vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
ARBOR PROFESSIONAL SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research ARBOR PROFESSIONAL SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

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 four 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} 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 US 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 explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: I.C. System, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$130.00} I.C. SYSTEMS, INC- XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} XXXX ACCOUNT/CLOSED ACCOUNT-XXXX XXXX {$2200.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} CREDENCE RESOURCE MANA- XXXX XXXX XXXX XXXX {$3000.00} XXXX ACCOUNT/CLOSED ACCOUNT-XXXX XXXX {$2200.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had my family send me money from overseas due to an accident I had and damages were not covered by the insurance and my and my family gave the money to a currency exchange co to send it to me through my bank. Citibank found the way money was deposited in to my account unorthodox and blocked my account. When I tried to get information as to what was happening and why I wasnt allowed to use the money, they gave me no answer and told me that their banking relationship with me was over and they were in the process of closing my account! Every time I went to the branch or called, I got no answers whatsoever! 3 days a go I received a final statement saying that my beginning balance was {$7100.00} and there was a withdrawal on XX/XX/XXXX  and now my balance is XXXX! I called right the way and after keeping me on hold for over an hour, they said they cant talk to me at the time and while I was still talking, requesting answers as to where my money is, they rudely hung up on me. Meanwhile, my car, fixed now, is still in the body shop and I have spent {$1000.00} of dollars on transportation like XXXXXXXX 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 monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I have a loan with Affirm that has been refunded to them that they refuse to add into my payment schedule. 
Loan # XXXX A {$120.00} loan. Refund the amount used is {$120.00}. They received the XXXX on XX/XX/year>. They refuse to pay the loan amount I have an email from XXXX XXXX stating the fact and I see it in my account being held. I have used chat. I have called. I am now putting in complaints where I can. They have no email to communicate and send proof although they have the proof in my account and they said they see the refund, but they will not add it into the schedule. I owe XXXX dollars on this account loan And they are refusing to add the refund in the loan. They told me that I need to stay on my schedule payment, which is due soon on a loan that I owe XXXX dollars on I have no faith that they are going to ever pay this loan back because theyve had plenty of time and theyve refused it every single time Ive made contact I have never ever had a problem with a firm, but after I pay off my other loans, I will never ever use them again and I will send complaints in when I can. This is horrible customer service and I would think this would be illegal to hold onto funds that are meant to repay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LEXISNEXIS
State: OH

Complaint narrative:
XX/XX/year>, I received a return letter from Lexis Nexis Consumer Center regarding disputes I requested verification on. They instead sent me a letter stating that the results of reseller information. Under the FCRA ( 15 U.S.C ss 1681i ) Lexis Nexis has to verify their information they are reporting under my name. Lexis Nexis is in direct violation of my rights to receive information they're reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

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 ] Account Number : [ 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 2025-09-08 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: TX

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 ] Account Number : [ 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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
For the past week i have been receiving harassing calls & text messages from MRS BPO, regarding an alleged debt i have received text messages on, XXXX ( XXXX XXXX ), XXXX, XXXX and XXXX. i do not owe this debt, i am not aware of this debt and i wish to no longer be contacted regarding this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased an electric bike from XXXX for {$580.00} ( posted XX/XX/year>XXXX  ). Within 6 months the bike proved defective and unsafe : the rear wheel spokes repeatedly broke, causing instability ; photos also show uneven rear tire wear vs the front. I repeatedly sought help from XXXX and its vendor ; both refused any remedy, citing past 3 months. 

