vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Request for Deletion Creditor/Furnisher : Jefferson Capital Systems XXXX XXXX XXXX Listed : Jefferson Capital Systems XXXX Account XXXX : Placed for Collection Date Reported Opened : XX/XX/year> Balance Reported : {$3300.00} To Whom It XXXX Concern : I am formally disputing the accuracy and validity of the account reported by Jefferson Capital Systems XXXX XXXX which appears on my credit report with an opened date of XX/XX/year>, a balance of {$3300.00}, and marked as Placed for Collection. 

I am stating clearly that this is not my account, and Jefferson Capital Systems XXXX is reporting false, inaccurate, or unverifiable information. Because this account does not belong to me, it must be investigated and removed under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute an account on my credit report that is associated with XXXX XXXX XXXX XXXX. This account, opened on XX/XX/year>, and currently reported as open with a balance of {$3300.00}, is fraudulent and was not authorized by me. 

In accordance with the Fair Credit Reporting Act, specifically Section 611 ( 15 U.S.C. 1611 ), I request that Equifax immediately investigate this matter and remove the fraudulent account from my credit report. Additionally, under Section 623 ( 15 U.S.C. 1623 ), I also request that XXXX XXXX XXXX XXXX, as the furnisher of this information, promptly correct the inaccurate information. 

I appreciate your prompt attention to this matter and request written confirmation once the account has been investigated and removed. 

Thank you for your cooperation

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Dear CFPB Representative, I am requesting assistance regarding severe reporting inaccuracies by XXXX XXXX. 
Documented Inaccuracies TransUnion shows Closed, while Experian and Equifax show Paid Payment status varies ( Late 120 Days vs Late 180 Days ) Remarks differ drastically between bureaus Date Last Active varies by XXXX years Date of Last Payment differs significantly Payment history coding is incomplete and inconsistent These inconsistencies prove the information is inaccurate and unverifiable. 
FCRA Violations 623 ( a ) ( 1 ) : Furnishing inaccurate information 623 ( a ) ( 2 ) : Failure to update information 607 : Failure of bureaus to maintain accuracy 611 : Improper reinvestigation Requested Action I ask that the CFPB investigate and compel Credit Acceptance to : Correct or delete the account Ensure all data furnished is uniform and accurate

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 2025-12-09 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted ; XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have many complaints. My debit card expired at the end of XXXX. I never received a replacement. I messaged many times and was told the issue would be resolved. It was not. I eventually went to my local branch the middle of XXXX. They gave me a new card. However, they never closed the one they had attempted to send but was returned. Therefore, charges kept accumulating on that card that should have been closed and was not. I let them know this and asked for a credit due to the banks error. I was told I would need tomato every transaction separately and call to do so. I explained that it was every transaction after my debit card had expired that they allowed to be processed. I never received any type of follow-up or help with this and asked twice to file a formal complaint. Please document this as a formal dispute for charges processed on an expired, non-issued card, and escalate it to a supervisor or your losses/fraud department. This is clearly a bank-side policy failure, not consumer misuse. I kept getting switched to different customer reps like every XXXX minutes who would start all over. I did not have the replacement card in my possession, was not alerted that it would remain active and could not have authorized transactions with it. The expired card should not have remained active after the replacement failed to deliver. That's a procedural error on the bank 's side. It is still active even though I have a new card and still never received this one and have asked them to close it. Because of this, my account was overdrawn more than once. Nobody has contacted me either. Now, I have bill pay set up and I get emails saying my check was sent, but payees arent receiving and when I reach out to the bank, they dont know what Im talking about until I flip out. Then they give me some XXXX XXXXXXXX answer and are clueless. I feel like they are playing games so that they dont have to face their errors and can continue to gouge me with fees and whatnot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Summary of Complaint : Affirm is billing me for a {$1400.00} dental procedure from XXXX XXXX XXXX XXXX in XXXX, Texas that I never received. The dental office admitted the charge was incorrect and repeatedly told me they would cancel the transaction with Affirm, but they have not done so. I have been charged {$120.00} per month since XX/XX/year> for services that were never provided. 

Details : XXXX XXXX XXXX XXXX submitted a {$1400.00} Affirm loan for dental work in XX/XX/year>. 
The services were never performed. 
The dental office acknowledged this several times and said they would cancel the charge with Affirm, but they have not taken any action. 
They are no longer returning calls. 
Affirm continues monthly charges despite my dispute.

