vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
" According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.

Please remove this negative Items. " According to Law 15 USC 1681 you're obligated to investigate the inaccuracy of these accounts. Please remove these inaccurate accounts. Also on my rental history please remove all collections 15 U.S. Code 1692c and code 15 U.S Code 1692g. On my rental history I ask please that all evictions be removed under codes 15 U.S. Code 1637 ( 2 ) 9a, 15 U.S. Code 1681 please. All charge off code 15 U.S. Code 1635 & 15 U.S. Code 1692a the all hard inquiries on all 3 credit reports was not inquired by me and ask that they be removed under Code 15 USC 1681N only hard inquires I have authorized is XXXX XXXX XXXX  and XXXX XXXX XXXX Under Code 15 USC 1681b ( a ) 2 & 15 USC code 1671 E ( b ) Can I please have this inaccurate reporting removed. Asking all addresses be removed I have only should be showing address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, all other addresses asking for to be removed. Asking for consumer portfolios to be removed they have not sent me a purchase agreement or anything else to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/25 I explained that the charge on the card was due to a scam with someone from XXXX telling me that my IP address had been compromised by other countries. I was told the only way to fix the problem was to purchase gift cards and they then could block the countries and then refund my credit card account. This was a very common scam I was told after the fact and Wells Fargo refused to support me. They closed my checking account without any notice and told me I had to come in and pay cash for the checks that I wrote or they would turn me into collection. I considered this elder abuse as I presently have only social security and luckily I had enough cash between my husband and a neighbor to avoid collection. The money that they refused to support me on was almost {$5000.00} and that is a healthy amount of money to take from a XXXX XXXX

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm , Inc. is inaccurately reporting multiple accounts ( ending in XXXX, XXXX, and XXXX ) as late on my credit report. These accounts were under automatic payment, and at no point did Affirm notify me that a payment was missed or that they were reporting me to the credit bureaus. 
On XX/XX/year>, I spoke to a representative who confirmed all payments were on time. The next day, another representative claimed they received a payment late in XX/XX/year>. No notice or billing issue was communicated, which denied me any opportunity to fix the situation. 
These late marks are now damaging my credit profile as Im in the process of purchasing a home. Ive contacted Affirm directly and requested an investigation, but they have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXXXXXX XXXX XXXXR - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect PersonaXXXX XXXX  XXXX, -J - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I submitted a written dispute to [ Credit Bureau or Furnisher ] regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information. 
Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. 
I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: FL

Complaint narrative:
I am filing this complaint against Lainer Collection Agency & Services regarding a medical debt that was reported on my credit report without proper notice, validation, or legal compliance.

I discovered this alleged debt only recently while reviewing my credit file. I had never received any form of notice from Lainer Collection Agency & Servicesno phone calls, emails, or mailed letters. They clearly had incorrect contact information and made no meaningful attempt to reach me. As a result, I was never given the legally required opportunity to dispute or verify the debt before it was reported to credit bureaus.

Furthermore, the information they provided is incomplete : The notice lacks the name of the original creditor ( which would have been a hospital in XXXX XXXX, FL, but no confirmation was provided ). 

The communication did not include any portion of my Social Security number or other identifying details that would allow me to confirm the debt belonged to me. 

This failure to properly identify, verify, and notify violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


In addition, I believe this may be a violation of the No Surprises Act, which prohibits certain types of unexpected medical bills, particularly in situations involving out-of-network providers at in-network facilities. This debt may have originated under those circumstances, and I was never given an itemized statement or advance notice of any such charges.

I am requesting the following relief : 1. A full investigation into Lainer Collection Agency & Services conduct and compliance with the FDCPA, FCRA, and No Surprises Act. 


2. Full validation of the debt, including : Name and address of the original creditor Itemized charges and dates of service Proof of how the amount was calculated and that I am legally responsible for it 3. Immediate removal of the debt from my credit report if it can not be verified or is found to be unlawful.

4. Enforcement action against Lainer Collection Agency & Services if violations are confirmed.

This issue is significantly affecting my credit and financial health, and I respectfully request the CFPBs assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year> I filed a complaint against Citibank Visa and they responded on XXXX XXXX stating that they had issued a credit to my account however the account that they issued the credit to is also closed resulting in XXXX being unable to process a refund they have deliberately done this knowing that that account has been closed claiming that there is a balanced due on this there is a bankruptcy discharge on this account so there should be a XXXX balance. 
See file number XXXX

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OK

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : 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 OH XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : 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 OH XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-02 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We financed an XXXX XXXX  through a promotional " 0 % interest for 24 months '' offer provided by our contractor and backed by Synchrony Bank. As part of the setup, the contractor and Synchrony Bank assisted in processing the application and explicitly helped configure auto-payments designed to pay off the balance within the promotional window thereby avoiding any interest charges. 

We followed this payment plan precisely and every monthly payment was made on time. Despite our diligence, we were shocked to discover that a trivial remaining balance of {$87.00} out of an original {$6000.00} triggered an outrageous deferred interest charge of {$2800.00}. This amounts to nearly 46 % of the original loan, all levied after XXXX years of perfect payment compliance. 

Our claim citing deceptive marketing and payment structuring was summarily denied, with the only justification being that the " promo can not be changed '' and that the transaction was " beyond XXXX months old. '' This response blatantly ignores the central issue : the loan and payment plan were structured and approved in a way that guaranteed a balance would remain even after full, timely payments simply to justify retroactive interest charges. 

This is not merely a customer service issue ; it reflects deliberate misrepresentation and financial entrapment. There was no notice, warning, or outreach at any point prior to the expiration of the promotion. No courtesy email, no heads-up, no attempt to reconcile a negligible shortfall before imposing XXXX  of dollars in interest. 

This scheme appears to be intentionally designed to mislead customers into believing they are paying off their balance, only to penalize them at the last moment. It is deceptive, unethical, and borders on predatory lending.

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally report the unauthorized access, use, and potential disclosure of my private educational records, FAFSA data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). These actions constitute multiple violations of federal law, including : - The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) - Title IV of the Higher Education Act of 1965 - Applicable IRS data protection standards I recently discovered that my confidential informationincluding, but not limited to : - My academic records and personally identifiable information ( PII ) - My FAFSA records, including full financial aid history and loan data- My IRS tax transcripts, which were accessed and used without my permission was accessed or processed without my consent and outside of any lawful scope of disclosure. I was not informed, did not authorize such access, and have not been provided with any notice, justification, or data breach disclosure from either agency. 

These unauthorized actions represent a grave violation of federal privacy protections and have directly endangered my financial and personal security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation