vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
The company 's name is affirm and it is a loan company. They apparently charged whatever they want to charge whenever they want to charge it for whatever reason they want to charge it. I borrowed {$150.00} and that was the amount of the loan and they charged me {$18.00} in interest over a period of three days. I've never heard of interest that high before. When I complain they get offended and they charge me for things that I don't owe. This company should be thoroughly investigated because it is very crooked. What the XXXX XXXX XXXX  says about them is not true they are not dependable they are not a plus rated. They are dishonest as they can be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am resending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-18 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: MA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
I originally had a debt with XXXX XXXX, I contacted them and settled the debt and I now have a new account opened with them, and XXXX, XXXX, and XXXX are still reporting that I owe the debt although I have a new opened account that I currently use. This is defamation of character. I also disputed online with XXXX and they will not allow me to see the results, but I still see the collection even though I have an opened current account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2025 Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and desist request for Ref # XXXX Ref # XXXX Ref # XXXX Dear, Sir or Madam, I am writing in response to your recent communications regarding an alleged debt associated with my name. Please be advised that I do not acknowledge owing the debt that you are attempting to collect, nor have I been provided with any valid documentation providing the existence of this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease and desist from any further communication regarding this matter. This includes, but not limited to, phone calls, letters, emails, or any further forms of communication. If you have any documents or evidence of the alleged debt, I request that you provide this information to me in writing. Failure to provide proof of this debt will result in you being required to cease all collections immediately. 
Additionally, please note that you are prohibited from reporting any information about this alleged debt to credit bureaus while this matter is unresolved. 
Please treat this letter as a formal request to cease all collection activities in relation to this unknown debt. Should you continue to contact me or attempt to to collect this alleged debt without proof, I will not hesitate to take appropriate legal action. Thank you for your attention in this matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: MI

Complaint narrative:
I made a online transfer from my XXXX checking account to my discover savings account on XX/XX/2025. Discover says they never got it. I have a letter of transfer for proof from XXXX. The amount is {$2000.00}. my money is missing, thank you and I hope you can help, I am retired and that was my whole savings,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
Incorrect information being reported on credit report that does not belong to me. 
Re : Dispute of Collection Account XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of a collection account listed on my credit report. Upon reviewing my credit report, I found a collection entry that I believe is either incorrect or has been reported in error. This collection account is causing harm to my credit score, and I am requesting that it be investigated and removed if found to be inaccurate. 
The collection account in question is as follows : XXXX ( XXXX XXXX XXXX XXXX XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. The FCRA ( Section 1681i ) requires credit reporting agencies to conduct a reasonable investigation into disputes and remove any inaccurate information. 
Additionally, I am requesting that you provide the following documentation to verify this debt : 1. The original account agreement or contract showing my responsibility for the debt.

2. Proof that the collection agency has the legal right to collect the debt on behalf of the original creditor.

3. Any supporting documents that show the debt is mine and has not been paid or settled.

4. A detailed accounting of the amount owed, including any interest or fees added. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute the validity of a debt and request verification. Therefore, I respectfully request that you contact the collection agency and ensure that they provide appropriate documentation to verify the debt. 
If you are unable to provide verification of this debt or if the information is found to be inaccurate, I ask that the collection account be removed from my credit report immediately. 
Please note that the FCRA requires a response to this dispute within 30 days. I also request that you send me a written confirmation once this matter has been resolved, along with an updated copy of my credit report reflecting any changes made. 
Thank you for your prompt attention to this matter. Should you require any further information, please do not hesitate to contact me. 
According to the Fair Credit Reporting act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please removed all information.

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 2025-03-18 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
TO CAPITAL ONE BANK BANK OFFICE OF THE VICE PRESIDENT SUBJECT : CHECK BOOK, DATA BREACH HELLO XXXX XXXX 
I THE UNDERSIGNED CLIENT OF THIS BANK HAS SUBMITTED THAT MY CHECK AND SAVINGS ACCOUNT WAS COMPROMISED FOR USD XXXX. SO I HAVE CONTACTED THIS OFFICE TO REFUND ME THE CASH COMPROMISED WITH INTEREST TODATE AND BANK EXECUTIVE PROMISED TO ADD ME TO REFUND LIST.

I HAVE ORDERED A CHECKBOOK IN PERSON BY PAYING USD XXXX XXXX TO MAIL TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BY GIVING EXACT ADDRESS AS SHOWN ABOVE BUT CHECK HAS NEVER BEEN SENT EVEN IF REPEATEDLY UPDATE VIA CUSTOMER SERVICE OF CAPITAL ONE BANK. ( THIS ISSUE WAS REPORTED TO CFPB ALONG WITH PASSWORD REST PROBLEM WITH THIS BANK ) I BELIEVE CAPITAL MAY BE AWARE OF OFFICIAL CHANGE OF ADDRESS VIA US POSTAL SERVICE, AND ONLINE CHANGE OF ADDRESS ON IRS WEB SITE, BUT CAPITAL FAILED FAILED TO UPDATE THE RIGHT ADDRESS AND CLAIM TO HAVE WRONG OR OLD ADDRESS ON FILE AND WAS NOT WILLING TO SEND CHECK BOOK AND RESET PASSWORD. 
I HAVE ALSO REPORTED TO XXXX XXXX A COMPROMISE OF CREDIT CARD DOUBLE PAYMENT BY XXXX XXXX, A CASH COMPROMISE FROM XXXX AND CHECKING ACCOUNT ON TIME WHICH HAS TAKEN PLACE SYSTEMATICALLY WHICH SHOULD BE AUDITED, AND EFFECT REFUND PLUS INTEREST WITH OTHER CLAIM REFUND LIST PER CIVIL SUIT JUDGMENT APPROVED I HAVE ALSO UPLOADED MY US PASSPORT FOR SECURITY VERIFICATION AND ORDERED ANOTHER CHECK BOOK. STILL MAIL IS NOT GOING OUT WHICH PROVE POOR SERVICE OR A DOUBLE STANDARD BY THE BANK, AND I HOPE TOP MANAGEMENT WILL SUPERVISE AND ACT AS PER REGULATION OF BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
Transunion is reporting two different credit scores to me and to creditors and not updating my credit accounts.

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 2025-03-18 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase on XX/XX/year>, for {$150.00} from XXXX XXXX XXXX for access to the XXXX checkout automation software. The software was advertised as a tool to automate online purchases, but it did not function as described despite following all setup instructions. 

I contacted the merchant multiple times requesting assistance or a refund, but they refused, citing their Terms of Service ( TOS ). However, the TOS was not available for review on their website after purchase, making it impossible to verify their refund policy beforehand. 

I disputed the charge with Citibank, but my claim was denied because the merchant provided access logs showing that I logged in. However, logging in does not prove that the software worked as advertisedonly that I attempted to use the service. Citibank did not fully consider that the product was defective and that the refund policy was unfairly enforced. 

This business appears to have a pattern of selling software that does not work as advertised while refusing refunds under misleading terms. I am seeking assistance in having this dispute fairly reconsidered, as I was denied a refund for a service that failed to perform as promised.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Please send your written response to my address written above.

I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges.

from consumers, regardless of the specific information that they have provided.

This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action. 
Kindest Regards, XXXX  XXXX bankruptcy false verification. You refuse to investigate. This is illegal

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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