Resolution Requested : Cancel the Affirm loan Refund all payments made Require XXXX XXXX XXXX  to provide proof of completed services Stop all billing and collection activity Desired Outcome : Full loan cancellation and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
XXXX, a supervisor from the call center who said they don't give out any other identifying details, repeatedly refused to answer my question and repeatedly interrupted me. I asked how a pending transaction that has been duplicated is ever corrected when the bank is saying it can not be corrected until both transactions are completed by the merchant but the merchant says they only made and show XXXX transaction. An order was placed on XX/XX/2025 from XXXX for {$12.00}. An authorization was created. When the order was shipped on XX/XX/2025 instead of releasing the original {$12.00} that was still being held, WesBanco created an additional authorization. Per XXXX XXXX, there was no additional authorization created. WesBanco says XXXX XXXX has to complete both transactions before WesBanco can reverse XXXX of the transactions. XXXX XXXX is saying they only have XXXX transaction so there is no second transaction to complete. XXXX refused to answer how the transaction could or would ever be completed when the merchant doesn't show the transaction or what the next steps would be. XXXX did say the transaction should fall off within XXXX business days. When asked why the transaction from XX/XX/2025 has not fallen off yet then when today is XX/XX/2025, XXXX once again said the merchant would have to complete both transactions first. When I said you're not answering the question of how they can do that when they only have XXXX transaction, XXXX kept interrupting me not letting me finish the question with XXXX just saying " yes, I did answer it ''. I literally do not understand how this can ever be fixed if the merchant has to complete what they don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to request immediate assistance in resolving a serious issue involving the unauthorized and unexplained closure of my XXXX XXXX XXXX XXXX account XXXX 

On Sunday, XX/XX/XXXX, I attempted to use my credit card and discovered it had been declined. When I contacted customer service, I was informed that my account had been closed, but no reason could be provided. I made it clear that I never requested the account be closed at any time during the XXXX years I have held the card. Both the representative and supervisor advised they could not assist further and directed me to email Comenity Bank for clarification. I was told the account was closed on XX/XX/year>. 

After emailing for clarification, the only response I received was that the account was closed per the customers request, which is factually incorrect. For context, the account held a balance of several XXXX dollars in XX/XX/year>, which I paid in full. Additionally, at the end of XX/XX/year>, I paid a {$140.00} annual fee to upgrade to the XXXX card. There is no scenario in which it would make sense for me to pay for a card upgrade only to request account closure days later. 

On XX/XX/XXXX, I again contacted Comenity Bank and spoke with XXXX supervisors. Both confirmed they could not explain why the account was closed. They informed me the account had been closed, subsequently reopened, and then closed again following an internal audit that determined it should not have been reopened. Despite this, no one has been able to explain why the account was ever closed, why it was reopened, or why I was never notified through phone, email, or mail. 

At this point, the lack of explanation, inconsistent information, and the assertion that I requested closurewhich is untrueare unacceptable. 

I am formally requesting the following : 1. A full refund of the {$140.00} annual fee paid for the XXXX card upgrade. 

2. A clear written explanation of why my account was closed, reopened, and closed again.

3. Assistance in resolving this matter, including correction of any inaccurate account records indicating that I requested the closure. 

I am asking for your prompt and thorough attention to this issue. I expect resolution and transparency, given that this situation has caused inconvenience, confusion, and unnecessary time spent attempting to obtain basic information. 

Thank you in advance for your assistance. I look forward to receiving a timely and accurate response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Experian for their ongoing failure to comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically concerning their refusal to properly reinvestigate and remove an inaccurate bankruptcy record from my credit report. 

I previously disputed the bankruptcy entry directly with the credit bureau on XX/XX/year> and a second request on XX/XX/year>. Despite my providing detailed information that the record was not verifiable and that the bankruptcy court does not furnish consumer data, the bureau responded that the information was verified without identifying the furnisher or providing documentation supporting their verification.

This response constitutes a violation of FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to maintain accurate and complete records ). The bureaus lack of transparency and refusal to identify the source of their verification also violate my rights under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
Caine & Weiner ( a debt collector ) sent me a text message on XX/XX/year> at XXXX PM stating I could Reply STOP to opt-out of texts. 

At XXXX PM on the same day, I replied STOP, clearly revoking consent to receive any further text messages. 

Despite this, on XX/XX/year> at XXXX PM, they sent me another automated text message about an alleged debt. This was an unsolicited communication after I revoked consent. 

This appears to be a violation of the Telephone Consumer Protection Act ( TCPA ), the Fair Debt Collection Practices Act ( FDCPA ), and my right to cease communication. 

I am requesting CFPB assistance to ensure : XXXX. All unauthorized communications stop immediately. 
XXXX. This violation is addressed by XXXX XXXX XXXX XXXX department. 

I have screenshots documenting : - The original message offering STOP opt-out - My STOP reply - The unauthorized text sent afterward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. 

Previous CFPB Complaint Number and Date, XX/XX/year> # XXXX

Company response to consumer: Closed with explanation