vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the errors I have found in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Dear Jefferson Capital LLC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally demand the immediate removal of an invalid collection account from my credit file. This account does not belong to me, and I have no knowledge of or responsibility for the alleged debt. The continued reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I booked a multi-night stay through XXXX XXXX for a total of {$6400.00}. 
I disputed only one nights charge of {$1000.00} because the room and services for that night were not as described and did not match the booking details.

I opened a dispute with Bank of America on XX/XX/year> and provided supporting information.

Bank of America denied the claim, stating that they required a cancellation document even though this was not a cancellation requestit was a services not as described dispute.

I contacted Bank of America by phone on [ date you called ] to request reconsideration, but they maintained the denial.

I appealed and explained again that there was no cancellation ; the issue was service quality. 
On XX/XX/year>, Bank of America again denied the claim ( see attached letter ), repeating the same reason and refusing to address the services not as described basis of the dispute.

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 2025-09-24 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express offers discounted annual fees for corporate members, I have had a corporate card since 2018. I applied and called immediately about receiving the {$100.00} rebate and was told to call back when I had the card. Now that I have the card, they said it hey stopped applying the discount last month and that I could downgrade the card but even the downgrade card has a fee that should be discounted with corporate card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-24 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: CA

Complaint narrative:
See the attached documents.

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain information on my credit file that is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block and remove information that a consumer identifies as resulting from an alleged identity theft once you receive the proper documentation.

Specifically, the following accounts are inaccurate and were opened or reported without my authorization : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account {$1800.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$1800.00} ( as of XX/XX/XXXX ) Monthly Payment : Terms : 1 Month On Record Until : XX/XX/XXXX Account Name : CAPIO PARTNERS Account Number : XXXX Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Balance : {$610.00} ( as of XX/XX/XXXX ) Monthly Payment : {$28.00} Credit Limit : {$1200.00} Highest Balance : {$1100.00} I have attached the following documentation as required under 1681c-2 ( a ) : A copy of my Identity Theft Report filed with the FTC ( or a police report ).

Proof of my identity ( drivers license or other government-issued ID ).

Proof of my current address.

Because these accounts are fraudulent and were opened or reported without my knowledge or consent, they must be blocked from my credit report and all further reporting must cease in accordance with 15 U.S.C. 1681c-2 ( b ).

Please send me written confirmation once the accounts have been blocked and removed from my file. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute certain information on my credit file that is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block and remove information that a consumer identifies as resulting from an alleged identity theft once you receive the proper documentation.

Specifically, the following accounts are inaccurate and were opened or reported without my authorization : Account Name : RESURGENT / LVNV FUNDING Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account {$1800.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$1800.00} ( as of XX/XX/XXXX ) Monthly Payment : Terms : 1 Month On Record Until : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Type : Collection Account Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open Status Updated : XX/XX/XXXX Balance : {$610.00} ( as of XX/XX/XXXX ) Monthly Payment : {$28.00} Credit Limit : {$1200.00} Highest Balance : {$1100.00} I have attached the following documentation as required under 1681c-2 ( a ) : A copy of my Identity Theft Report filed with the FTC ( or a police report ).

Proof of my identity ( drivers license or other government-issued ID ).

Proof of my current address.

Because these accounts are fraudulent and were opened or reported without my knowledge or consent, they must be blocked from my credit report and all further reporting must cease in accordance with 15 U.S.C. 1681c-2 ( b ).

Please send me written confirmation once the accounts have been blocked and removed from my file. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of the collection account ( s ) currently reported on my credit file. I believe these accounts to be erroneous, unverifiable, or misleading and request an immediate investigation into this matter.

I have reviewed my credit report thoroughly and have found that the collection account ( s ) in question do not reflect accurate information as required by law. Under FCRA Section 611, credit reporting agencies and furnishers of information are required to investigate disputes and correct or delete any information that can not be verified within 30 days.

I demand that you conduct a full and thorough investigation into these disputed accounts and take the necessary action to correct or remove them from my credit report if they can not be verified as valid, accurate, or authorized.

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 2025-09-25 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I purchased a used XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. The dealer misrepresented warranty coverage ( told me 3 months, gave me 2 months in writing ) and verbally promised a refund option if an inspection revealed problems ( I have video proof ). The car broke down twice within the first 30 days, leaving me stranded. I am disputing the loan due to misrepresentation and defects, but my lender refuses to help. I am requesting CFPB to review this as a case of misrepresentation in auto financing and unfair treatment by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, In XX/XX/XXXX, I transferred my money from an external bank to my checking acct at XXXX to pay for my mortgage. It was due on the XXXX of the month. I had to transfer as this checking acct offered very low interest rate. This has been the practice since I purchased the property in XXXX. 

Since there was a holiday, the money was late. It did not get to my chase acct until the XXXX. However, XXXX sent me an auto response on the XXXX which indicated they got the payment. I knew this was not a fact. I did not have a problem with the notice. 

I was sure on the XXXX, it would withdraw the money from my checking acct to pay my mortgage. 


XXXX I learned it did not withdraw I was not able to reach anyone at the branch on XXXX nor make appt, so I walked in the next day XX/XX/XXXX I was at the branch. I met bank teller manager. They connected me to someone from home loan via phone. 

The women informed me my acct was " in good standing '' I had until the XXXX th She assured me the system would " withdraw a payment in the next coupe days. '' If we were to make the payment manually today, it would be " double payment '' and that the system would return the additional one. 

so I left believing what I was told. 

I subsequently learned it did not withdraw the money on the XXXX, either, so I made the payment manually. 
A few days later the payment returned to acct! 


I am sorry I was 2 days late on the payment. It was not intentional ( I have since changed my due date to the XXXX as XXXX XXXX was coming up. ) I did not deserve this in anyway. My score has been in the XXXX 's even 20 years ago. 


All the people I interfaced with did not regard, take into consideration : XXXX ) My persistent attempts and commitment to correct this and pay my mortgage. 
I contacted many agents from different departments and various levels from XXXX XXXX to XXXX XXXX, over the phone, email, at the branch and constantly checking my accounts, etc. 


XXXX ) XXXX 's internal systemic system error ( a ) It did not withdraw payment when my money became available ( b ) It returned my payment after I initiated the it manually and it did so without my knowledge or consent. 


3 ) Review my activities : I had the money as shown by my account.

4 ) The distress it caused me.

My ongoing attempts, ceaseless efforts to resolve this using up a lot of my times. i.e, to call, wait in line, wait on the phone, email, etc However, it was proven futile they went ahead and reported me to the credit Bureau, causing my score to drop XXXX points! 

This is outrageously unacceptable.

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint against Affirm Inc. for violations of the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), and Regulation Z ( 12 C.F.R. 1026.13 ). 

On XX/XX/year>, I filed a dispute with Affirm regarding a {$2000.00} cancellation/refund that was never credited back. Affirm accepted the dispute but then wrongfully denied it, claiming there was insufficient evidence from customer and/or merchant. Affirm never provided any merchant documentation, nor did they show proof that an actual investigation was conducted. After denying the claim, Affirm then retroactively attempted to close the matter by saying the purchase was too old to dispute, despite already opening and processing the case. 

This conduct is a bad faith violation of FCBA/TILA, failure to conduct a good faith investigation, failure to provide documentation, and deceptive misrepresentation in applying a 60-day bar after the fact. I request the CFPB to reopen my case, compel Affirm to provide merchant evidence, and take enforcement action to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXXXXXX XXXX XXXX. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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