Amex closed my dispute strictly on the 60-day FCBA window and declined to consider the new evidence or any goodwill remedy, leaving me with a defective, unsafe product and no merchant support. Im asking Amex to reopen/review and provide relief ( credit or other resolution ) given the clear defect and merchant refusal. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On or about XX/XX/XXXX I took out what I thought was a loan with my business designer XXXX XXXX through XXXX XXXX. The loan was an interest free loan for two years as long as everything was paid on time the interest would not appear on about {$25000.00}. I had called Synchrony Bank to set up the automatic payments per their guidance to properly set up and pay so that I wouldn't have to pay all the interest on a brand new business loan. It seemed like a wonderful deal, as long as I was a faithful payer everything should go well. After I called Synchrony to set up the monthly payments per their guidance so I wouldn't have to back date interest to XXXX of XXXX, I left it alone because I knew it would be fine because I will always pay on time. When I checked on the account to make sure everything was paid off I noticed last month that there was over {$13000.00} dollars of interest added and as of XX/XX/XXXX I still had {$10000.00} left on the account with the additional {$13000.00} totaling {$23000.00} still owed. I called the company immediately to find out why and they mentioned that the payments I was making was not enough to pay off the debt in the two years. I mentioned that I had called the company to set up the account to make sure I didn't reach that marker but I was overall a lie and now the company is forcing me to make the additional interest payments of the full amount of {$25000.00} at 26 % interest. I did everything humanly possible to make sure I was doing the right thing but this company still pilled on all the interest knowing that when they set me up for the automatic payments that I wouldn't be paying off the " loan '' in time. Another issue is I was told this was a loan while it only ended up being a credit card type scam. 
While the paperwork says the interest will reactively reflect deferred interest after the time period the paperwork only says a minimum payment will due but does not mention that the minimum payments due will not pay off the loan in time, which means the company makes you figure out the payments on your own and doesn't tell you how much is needed to pay to meet that APR Free period. I consider this deceitful for a new small business just trying to take off from the ground. And I appreciate the " loan '' to do so but the smack to the face with the deferred interest when I coordinated as much as I could to make sure I paid everything on time even making calls to the company itself. When I called to talk to a supervisor hoping they would be receptive I had to talk to three different mangers and told no at every level.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
What Happened : I borrowed {$400.00} from Enable Loans, which operates under the XXXX XXXX XXXX XXXX XXXX XXXX ( WLCC ) XXXX XXXX I have already paid {$360.00} toward this balance. I lost my job and reached out well in advance of my due date, providing my official termination letter as proof of hardship. 

Their representative, XXXX XXXX, demanded proof, then responded with vague language such as if approved and skip payments, without ever providing a concrete resolution. Since then, I have sent over six documented follow-ups, most recently on XX/XX/year>, and have received nothing but silence. 

To be clear : XXXX XXXX XXXX  XXXX XXXX, this is DEFINITELY your company. Your silence is a deliberate tactic to push me into delinquency despite my good faith efforts. This demonstrates a pattern of bad-faith, evasive, and predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The account was settled in full and was told that I would get a pay to delete letter and I still havent gotten it. I would like for that to be removed from my credit report on all three bureaus is reporting in accurate. I need this to move quickly so that I can purchase a home. Its holding me back. Im asking for a 24 hour delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I asked for a payoff statement for both the primary mortgage and the HELOC fro Bank of America. Since then, I have received four copies of the HELOC statement, six copies of " We've received your request '' letters, and an overnighted letter saying " we understand you're having trouble paying your mortgage. '' I have NOT received a payoff statement for the primary mortgage. When I call, I am given the company line that they've mailed it. No empathy for lack of document in my hands. The USPS seems to be working just fine. It is now XX/XX/XXXX. We ended up having a lawyer request that document, which drove up legal fees. Sheer incompetence on the part of BoA. BoA should, if they were any way honorable, refund legal fees and wages for lost time dealing with their incompetence.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
Atlas Credit Company Inc is reporting XXXX accounts with the same account # XXXX on my XXXX Credit report starting XX/XX/XXXX. These do not belong to me. Validate addresses for each account. 

Atlas Credit Company is reporting to Equifax these accounts starting XX/XX/XXXX acct/ # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX * XXXX there are XXXX different account numbers, these do not belong to me. validate addresses for each account Atlas Credit Company has been reporting to TransUnion Account # XXXX * * * XXXX separate reporting 's staring on XX/XX/XXXX and a 30 day late with the same account number which does not belong to me. validate addresses for each account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CT

Complaint narrative:
Please take this complaint seriously and review the attached file. I have been trying for a long time to correct the errors on my credit report, yet my requests continue to be ignored. I have reached a breaking point as these mistakes have negatively impacted every part of my life. My mental health has suffered, and I can not even afford professional help because my low credit score driven by these errors keeps me from getting approved for credit.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief