vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: RI

Complaint narrative:
During the middle of XX/XX/year>. I signed up for XXXX dollar XXXX month membership with XXXX XXXX in XXXX XXXX. After a week I wasnt going anymore due to work. I called and tried to cancel and was told I had to come in person. But when I attempted to go in person everyone told me they were unable to cancel my membership. I left and eventually forgot about it. A few months later i received a mail letter from Aldous and Associates saying I owed XXXX plus dollars to XXXX. It was later added to my credit report as a collection charge. I attempted to dispute with the credit bureau as an incorrect amount to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services ( EWS ) is refusing to conduct a lawful reinvestigation of inaccurate and unverifiable checking-account information that continues to appear on my consumer report. 

My first dispute with EWS was submitted under identity-theft procedures and was investigated under that category. Later, I filed a new dispute for a different reason : the reporting is inaccurate and can not be verified, because the account was sold to a debt collector that never validated the debt and then somehow returned to the original bank without any documented chain of ownership. 

Instead of treating this as a new inaccuracy dispute under FCRA 611 ( a ), EWS improperly dismissed it as previously investigated, even though it raised completely different issues unrelated to identity theft. 

EWS failed to : Perform a reinvestigation as required Forward my dispute to the furnisher Verify legal ownership or reassignment of the account Obtain documentation proving the furnisher has authority to report Delete unverifiable information under FCRA 611 ( a ) ( 5 ) I have provided all supporting documents, including my original debt-validation letter, dispute letters, evidence of the debt collectors involvement. EWS still refuses to investigate.

Because of EWSs continued non-compliance after five attempts, I am preparing to pursue litigation. Before filing, I am requesting the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received a phone call that appeared to come from Affirms official phone number. The caller ID displayed Affirm. The callers impersonated Affirms fraud department, stated that someone was attempting to take out a loan using my account, and said they needed to help block the unauthorized activity. 

This was a caller ID spoofing scam. The scammers used Affirms cloned number to gain my trust and then completed an unauthorized Affirm loan with retailer XXXX under my account. I did not authorize this purchase, I did not receive or benefit from the goods, and I immediately reported this to Affirm. 

Affirms first response acknowledged suspected unauthorized activity and stated they had paused credit furnishing while they investigated. 

However, Affirm later concluded : After a thorough review, our investigation found that the activity was associated with your account, and the loan remains your responsibility. 

Affirm is holding me responsible for a fraudulent loan even though : I was the victim of a spoofed caller ID impersonation scam, I reported the scam immediately, The purchase was made by scammers, I have no knowledge of or access to the goods. 

Affirm is ignoring clear evidence of fraud and is continuing to insist that I repay the unauthorized loan. 

Why this is a consumer protection issue : Affirm failed to provide adequate fraud protection for its lending system and is attributing liability for a loan created through a widely documented scam tactic ( caller ID spoofing ) that consumers can not reasonably detect. 

Their investigation does not appear to consider : Phone spoofing fraud Account takeover risk Known impersonation scam patterns Consumer reporting protections for unauthorized transactions Affirm is also telling me that I must continue paying the fraudulent loan to avoid negative credit reporting, which creates coercive financial pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am filing this complaint because Bridgecrest is reporting a repossession account inaccurately and has failed to provide legally required documentation to validate the account. The information being reported to the credit bureaus is incomplete, inaccurate, unverifiable, and in violation of Federal law, including FCRA, FDCPA, and UCC Article 9.

Despite requesting validation and documentation from Bridgecrest, they have failed to provide : Notice of Intent to Sell ( required by UCC 9-611 ) Post-Sale Deficiency Notice ( required by UCC 9-616 ) Itemized deficiency balance calculation Proof of sale, including date, location, buyer, and sale method Payment history and ledger Reinstatement/Redemption amount at time of repossession Contract establishing the debt and terms Without these documents, Bridgecrest can not legally claim a deficiency balance or report a repossession. 

