vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Contacted affirm to let them know I am a victim of identity theft and provided them a copy of the FTC report with clear directions that these accounts from affirm are not my responsibility under FCRA. 

This is what they send me every single day non stop... 


Hello XXXX, We have received your response, however we are missing or unable to view your completed affidavit. We ask that you complete a webform affidavit by visiting this Help Center Page and clicking on Still have questions? Contact us. When filling out the form, be sure to provide any supplemental documents to support your claim. If you have filed a police report, please include a copy of the report, not just the filing number. 
Once we receive a completed webform affidavit from you, we will reopen our investigation and notify you of the outcome within XXXX days. 
If you have any new evidence you wish to share, please call XXXX and request to reopen this case or reply back to this email. 
Reference the following Case ID number : XXXX. 
If you wish to submit new evidence by mail, you can send your document to this Affirm address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Best Regards, Affirm Account Safety Team helpcenter.affirm.com XXXX When following these steps non of the things they mentioned exists on their page....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Care credit is over charging me {$1000.00}. They said I did not pay towards my promotional balances however their representatives did not allocate my payments correctly. I have chat conversations saved from their employees stating they allocated my payments and my balance for that particular promotion is paid off and a XXXX dollar balance. Care credit investigated it & said I owe because the payment did not go towards the promotion. I have a long strand of text messages full of misinformation as well on their end, their representatives either give me inaccurate amount of payments due, or do not allocate properly. 
I also have XXXX promotional purchase for {$490.00} made in XX/XX/2025, they some how increased that to {$550.00}, I was told because someone removed my allocated payment and put it towards the balance, which is not true. When I called I requested my entire payment to go towards the promotion ( picture proof attached ). Calls are recorded. However how is it legal to add to a promotion? The promotional purchase equals the amount I swiped my card for and for the single purchase. How can they add onto something that was a single purchase. Now they added onto my promotional purchase that has a deadline to be paid. That seems fraudulent to me. This entire situation seems like a scam. Their representatives are not fluent in XXXX and makes it very difficult when trying to address payments and where the money should go. They make you call to allocate payments for a reason, so money gets moved around and just like this scenario they now make an extra {$1000.00} when I have conversations saying my purchase has been paid off. I even made odd dollar payments to pay off what I was told was left over. 
Also in my notes. XXXX of their representatives took the time to look into everything and said that yes I did make all the appropriate payments and the math does add up if things were allocated correctly. There should be a note of that in file.

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 2025-09-04 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: NV

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Shortly after someone I know attempted to send me a XXXX payment that ultimately failed, the person proceeded to claim that the payment was unauthorized for reasons Im not aware of. When I received notice from NFCU about this situation I promptly provided screenshots of my conversation with the person who attempted to send the XXXX payment which included a screenshot that they sent me which shows the details of the XXXX payment in their account. The proof that I provided made it clear that the XXXX payment was in fact authorized by the sender and the claim that they made stating the payment was unauthorized was fraudulent. Shortly after providing proof of my conversation with the sender I then received an email from NFCU which stated that my accounts had been closed due to suspicious account activity. I requested to be informed of the reason for my account being closed and NFCU declined to provide me with that information citing their policy. I received an appeal form which I promptly filled out and submitted via email however I still havent received a decision on my appeal. I have {$240.00} in funds remaining in my NFCU account that Im unable to access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is try to collect a debt I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXXXXXX XXXX  Account NumbeXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
It's been since XXXX my chase account was restricted bc they say fraud suspect but I've given them all the documents they needed this bank never informed me of nothing no emails no follow up and they closed my account didn't let me know anythingXXXX where is my remaining funds XXXX  the bank is the biggest fraudulent I know they kept my funds XXXX hats STEALING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I held a XXXX XXXX XXXX  ( XXXX ) with XXXX XXXX  through my former employer. After my separation in XX/XX/year>, XXXX began charging me a XXXX XXXX monthly maintenance fee, even though their published fee schedule caps this fee at {$1.00} per month. 

I asked XXXX repeatedly for the specific, dated disclosure authorizing a {$3.00} fee. Instead, I was given contradictory explanations : That the {$3.00} fee began after my termination. 
That the {$3.00} fee applies only to active employer accounts. 

Both can not be true. No written disclosure has been provided. 

These undisclosed charges ultimately pushed my account into a negative balance. I escalated this matter through customer service ( Case XXXX XXXXXXXX ) and by email to XXXX compliance team, setting a XXXX deadline. XXXX did not provide the requested documentation or resolution. 

Key issues : Fees higher than the published maximum without disclosure. 
Misleading and inconsistent explanations from representatives. 
Account harm ( negative balance ). 
No response after escalation. 

I am requesting a full review of this practice and appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am following up on my dispute of the collection account. To date, no documentation has been provided to verify this account. Reporting unverifiable or inaccurate information violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to maintain maximum possible accuracy. Continuing to report an unverified collection account is also a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), which forbids deceptive practices and misrepresentation of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation