vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing a loan that was opened through Affirm on or around XX/XX/year> during a high-pressure, misleading sales presentation by XXXX XXXX  ( also known as XXXX XXXX  ). 

I signed this loan in good faith, believing I was purchasing a flexible vacation membership. However, within days of signing, I discovered overwhelming online reports from other consumers describing nearly identical experiences being deceived, rushed, and falsely promised things that were not reflected in the written contract. 

The loan amount is listed as {$6000.00}, with a past-due claim of {$440.00} and annual dues of {$930.00}, per Sapphires email to me. However, I never used the service, never made a payment, and canceled my payment method immediately to prevent fraud. 

On XX/XX/year>, I formally emailed XXXX XXXX requesting cancellation due to misrepresentation. I also emailed Affirm on XX/XX/year> to request cancellation of the loan and removal of any collection or credit reporting risk. 

To date, I have not received a resolution from Affirm. 

This complaint is being filed to request : Formal cancellation of the Affirm loan Written confirmation that I will not be held liable Protection from negative credit reporting or collections Thank you for your support in helping resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report that I can provide to support this. Please see attached documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding my solar loan with GoodLeap, LLC ( Loan Agreement # XXXX, signed XX/XX/XXXX ) and the installer XXXX XXXX XXXX. 

XXXX XXXX performed only a partial installation of my solar system and it has never been operational. Despite this, I have been required to pay XXXX $ XXXX since XXXX, with payments scheduled to increase to {$540.00} more than my XXXX utility bill. 

XXXX XXXX is now bankrupt and out of business, leaving me with an incomplete system, no warranty, and no maintenance provider. My GoodLeap loan agreement includes the FTC Holder Rule clause, which states : Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained with the proceeds hereof. 

Because XXXX failed to deliver a working system, I am asserting these defenses against GoodLeap. I have already sent a formal cancellation demand and payment suspension notice to GoodLeap. Instead of canceling, they have delayed and suggested assigning a third-party servicer, which does not resolve the breach of contract or the absence of warranty. 
This is a clear case of failure of consideration, breach of contract, and unfair trade practices. I respectfully request that the Attorney Generals Consumer Protection Division investigate this matter and compel GoodLeap to : Cancel Loan Agreement # XXXX in full, and Refund/credit all payments I have made to date. 

Supporting documents ( loan agreement, cancellation letter, photos, GoodLeap correspondence, and proof of XXXX XXXX  bankruptcy ) are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and capable of being verified. I am requesting a thorough investigation into these entries, and if verification is not possible, I ask that they be corrected or deleted from my 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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-24 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NEW YORK COMMUNITY BANCORP INC
State: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted accordingly.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had fraud on my US Bank XXXX XXXX so US Bank open up another US Bank XXXX card and on the XXXX XXXX XXXX that the US Bank Closed i did have some of my bills set up on the old card which the bank closed. The Bank is using my new card to pay my old auto pay that i had set up on my old debit card. Now The Bank is setting Up auto pay on my new card with out my permission Which is Against Fed. Law because they can not pay bills on my new debit card that was set up on my old debit card when the debit card was closed because of Fraud. And also i do not and to this day have not received. By Fed. Law EFTA they still taking money out when it is in the ~

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: NY

Complaint narrative:
Good morning, I need help with an issue Im having with Key Bank, the institution I use. My account was overdrawn but I made a deposit last Monday. Key bank told me that because my account was overdrawn, theres a hold on my account for 5 business days. The bank was declining any payments coming through because my account is still overdrawn. I called them yesterday to find out if theres a chance the deposit I made could clear earlier and they said no. The representative also told me that if a payment comes through it wont get charged to my account and as a result theres would be no overdraft fees to pay. Conveniently however, the bank changed the feature as of last night and is now allowing payments to get posted in my account even though they still havent cleared my deposit. On top of that, theyre now telling me that I would most likely get charged an overdraft fee for all these pending transactions. The three payments that posted on my account amount to {$12.00} but yet Im going to get charged {$20.00} overdraft fee for each item for a total of {$60.00} I find these bank procedure crooked and corrupt and even illegal. Please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
I recently received a letter from Union Home Mortgage claiming that I had an account with them. I have never opened, applied for, or maintained any account with this company, and I do not see them listed on any of my credit reports. 

This is concerning because I have never conducted business with Union Home Mortgage. Their letter is either an error, or an indication that my personal information may have been used without my knowledge.

I request that Union Home Mortgage provide full documentation proving the existence of any alleged account. If no such account exists, they must immediately remove any records tying my name to their system and confirm that no inaccurate information has been or will be reported to the credit bureaus. 

In addition, I request that they cease all misleading correspondence and issue a written resolution clarifying this matter. If this contact was the result of identity theft, I ask for the appropriate corrective actions and protections. 

Finally, I request compensation for the stress, time, and reputational harm caused by being improperly linked to an account I never had. This situation has damaged my peace of mind and could potentially impact my financial standing if not corrected immediately.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My Plus Finance credit card, with a {$1500.00} limit, has placed me in a cycle of debt that I can not reasonably escape. Despite making steady payments from XX/XX/XXXX through XX/XX/XXXX, my current balance is {$1500.00} nearly my full limit and is made up almost entirely of interest and late fees rather than purchases. 

Between XX/XX/XXXX and XX/XX/XXXX, I paid approximately {$1400.00} toward this account. However, these payments made no meaningful reduction to my balance because nearly all were consumed by penalty charges. 

My statements show the following charges : XXXX : {$500.00} in interest and {$240.00} in late fees = {$740.00} XXXX : {$490.00} in interest and {$240.00} in late fees = {$730.00} XXXX ( to date ) : {$120.00} in interest and {$80.00} in late fees = {$200.00} This totals {$1600.00} in interest and late fees since late XXXX, an amount that exceeds the cards {$1500.00} limit. In other words, my balance today is not the result of unpaid purchases, but almost entirely of accumulated fees and interest. 

I contacted Plus Finance and explained that I was unable to pay down the balance because my payments were being consumed by compounding charges. I asked that the interest and late fees be reduced or removed so I could bring the account into good standing. The company refused, citing my original contract, and instead offered a payment program based on the inflated balance. 

I have hardly used this card since opening it, yet after paying back nearly the full credit limit in good faith, I remain trapped with a balance comprised mostly of penalty charges. I believe this practice is unfair and abusive.

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 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2025, I initiated 2 ACH transfers from my Chime account to my previous XXXX account which happens to be a closed account, but was still listed in my optional accounts. XXXX returned the transfers on XX/XX/2025 because the account is closed. I obtained confirmation and documentation at a XXXX XXXX XXXX branch which included the return details and trace number. 

I filed a dispute with Chime twice. The first dispute was denied. In my second dispute, I submitted the XXXX documentation clearly showing the funds were returned on XX/XX/2025. Despite this, Chime denied the dispute again and has not credited the funds back to my account. 

I was told I would receive an explanation of the dispute decision within XXXX business days via email. Once I received it, the only response I received was an intake form ( Claim ID : XXXX ), along with a copy of the documents I had already submitted and my transaction history with no real explanation except it shows that the funds were never credited back. ( attached documents ) I have also called Chime customer support numerous times, but each time I receive vague answers and the runaround without any real progress. It has now been several weeks, and Chime has failed to resolve this issue despite clear proof from XXXX that the money was returned. I am requesting that Chime immediately locate and credit the returned funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> TransUnion

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 2025-09-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-09-24 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-24 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief