vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding multiple late payments inaccurately reported on my TransUnion credit report by various creditors. After reviewing my records and communicating with the creditors, it has been confirmed that these late payments were recorded in error. Each creditor has acknowledged their mistake and agreed to remove the late payments from my accounts. 

Despite providing documentation and requesting corrections under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion has not updated my credit report to reflect the accurate information. 

XXXX XXXX XXXX XXXX XXXX...., XXXX 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
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me and is being reported incorrectly on my credit report. I have no knowledge of or responsibility for this account, and the information associated with it is inaccurate.

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: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX man being persecuted by Bank of America for no good reason. They made the decision to close my account even though it is in good standing. They say I was 2 days late on a few payments. I lived in California at the time where everything burned down. I was nearly killed in a car accident and am still pending XXXX XXXX XX/XX/XXXX. I use the account and have always paid. Every hardship endured I persevered and paid my account and for what? They say I use my other credit cards fully. What is credit for in emergencies if not to use. I would say stay away from BofA unless you want to be unappreciated and bullied by the mighty BofA. They do not treat customers well and they are obviously prejudiced against the XXXX community. They have no other good reason for closure than they wanted to.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding an unverified collection account being reported by XXXX XXXX XXXX for XXXX XXXX. The account balance is {$4000.00} under account number XXXX. 
I issued a written validation request under FDCPA 15 U.S.C. 1692g, requiring the collector to provide : Full account statements The original service agreement with my wet signature A complete payment history The chain of title proving legal ownership of the debt Any insurance claim information related to the account The collector failed to provide validation. Yet the account continues to be furnished to credit bureaus. 
This violates : FCRA 15 U.S.C. 1681e ( b ) : Duty to maintain maximum accuracy FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Deletion of unverifiable data FDCPA 15 U.S.C. 1692g : Failure to validate FDCPA 15 U.S.C. 1692cc : Continued reporting without verification This reporting is unfair, inaccurate, and harmful to my creditworthiness. I request that the CFPB investigate Associated Credit Services and compel deletion of this collection account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing a complaint against Affirm regarding Loan ID XXXX. 
Affirm has failed to credit a valid refund that was issued by the merchant, XXXX, and continues to display an incorrect balance owed. They have improperly closed communication and have referenced delinquency reporting despite the debt being invalid. 

On XX/XX/year>, all merchandise associated with this loan was returned to Revolve. XXXX tracking confirms delivery and a signature on that date. 

On XX/XX/year> at XXXXXXXX XXXX, XXXX issued a full refund of {$600.00} back to my original payment method and confirmed that the refund was released to Affirm. Despite receiving this refund information, Affirm has not applied the refund to my account. 

The account continues to show a balance due even though the merchant has already refunded the full amount. Affirm is effectively holding funds that do not belong to them. 

Additionally, Affirm has implied potential delinquency reporting even though the debt is : Not legally owed, Fully refunded, and Formally disputed, which would violate the Fair Credit Reporting Act ( FCRA ) if reported inaccurately. 

I have complete documentation showing the return, refund timestamp, and merchant confirmation that funds were transferred back to Affirm. 

Affirms failure to credit the refund in a timely manner is causing financial harm and risk of credit reporting inaccuracies. 

Supporting documentation I can provide : XXXX proof of return delivery dated XX/XX/year> XXXX refund confirmation dated XX/XX/year> at XXXX XXXX 
Email or written communication confirming that the refund was released to Affirm Screenshots of the incorrect Affirm account balance I am prepared to upload all documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
CFPB Complaint LVNV Funding Collection To : Consumer Financial Protection Bureau Re : Complaint Against LVNV Funding Unverified Collection Reporting I am submitting a formal complaint against LVNV Funding regarding an unverified collection account appearing on my credit report. The account is listed as a collection for the amount of {$1100.00} under account number XXXX. 
I have contacted LVNV Funding and requested validation under FDCPA 15 U.S.C. 1692g, demanding full account documentation, including the chain of title, proof of ownership, a contract with my wet signature, itemized statements, and payment history. LVNV Funding failed to provide adequate evidence proving liability.

This inaccurate reporting violates : FCRA 15 U.S.C. 1681e ( b ) : Maximum accuracy requirement FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandatory deletion of unverifiable accounts FDCPA 15 U.S.C. 1692g : Requirement for proper validation FDCPA 15 U.S.C. 1692cc : Prohibited continued reporting without verification This account continues to report despite the collectors inability to verify it, harming my credit standing and violating my rights.

I respectfully request that the CFPB investigate LVNV Fundings collection practices and require deletion of this unvalidated collection from all credit reports

