vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment entry reported on my XXXX XXXX XXXX account and Equifaxs mishandling of my previous dispute. 

Account Information : Creditor : XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Late Payment : XX/XX/year> Current Balance : {$290.00} Monthly Payment : {$35.00} In my prior dispute, I clearly requested the removal of the incorrect late payment mark for XX/XX/year> while keeping the account itself active and accurately reported. However, Equifax deleted the entire account from my credit file, which was not authorized by me and contradicts Metro 2 guidelines and FCRA 1681i and 1681s-2. 

This deletion and the inaccurate late payment reporting are causing serious harm to my creditworthiness. I have never been late on this account, and no verified documentation supports the reported late payment.

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 2025-08-05 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: IL

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment entry reported on my XXXX XXXX XXXX account and Equifaxs mishandling of my previous dispute. 

Account Information : Creditor : XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Late Payment : XX/XX/year> Current Balance : {$290.00} Monthly Payment : {$35.00} In my prior dispute, I clearly requested the removal of the incorrect late payment mark for XX/XX/year> while keeping the account itself active and accurately reported. However, Equifax deleted the entire account from my credit file, which was not authorized by me and contradicts Metro 2 guidelines and FCRA 1681i and 1681s-2. 

This deletion and the inaccurate late payment reporting are causing serious harm to my creditworthiness. I have never been late on this account, and no verified documentation supports the reported late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transform Credit Inc.
State: LA

Complaint narrative:
Transform credit inc XXXX XXXX XXXX XXXX XXXX  XXXX Illinois XXXX date XX/XX/year>. XXXX have authorize them to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> {$300.00} XXXX XX/XX/year>, {$300.00} XXXX XX/XX/year> {$2200.00} Wire transfer From XXXX XXXX from her XXXX  Checking Account last 4-digital XXXX Recipient To XXXX XXXX. 
Routing Wells Fargo account last 4-digit XXXX ( my checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Fraud thinking & was jealous that I was her boyfriend XXXX XXXX new girlfriend, he is sending money. XXXX XXXX was asked by his boss to send money for business investment. The fraud allegations closed my accounts, my 3 kids accounts were closed. I am not able to open accounts With Wells Fargo and XXXX XXXX XXXXXXXX. 

I have attached the confirmation, receipts sent and wire transfer 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 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>2025, I was sold a XXXX XXXX XXXX  during a phone call with XXXX XXXX XXXX. I was guided to use Affirm to finance the {$5800.00} charge. Because this sale was completed during a phone call and initiated through an online ad, it qualifies as a commercial telephone solicitation under Florida Statute 501.603.

Under Florida law ( 501.615 ), I had the legal right to cancel the transaction within 3 business days. I exercised that right by sending a Notice of Cancellation by certified mail to both the seller and Affirm on XX/XX/scrub> 2025. 

Affirm acknowledged the dispute but unexpectedly reduced my evidence submission window from 15 days to just 4, without notice. I asked why, that this seemed unfair and favored the seller, but they never responded. I submitted my evidence anyway, but Affirm ruled in favor of the merchant, claiming " merchant followed posted refund policy ''. They ignored my legal right to cancel and failed to evaluate whether the sale complied with consumer protection laws.

I consulted legal services who confirmed the transaction met the criteria for cancellation and notices were sent within the statutory window. Affirms refusal to honor this cancellation appears to violate Florida law, Pennsylvania Law, and the FTC Holder Rule, which requires them to respect the same defenses I have against the seller.

I have prepared a full evidentiary document, including certified mail receipts, legal citations, screenshots, and a detailed timeline that Affirm received already, with some new updates that include Affirms response to the dispute. It can be provided upon request and am currently working on a version to be made public so people can see exactly what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding an account from XXXX XXXX XXXX that contained conflicting and inaccurate information. Initially, TransUnion reported a {$0.00} balance, while Experian and Equifax reported a {$19000.00} charge-off. I disputed this under FCRA 611 and 623, requesting verification and correction. 

