vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: MD

Complaint narrative:
am submitting a complaint regarding Affirms handling of a dispute for a financed digital services purchase and the lack of clear, meaningful dispute rights provided to consumers using installment loans. 

I used Affirm to finance the purchase of an online course from XXXX XXXX XXXX. After determining that the service did not meet its advertised scope and was not suitable for its represented purpose, I contacted the merchant directly to request a refund. My refund request was denied based on the merchants policy. 

The course was presented as a comprehensive blogging solution, but core technical components such as website setup, modern XXXX tools, email marketing fundamentals, and monetization requirements were either excluded, outdated, or deferred to separate products or external paid tools. These limitations were not clearly disclosed at the point of purchase and materially affected the usefulness of the financed service. 

When I contacted Affirm to dispute the transaction, I was informed that Affirm would not review or assist with the dispute because more than 120 days had passed since the purchase. I was not previously made aware that Affirms dispute rights for financed digital services are limited to a strict 120 day window, nor was I provided with any option for discretionary or escalated review. 

As a result, I was required to continue making installment payments for a service that did not conform to its marketed scope, with no viable dispute path through the lender. I am concerned that Affirms policies do not adequately disclose or protect consumers dispute rights for financed digital purchases and effectively shift all risk to the consumer regardless of material limitations in the service provided. 

I am requesting that Affirm review its handling of this dispute, clearly explain its dispute rights and limitations, and consider appropriate relief or account adjustment based on a fair review of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Today, I discovered that XXXX XXXX XXXX XXXX is reported multiple times on my XXXX report using my personal information without my authorization. The original reporting date listed is XX/XX/year>. I did not apply for a loan, did not contact this company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The reporting companys contact information : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX These duplicate and fraudulent entries are inaccurate and are negatively affecting my credit profile.

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 2025-12-23 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Subject : Formal Complaint Against Wells Fargo Bank , N.A . Regarding Financing of XXXX XXXX XXXX Purchase Complainant Information : XXXX XXXX XXXX XXXX XXXX. XXXX, IN XXXX Account Information : Lender : Wells Fargo Bank ( XXXX XXXX XXXX, XXXX, MN XXXX ) Retailer : XXXX XXXX XXXX ( XXXX XXXX XXXX, IN ) Account Number : XXXX Transaction Date : XX/XX/XXXX Original Amount : {$9400.00} Detailed Description of Dispute : I am filing this formal complaint due to what I believe are predatory billing practices and inconsistent interest calculations regarding a " 12-month interest-free '' financing agreement. When I called to the address the discrepancy I was told about their deliberately shady wording such as deferred interest, which I understood to mean that whatever balance after 12 months would be subject to their exorbitant 28 % interest. 
It is clear that if one was to pay it off within their understanding of the interest free period they would already make money sufficient to offer the service. But they somehow feel justified to add on many thousands of dollars more. Had I understood that in anyway whatsoever I would never have entered that agreement! 
I am writing to formally dispute the billing practices and interest charges applied to my account by Wells Fargo regarding a furniture purchase from XXXX XXXX XXXX ( XXXX, IN ) on XX/XX/XXXX. 
1. Deceptive Marketing of " Interest-Free '' Period : I entered into a 12-month promotional agreement. I acted in good faith, paying {$7900.00} toward a {$9400.00} balance. Despite paying off nearly 85 % of the debt, I was assessed a massive interest penalty in XX/XX/XXXX. 
2. Unfair Backdated Interest : It appears Wells Fargo has applied " Deferred Interest '' retroactively to the original purchase date. I calculate this penalty to be approximately $ XXXXeffectively doubling my remaining balance in a single billing cycle. I contend that the disclosure of this " all-or-nothing '' interest trigger was not made clear at the point of sale.

3. Inconsistent Billing Cycles : I have observed that the billing cycles and " end dates '' provided by Wells Fargo do not align with standard calendar months or the 12-month anniversary of the purchase. These shifting dates appear designed to prevent consumers from accurately timing their final payments to avoid the deferred interest trigger. 
4. Failure to Apply Payments Fairly : Despite paying an additional {$980.00} between XXXX and XX/XX/XXXX, my balance remains disproportionately high due to the 28 % APR being applied to the " penalty balance '' rather than the principal.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Contacted 4 different family members regarding alleged debt on XX/XX/19. One call they made XXXX explicit comments to my sibling. Other calls to sister and both parents they indicated i would be arrested falsely to pressure contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding First Progress Card Services improper handling of a fraud dispute on my credit card account and the subsequent assessment of an incorrect late fee based on inaccurate information provided by the issuer. 

I am currently involved in a fraud-related billing dispute on my First Progress credit card account. Initially, First Progress denied my fraud claim solely on the basis that the billing address matched, without adequately considering other fraud indicators. As a result, I was required to open a new investigation regarding the disputed transaction. 

While the dispute was under review, I contacted First Progress to confirm my payment obligations. A representative of the company clearly informed me that my payment was not due until the XXXX of the month due to the ongoing fraud dispute. I relied on this information in good faith. 

Despite this, First Progress subsequently assessed a {$40.00} late fee on my account prior to the stated due date. This fee appears to have been applied automatically and directly contradicts the information provided by the companys representative. 

Taken together, the denial of the initial fraud claim based on insufficient grounds and the assessment of a late fee after providing incorrect billing information reflect improper dispute handling and inaccurate billing during an active investigation. I believe this conduct violates the Fair Credit Billing Act ( FCBA ) and applicable provisions of Regulation Z, which require accurate billing statements and proper handling of disputed charges.

