vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I financed a {$1500.00} XXXX XXXX  program through Affirm for a XXXX service agreement. The program was sold by a coach who promised personalized training plans, nutrition guidance, and ongoing accountability, as detailed in a signed contract. 

However, the coach only provided workouts for the first XXXX weeks. After that, no new workouts were uploaded to the app, and all support and communication stopped. I messaged the coach about workout limitations due to my gym setup, and he refused to make adjustments despite the contract stating that plans would be customized. I had to manually edit workouts on my own. I later submitted a cancellation and refund request via text, which he ignored. 

I filed a dispute with Affirm in XX/XX/year>. The dispute was denied because Affirm determined that I had logged into the app, which they interpreted as having used the service despite the fact that the core deliverables were not fulfilled. The second and third disputes were also denied, despite detailed evidence showing : Failure to deliver the full XXXX program Lack of contract fulfillment Ignored cancellation request The coach has since cut off communication, unfollowed me on social media, and never resumed service. Affirm continues to enforce the loan and has failed to act on a valid complaint of a service that was materially undelivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services
State: FL

Complaint narrative:
My husband and I were struggling with finances last year as we spent all our savings on XXXX XXXX  treatments. We went ahead and took a {$5000.00} loan with Lendmark Financial Services to help us cover the cost of XXXX of the XXXX  procedures on XX/XX/year>. 
We went in person to Lendmark Financial Services LLC branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX and took a joint loan with a rep in the branch. Our monthly loan payment is {$180.00}, and after making payments for some time we noticed that the balance remained fixed and it was not going down. We assumed that this is happening due to high interest. However, only after digging into the portal information further, we learned about an active joint credit life insurance that was added to our loan. Then it all started to make sense. Neither I, no my co-borrower were informed about this optional joint credit life insurance that was added to our loan costing us $ XXXX, which was added without our knowledge and consent during signing. This has kept our principal balance at {$3900.00} despite monthly payments of {$180.00}. We called Lendmark customer service and cancelled the insurance, but we were informed that we only will be reimbursed for this month 's premium. My husband and I both affirm that no one explained this is an optional product during application and loan signing. We believe the customer assistant took advantage of our distressed situation needing funds for the XXXX procedure and absolutely did not disclose to us this add on. After doing a research, we see that this incident aligns with a pattern of complaints against Lendmark for 'credit insurance packing ', where costly add-ons like credit life is included without clear consumer consent, as well as 'aggressive sales tactics ' and lack of transparency. I've requested Lendmark branch representative, XXXX XXXX, to mail me the contract, but we have not received it yet. I'll provide it upon the receipt. But with or without the contract, XXXX separate individuals, my husband and I are certain we did not receive any information about the optional insurance and it's cost. Otherwise we would never agree to it. If they hid it within the contract without telling us about this this is another violation of our rights. We demand a full refund of insurance premiums paid since the loan began, as this undisclosed practice violates fair lending laws and that that premium balance is added as a repayment for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : 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 XXXXXX/XX/XXXX, Balance : {$510.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$520.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$370.00} INQUIRIES : 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo continues to report a charged-off auto loan with XXXX late payments, despite numerous legal and factual discrepancies that Ive documented and disputed. Their internal documentation directly contradicts the timeline they claim supports the charge-off. For example, they accepted payments late into XXXX  but simultaneously allege default began much earlierwithout reconciling these inconsistencies. This suggests misreporting or re-aging in violation of FCRA 607 ( b ).

They have failed to properly validate the debt under FDCPA 809 ( b ). The documents they provided include generic statements, form letters, and boilerplate contractsnone of which constitute legal validation or confirm accuracy of reporting. They ignored key facts I submitted, including a breakdown of transactions and errors in default notices. 

Worse, they refuse to mark the tradeline as disputed with XXXX  or XXXXviolating FCRA 623 ( a ) ( 3 ). Their CFPB responses have grown increasingly dismissive, stating they will no longer respond or review new evidenceclear noncompliance with FCRA 611. 

Their final response posture is a clear evasion of regulatory accountability and a denial of my legal rights under federal consumer protection laws. At this point, Wells Fargo is knowingly allowing inaccurate data to remain on my credit report without conducting a fair, transparent reinvestigation. That is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CO

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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

Complaint narrative:
I discovered that a fraudulent account from XXXX XXXX XXXX  was reported on my credit reports without my knowledge or authorization. This account is not mine and appears to be the result of identity theft. 

I submitted disputes to XXXX, TransUnion, and XXXX  between XXXX and XX/XX/year>, along with supporting documents, including a police report confirming identity theft and a court document showing that I was falsely accused and later cleared. Despite these actions, the account remains on my credit file. 

