vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm has incorrectly and unjustly deceived me by reporting {$99.00} to my XXXX  credit report as a collection. On XX/XX/2025 I took out a XXXX month installment at {$130.00} and XX/XX/2025 would have been the last payment. The merchant did not even deliver my final product until XX/XX/2025 and it was faulty. XXXX agreed to refund in full and they required refunding {$650.00} on XX/XX/XXXX and XXXX and once they received back the second set of new impressions they shipped to me without my consent they would refund the final {$99.00}. I attempted on multiple occasions to explain this to no avail. In fact, on the very day XX/XX/XXXX prior to me learning that my credit had been ruined I reached out to customer service here and they told me they would get back to me within XXXX  days and the next day I learned that the {$99.00} was reported as a collection. I was never provided with the opportunity to dispute the validity of this debt within XXXX  days as required. 

In fact, I had paid {$600.00} up to this point and the merchant had refunded {$650.00} if Affirm believed I owed {$99.00}, why did they not retain this portion as payment owed? I have yet to be refunded for the entire amount that I paid. What is horrendous is that they deceive and confuse the consumer. I made every attempt to have them understand what transpired and their miscommunication within their company and the world call centers is so incredibly poor that one says XXXX thing and the other another. I am attaching the information to support my claim. XXXX says I am XXXX  days delinquent, then another today says they reported me because I was XXXX  days delinquent. How? The XXXX month was XX/XX/XXXX and they charged me off XX/XX/XXXX! They had received my payments and the merchants refunds the only thing pending was {$99.00} that would not have even been XXXX  days delinquent until XX/XX/XXXX and they did not even provide me with an opportunity to dispute the validity of this debt! 

They continue to confuse you as a consumer as they send off your info to multiple collection agencies one contacted me XXXX XXXX by the name of " XXXX '' they did in fact provide time to dispute the debt, but the damage had already been done by Affirm themselves. They jumped the XXXX and reported the {$99.00} to XXXX  as a collection, then XX/XX/2025 AFTER the final refund was made by the merchant for {$99.00} a second collection agency XXXX  contacts me same attempting to collect a debt and using the correct process of allowing me XXXX  days to dispute the debt. Affirm did NONE of this and is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Bank is refusing to allow me to close account while charging me a dormant account fee. 
I am not able to visit a branch in person due to being hundreds of miles from the nearest branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-04-23 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: FL

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 2025-04-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 non-monetary relief
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am writing to formally dispute the validity and legality of a collection account reported by XXXX XXXX on my credit report. I am also submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to serious legal violations under the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ). 
At the time the loan was originated, I was an XXXX XXXX Servicemember, and as such, I was a covered borrower entitled to special protections under the Military Lending Act. These includebut are not limited torestrictions on high-interest rates, mandatory disclosures, and protection from certain lending practices. 
XXXX XXXX violated these protections in the following ways : 1. Violating the MLA : The loan issued involved usurious interest rates, excessive fees, and lacked proper assessment of my ability to repay, which is a clear violation of the MLA. Furthermore, I was subjected to repeated loan refinancing ( loan flipping ), which is explicitly discouraged under the MLA 's purpose to prevent such predatory practices.

2. Violating the EFTA : I was required to provide preauthorization for recurring payments directly from my account without clear consent, violating regulations outlined in the EFTA regarding consumer protections on electronic fund transfers.

3. Violating the CFPA : These actions amount to unfair, deceptive, and abusive acts and practices ( UDAAPs ) as defined under the Consumer Financial Protection Act of 2010. 
This account was issued under terms and practices that are illegal and predatory, especially in the context of my status as an XXXX XXXX service member. The presence of this collection item on my credit report continues to cause my inability obtain credit and is a result of violations of my rights as a consumer and servicemember. 
Therefore, I am requesting the following : 1. Immediate removal of this account from my credit report by all three credit reporting agencies ( Equifax, Experian, and TransUnion ).

2. An official investigation by the Consumer Financial Protection Bureau into XXXX XXXX lending practices. 
XXXX. Confirmation in writing that this account has been deleted from my credit reports. 
Please treat this matter with urgency. I trust that the CFPB will ensure this case is reviewed appropriately, and that the credit bureaus will take swift action to correct this harmful and inaccurate entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, My checking account for Wells Fargo, was charged in the amount {$2500.00} by XXXX Rent a car This was NOT an authorized transaction and despite my account which was already in the negative by at least - {$1.00} and my debit card locked, this transaction was still allowed somehow

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 2025-04-23 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: IL

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
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
In response to : XXXX To Bounce AI XXXX XXXX XXXX This letter serves as a formal dispute of the alleged debt you have associated with my name. I have been a victim of identity theft since 2007. The documentation you provided does not bear my lawful signature. I did not authorize this debt, nor did I provide either a wet or electronic signature. A simple comparison with my valid government-issued identification would confirm this. 

Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report accurate information. Continuing to report information known to be false, including debts resulting from identity theft, is a direct violation of federal law.

Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received by a furnisher ( i.e., a creditor or debt collector ), they are legally obligated to investigate and correct any inaccurate or incomplete information. Failure to reasonably investigate or remove a fraudulent account constitutes a violation of this section.

You are also notified under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ) that it is unlawful for a debt collector to communicate credit information which is known to be false, including failure to communicate that a disputed debt is disputed.

I have filed an identity theft affidavit with the Federal Trade Commission ( FTC ) and am reporting this incident to local law enforcement. I request that you immediately cease collection efforts, provide all original documentation to be forwarded to authorities and remove this fraudulent debt from my record, as required under federal law.

Knowingly reporting or attempting to collect a fraudulent debt after such notice constitutes willful noncompliance. Under 15 U.S.C. 1681n and 1681o, I reserve the right to pursue civil litigation against your company for negligent or willful noncompliance, including claims for actual damages, statutory damages, punitive damages, attorneys fees, and costs. 

I am requesting, pursuant to the FCRA and FDCPA, that you : XXXX. Immediately cease all collection activity on this fraudulent account ; XXXX. Remove any and all reporting of this account from my credit profile ; XXXX. Provide copies of all documents used to substantiate the validity of this debt, including a copy of the original signed contract and a valid government-issued ID used in the application. 

You are now legally on notice. Please forward to all XXXX as needed as you will all be sued individually for fraudulently reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. My privacy was exposed too XXXXXXXX XXXX and unauthorized individual and his employees which is a clear case of a data breach of my private sensitive information and violation. I request full cancellation of my student loan debt showing a balance of {$0.00} and payment history complete 100 %. These accounts shall be immediately cancelled showing an update. Under the Gramm Leach Bliley Act you have a right to opt out of getting your conpublic personal information with non affiliated party And in this situation my rights were violated under the FERPA ACT. They violated your rights bu not providing you with your opt out disclosure. Because as a consumer I have a right to Privacy and also have the right to opt out of getting my nonpublic personal information shared to NON Affilaled Third party persons or companies. 
XXXX. Privacy of Education Records - XXXX can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances. 
XXXX. Access to Records - XXXX ( over XXXX ) and parents ( for minors ) have the right to review and request corrections to their education records. 
XXXX. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing ). 
The violations include : Unauthorized access or sharing of student records. 
Failure to provide students access to their own records. 
Data breaches involving protected student 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 2025-04-23 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:
My personal and financial data was compromised violating FERPA. My privacy was exposed too XXXXXXXX XXXX and unauthorized individual and his employees which is a clear case of a data breach of my private sensitive information and violation. I request full cancellation of my student loan debt showing a balance of {$0.00} and payment history complete 100 %. These accounts shall be immediately cancelled showing an update. Under the Gramm Leach Bliley Act you have a right to opt out of getting your conpublic personal information with non affiliated party And in this situation my rights were violated under the FERPA ACT. They violated your rights bu not providing you with your opt out disclosure. Because as a consumer I have a right to Privacy and also have the right to opt out of getting my nonpublic personal information shared to NON Affilaled Third party persons or companies. 
XXXX. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances. 
XXXX. Access to Records - Students ( over XXXX ) and parents ( for minors ) have the right to review and request corrections to their education records. 
XXXX. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing ). 
The violations include : Unauthorized access or sharing of student records. 
Failure to provide students access to their own records. 
Data breaches involving protected student 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 explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. My privacy was exposed too XXXXXXXX XXXX and unauthorized individual and his employees which is a clear case of a data breach of my private sensitive information and violation. I request full cancellation of my student loan debt showing a balance of {$0.00} and payment history complete 100 %. These accounts shall be immediately cancelled showing an update. Under the Gramm Leach Bliley Act you have a right to opt out of getting your conpublic personal information with non affiliated party And in this situation my rights were violated under the FERPA ACT. They violated your rights bu not providing you with your opt out disclosure. Because as a consumer I have a right to Privacy and also have the right to opt out of getting my nonpublic personal information shared to NON Affilaled Third party persons or companies. 
XXXX. Privacy of Education Records - Schools can not disclose personally identifiable information ( PII ) from student records without written consent, except in specific legal circumstances. 
XXXX. Access to Records - Students ( over XXXX ) and parents ( for minors ) have the right to review and request corrections to their education records. 
XXXX. Control Over Information Sharing - Schools generally need student or parenta! consent before sharing records with third parties, except for certain exemptions ( e.g., government officials, school transfers, financial aid processing ). 
The violations include : Unauthorized access or sharing of student records. 
Failure to provide students access to their own records. 
Data breaches involving protected student information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CO

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-04-23 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: CO

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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