The companies responded by updating the tradeline, but the problems worsened. TransUnion changed the balance to {$19000.00}, but Equifax continued to report a different high credit value ( {$20000.00} vs. {$20000.00} reported by the others ), and the dates of last payment and activity are still inconsistent. Despite these updates, the account continues to report as derogatory across all three bureaus, and no consistent verification has been provided. 

I requested full investigation details, including the method of verification, per FCRA 611 ( a ) ( 7 ), but never received a breakdown or supporting explanation from the CRAs. Instead, I received generic letters or no meaningful response at all. These ongoing inconsistencies and refusal to delete or properly verify the account violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 

I am requesting that the CFPB require the companies to either : XXXX. Provide full verification evidence with matching data across all bureaus, or XXXX. Delete the tradeline due to continued noncompliance, conflicting information, and unresolved procedural failures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding an account from XXXX XXXX XXXX that contained conflicting and inaccurate information. Initially, TransUnion reported a {$0.00} balance, while Experian and Equifax reported a {$19000.00} charge-off. I disputed this under FCRA 611 and 623, requesting verification and correction. 

The companies responded by updating the tradeline, but the problems worsened. TransUnion changed the balance to {$19000.00}, but Equifax continued to report a different high credit value ( {$20000.00} vs. {$20000.00} reported by the others ), and the dates of last payment and activity are still inconsistent. Despite these updates, the account continues to report as derogatory across all three bureaus, and no consistent verification has been provided. 

I requested full investigation details, including the method of verification, per FCRA 611 ( a ) ( 7 ), but never received a breakdown or supporting explanation from the CRAs. Instead, I received generic letters or no meaningful response at all. These ongoing inconsistencies and refusal to delete or properly verify the account violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 

I am requesting that the CFPB require the companies to either : XXXX. Provide full verification evidence with matching data across all bureaus, or XXXX. Delete the tradeline due to continued noncompliance, conflicting information, and unresolved procedural failures.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX has continued to charge me for property insurance despite admitting they received proof of my own coverage months ago. I submitted valid documentation multiple times showing I had insurance, and they acknowledged receiving it. Yet they continued billing me for unnecessary coverage. 

I also requested a copy of the contract several times, and they refused to provide it until I filed a complaint. After finally sending the contract, they have since ghosted me and ignored all follow-ups about the insurance issue. 

At this point, I do not intend to pay for a contract that was misrepresented, improperly handled, and which XXXX refuses to correct. Their failure to address this situation has left me with fraudulent charges and credit damage I should not be responsible for. 

I am requesting : Immediate removal of this account from all credit reporting agencies A full investigation into XXXX  billing practices Written confirmation that I am no longer responsible for this fraudulent balance I have acted in good faith to resolve this and have been met with silence. I want this removed entirely from my credit history.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
RE : Formal Debt Validation Request pursuant to 15 U.S.C. 1692g To Whom It May Concern, This letter is being sent to you in response to a collection account on my credit profile. Be advised, this is not a refusal to pay but a demand for validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.

Under the FDCPA, I have the right to request full validation of any debt you allege I owe. Until you provide the documentation I have requested, you are prohibited by law from continuing collection efforts, reporting to credit bureaus, or pursuing legal action. Failure to comply constitutes a violation of federal law.

You must provide me with ALL of the following : The name and address of the original creditor.

A detailed accounting and breakdown of the alleged debt, including : The amount of the original debt All interest, fees, and payments applied The full chain of title showing how the debt was legally transferred to your company A copy of the original signed contract or agreement that legally obligates me to pay.

Proof that your company is legally licensed and authorized to collect debt in my state.

Verification that the statute of limitations on this debt has not expired.

A sworn affidavit or notarized statement from the original creditor affirming the validity and accuracy of the alleged debt.

