vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was approved for a loan through Affirm for a XXXX XXXX XXXX  by Affirm XX/XX/year>. I paid off the bag in full XX/XX/year> {$46.00}. The following date XX/XX/year> I spoke to an Affirm representative about not receiving the product, confirmation, email or delivery updates. A dispute was put in. I was told I was liable for payments because the bag was " delivered. '' I receive a text message saying I owe money on the bag for the dates of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I contacted Affirm stating the loan was paid off in full and it was confirmed by the previous Representative. They are trying to get monies I already paid out. I have bank statements and screen shots of the payments. I still have not received the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-14 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:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am still working with Barclay 's GM Rewards Credit Card, but they never seem to straighten out the issue. 
- The card was owned by XXXX, transferred to Barclay and activated XX/XX/year>. 
- XXXX used new card XX/XX/year>. 
- XXXX ( do not have the date ) received notification that I was enrolled in " paperless statements '' that I did not enroll in. 
- XX/XX/year> I called Barclay about the enrollment. I was told that I am actually NOT enrolled in the paperless statements, - XX/XX/year> I received a XXXX notification that I was enrolled in " paperless statements ''. 
- XX/XX/year> I called Barclay again. I was told that the reason that I did not receive paper statements and that I was enrolled in paper statements is because they do not have an email on file for me. ( Funny because my husband is receiving his statements in the mail. ) I asked for the statement to be mailed to me. 
- XX/XX/XXXX - email from Barclay for non-payment. ( The email said that I missed my payment for XX/XX/year> ) Again it was sent on XXXX. 
- XX/XX/XXXX- I should have received paper statement in the mail but did not. 
- XX/XX/XXXX XXXX called Barclay and explained again the issue. I asked again for the mailed copy of my statement. 
- XX/XX/XXXX - Email from Barclay of non-payment. 
- XX/XX/XXXX - XXXX received XXXX copies of my paper statement. XXXX copies. 
- XX/XX/XXXX- I called Barclay and opened a complaint ( case # XXXX ). 
I also mailed my payment of {$470.00}. I did not submit the {$30.00} late fee and I did not submit the {$5.00} interest payment. I sent a note with the reason why I did not pay for those XXXX charges. BARCLAY 's fault not mine. 
- XX/XX/XXXX- I mailed a complaint to Barclay at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX, DE XXXX. 
- XX/XX/XXXX- I received a notification in the mail from Barclay that I am enrolled in the " PAPERLESS STATEMENTS ''. 
- XX/XX/XXXX - called Barclay for the same response. They said that I am not enrolled in the paperless statement. I was told that I still owe {$100.00}. Also, the fees. NO I don't. I am fully paid up to date despite Barclay 's incompetence. I asked for my paper statement again. 
- XX/XX/XXXX- I received XXXX notices in the mail from Barclay. XXXX said I owe {$100.00} and the other said I owe {$35.00} ( which is the late fee and the interest ). 
- I had already told Barclay customer service I am not paying for Barclay 's mistake. I don't know what the heck is going on at Barclay. They don't seem to have any correct facts. XXXX time when I called they could not even find my account. I have had this account for over 20 years and the only bank to XXXX it up is Barclay 's. 
- I do not know how to get this resolved. Please help! 
_ I am currently NOT using this card until it is corrected.

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 2025-11-14 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I filed a fraud claim on my account. This claim was for {$13000.00} worth of fraud that I had on my Truist checking account. By the date XX/XX/year> the claim was denied by the bank for the reason that my device was in the same area as my card. At that time I received an email from the supposed company that told me that they fully scammed me and will not be able to refund the amount charged. So I sent this to Truist and they told me they will potentially give a second look at the money that was stolen from me. One week goes by then two, no update. I call them up and they tell me a new excuse. Now they tell me we cant credit you because the token on the transactions link up to me. Meanwhile the email that I received from this company said that the transactions were approved by someone on behalf of me with a different name. After all of this I went to a nearby branch to figure this out. When I went the banker told me that its not the banks responsibility to take care of this issue anymore and if you want your money back I would have to deal with the scam company myself, which is preposterous. This is my bank and its their responsibility to fix this.

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 2025-11-14 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/year> Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed.

2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law 3. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts.

Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

My Demands 1. Immediate Deletion of Fraudulent Items : I demand that the disputed accounts be permanently deleted from my credit profile without delay.

2. Verification of Remaining Accounts : Provide written proof that all remaining accounts have been verified as legitimate under FCRA guidelines.

3. Confirmation of Deletion : Provide a formal letter within 30 days confirming the deletion of the fraudulent accounts and any related inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 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: AZ

Complaint narrative:
Require that all contested accounts be deleted within lawful time constraints.

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 2025-11-14 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/2025, Discover Bank reported inaccurate information regarding my credit card account that was opened on XX/XX/2025. On or around XX/XX/2025, the account was reported with a {$2300.00} balance and listed as 119 % utilization above the {$2000.00} credit limit, despite the fact that the balance should not have been reported that way at the time of the update. I made my most recent payment on XX/XX/2025, and the account status is current with a 100 % on-time payment history. 

The information Discover Bank furnished does not meet the accuracy requirement under FCRA 623 ( a ) ( 1 ), which mandates that a data furnisher must not provide information that it knows or should reasonably know is inaccurate. It also violates the duty to correct and update incomplete or inaccurate information under FCRA 623 ( a ) ( 2 ) and Regulation V ( 12 CFR 1022 ), which requires furnishers to ensure the completeness and integrity of the information reported to consumer reporting agencies.

Because the account was only two months old at the time of reporting and was current with no past-due amount, Discover Banks reporting of an inflated utilization amount is materially misleading and is causing actual credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
This company has reported my payment 30 days past due. While I have been late, Ive never been 30 days past due. I have been working so hard on my credit. This is the second time they have done this. I will attach my payment history. There have been times that I make a payment on the due date but after 5 and they also count that late. I also have records of this company texting my work phone after I requested them to not contact me on that line. I had to turn off all notifications due to this. They were reminders that payments were coming due. Not even past due :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 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:
Upon reviewing my report, I noticed a balance is incorrect and reporting different on all XXXX  credit bureau XXXXXXXX XXXX XXXX XXXX, that i believe is inaccurate. I am requesting a full investigation and verification of the balance. If the creditor is unable to provide sufficient evidence, i am asking that the record be updated to reflect accurate reporting.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I tried to open a XXXX  account but it was immediately suspended and I was requested to email a copy of an ID. I emailed a copy of my driver 's license. Today I decided I no longer wanted a XXXX  account ( no accounts were linked to it or transactions were done since it was a suspended account ). I tried to close the account online but was told to call the XXXX XXXX. I called the XXXX XXXX and they refused to close my empty account unless I re-emailed a copy of my driver 's license. I should have a right to close an empty account without risking my personal information again. Again - there was zero activity associated with my account and no reason not to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : DEPTED/XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} DEPTED/XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3800.00} DEPTED/XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} DEPTED/XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} DEPTEDXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2900.00} DEPTEDXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2300.00} DEPTEDXXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5800.00} DEPTED/XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2100.00}

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief