vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: OH

Complaint narrative:
On XX/XX/year> I placed an online order for 7 items from XXXX XXXX  ( formerly XXXX XXXX  ) using an Affirm Pay in 4 installment loan. The order number was XXXX. The total amount of the loan was {$120.00}. 

On XX/XX/year>XXXX  the merchant shipped the order with 2 items missing. The 2 missing items had pre tax cost of {$33.00} or {$36.00} with tax. I immediately contacted the merchant via email and requested the items be shipped, or that a partial refund be issued. The merchant ignored this and 3 subsequent emails. They also disabled the " live chat '' feature of their website and disconnected their phones. It was thus impossible to connect with them directly to secure a refund. 

For this reason I contacted Affirm to file a dispute for the cost of the items that were not refunded. I ended up filing a total of 3 disputes. Each time I provided clear evidence ( via shop App receipts and shipping notifications ) the merchant failed to ship 2 items. The merchant even went as far as to delete the missing items from the order record on their website ( without giving a refund ) after I filed the first complaint with Affirm. However, they were unable to tamper with the order record on the XXXX XXXX. 

Each time I filed the dispute, Affirm resolved in the merchant 's favor stating a tracking number had been provided. This despite the clear evidence some goods had not been shipped via this tracking number and that no refund had been issued to my card. After the final dispute, I called customer service. I was told they could not do anything, even though they agreed I had paid for goods that I had not received. 

My understanding of consumer protection law is that Under the Fair Credit Billing Act, if you used credit ( including installment financing like Affirm ) to purchase goods that were not delivered as agreed, you have the right to dispute the charge. 
The lender ( Affirm ) can not simply say not our responsibility. 
Theyre required to remove or adjust the charge if the goods were never delivered. Affirms official help pages state that : If you didnt receive your item or received the wrong item, you should first contact the merchant. If youre unable to resolve the issue, contact us. 
Affirm have therefore failed to fulfill their obligations to me under the Fair Credit Billing Act an are also in violation of their own guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I called Synchrony customer service to request paper statements for my new XXXX XXXX XXXX XXXX. The rep told me that I should be using their smart phone app and that I had to call each month to request a paper statement. After 3 months they could switch me to paper stamements. She made it clear there were no exceptions and no way for me to appeal. 

I'm XXXX XXXX XXXX and have trouble using smart phone apps. 
I receive paper statments for all of my other accounts and don't see why Synchrony make my life more difficult.

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 2025-11-01 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because multiple inaccurate and unverifiable items are being reported on my credit reports by various furnishers and the credit reporting agencies. These inaccuracies are negatively affecting my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Below are the specific issues and accounts in question : XXXX XXXX XXXX XXXX, MA XXXX Wrong Address In addition, the following accounts are being reported inaccurately and require prompt correction or removal after verification : XXXXXXXX XXXX XXXXXXXX ( Acct : XXXXXXXX XXXX ) XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2700.00} This account is being reported as a charge-off, which is incorrect. I have no knowledge of this account or any debt related to it. Please provide full validation or remove it entirely if unverifiable. 
XXXX XXXX  ( Acct : XXXX XXXX  ) Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$6800.00} This account is being incorrectly reported with late payments. I have never been late on this account, and the payment history should be corrected to reflect an accurate and positive status. 
XXXX ( Acct : XXXXXXXX XXXX XXXX ) XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} This account also shows inaccurate late payment reporting. Please verify your records and correct the status to reflect on-time payments. 
XXXX ( Acct : XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$850.00} This is listed as a collection account that I do not recognize. I have no knowledge or records supporting this account. Please provide validation, including original creditor information, or remove it from my credit file. 
These errors violate FCRA 602 ( A ), 607 ( B ), and 611, as the credit bureaus and furnishers are required to report accurate information and to verify any data disputed by the consumer. Furthermore, if verification can not be provided, the items must be deleted immediately.

I have already contacted the credit bureaus to dispute these items, but the inaccurate information remains. I am now requesting CFPBs assistance to ensure that these furnishers and credit reporting agencies conduct a full and proper investigation, correct or delete unverifiable information, and confirm compliance with the law. 
Please investigate these reporting violations and hold the involved parties accountable for failing to maintain fair and accurate reporting standards. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
I sent a debt validation request to Medical Commercial Audit I on XX/XX/year> regarding three medical collection accounts ( # XXXX, # XXXX, # XXXX ), each under {$500.00}. The company did not respond, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Despite my attempt to resolve this directly, they continue to report these three accounts to the credit bureaus
( XXXX, XXXX, and XXXX  ) without providing validation. This reporting is inaccurate and violates FDCPA.

I have attached the following supporting documents : Copy of the debt validation letter Proof of delivery / certified mail receipt Proof of No Response statement Note : I am only providing information regarding the three disputed accounts. Other information on my credit report is not included.

I request that the CFPB investigate this matter, ensure the collection agency ceases all collection activity until proper validation is provided, and remove these accounts from all credit bureaus if validation can not be provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: MO

Complaint narrative:
My first dispute was mailed on XX/XX/year>, via First-Class Mail. Despite using the correct address listed on LexisNexiss official website, the letter was returned by the XXXX. XXXX XXXX with a yellow sticker reading : Return to Sender Not Deliverable as Addressed Unable to Forward. 

On XX/XX/year>, I mailed my second dispute to LexisNexis via XXXXXXXX XXXX XXXX Certified Mail. I have both the certified receipt and XXXX tracking confirmation showing the dispute was delivered and received by LexisNexis on XX/XX/year>. 

As of today, I have not received any response, validation, or acknowledgment from LexisNexis. Both disputes were mailed to the correct address provided on LexisNexiss official website, which I verified is valid and current through their own published materials and customer support portal : LexisNexis XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am providing the following evidence to support my complaint : Copies of Certified Mail Receipts and XXXX tracking confirming LexisNexis received my second dispute ; Copies of Returned Mail Envelopes marked Undeliverable ; A printed copy of LexisNexiss official mailing address from their website; Copies of the original dispute letters I attempted to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AL

Complaint narrative:
I am submitting this complaint regarding an inaccurate and misleading XXXX XXXX tradeline being reported by Experian and TransUnion. 

The account is marked as both Paid and Collection/Charge-off while showing a {$0.00} balance, which is contradictory and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 623 ( a ) ( 1 ) ( A ) requirements for maximum possible accuracy and truthful furnishing. Additionally, the account continues to display a charge-off status even though it was paid in full, creating a false impression of delinquency. 

The bureaus have also failed to update or correct the information despite the payment being made in XX/XX/XXXX, and their reinvestigations have not resolved the issue. This violates FCRA 611 ( a ) and Regulation V XXXX requiring data integrity and correction of inaccurate or incomplete information. 

I am also aware of the XXXX lawsuit and enforcement actions related to systemic consumer reporting misconduct, which demonstrate a repeated pattern of negligence and harm toward consumers. I believe this issue is part of that ongoing failure to maintain accurate reporting standards. 

I am requesting the XXXX assistance in ensuring this account is corrected or deleted from all credit bureaus, and that XXXX  XXXX, Experian and Transunion comply with their legal duties under FCRA, FDCPA, and XXXX XXXX compliance standards. I feel like I am being taken advantage of and being ignored on my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.

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 2025-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
Account Caine & Weiner XXXXXXXX XXXX XXXXXXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX MAIL with recent displaying my signature. If not, please delete account number XXXX XXXXXXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
P n c has frozen my account because they claimed my wire deposit for my services.Rendered, something was fishy with it.That 's all they would tell me.And it's been froze for 5 months now.They claim they've been making attempts to send the money back to the cendar, but the center has had no requests from pnc. P n c is constantly lied to me about about what's going on with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
I contacted the debt collector multiple times on XX/XX/year> and XX/XX/year>. I was given no response to the certain questions I asked. The information that I have requested has not been provided to me. I asked to have a copy of what is left for me to pay off the debt and also asked to see a list of transactions that have already been made. Under the fair debt collection practices act it is required by law that I am provided with information regarding my payments and outstanding balances. I have requested and I am currently requesting payment history details and current outstanding balance. 
The website is XXXX. I contacted them via the email I was given during court collections. They failed multiple times to answer my request and have not been responding to me since

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CT

Complaint narrative:
I have submitted multiple verified disputes to Equifax, Experian, and TransUnion regarding inaccurate and duplicate accounts and unauthorized hard inquiries appearing on my credit reports. 
Each bureau has repeatedly failed to conduct a lawful reinvestigation as required under 15 U.S.C. 1681i and 1681s-2, instead responding only with redundant identity verification requests despite already receiving complete proof of identity and supporting documentation. 

