vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
loan never closed despite merchant refunded the money & the company has acknowledged the merchant has refunded. 
I have submitted so many proofs & yet they have reported to my credit as late payment which is absolutely nonsense. 
They are trying to scam me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I am disputing the reporting of a XXXX  on my credit file. I contacted the XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX ) and received a written statement confirming that they did not furnish or verify this public record to any of the credit bureaus ( XXXX XXXX XXXX XXXX  ) or third-party vendors. Despite this, some credit bureaus continue to report the bankruptcy as verified. This is a violation of the Fair Credit Reporting Act ( FCRA ), as the information can not be substantiated by the alleged source. I requested verification directly from the credit bureaus, and they failed to provide proper documentation showing the source of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IN

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

Company 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am filing a complaint against Wells Fargo Auto for negligent account servicing and mishandling of an approved deferment. I was current on my auto loan and had been granted a deferment due to the unlawful towing of my vehicle by the XXXX XXXX Police Department, which I communicated to Wells Fargo. Despite being in good standing and having an approved deferment, my account was improperly flagged as being in repossession status. I discovered this only when I attempted to make an early payment via the Wells Fargo app on XX/XX/year>, and noticed that my auto loan had disappeared. I called Wells Fargo at approximately XXXXXXXX XXXX  and was informed for the first time that my account was in repossession status. This caused significant distress and confusion. I was also advised to contact the towing company for documents, which has resulted in further delays and stress. The auction notice I eventually received was sent to an outdated address, despite my updated information being on file. I believe Wells Fargo failed to act in good faith, especially after being informed of the illegal nature of the towing and my constitutional rights being violated. I am seeking accountability, correction of internal records, and compensation for the emotional harm and disruption caused.

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 2025-06-10 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Kubota North America Corporation
State: PA

Complaint narrative:
I am filing this complaint in regard to my account # XXXX. On XX/XX/year> Kubota cashed a check I sent for two payment ( XXXX and XX/XX/year> ). Check number XXXX. The check was in the amount of {$3300.00}. They deposited it and entered as {$33.00} that cleared my bank account on XX/XX/year>. As soon as this was brought to my attention I contacted my bank and Kabota. The check was resubmitted as the correct amount of {$3300.00} and cleared my account that same day, XX/XX/year>. However, my account still reflects the only payment credited of {$33.00}. Both amounts have been deducted from my account with no adjustments made. 
I continued to see that the {$3300.00} submission was not credited to my account, only the {$33.00}. I continued to get collection calls and have been on the phone a total of 5 times, each time forwarding me to a supervisor who informs me this is being corrected and I would see this adjustment update on my account. On XX/XX/year> I was transferred to a supervisor named XXXX who indicated it would be resolved within a few hours and update the next day. On XX/XX/year> it was not updated, I called again and spoke to another supervisor XXXX, who said allow 48 hours. He actually went a step further and retrieved the check and verified the amount was in fact {$3300.00} and in addition said he would waive the late fee of {$77.00}. To this date nothing has been corrected. I again contacted Kabota Credit and spoke to another supervisor named XXXX on XX/XX/year>, she informed me that this would be corrected immediately and reflect an update by XX/XX/year>. As of today the account is still being reported as past due, the account has not been updated to reflect the correct amount of {$3300.00}, and both the {$33.00} and the {$3300.00} have been deducted from my checking account with no corrections or credits to my Kabota Account. In addition I continue to get collection calls every day. Lastly, they have reported to the credit bureaus that I am over 30 days late, when in fact this payment would not have my next due date until XX/XX/year>

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing multiple unauthorized accounts that have appeared on my credit file. I did not initiate these accounts and consider them to be fraudulent. As required by 15 U.S.C. 1681g, please remove these entries within 15 days. Attached are documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
I put a fraud alert with equifax,, trans union, and experian as when i pulled my credit report and woke up I had numerouds inquiries of credit applications on my report and emails of credit applications i did not due, i tried numerous times to dispute these with equifax however they continue to deny to remove them. Transunion and Experian forced me to call several times to dispute as equifax allowed me to dispute online however they all deny to remove the inquiries. Experian removed most but 2 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have reached out to XXXX on multiple occasions about a debit they claimed I owed. I submitted to the internal team a copy of my police report number.. i was a victim of identity theft. I didnt find out until XXXX when things from previous years started reporting to my credit.. I have fought very hard to get my identity back I dont believe this matter was taken seriously by XXXX .Today I get an alert on my XXXX report from Jefferson capitol who In which has never attempted to contact me prior to putting false information on my credit report. I want this collection removed from my credit report immediately as it is not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive had my business account with Truist for sometime with no issues. I recently invested in property where Im sending wires and recording wires to close on property. Truist just froze my account with all my funds and they are telling me they have no notes on to why they are doing that. Ive been contacting them daily and getting no answers. All my money is frozen and Im on the verge of losing my home, my wife and my children and businesses because XXXX wont release my money!!

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 2025-06-10 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: DE

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

1681c-2 ) that you, the Experian credit reporting agency, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00}

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
This is regarding the Citi XXXX XXXX cards. I had previously had Citi AAvantage XXXX World Elite Mastercard, when I first signed up the annual fee was {$490.00}, within months of me opening it the fee increased to {$590.00}. After having the card for 2 years, I decided the fee was not worth the perks. Instead of closing the card, to avoid lowering my credit, I decided to downgrade the card to their free version. The downgrade to their XXXX XXXX AAdvantage XXXX  Card officially went through on XX/XX/XXXX, where i could no longer use my XXXX card. On XX/XX/XXXX I was charged the {$590.00} annual fee despite no longer having/having access to that card. It took 51 days and multiple phone calls to get that refunded and even then I was not refunded in full, I received {$540.00} of the {$590.00} fee. In an attempt to receive the {$50.00} refund I have called the company SIX times. Every time they assure me that I will receive my remaining refund in 2-3 business days. This has been going on for over a month, I have yet to receive that refund. I am furious and exhausted from having the same conversation over and over again while getting the same disappointing results. I have never worked this hard or spent this much time to get {$50.00}. I am beyond upset with this company and sick of hearing they will resolve their mistake and not following through.

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 monetary relief
Consumer complaint received 2025-06-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
I have been a having issues with cash app about selling my bitcoin. I could not sell now I cant withdraw to another wallet but they keep saying its for my protection. And I am so confused bc this transaction is run by me. I have contacted them to verify that its actually me and they say they cant help me with that and I am in desperate need for the funds. I cant verify its actually me doing the transaction neither can I have access to my money for what do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I reviewed my TransUnion credit report and discovered a fraudulent account listed under " XXXX XXXX XXXX '' with an original balance of {$230.00}, reported as a paid collection. I did not open this account, authorize this debt, or have any dealings with this company. The account shows an open date of XX/XX/XXXX and was reported on XX/XX/XXXX. This is a clear case of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : Section 605B ( 15 U.S.C. 1681c2 ) which requires credit bureaus to block fraudulent information from appearing in my credit file within XXXX business days of receiving proof of identity theft. 
Section 611 ( 15 U.S.C. 1681i ) my right to dispute inaccurate or incomplete information.

I am requesting that this account be permanently removed from all of my credit reports and that a fraud block be applied immediately. I have already submitted an FTC Identity Theft Report and am in the process of filing a police report to support my claim. 

I request a full investigation and demand the permanent deletion of this account from my credit file under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has told me they want to close my account, i don't have a problem with that but i still haven't received my money 5 month later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation