vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: TX

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
b'I am filing a regulatory complaint for non-delivery of services and unlawful continued furnishing on a loan originated through Affirm for a funding mentorship program advertised and sold under the name XXXX XXXX XXXX XXXX, which is also connected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never received the contracted mentorship, platform access, or promised business funding program. I was only provided generic XXXX  videos, which were not the service sold or represented during enrollment. This constitutes non-delivery and misrepresentation.\nI sent a formal rescission and notice of non-delivery by certified mail on XXXX (USPS Tracking XXXX XXXX XXXX XXXX XXXX). Affirm was notified of non-delivery and was given an opportunity to cure, but has continued furnishing this tradeline and attempting to collect as if services were delivered. This is a violation of FCRA 623 (furnishing inaccurate information after notice) and continued enforcement of a disputed debt without resolving the dispute.\nI also lost access to their chat group and back-end platform shortly after filing the initial dispute. The company removed my access instead of curing performance, which is clear evidence that services were never provided. They advertise under multiple names and appear to operate in a deceptive manner by shifting business names.\nI have already paid approximately $XXXX  toward this loan for services that were never delivered. This constitutes financial harm. Affirm continues reporting this debt as valid and delinquent after notice of non-delivery, which is regulatory non-compliance.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX website does not offer multi-factor authentication ( MFA ), which is pretty alarming given how rampant identity theft is. I'm here trying to lock things down given I've recently become a victim of identity theft and they do not even offer this additional level of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Transunion still has a bankruptcy on my account and it should not be there.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit report this morning. Even after refreshing my browser, nothing has changed. I need the documents I sent to be reviewed carefully so this issue can finally be resolved once and for all.

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 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX I purchased a few items from XXXX XXXX and was talked into a credit card for points in the store. I never received any statements and never received the credit card until much later. On XX/XX/year> I called Comenity-XXXX and was told I had 2 late fees of {$30.00} applied to my account. I requested they be waived due to the above. I was told that they refused to waive both fees and waived one fee and that I would have to pay the other. The representative advised that the amount due at that time was {$33.00} to XXXX  the account out. I paid the {$33.00} due and requested my account be closed Today XX/XX/year> I called Comenity-XXXX  because I received an email from them saying I owed money and I feared fraud. I spoke to multiple representatives who said they would waive part and then nothing at all. I was escalated to a Manager named XXXX who advised that he would listen to the call and I would have to call back later in the week to determine the outcome. At t his time I am showing I owe another {$74.00} because the person I spoke to on XX/XX/year> only waived part of the fee and not the entire fee as he noted and this fee has been accruing late fees after I closed the account. I would have paid the amount in full before closing the account if I was told that I could only waive part of one fee before the account was closed. I requested a copy of the call transcript and was refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-27 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: ND

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a full reinvestigation of all items reported, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This constitutes a clear violation of my rights under federal law and raises serious concerns regarding the integrity, accuracy, and reliability of my consumer report.

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 2025-10-27 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: TX

Complaint narrative:
I am really worried because I still see these inaccurate accounts on my credit report, and they were never taken off. I am begging that the documents I attached are carefully reviewed so I can finally stop stressing about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
Violations of Fair Credit Reporting Act Pursuant to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ) 15 U.S.C. 1681i, once notified of a dispute, creditor and credit reporting agency should have and must reinvestigate and deletet any inaccurate or unverifiable information within 30 days.

dispute inaccurate and unlawful reporting on credit file related to the following account : XXXX XXXX XXXX This account is reported as charged off, yet new or continuing late payments are still being added to my credit file years after the charge-off date.

Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy of all information reported. XXXX just closed this account but thats not what should happen. This account should have closed in tandem with actual charge off but, it did not.

Furthermore, under 15 U.S.C. 1681i, once notified of a dispute, creditor and credit reporting agency should have and must reinvestigate and deletet any inaccurate or unverifiable information within 30 days.

It is inaccurate and misleading to continue reporting payment delinquencies on an account that has already been charged off and closed. XXXX kept reporting this out open when it was Charged off years ago as the creditor is no longer extending credit or expecting scheduled payments at that stage. Please conduct a reinvestigation with the furnisher and remove all late payment notations that appear after the official charge-off date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There are XXXX separate incidents I would like to report. 

