025 lawsuit against Equifax for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the XXXX Credit Bureaus conduct an investigation into the fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
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 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 2025-05-30 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: FL

Complaint narrative:
Greetings, I am sending this complaint to request an investigation into the fraudulent inquiries on my credit report. I ask that the XXXX Credit Bureaus conduct an investigation into the fraudulent inquiries as required by law. Please see below the listed fraudulent inquiries that require investigation. 
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 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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC
State: MN

Complaint narrative:
My personal vehicle got stolen and then my rental car got stolen and then my father passed on so I needed a car and bought a XXXX XXXXXXXX XXXX at {$1600.00} plus XXXX down at XXXX a month but I had no idea the car had a 26 % interest rate and the vehicle did not have a moon roof as advertised. I have made in time payments for almost 2 years and paid over {$7000.00} to this date and only {$2000.00} has gone toward the principle and the vehicle is only worth {$5000.00} book value. I requested to refinance it as the vehicle is used for XXXX XXXX XXXX a federally recognized 5013c non-profit Foundation that provides Housing Stabilization and Social Security Advocacy Seevices to XXXX individuals who are homeless or at risk of becoming homeless and I am a XXXX XXXX to two toddlers .I have also worked hard to get a higher credit score in hopes of refinancing this loan.

Company response to consumer: Closed with explanation