You are hereby notified that any attempt to collect this debt without full validation violates 15 U.S.C. 1692g and may result in legal action for statutory damages, attorneys fees, and any actual damages sustained. This includes, but is not limited to, reporting this unvalidated debt to credit bureaus, continuing to call or write, or threatening legal action.

Take notice : You have 30 days from receipt of this letter to provide full validation.

Any further contact without proper validation will be considered harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General.

All future communications must be made in writing only.

GOVERN YOURSELVES ACCORDINGLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
b'I have been banking with U.S. Bank for nearly 10 years. I currently hold 3 business accounts, 3 personal accounts, 1 business credit card, and 1 personal credit card with the bank. I also have a mortgage Ive been servicing since 2019, and another that I recently refinanced through a different bank.\n\nI regularly use XXXX  to transfer money to my XXXX cleaner and other contacts. I also frequently transfer funds from my XXXX  account to cover negative balances on my U.S. Bank accounts, since most of my bills are set up to be paid from there.\n\nOn XXXX XXXX I noticed I could no longer send or receive money via XXXX  using any of my U.S. Bank accounts. I contacted Customer Service, and after multiple call transfers and troubleshooting attempts, I was informed that U.S. Bank has decided to close all of my accounts, stating they no longer wish to do business with me.\n\nThis decision was made without any prior notice and will cause significant disruption. My salary is deposited into this account, and both my personal and business finances are tied to it through automatic payments.\n\nStarting over with a new bank and re-establishing all of my financial setups will be a major inconvenience. It also puts me at risk of missing important payments, which could negatively impact my credit score.\n\nWhile I understand that bank policy may allow for account closures at their discretion, in this case, it feels excessive and reflects extremely poor customer serviceespecially toward a loyal customer of 10 years.\n\nAffected Checking Account Numbers:\n XXXX XXXX\n\nAffected Credit Card Account:\nXXXX XXXX XXXX XXXX\n\n\nBest Regards,\n\nXXXX 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed an inaccurate account reported by XXXX XXXX XXXX XXXX XXXX and Experian failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute letters, Experian continued reporting this unverifiable tradeline without conducting a lawful, reasonable reinvestigation.

The only validation provided was a digitally signed promissory note, which explicitly states it is only a copy of the original. Anyone can generate or sign such a document digitally, it does not prove a legally binding agreement, and it lacks authentication, notarization, or verifiable chain of custody. This fails to meet the legal standard for verification under both FCRA and FDCPA.

Other documents were generic and unverified including a vague account summary and a non-notarized affidavit. No itemized breakdown, no contract with my wet signature, and no chain of title from XXXX to XXXX or XXXX XXXX has ever been presented. Yet Experian accepted this as verified without proper scrutiny. 

Furthermore, my latest Experian credit report shows duplicate tradelines for the same alleged debt under different names, causing double damage to my credit profile a clear violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ).

Experian has ignored all prior disputes and evidence and continues reporting false information in violation of FCRA 1681i, 1681s-2 ( b ), and 1681e ( 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
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card, XXXX XXXX on XXXX under account number XXXX. XXXX XXXX XXXX  on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX XXXX under account number XXXX. XXXX XXXX XXXX on XXXX under account number XXXX. XXXX on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX under account number XXXX. XXXX  on XXXX XXXX under account number XXXX. XXXX XXXX on XXXX XXXX under account number XXXX. Collections : XXXX XXXX on XXXX under account number XXXX, XXXX  XXXX XXXX on XXXX under account number XXXX, XXXX XXXX XXXXXXXX on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX XXXX under account XXXX, XXXX XXXX XXXX on XXXX XXXX under account number XXXXXXXX XXXX XXXX  on XXXX XXXX under account number XXXX, XXXX XXXX  on XXXX XXXX under account number XXXX, XXXX XXXX XXXX  on XXXX under account number XXXX, XXXX XXXX XXXX on XXXX XXXX under account number XXXX. 
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 collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned 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 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 # XXXX as proof from the XXXX Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-08-06 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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