vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo consistently lists it's auto pay for mortgage as the 1st day of the month while it actually charges your account on the last day of the month. This is incredibly frustrating because it creates unexpected drafts from my account which have caused me to overdraft several times and prevented myself and other people on the account qualifying for loans.

I've tried to get it rectified several times. The information on the autopay on its website is contradictory and I'm still being charged on the last of the month even after requesting to be drafted on the first. 

I can't fix is myself because Wells Fargo 's site says I don't even have any recurring payments ( I do ).

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 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My account was repeatedly being overcharged for months until they had no choice, but to close it down there was a reoccurring charge that I had no idea. I do not know where he came from and when I asked them, they didnt fix it. The savings account was open for me to save, and I used it to get my taxes and because they never allowed my money to stay in without touching it for years. I have been missing out on tax income, and I always noticed that when I use Navy Federal, my money would just disappear and today when I want to investigate you, it turns out that a lot of the money that I have been putting into Navy Federal was being taken out without my consent leading to it being closed down because of low funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
On XXXX XX/XX/year>, I reached out to inquire about this informatoin on my credit report. I advise that I never had a contract with this debt collector for any debt ; and for them to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Affirm regarding their failure to properly apply a refund in the amount of {$1100.00} to my account. 

Here are the facts : On XX/XX/year>, I made a purchase through XXXX using Affirm. 

The transaction was later refunded by the merchant. Both XXXX and the merchant have provided written confirmation, including transaction records, showing that the full amount of {$1100.00} was refunded directly to Affirm. 

Despite having this documentation, Affirm has refused to conduct a full investigation or apply the refund to my account. I have repeatedly contacted their customer support and provided them with the proof sent to me by both XXXX and the merchant. 

Instead of resolving the matter, Affirm has dismissed my requests and continues to show the balance as unpaid, despite clear evidence that the funds were already returned to them. 

This situation is not only financially damaging but also negligent on the part of Affirm, as they are effectively holding funds that do not belong to them. 

I am requesting that the CFPB investigate this matter and hold Affirm accountable for : Properly applying the refund of {$1100.00} to my account. 

Providing a written explanation for why the refund has not been processed despite receiving the funds. 

Ensuring that Affirms practices comply with consumer protection regulations. 

I have attached the supporting documentation from both XXXX and the merchant confirming the refund. 

Thank you for your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
Although the balance has been satisfied, late payment notations remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I Demand Immediate Deletion of the Following Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Fraudulent and inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulent and inaccurate. 

Your Continued Negligence in Handling Identity Theft Reports Violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data.

15 U.S.C. 1681n Willful non-compliance with the FCRA.

15 U.S.C. 1681o Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 Failure of furnishers to report accurate data.

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 2025-10-02 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-02 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: FL

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-02 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: GA

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Date : XX/XX/year> Complaint Against : XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX # XXXX Issue : Failure to validate debt, duplicate reporting, continued inaccurate reporting Details : On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed certified dispute letters directly to XXXX and XXXX XXXX demanding validation of multiple accounts they are reporting on my credit reports. Despite receipt of these letters, neither company has mailed me proper validation as required by the FDCPA ( 15 U.S.C. 1692g ). 



Instead : Both XXXX and XXXX XXXX are reporting the same debt simultaneously ( duplicate reporting ). 

The accounts have been re-aged and updated as active, despite being closed years ago. 

Negative reporting continues to appear on Equifax ( 5 separate accounts ) and previously appeared on Experian/TransUnion.

This is a violation of both the FDCPA ( failure to validate ) and the FCRA ( continued inaccurate furnishing and updating during dispute ). 



Requested Resolution : Immediate deletion of all XXXX XXXX XXXX XXXX accounts from Equifax, Experian, and TransUnion. 

Written confirmation mailed to me of the deletions. 

Cease further collection or reporting activity. 



Evidence Provided : Certified mail receipts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

Copies of my dispute/validation demand letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Date : XX/XX/year> Complaint Against : XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX # XXXX Issue : Failure to validate debt, duplicate reporting, continued inaccurate reporting Details : On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I mailed certified dispute letters directly to XXXX and XXXX XXXX demanding validation of multiple accounts they are reporting on my credit reports. Despite receipt of these letters, neither company has mailed me proper validation as required by the FDCPA ( 15 U.S.C. 1692g ). 



Instead : Both XXXX and XXXX XXXX are reporting the same debt simultaneously ( duplicate reporting ). 

The accounts have been re-aged and updated as active, despite being closed years ago. 

Negative reporting continues to appear on Equifax ( 5 separate accounts ) and previously appeared on Experian/TransUnion.

This is a violation of both the FDCPA ( failure to validate ) and the FCRA ( continued inaccurate furnishing and updating during dispute ). 



Requested Resolution : Immediate deletion of all XXXX XXXX XXXX XXXX accounts from Equifax, Experian, and TransUnion. 

Written confirmation mailed to me of the deletions. 

Cease further collection or reporting activity. 



Evidence Provided : Certified mail receipts ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

Copies of my dispute/validation demand letters.

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 2025-10-02 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: GA

Complaint narrative:
I am writing to formally follow up on my previous dispute filed regarding several inaccurate, outdated, and unverified accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of the information you report. 
Despite my initial request, the following accounts remain on my file without full verification or have continued to report inconsistently or erroneously, which violates my rights as a consumer. I have also attached a copy of my FTC report documenting the concerns related to these accounts. 
XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$0.00} - Late 60 Days ( no late showing in payment history ) XXXX XXXX XXXX {$24000.00} - not reporting in XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX {$230.00} XXXX XXXXXXXX {$510.00} - not reporting on TransUnion and Equifax

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 2025-10-02 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$340.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00}

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 2025-10-02 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: NC

Complaint narrative:
I have previously disputed with EQUIFAX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This will be my final attempt to resolve this debt with XXXX XXXX XXXX. My next course of action will be to file a small claims with XXXX  magistrate court. I've sent certified mail Tracking XXXX XXXXXXXX XX/XX/year> requesting debt validation. I have also sent via certified mail to XXXX XXXX XXXX requesting removal from credit report and updating accounting. The XXXX XXXX XXXX XXXX is reviewing documents as of XXXX according to email communication. I feel confident that this account is reporting inaccurate information and will take this matter before a judge. XXXX XXXX has failed to properly verify the debt and respond to debt validation request that was sent certified mail. I have records from previous disputes and settling of account which has been unsuccessful. I've made a complaint to XXXX  Attorney General XXXX and XXXX. XXXX  has acknowledged the account and asked that I send documents that was uploaded to XXXX XXXX XXXX XXXX. I would not continue to allow time to pass by as there needs to be a sense of urgency. This inaccuracy has been damaging to my credit report, and I will request punitive damages and other fees. This company has exactly XXXX  days to respond including business days. I would like to reiterate my next step will be to file in XXXX  magistrate court.

Company response to consumer: Closed with explanation