vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: ID

Complaint narrative:
Affirm has repeatedly called me over and over about the dead I owe. They literally called me XXXX times today it is targeted harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
CFPB Complaint TD Bank {$400.00} Bonus Short Payment I am filing this complaint regarding a {$400.00} new-account bonus that TD Bank failed to fully pay, despite my meeting all the required terms. 

In XX/XX/year>, I attempted to open a TD Bank Beyond Checking account online using a promotional offer for a {$400.00} bonus after completing {$5000.00} in qualifying direct deposits. The online application would not accept my identification, so I went in person to a local TD Bank branch to complete the process. 

At the branch, I spoke with staff who reviewed the same {$400.00} promotional offer I had attempted to access online. They confirmed that if I opened the account before the offers expiration date, TD Bank would honor it. I returned to the branch before the promotional deadline and successfully opened the account on XX/XX/year>, under the same {$400.00} offer. 

I fully met the terms of the promotion by completing more than {$5000.00} in qualifying direct deposits within the required timeframe in XX/XX/year>. However, TD Bank only paid {$300.00} of the {$400.00} bonus on XX/XX/year>. 

I contacted TD Bank multiple times by phone and email, provided all supporting documentation, and requested the remaining {$100.00} owed. I also received an email response acknowledging my inquiry, but the bank declined to pay the full amount without any valid reason. 

Because the promotional offer was verified by TD Bank employees in person, and because I complied fully with the stated requirements, I am requesting that TD Bank issue the remaining {$100.00} to complete the {$400.00} promotional offer as advertised and confirmed at the time of account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They reported to credit beareau this debt for XXXX I never opened the account ask for original never sent it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I requested that XXXX XXXX XXXX apply for loan for {$2000.00}. I explicitley told the loan XXXX that i was only interested in applying for a loan that considered my current bank statements. I further explained the reason why was because my previous years tax returns would not be enough. If i applied using only my tax returns i was pretty much guarenteed to get denied and i didnt want to take a hit to my credit for no reason. The loan XXXX informed this wouldnt be an issue cause they can use my current bank statements to apply for the loan, she then said that she would call me the following day to inform me if was approved. From that point forward the loan XXXX started dodging my calls. I called once every morning and once every afternoon requesting updates. I was ignored for roughly XXXX weeks. When they finally put the application in they did so without including my current bank statements. They put the loan application in exactly how i asked them not to. As a result of this negligent if not intentional disregard for my requests my credit has tanked by XXXX points. I did not consent to have this company put in a loan application that did not include my current bank statements and even drilled that point in by explaining that doing so would be a waste of time and an unneccessary hit to my credit as it was a guarenteed denial. The loan XXXX either forgot that i made this request because it took her XXXX weeks to get to what was advertised as a XXXX hour approval or she did this intentionally because she aggrivated with me calling to get updates which is a sentiment that she had absolutely no trouble expressing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under XXXX U.S.C. XXXX ( Fair Credit Reporting Act XXXX ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under XXXX U.S.C. 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 2025-10-15 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: IL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Omega RMS, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported on my credit file. The company Omega RMS is reporting a collection account with a balance of {$13000.00}, listed as negative on my credit report. 

I previously disputed this account directly with XXXX  and requested verification under the Fair Credit Reporting Act ( FCRA ). However, the furnisher failed to provide sufficient documentation proving the accuracy and ownership of this debt. Despite the lack of verification, the account continues to be reported as valid. 

I have not received copies of any signed agreements, contracts, or proof that this debt is mine, nor have I been shown how this debt was verified. This is a violation of my rights under the FCRA, which requires credit reporting agencies to report only accurate and verifiable information. 

I am requesting that the CFPB review this issue and ensure that XXXX and Omega RMS conduct a complete investigation. If the furnisher can not provide verified proof of the accounts validity, I am asking that this item be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Identity Theft Block Request Letter ( For use under 15 U.S.C. 1681c-2 ) Your Name : [ XXXX XXXX XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ] Phone : [ ( XXXX ) XXXX ] Email : [ XXXX ] Date : [ XX/XX/XXXX ] Subject : Request to Block Identity TheftRelated Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) I am writing to formally dispute and request the blocking of information resulting from identity theft as provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my credit report and identified certain information that does not belong to me and appears to be the result of identity theft. 

Accounts to Be Blocked : Creditor Name : XXXX XXXX Date Reported : XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX  Date Reported : XXXX XXXX, XXXX Explanation : This account was opened or used fraudulently without my authorization.

Request : Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information within 4 business days of receiving this request and documentation. 

Please also provide written confirmation once the block has been applied, including notice that you have informed the furnishers of the affected information pursuant to 1681c-2 ( b ). 

Thank you for your prompt attention to this matter. Please send confirmation of your actions to the address listed above. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries listed on my credit report appear to be inaccurate. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all reported information must be accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXE Date : 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have been paying on my vehicle with Exeter Finance since XX/XX/XXXX. I have made all payments on time except for two late payment i requested and received extensions for because I reach hardships during these times. The amount were corrected and paid. My regular payment is {$430.00} per month. 
I am now at the end of my contract and was told I owe an additional {$1700.00}. Exeters representative stated this balance came from payment extensions given on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. However, I was never told that these extensions would add a XXXXXXXX XXXX and some in extra interest or extend my loan term beyond my final payment date. 
When I called to dispute the balance and request escalation, I was told I could not be transferred to the Escalations or Customer Relations Department. The supervisor refused to provide a written breakdown or settlement option and only said I must pay the full balance. I was also told to call GAP and cancel coverage, which has nothing to do with the disputed interest. 
I believe this balance is incorrect and that I was not properly informed about the interest charges tied to the extensions. I am requesting a full account review, an itemized payment history, copies of my extension agreements, and removal or reduction of the disputed interest. 
I have already sent a formal written dispute to and by email to : XXXXeterfinance.XXXX and XXXX@exeterfinance.XXXXXXXX their Dispute Resolution Department, but I have not received proper assistance.

Im asking for help to have this issue escalated and reviewed by Exeters executive or compliance department.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$39.00} XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX - Account Number XXXX XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} Unauthorized Inquiries to Be Deleted :

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