The credit bureaus updated the status to Consumer disputes reinvestigation in process, but the account was not deleted. My credit score dropped as a result, causing me financial harm. I have also sent letters to the credit bureaus and XXXX XXXX requesting full removal of the fraudulent information. 

I am requesting that this account be permanently deleted and my credit report corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b"On or about XXXX someone hacked my bank account, opened accounts in the middle of the night and bounced money from account to account until they XXXX  the account XXXX. My mom who had a joint bank account received text alerts, as soon as the bank opened she called and my accounts were temp closed. Then we went to the bank in XXXX XXXX and spoke to someone over the phone who started the investigation. \n\nthe bank never contact me, did any investigation or provided any resources. They simply closed my account and kept the little money I had saved, about XXXX  on one account and XXXX  on another account. I'm XXXX  and depend on my money, they simply kept it.\n\nI am the victim of Identity theft, this is not okay to treat customer and not provide needed help when they are victims of FRAUD. the bank can easily track the money and see that it was not me and that I did not moved hte funds or take the funds. I need this resolved.\n\nSomeone stole my information and used it in another state to open bank accounts. I've only live in XXXX and only XXXX  years old, student. Living with my mother. Someone hacked my bank account and open accounts as well and same day my mom who had jointed account contacted Bank of America and they were to do an investigation and remove things BUT nothing was done and when I reached out to the bank no one would help, visiting the branch they would not help and said I needed to call the number of the ATM card but they treated me and my mom like we created this issue and allowed the fraud and Identity theft to transpired. I only had two credit card one for an appliance and another with Bank of America which was closed. I've disputed the information with the XXXX XXXX and they removed my accessto attempt to monitor my account online. I need the information removed and updated to be accurate.\n\nMY ONLY RESIDENCE SINCE I WAS BORN:  XXXX XXXX XXXX XXXX XXXX XXXX. AND I HAVE NEVER LEFT HOME OR USED ANY OTHER ADDRESS. ALSO MY BIRHTDAY ON IS XXXX, I SEE THE FRAUD PEOPLE USED SOME OTHER DATA.\n\nmy valid accounts with Bank of America are XXXX XXXX XXXX XXXX XXXX on or about XXXX XXXX XXXX  they moved XXXX XXXX XXXX which I have never had in my life around the account, after contact  Bank of America they opened a claim XXXXXXXX  and others to resolve they sent a notice that no loss was found and \n\nI AM WAITING ON RESOLUTION AS I AM GOING TO CONTACT THE NEW CHANNEL TO HELP ME BECAUSE I AM DESPERATE"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I accidenily used a XXXX store card to purchase something instead of debit card. The XXXX store card never sent me balance info so a {$12.00} charge ended up causing this. This is my only missed payment. They promised me it would be removed as I have a young family and this impacts me. Please help me remove this silly mistake

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MS

Complaint narrative:
There is an address that I have tried to remove repeatedly and its not removed. I have never lived at that address. Incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FC HoldCo LLC
State: NC

Complaint narrative:
I have inquiries on my credit report that I did not authorize on XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$520.00} 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 XXXXXX/XX/XXXX, Balance : {$210.00} 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 XXXXXX/XX/XXXX, Balance : {$580.00} 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 XXXXXX/XX/XXXX, Balance : {$440.00} 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 XXXXXX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1500.00} INQUIRIES : 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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have received 2 letters from this company. It states that I am default status with Fifth Third Bank. They are telling me that I need to resolve this matter promptly in order to avoid legal judgment, serious implications to my credit report, and it may be reported to ChexSystems. They state I have a balance of {$1300.00}. I have not had an account with Fifth Third Bank in 20 years, and was actually invited to partake in a class action lawsuit against them due to being erroneously charged fees in excess of what they were supposed to be charging. Either way, I stopped banking with them decades ago. When I looked up XXXX XXXX XXXX XXXX XXXX, I saw many posts about them and that they are a scam. Same types of claims, but different banks. When people called the number, often times it seemed as though it was a personal number, not a business. I know I don't have any debt with them, and I know this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I opened a checking and savings account with First National Bank ( FNB Corporation ) directly on their website on XX/XX/year> and successfully applied a {$700.00} promotional bonus code for meeting certain requirements. I have screenshots of the code being applied and verified with a customer service representative at their company that the promotion was applied and valid. Shortly after, I was informed I was no eligible as I was not a targeted customer who would have received a letter to apply. At no point in the terms and conditions did it make any mention of needing to be targeted and it made no mention of this again when the promotional bonus code was automatically applied directly on their website. I have attached screenshots during my signup process to verify. All of this has since been removed. After contacting the branch they either ignore my e-mails or have stopped returning my calls other than to say my account is ineligible even if I continue meeting the requirements.

Company response to consumer: Closed with explanation