A final demand was delivered to all three bureaus on XX/XX/year>, identifying the following accounts and case evidence : XXXX XXXX XXXX XXXX {$2100.00} Closed XX/XX/year>XXXX  Inaccurate/ Not Owner XXXXXXXX XXXX {$1700.00} Closed XX/XX/year> Duplicate Entry Inaccurate/ Not Owner ( Case XXXX ) XXXX XXXX XXXX {$5700.00} Removed by Court ( Case XXXX ) I also disputed unauthorized hard inquiries from XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 

Despite repeated certified submissions, the bureaus have continued reporting the same inaccurate information and have failed to provide any verification documentation proving its accuracy. This pattern of delay, obstruction, and duplication demonstrates willful non-compliance with FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 623 ( 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 non-monetary relief
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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 submitting this complaint regarding an inaccurate and misleading XXXX XXXX tradeline being reported by Experian and TransUnion. 

The account is marked as both Paid and Collection/Charge-off while showing a {$0.00} balance, which is contradictory and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 623 ( a ) ( 1 ) ( A ) requirements for maximum possible accuracy and truthful furnishing. Additionally, the account continues to display a charge-off status even though it was paid in full, creating a false impression of delinquency. 

The bureaus have also failed to update or correct the information despite the payment being made in XX/XX/XXXX, and their reinvestigations have not resolved the issue. This violates FCRA 611 ( a ) and Regulation V XXXX requiring data integrity and correction of inaccurate or incomplete information. 

I am also aware of the XXXX lawsuit and enforcement actions related to systemic consumer reporting misconduct, which demonstrate a repeated pattern of negligence and harm toward consumers. I believe this issue is part of that ongoing failure to maintain accurate reporting standards. 

I am requesting the XXXX assistance in ensuring this account is corrected or deleted from all credit bureaus, and that XXXX  XXXX, Experian and Transunion comply with their legal duties under FCRA, FDCPA, and XXXX XXXX compliance standards. I feel like I am being taken advantage of and being ignored on my disputes. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me.

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 2025-11-01 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: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding the account reported by GM FINANCIAL ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/year>XXXX  with a high balance of {$14000.00}, which is being reported with a late payment status. This information is completely inaccurate, as I have never made any late payments on this account. The reporting of late payments is false and misleading, constituting a violation of the Fair Credit Reporting Act ( FCRA ) for failure to ensure maximum possible accuracy of information reported to credit bureaus. 

This error has caused significant harm to my credit reputation and financial standing. GM Financial has not provided any verified evidence or documentation to support the alleged delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card Payment Plan Misapplied/ Incorrect Billing / Threat of Negative Credit Reporting Despite Compliance. 

To the Consumer Financial Protection Bureau : I am filing a complaint regarding Apple Card ( issued by Goldman Sachs Bank ). I enrolled in an official payment plan on XX/XX/year>, with a monthly payment of {$100.00} at 0 % APR for 12 months. Apple Card successfully drafted my payment plan payment on XX/XX/year>, which confirms enrollment ( see attached for both the payment plan agreement and the successful payment of XXXX ) XXXX also notified me in writing the following : My plan payment is {$100.00} per month My interest rate is reduced to 0 % APR If I make the required payments, my account will be reported as current Once XXXX payments are made, the account will be brought fully current and continue reporting as current Despite this, Apple Card has continued to display messages in the XXXX app stating : Your account is past due. 
Pay {$290.00} to get your account back on track. 
Threats of negative credit reporting and account closure These past-due notices are incorrect. 

Timeline of Payments : - XX/XX/year> : Enrolled in payment plan ( $ XXXX ) - XX/XX/year> : XXXX drafted the first plan payment from my bank account - - XX/XX/year> : I paid the remaining past-due amount of {$190.00} - As of XX/XX/year>, Apple Wallet still shows XXXX {$290.00} past-due balance - When I test a payment of {$290.00}, the app temporarily switches to show the correct {$100.00} due - - however when the payment is canceled, it immediately reverts to showing a past due status and threats of credit reporting. 


Apples system is treating my account as delinquent even though : - The payment plan is active- The first plan payment was drafted successfully - The prior past-due balance was paid ( XXXX - see attached ) - Their written agreement states I am in good standing while paying the plan amount XXXX representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX have given conflicting explanations, including : - You will continue to be shown as past due for XXXX months. 
- The system will report you as past due even though you are paying the plan. 
- This is expected and we cant change it. 

To be clear - I have requested that a supervisor review these recorded conversations. 

This directly contradicts the written agreement XXXX sent when I enrolled. 

- The account is being flagged as past due despite compliance - The Wallet app contains threats of negative credit bureau reporting - This is a potential FCRA and Regulation Z issue if inaccurate reporting occurs - Consumers can not be told they are complying while simultaneously being shown past-due warnings meant for delinquent accounts

Company response to consumer: Closed with explanation