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. CXX/XX/XXXXe XXXX and XXXX. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( ReportXX/XX/XXXXXXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am filing this complaint due to the fact that Wells Fargo has materially disrupted my livelihood and failed to resolve an issue I have attempted to address for months. I financed a vehicle with Wells Fargo and paid a substantial down payment at purchase. On XX/XX/year>, I was a victim in a hit-and-run accident, after which the vehicle required extensive repairs and remained in the shop for months. I paid over {$4000.00} out of pocket for those repairs, creating significant hardship and temporary limitations in maintaining regular payments. I remained in good-faith communication with Wells Fargo , notifying them of the accident, repair delays, my payment constraints, and my intent to keep the account in good standing. I made payments as I was able while also covering all repair costs. I was contacted by Wells Fargo corporate regarding my account, yet no meaningful assistance, hardship accommodation, or resolution was provided despite my efforts. Instead of engaging in reasonable loss mitigation practices during a documented hardship, Wells Fargo proceeded with adverse action that directly harmed my financial stability. The vehicle was repossessed the day after I retrieved it fully repaired from the shop. Wells Fargos actions constitute a failure to act in good faith, a disregard for hardship protocols, and a mishandling of consumer funds, including my substantial down payment. I have not been provided with any transparent explanation regarding the resale of the vehicle. I reasonably believe it was sold for significantly less than the remaining balance and far below the value restored by the repairs I personally funded. Given the financial harm, lack of due process, and the unreasonable handling of my account, I demand a full refund of all payments I have made over the past XXXX years, totaling {$24000.00}, along with reimbursement for repair costs I incurred, as Wells Fargos conduct deprived me of the benefit of my bargain and caused wrongful deprivation of property.

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: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Family Choice Financial, Inc.
State: LA

Complaint narrative:
Beginning in XX/XX/year>, Family Choice Financial repeatedly contacted me using methods I believe meet the definition of harassment. They called me from multiple different phone numbers, including personal cell numbers not associated with their business. They also repeatedly searched for and viewed my personal XXXX account, which made me feel targeted and unsafe. This behavior is intrusive, unprofessional, and appears to violate my consumer rights.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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/XXXX

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 — Problem with rewards from credit card
Company: U.S. BANCORP
State: MI

Complaint narrative:
I signed up and was approved for the U.S. Bank XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. The card was advertised as being 0 % interest for the first 15 billing cycles and a 20,000 point bonus for spending {$1000.00} in the first 90 days. Still the same deal, as shown as their website : XX/XX/XXXXHowever, that wasn't the case. In the first several months, I was being charged interest. It took many phone calls to US Bank to connect with people from various levels to finally get corrections. When they did remove the interest charges, they disabled the account. They claimed the account was being used in suspicion of " fraudulent activity. '' Additionally, they completely wiped out the rewards account without any notification. I noticed this a couple of months ago when I wanted to cash out the XXXX rewards points that were shown in the XX/XX/XXXX statement. When I called US Bank, they said they were under no obligation to return those points. The rewards bonus and points, along with 0 % interest, are in the cardmember agreement and advertisement, and were incentives to signup for this card. The entire agreement has been violated.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-12-09 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : 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 XXXX XXXX XXXX Legal Basis : XXXX U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 2.15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 3.15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 4.15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by Equifax and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : * XXXX XXXX Account XXXX Reporting as Closed, yet still reporting full balance of {$3600.00}, which indicates either the account is not closed or balance is wrong. 
Payment History shows XXXX XXXX monthly, despite already being Closed, which is contradictory reporting. 
No Date of Last Payment and no supporting activity ledger given. 
Dates conflict First delinquency XX/XX/XXXX/ Opened XX/XX/XXXX meaning account appears re-aged, a violation of FCRA XXXX ( a ) ( XXXX ). 




Per FCRA XXXX, XXXX ( b ), XXXX, XXXX, XXXX, furnishers and bureaus must ensure information is accurate, complete, and verifiable. Reporting : conflicting dates, duplicate account balances higher than original credit lines, accounts marked closed but still collecting, disaster codes without authorization, and unverifiable items without ledgers or proof of assignment represents willful noncompliance, consumer harm, and negligent reinvestigation. 
The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX my family/friend sent me {$190.00} for my kids XXXX, I was already negative {$53.00} and something so I figured it would help clear my debt with PayPal as well and that left me with {$140.00} and something. Immediately after he sent it PayPal limited my account. They wanted more info from me. So I provided it. It was my ID verification and a picture of me included. They also wanted more info about some other transactions on my account that was sent under friends and family. I put that they didnt involve a sell because they didnt. And after I sent in the info with no time to even review it they shut my account down and closed it! They said I couldnt withdraw my money for 180 days and I cant even refund him the money!! I reached out to them and they couldnt even give me a reason why or help me withdraw my money for my kids XXXX! I even told them that was what it was for too! I had my family/friend that sent me the money call them too and they didnt help either!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Meta Payments Inc.
State: NJ

Complaint narrative:
My XXXX accounts were suddenly suspended without warning, and I was not provided with any way to appeal the decision. When I try to log into my account, XXXX tells me that I can appeal the suspension within 30 days, but there is no appeal button, link, or form available to me. Stated account was XXXX on XX/XX/year>. The app and desktop both show the same message : that I can appeal, but provide no option to actually do so. When I logged in today, on XX/XX/year>, now reads as 28 days to appeal. That should actually read as 29 days. This is also another mistake. 

I also did not receive any email from XXXX or XXXX notifying me that my account was going to be suspended or that it had been suspended. Because of this, I have no notice, no instructions, and no official way to resolve the issue. 

This account is very important to my business and my family. I rely on XXXX for communication, marketing, and income, and I urgently need access restored. I am requesting help to have my account reviewed, to receive the proper appeal option, or to have the suspension lifted. I simply want a clear way to resolve the issue, but I have not been provided with XXXX. 

Thank you for your assistance.

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 — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid off for a loan with bank of America and they still reporting to the credit bureau that I have that account open with them! I went to the XXXX XXXX XXXX XXXX and that loan is paid and satisfied and they created a new account that is not recorded with the XXXX XXXX XXXX and threatened to foreclosure my house and that loan is paid and this is my record

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