I am requesting the following relief : 1. Immediate reversal of the {$40.00} late fee 2. Reversal of any interest or penalties that resulted from the improper late fee 3. Written confirmation that this issue will not result in any negative credit reporting 4. Assurance that no additional fees or adverse actions will occur while the fraud dispute remains open 5. Confirmation that the fraud dispute is being handled in compliance with federal consumer protection requirements I am submitting this complaint because First Progress has failed to properly manage a fraud dispute and has assessed fees based on inaccurate or inconsistent information provided to me. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX First Progress Card Services Account ending in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I've been having issues accessing my previous cash app account since I became a victim of identity theft XX/XX/year>, on XX/XX/year> I was able to access my old email address associated with my old cash app and after an unsuccessful attempt I called and spoke to a representative who informed me he was unable to transfer the funds from my old cash app to my new, and couldn't provide me with the proper steps needed to do the process myself, I told me I had to call back the next day and the issue will get resolved. As of today XX/XX/year> I spoke to a different representative named ( XXXX  ) who said she also was unable to assist me due to her limited allowed access, and couldn't connect me to a supervisor because there wasn't any available to handle me affairs, I then hung up and called back and she was the same representative, I asked if there was any other person 's available and she told me no, I'm typing to be patient but I feel like I'm not receiving the proper assistance from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Complaint Regarding Inaccurate and Illegal Credit Reporting XXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and unlawful credit reporting by XXXX XXXX XXXX, which Equifax continues to report despite clear violations of the Fair Credit Reporting Act ( FCRA ). 

The account listed as * * XXXX XXXX XXXX * *, account number ending in XXXX XXXX XXXXXXXX XXXX XXXX, is being reported as a collection account with a balance of * * {$1900.00} * *. While the * * Date of First Delinquency is reported as XX/XX/XXXX * *, XXXX lists the * * account opening date as XX/XX/XXXX * * and continues to update the account as recently as * * XX/XX/XXXX * *. This creates the false appearance that the debt is newer than it actually is and constitutes illegal * * re-aging * *. 

Additionally, the account is reported as * * closed * *, yet still reflects a * * past-due balance * *, which is misleading and inaccurate. A closed collection account should not be reported as currently past due. These inconsistencies violate * * FCRA 623 ( a ) ( 1 ) ( A ) * *, which requires accurate reporting, and * * FCRA 623 ( a ) ( 5 ) * *, which prohibits re-aging of delinquent accounts.

This account was previously marked as Consumer Disputes Reinvestigation in Progress. Once the dispute status was removed without correcting the inaccuracies, my Equifax credit score dropped by approximately * * XXXX points * *, causing significant harm. 

Despite prior disputes, neither Equifax nor XXXX has corrected these inaccuracies or provided proper verification of the reporting dates. Continuing to report inconsistent and misleading information is causing ongoing financial harm. 

* * A fair resolution is the immediate deletion of this account from all credit reports, correction of all inaccuracies, and assurance that unverifiable or misclassified information will not be reported in the future. * * I respectfully request that the CFPB investigate this matter and require Equifax and XXXX XXXX XXXX to comply fully with the Fair Credit Reporting Act. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
According to 15 USC 1681 c2 and 1681s-2 you have broken the law by reporting this information on my credit report knowing it's inaccurate. Remove This Fraudulent Information from my report immediately. 

XXXX XXXX XX/XX/XXXX To : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Request to Block and Remove Fraudulent Accounts under 15 U.S.C. 1681c-2 Dear, Experian I am writing to dispute and request the immediate blocking of certain accounts that appear on my credit report, which I believe to be the result of identity theft, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). & Under Section 605b These Accounts Do not belong to me. remove these accounts permanently. 

The following accounts are inaccurate and unauthorized : XXXXXXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. THE XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX Per 15 U.S.C. 1681c-2 ( a ), I request that you block the reporting of these accounts and remove them from my credit file within the required time frame. These accounts were opened without my knowledge or authorization, and their presence on my credit report is causing me harm. 

Enclosed, please find copies of the following documents as required under the FCRA : Proof of my identity ( Government-issued ID, utility bill, etc. ) A copy of my credit report highlighting the fraudulent accounts An Identity Theft Report ( police report or FTC Identity Theft Affidavit ) I expect written confirmation that these accounts have been blocked and removed from my file. Please also send me an updated copy of my credit report reflecting the removal. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
According to 15 USC 1681 c2 and 1681s-2 you have broken the law by reporting this information on my credit report knowing it's inaccurate. Remove This Fraudulent Information from my report immediately. 

XXXX XXXX XX/XX/XXXX To : Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Request to Block and Remove Fraudulent Accounts under 15 U.S.C. 1681c-2 Dear, Experian I am writing to dispute and request the immediate blocking of certain accounts that appear on my credit report, which I believe to be the result of identity theft, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). & Under Section 605b These Accounts Do not belong to me. remove these accounts permanently. 

The following accounts are inaccurate and unauthorized : XXXXXXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX. THE XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX Per 15 U.S.C. 1681c-2 ( a ), I request that you block the reporting of these accounts and remove them from my credit file within the required time frame. These accounts were opened without my knowledge or authorization, and their presence on my credit report is causing me harm. 

Enclosed, please find copies of the following documents as required under the FCRA : Proof of my identity ( Government-issued ID, utility bill, etc. ) A copy of my credit report highlighting the fraudulent accounts An Identity Theft Report ( police report or FTC Identity Theft Affidavit ) I expect written confirmation that these accounts have been blocked and removed from my file. Please also send me an updated copy of my credit report reflecting the removal. 

Thank you for your prompt attention to this matter. 

XXXX 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 non-monetary relief