Firstly, on XX/XX/year> I accidentally transferred {$25000.00} from my Merrill Lynch brokerage account ending in XXXX to my Bank of America credit card ending in XXXX. I immediately reported this error to Bank of America and requested that they refund the money back to the brokerage account or to my Bank of America checking account ending in XXXX. On XX/XX/year>, there was a transaction titled " ACH PAYMENT REFUND '' on my card ending in XXXX which took the {$25000.00} out of the account. However, over a month later I still have not received this refund back to my checking account or brokerage account. I've called the company, escalated with managers, contacted the execution escalations team, and went into the branch. None of these has resulted in my refund being successfully processed. 

Secondly, for the past several months I have been doing transactions with multiple merchants on my Bank of America credit card ending in XXXX. These merchants have been identified as Bank of America as high risk, and therefore my credit card was restricted when I tried to transact with them. I have had to call to get my card unblocked over the last few months over XXXX times ( no exaggeration ). I've been asked to go into a financial institution to verify my identity with XXXX forms of ID XXXX  times in the month of XXXX. It seems no matter how many approvals or verifications I do, the company keeps making me jump through the same hoops even though this " suspicious '' activity should no longer be suspicious on my account given how many times I've approved it.

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 monetary relief
Consumer complaint received 2025-10-27 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: CT

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: FL

Complaint narrative:
I am submitting this complaint regarding enable loans ending in XXXX I am experiencing significant financial hardship and can not afford higher payments. Enable Loans set my weekly payment at {$75.00}, which reflects my current ability to pay. 

I have been a long-time customer and have always paid responsibly. During a recent call with an agent, I requested to speak with a supervisor about adjustments. The agent said a supervisor would likely give the same response and told me, You accepted the terms knowing it would be {$190.00} and you accepted it anyway. The agent further explained that they had reached out to the account team, and this is the only extension they can offer, with no more extensions available in the future. 

The agent acted as though I was a problem, despite my history as a responsible customer. He said, all we give you, youve been given adjustments that we never do for other customers. I feel this was unfair and handled without empathy. I respectfully request that Enable Loans consider being more empathetic to customers experiencing temporary financial hardship. I should not be penalized simply because I agreed to higher payments in the past. 

I was polite and respectful during the call. As the agent continued repeating points I had already addressed, I became frustrated and asked again if a supervisor was available. My tone reflected how stressed and frustrated I was, not a refusal to cooperate. 

I remain committed to maintaining my good-faith effort to pay the agreed $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I sent a detailed letter requested information on debt validation, chain of custody, 1099 for collection amount, and proof that no claim was filed for said debt. 

All I recieved is the same reprinted bills over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NV

Complaint narrative:
I am filing this complaint against TransUnion LLC regarding multiple inaccurate, duplicate, and unverifiable entries appearing on my TransUnion credit report dated XX/XX/year> ( File # XXXX ). 

Despite prior disputes submitted directly through TransUnions portal, these items remain unvalidated, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicated tradelines # XXXX and # XXXX ) XXXX XXXX XXXX ( XXXX # XXXX * * * * ) XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  ( each charged-off or derogatory without documentation ). 

TransUnion has failed to ensure maximum possible accuracy as required by FCRA 607 ( b ) and has not conducted a lawful reinvestigation per 611 ( a ) ( 1 ) ( A ). Several entries appear XXXX  ( e.g., XXXX and XXXX XXXX XXXX ), inflating delinquency counts and violating FCRA 623 ( a ) ( 5 ).

I request a full reinvestigation, deletion of all unverifiable or duplicate accounts, and correction of personal information ( outdated addresses in XXXX GA and XXXX TX ). 

Supporting documentationincluding my signed dispute letter and the relevant pages of my TransUnion reportis attached. Continued reporting of unverifiable data constitutes willful non-compliance under FCRA 616-617 and FDCPA 807 ( 8 ).

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 2025-10-27 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-10-27 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: AZ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
This letter is a formal demand for the immediate removal of multiple unauthorized hard inquiries that are currently reporting on my credit file. Despite prior disputes and supporting documentation submitted to you, the following inquiries remain : XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-27 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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