The credit reporting they are furnishing contains the following problems : Incorrect balance and past-due amounts Missing or incorrect payment history Improper reporting dates ( DOFD / Status Date / Charge-Off Date inconsistencies ) Failure to validate debt upon request Incomplete documentation required to establish the legitimacy of the deficiency balance Reporting information they can not verify, violating FCRA 607 ( b ) and 623 Bridgecrest is continuing to furnish information that is unverified, inaccurate, and incomplete, which is a violation of FCRA standards for accuracy and the obligation to investigate. 

Additionally, failure to provide the legally required pre-sale and post-sale notices under UCC Article XXXX makes any deficiency balance unenforceable. 

I am requesting that the CFPB require Bridgecrest to : Provide complete documentation validating the account, including legally required notices Provide proof of a commercially reasonable sale Correct or delete all inaccurate reporting Remove the account entirely if they can not validate every element required under law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have called two times asking for details to mailed or emailed to me, sent 2 emails to the email addresses provided requesting verification, tried to dispute through credit agency and tried calling the credit agency the 2nd company transfered it to. I was a co signer to loan and they didn't notify me that the borrower didn't pay loan, rv was repossessed and sold.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : 1 am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my early warning consumer report immediately 1 attached a copy of my report to this request The accounts consist of an Bank account opened at 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank was notified from me of Unauthorized transactions totaling a little over XXXX dollars hit my account where I received no services for I notified the bank they said my account was under review then closed the account without giving me a reason or any way or stopping this from happening. It is my business account so its terrible for 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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
For more than 2 months now i have been trying to get my lien release form from TD Auto Finance. I have talked to them a handful of times now and i still can not receive the lien release form. A few times their associates said the address the wrote was incorrect ( probably not the case since this was the response received more than once ) and now the most recent phone call was almost three weeks ago where they said they will escalate the matter and have it sent over night. I just want to put this behind me and would greatly appreciate any help. Companies have no problem charging interest or ruining someones credit if their clients are late when will companies start to be liable for their shortfalls to the clients. I have now lost a sale of my vehicle due to the ridiculous delays in getting my lien release form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I noticed charges on my CareCredit/Synchrony Bank statement labeled as Account XXXX XXXX. I did not know what these charges were and never knowingly enrolled in this insurance product. 
When I contacted CareCredit to ask what the charges were, I was told that I had to have a hardship in order to remove the insurance or receive a refund. This is incorrect and misleading. 
I did not authorize or agree to this optional add-on insurance product, I was never told it was optional, and I did not provide clear consent as required under federal consumer protection regulations. 
I am requesting the cancellation of the Account XXXX XXXX program and a full refund of all premiums that were charged without my permission. 
Synchronys response was not helpful, and I am filing this complaint because the product was added without my consent and I was given inaccurate information when I asked for help.

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 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I previously submitted a written dispute to TOYOTA MOTOR CREDIT dated XXXX XXXX, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), TOYOTA MOTOR CREDIT has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since TOYOTA MOTOR CREDIT did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure TOYOTA MOTOR CREDITs immediate compliance with FCRA requirements. 

TOYOTA MOTOR CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The reporting does not accurately reflect my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX for knowingly reporting and maintaining false, unverified late payments on my mortgage account ( XXXX XXXX XXXX XXXX ) for the months XXXX and XXXX. Despite multiple disputesincluding a second and final follow-upExperian has failed to provide any documentation, proof, or verification, nor has it corrected the inaccurate entries, directly violating FCRA 1681i ( failure to reasonably reinvestigate ) and 1681s-2 ( furnishing information known to be inaccurate ). The account is being reported with repeated late payments even though Experian can not produce any evidence, making the data unverifiable and legally required to be deleted. Experians refusal to comply with its statutory duties is causing ongoing harm to my credit profile and constitutes negligent and willful noncompliance.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting an incorrect balance on my Synchrony Bank collection account ( ending in XXXX ). 

