vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Reporting inaccurate information. Equifax, XXXX, XXXX, XXXX XXXX. 

I reported inaccurate information online, by mail, by calling all 4 above and I keep getting the run around.

First my name is listed incorrect Second they have an unknown phone number listed for my fraud alerts.

Third I requested all old paid in full Zero balance Closed accounts be removed/deleted. 
Fourth : There's a collection that isn't money reporting and I requested a courtesy deletion. I reached out to the collection agency and all credit bureaus. 

Last : XXXX XXXX of XXXX car delealerahip and XXXX of XXXX.... I applied as a co-signer for a family member for both of these dealerships one time each and they both unauthorized ran my credit together over XXXX times for different lenders and it's reporting individually on my reports. When I called and asked each dealership they told me that in 30 days they will all combine as one and I should only see one inquiry which was a lie.

These said things above are affecting me with getting a new home and upgrading my vehicle and I was even denied a second job in the banking industry due to these. 

Please help CFPB This is not my account. I have no knowledge of this account. 15 USC 1681b Requesting for prompt removal. Also, inaccurate information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NJ

Complaint narrative:
Upon receipt of a letter from XXXX XXXX XXXX, dated XX/XX/XXXX, I sent a request for the following, via certified mail, on XXXX XXXX, XXXX to XXXX XXXX XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating they were responding to my request for validation. Note this was received approximately 60 days past the response due date. The only supporting data that was enclosed with the letter was the original request from my apartment complex, which I had already disputed. 

XXXX XXXX XXXX is in violation of FDCPA as this response was not received within the FTC 's allowed 30 day timeframe. 

XXXX XXXX XXXX has since reported this unvalidated debt on my Credit Reports, which is also a violation because as per the FTC, they failed to respond to my validation request within 30 days from the date of receipt, all references to this account should have been deleted and completely removed from my credit file. I have also filed a dispute with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am a senior citizen living in the state of Florida and have been wrongfully harmed by Goldman Sachs reporting my credit card payment delinquent when it was not. 

My payment due date was XX/XX/25 and the payment was made on XX/XX/25. I have attached a copy of the due date notice for proof. Goldman sachs charged me 3 times my normal payment and charged a late fee and then tampered with my credit which has always been perfect and I have never missed a payment with them. 

I am asking the CFPB demand that Goldmam sachs remove any negative remarks they put on my credit and that they refund any late fees and extra charges they took above my regular payment. As a XXXX  XXXX  I am on a small budget and when a company like Goldman Sachs does this it is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Weekly calls between XXXX  and XXXX. Must of the time I ignored the calls. 
Company name : XXXX Florida : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Information given to them goes against XXXX LAWS/POLICIES. Personal data provided without any consent and demand money to collect paid bill. At this point is harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I bought two {$500.00} XXXX XXXX XXXX issued by Incomm Payments at XXXX store. When I opened the packages, both gift cards were missing the last 4 digits of the card number in the front and the security code on the back. I couldn't use them to make purchase in a store or online. I called Incomm 's customer service at XXXX and the rep opened a case # XXXX. 

On XX/XX/XXXX, I received an email from XXXX and stated they will send me two replacement cards within 7-10 business days. It has past 10 days and I have not received them. So I called their customer service again and the rep told me to send all documents to XXXX for further investigation. It has past 20 days but I didn't receive any response back from them. 

On XX/XX/XXXX, I called their customer service again and the rep let me resend all documents to XXXX again. It has past two weeks but I didn't hear anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>/2025 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Credit breach/data breach Debt charge off Debt collector Debt collector threats of law suits Debt collector continuing to call No verifying of debt

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 2025-05-04 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have repeatedly filed formal complaints through the Consumer Financial Protection Bureau ( CFPB ) to obtain assistance in ensuring my credit report reflects only accurate and verifiable information. Despite my consistent efforts and the ample time provided, as of today, XX/XX/XXXX, my credit report continues to display multiple inaccuracies. 

XXXX, Equifax, and XXXX  have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. 

I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: PA

Complaint narrative:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO XXXX XXXXXXXX BREACH

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/XXXX : Pay Pal stated my account balance was XXXX. 
XX/XX/XXXX @ XXXX XXXX  : Email from Pay Pal stating my account was closed ( no account number or phone number ). 
XX/XX/XXXX : Received statement from Pay Pal unable to open. 
XX/XX/XXXX : Called Pay Pal stated I was unable to open my statement ; I was informed that you can only close an account when you have a XXXX balance and then you lose access to your accounts on line. 
XX/XX/XXXX @ XXXX XXXX  : Received email from XXXX stating I missed my XXXX payment. I called the number for PP and was told they were PP and hung up. 
XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I have requested statements to see where or if there waws a balance owed.

