vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
I am writing regarding an unresolved issue with my Affirm account that has been ongoing for nearly 90 days. 

On XX/XX/year>, I was approved for {$900.00} in credit and made a purchase of {$760.00}. 

I later returned part of that order for {$600.00}, and Affirm processed the refund. 

However, Affirm has not updated my records to reflect the correct purchase amount of {$760.00}. 

Despite multiple calls and emails, I have repeatedly been told the matter would be corrected within XXXX business days, but as of today, it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
We ended our lease and paid everything owed with the Preserve located at XXXX XXXX of XXXX XXXX XXXX XXXX, FL XXXX, we did a walk through and were told we were good nothing owed. They even printed us a ledger and gave a credit check statement to our broker that we owed nothing. We gave them our forwarding address to send our final deposit of {$200.00}. They never sent it, Several months after we moved out we started receiving letters from a collection agency, we called the preserve and stated they charged us for carpet that was coming up in the corner of the closet, We had submitted multiple complaints to code enforcement about the carpet they had a leak in the ac and roof and assured us we would not be responsible for damages as it was caused by their lack of maintenance I have several emails back and forth with management about this as proof, i even have code enforcement complaints documentation from the city and I even spoke with the Mayor of XXXX about it as the AC was never working and flooding the apartment. They said they were charging us for only a small corner of a closet as the carpet was damaged, I asked them to produce evidence of damaged carpet in the corner of the closet, to which they never showed me evidence. They didnt show me the invoice and to patch a corner in a closet is not {$1700.00}. The law states that normal wear and tear can not be charged, due to them installing cheap carpet and constant ac flooding issues this not a damage. They never sent me a certified written notice by mail within 30 days with an itemized statement, they didnt give me 15 days to object by law I drove to the apartment asked to speak with the new tenant she said no new carpet was installed. I asked neighbors and they said they didnt put new carpet.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX PL XXXX XXXX XXXX, NC XXXX RE : Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern, This letter is a formal notice under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) that you must immediately cease all communication with me, except as allowed by law.

I am requesting that you stop all forms of contact, including but not limited to phone calls, letters, emails, and messages to my home or place of employment.

Failure to comply with this request will leave me no choice but to report your actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office. 

Please confirm in writing that you have received this letter and will comply with my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am writing to formally dispute and demand resolution for severe financial harm caused by Citis mishandling of my Best Buy credit card account. Despite later refunding an unauthorized withdrawal, Citis actions caused cascading financial devastation that continues to affect my family today.

Timeline of Events : - XX/XX/year>XXXX  : I received multiple emails from Citi confirming my minimum payment due was {$250.00}. 
- I called Citi and was assured no large withdrawal would occur and I had extra time to pay deferred interest. 
- Despite this, Citi withdrew {$3400.00} from my bank account more than ten times the stated minimum without authorization or notice.

- The funds were refunded more than a month later, but the delay triggered overdrafts, late fees, and further harm. 
Consequences : - Overdraft and late fees exceeding {$1000.00} - Loss of {$250000.00} life insurance policy due to nonpayment - Late reporting on vehicles, cellphone, rent, and utilities - Negative credit impact and ongoing financial hardship

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 2025-08-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a 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 explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
Theres information published on my credit report that was obtained unlawfully. The state of Michigan does not report directly to the credit bureaus. Ive asked where they are getting this information from but they will not respond. I have not given any consent to publish any of my personal information. This is defaming and highly stressful.

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 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX {$27000.00} were taken via ACH transfer from our account. We reported this on XX/XX/XXXX. We are usually on top of checking our accounts however we had a hectic month since we were in an escrow process as well as dealing with the death of a family member. Wells Fargo denied our claim on XX/XX/XXXX ( Claim # XXXX ) saying we only had two business days to make a claim. For a small business like us, {$27000.00} is a steep hit. Wells Fargo has been very unresponsive and not sympathetic at all. We have tried to escalate this matter with them and resolve this amicably but they regurgitate the same information over and over again stating we only had two days to make a claim. We did not know about this policy which I believe is very negligent. Any one who has one of our company checks can have access to our account and routing information and therefore make an ACH transfer. Wells Fargo should have safe guards in place to authorize ACH transfers of large amounts considering anyone can easily access our account information. As a small business, we put our trust that Wells Fargo would protect us from fraud, however, now we feel more vulnerable than ever. We want to close our account but have kept it open in hopes Wells Fargo will do the correct and moral thing and return money that was wrongfully taken from us.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland funding has sent me letters and contacted me by phone regarding a debt in the amount {$1500.00}. I have asked asked to send me documentation that i owe Midland a debt collector. This has been on going and I am asking for proof that I owe Midland this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX  Date XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX  Account Number 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  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] [ XX/XX/year> ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] [ 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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Complaint Against : Capital One Auto FinanceProduct : Auto LoanAccount Number : XXXX Summary of Issue : I have an auto loan with Capital One Auto Finance opened XX/XX/year>, with an original balance of {$21000.00} at a 15.15 % APR for 72 months. Despite making consistent, on-time payments of {$440.00} each month, my loan has accrued nearly {$8600.00} in interest, while my principal balance remains over {$10000.00}. I have already paid {$19000.00} but the payoff amount remains {$10000.00}. The loan is structured in a way that disproportionately applies my payments toward interest, which is unfair and excessive. I also believe Capital One has failed to provide transparency in how my payments are applied, despite my requests. Steps Taken : * I contacted Capital One to ask for an interest rate review, re-amortization, or proper accounting of my payments. * I have not received a satisfactory explanation or correction. Resolution Requested : * A full accounting and itemization of how every payment has been applied to principal and interest. * Re-amortization of the loan or a reduction of my APR to a fair rate in line with market standards. * Correction of any misapplied payments. * Removal of any negative credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint to formally dispute multiple unauthorized inquiries reporting on my TransUnion credit file. Rather than mailing the dispute separately, I am including my dispute letter as an attachment to this complaint so that the CFPB may directly forward it to the credit bureau.

The unauthorized inquiries is : XXXX XXXX XX/XX/year>. 
This approach ensures a verifiable chain of communication and gives me confidence that TransUnion will receive my request, acknowledge it, and respond as required under FCRA Section 611.

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