I recently paid this account down, and my actual balance due is {$84.00}. However, XXXX increased the reported balance to {$110.00} without any explanation, notice, or legal basis. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information. 

I have proof of the correct balance directly from XXXX  own payment portal, screenshots attached. 

I opened a dispute with XXXX, but XXXX continues to report the incorrect, inflated balance. This inaccurate reporting is harming my credit score and preventing me from obtaining transportation and housing. 

I am requesting XXXXXXXX XXXX XXXX to Delete the account entirely if they can not verify the correct amount. 

If this can not be resolved, I will escalate to the Attorney General and pursue legal action for damages caused by inaccurate 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 2025-12-04 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 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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
I received a letter in XXXX from Jefferson capital, a debt collection company, stating I owe XXXX for an outstanding balance through XXXX. I have never had an XXXX  account, so I filed a police report, file a report with the FTC and placed a freeze on all my credit reports. I submitted the information to XXXX and Jefferson Capital. Jefferson acknowledged fraud and cleared the account. XXXX continues to state I owe this amount stating your usage patterns observed in both disputed and previous loan ( s ) where the IP Address, device used, and purchasing pattern were identical. 
your repayment history indicates the disputed loan ( s ) was authorized. 
your prior communication ( s ) between XXXX or our merchant ( s ) indicate the loan ( s ) in question was authorized. 
the multiple notifications and information you have received about the disputed loan ( s ), but failing to notify XXXX that this activity was unauthorized until a significant amount of time had passed. I provided them with all the reports and informed them the phone number and email they have on the XXXX  account do not match mine. The phone number associated on the account was XXXX, is not my number nor has it ever been my number. The email was also XXXX. I have never had an XXXX Account. I have also never made any payment to XXXX- so any payments paid were from someone else- likely the person who opened the account with my personal information. They will not provide the account information or provide the address that items were sent it. Also, I notified them as soon as I received the debt collection letter- I never received any other communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Subject : Dispute of Charge-Off Reporting Account Ending in XXXX I am formally disputing the reporting of my XXXX XXXX XXXX XXXX charge account ending in XXXX, which was charged off on XX/XX/year> with a balance of {$3600.00}. I believe this charge-off may be based on an inaccurate or non-compliant delinquency timeline during the XXXX period. If the reporting of my payment history leading up to the charge-off was inaccurate, incomplete, or not in compliance with CARES Act requirements, the charge-off status and date can not be considered accurate or valid under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that XXXX XXXX XXXX XXXX provide complete documentation verifying the following : That I did not request a XXXX hardship or payment accommodation. 

That XXXX XXXX XXXX XXXX  complied with all CARES Act reporting requirements from XX/XX/year> onward. 

That the month-by-month delinquency timeline leading to the charge-off is accurate, complete, and verifiable. 

That the charge-off date of XX/XX/year> is correct and fully supported by XXXX XXXX XXXX XXXX records. 

If XXXX XXXX XXXX XXXX can not provide comprehensive documentation proving that the reporting was accurate and compliant, I request that the charge-off and any associated derogatory information be immediately removed or corrected on my credit report. 

Under the FCRA, I am entitled to have all information reported accurately and fairly, and the CARES Act provided additional protections for consumers during the XXXX pandemic. Failure to provide supporting documentation may constitute a violation of these obligations. 

Please treat this as a formal dispute and provide your response in writing along with all documentation supporting the reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
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 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 2025-12-04 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: SC

Complaint narrative:
On or about on the XX/XX/year> started noticing accounts not authorized by me on my credit report and unauthorized inquires. XXXX XXXX XXXX  on XX/XX/year>, XXXX account systems in XX/XX/year> and also the inquiries started in XX/XX/year> I am submitting this under fcra 605b and fcra 15usc 53b section 814 a and 15usc 1692

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance {$3100.00}

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