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 2025-05-04 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I recieved an email stating that my credit score had dropped XXXX pts due to non payment on a loan from Affirm. I have never opened an Affirm account and I have been a victim of identity theft. I contacted Affirm and they have not been helpful at all through this. They have not responded in a timley fashion, multiple times said I didn't not send proper information. Today I recieved an email from XXXX stating the dispute I started had been finalized with Affirm stating that I am responsible for the account. Truly Affirm is a horrible company and has made navigation of rectifying the fact I was victim of identity theft extremely difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I have identified multiple fraudulent accounts and incorrect addresses associated with my credit report. Following my disputes, I expected a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, the credit bureaus have failed to comply with federally regulated laws by not removing these fraudulent accounts and not providing clear, detailed information regarding their investigation processes. 

Despite my efforts to clarify and dispute these inaccuracies, the credit bureaus have returned my reports with the fraudulent accounts still intact, citing that they have been verified. This lack of transparency raises serious concerns about the validity of their verification processes and their adherence to the legal requirements outlined in the FCRA. 

I request your assistance in addressing these issues and ensuring that the credit bureaus are held accountable for their actions. I believe it is crucial for consumers to have accurate credit information, and I am seeking a resolution to have these fraudulent accounts removed from my report and to receive a thorough explanation of the verification process that was conducted. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment under FCRA Dear Experian I am writing to formally dispute inaccurate information on my credit report as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

I have enclosed a copy of my identification and credit report. 

The item in question is a reported late payment on the following account : Creditor Name : XXXX XXXX XXXX  Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe this information is inaccurate and unverifiable, because I have made all my payments on time and have never received any proper notice of the due date nor late payments. 

Under the FCRA, you are required to investigate my claim and remove or correct any inaccurate or unverifiable information within 30 days. I request that those late payments be removed from my credit file immediately unless your investigation can verify its accuracy with documentation from the original creditor.

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 2025-05-04 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: IN

Complaint narrative:
The XXXX XXXX account in question has been charged off, yet it continues to report a balance and ongoing late payments on the credit report. A charge-off indicates that the creditor has deemed the debt unlikely to be collected and has closed the account, which should stop the accrual of new late payments. However, the continued reporting of delinquencies and a remaining balance may be inaccurate or misleading, and it may warrant a dispute or clarification with the creditor or credit reporting agencies.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Good afternoon! I called Toyota Credit and told them I had a car accident in 2022 and was out of work for three years. I just started working. I asked them if they could reduce my XXXX amount by at least half, but they said no. They told me they would take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
After receiving an alert from my identity theft protection service, it was confirmed that my personal information has been compromised. Since then, Ive discovered fraudulent accounts and inaccurate reporting on my credit file. These accounts were never authorized by me and are damaging my financial standing. I have already been denied credit because of these items. The alert specifically named Equifax and one other bureau as the compromised sources.

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 2025-05-04 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: FL

Complaint narrative:
After receiving an alert from my identity theft protection service, it was confirmed that my personal information has been compromised. Since then, Ive discovered fraudulent accounts and inaccurate reporting on my credit file. These accounts were never authorized by me and are damaging my financial standing. I have already been denied credit because of these items. The alert specifically named Equifax and one other bureau as the compromised sources.

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 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
I was charged a {$39.00} late fee for being 7 days late on my credit card bill not only is it illegal to charge that much in the state of California they denied my request to have the fee waived

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a complaint specifically against an employee working at Wells Fargo 's executive office, named XXXX XXXX. 

I made a complaint over the phone against a phone operator. XXXX XXXX from Wells Fargo 's executive office called me regarding the complaint. I was going into a meeting so I asked her to call me back at a later time. XXXX XXXX said to me that she can not call me back a second time. 

The standard of people working at Wells Fargo 's executive office is trash quality - XXXX XXXX is an example of that! 

Case : 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 2025-05-04 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: NJ

Complaint narrative:
I filed a dispute based on the incorrect items on my credit report and I have not received any corresponding 's based on my dispute or any investigation results.

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 2025-05-04 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] XXXX Account Number : [ XXXX XXXX ] - Credit Reporting Agencies : [ XXXX, Experian, XXXX ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/ZERO BALANCE- ] -Date Closed : [ XX/XX/2022 ] This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days.

- 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information.

- 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency.

- 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. 
I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately listed.XXXX. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.XXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ).

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