vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX To : XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account Under FCRA Request for Immediate Investigation and Deletion To Whom It May Concern, This letter is a formal dispute of the following account currently being reported on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Original Creditor : XXXX XXXXXXXX ASSIGNEE OF XXXX XXXXXXXX XXXX Current Creditor : XXXX XXXX , XXXX  Account Number : XXXX Reported Balance : {$4800.00} Under 15 U.S. Code 1681i, I am requesting an immediate investigation into this alleged debt and the deletion of the tradeline from my credit report if it can not be fully validated. I have not received any documentation substantiating this debt, including but not limited to a signed purchase agreement, detailed account statements, or a legitimate chain of title between the original creditor and the current assignee. Without such documentation, this item is unverifiable and inaccurate per FCRA standards. 
Furthermore, under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute a debt and request validation. Reporting a debt without providing full validation is considered a deceptive and unfair practice, and any failure to adequately investigate or correct this item would constitute willful noncompliance under 15 U.S. Code 1681n.

Please consider this a direct challenge to the validity, accuracy, and completeness of this account. If you can not provide the required documentation within 30 days, I expect this item to be permanently deleted from my credit report, as you are legally obligated to remove unverifiable information. 
I am keeping detailed records of all correspondence related to this dispute for potential legal action, including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if this matter is not handled appropriately. 
Please confirm your investigation results in writing within the FCRA-mandated timeframe. If you verify the account, I demand you provide the method of verification and the name and contact information of the party who verified the information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Two days ago, I had a CD mature at another bank. They insisted on returning the proceeds to the bank when the funds originated 12 months earlier.

However, when the funds arrived at Marcus, the ACH transfer was cancelled, not for any reason except that the Fraud Department is incompetent, overly agressive, lazy, and stupid. If they had bothered to check, they would have seen the original transfer transaction that purchased the CD. If they had called me, I could have explained. Instead, they forced my daughter to close our account. When I called to ask them why they are so stupid, they refused to talk to me because I am the joint owner, not the primary owner. So, now I have to go back to the bank that closed the CD and get them to mail me a {$110000.00} check. Meanwhile I'm losing {$17.00} per day in interest. 
Marcus is not a real bank, though they pretend to be. Best to stay away. I have pulled all money money from that place, and so have my father, my brother, my wife, and my daughter. The Fraud Dept at Marcus is driving away depositors at an alarming rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX Received promotional interest free loan for {$1800.00} @ 12months 0 % APR for a dental procedure. Made all payments on time and after the 12th period I learned the loan had not been paid off. This triggered excessive interest fees on the balance and additional monthly interest accruals. The statements do not explain the fees and repeated phone calls result in intentionally deceptive information. You ask for the total due on the loan and the only give you the principal balance. This continued through today. In total the interest accrued on this loan was appx {$1000.00} and the principal balance did not change. The total to pay off this loan is {$2800.00} after almost 3yrs. Since I had other promotional purchases I was told that I needed to call in after every payment to specify which loans the payments were to be applied to. The online statements do not indicate how the payments are being applied and since I was making all payments on time I believed the payments would be applied to the oldest loan and continue forward. After the initial promotional purchase expired it appears no payments were applied and interest continued to accrue. I have not been able to get an explanation as to why the principal balance had not decreased in 3yrs. I see XXXX of up to 39 %. It would be impossible to ever pay this loan off in installments. They dont allow any form of balance transfer or credit card payment, so cash is the only option. I finally got fed up and took out a 2nd loan to pay off this loan. This predatory and outrageous. I see previous federal class action lawsuits against care credit for same practices but it continues on. 

This company is so deceptive that I cant even access my full account number. 

i can provide copies of statements and text message threads upon request. 

Please 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 2025-04-26 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX, XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, XXXX the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA XXXX. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-04-26 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: IL

Complaint narrative:
I checked my credit report and found fraudulent information on my credit 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 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX was found as total loss due to XXXX XXXX XXXX XXXX. XXXX had a check ready to cover nearly {$13000.00} out of the XXXX owed on the loan. XXXX was unable to obtain all the documents required by them from Nissan Financial due to the fact that they were unresponsive for weeks, as per them " due to the XXXX season '' meanwhile continuing the send me bills for for a totaled vehicle. Eventually around XXXX XXXX was able to pay the amount to Nissan. Nissan did not initiate any contact with my Gap insurance after giving them all the information. I initiated contact with my gap Insurance and obtained a list of documents I was to gather from XXXX and Nissan on the loan and vehicle value, loss evaluation. I was able to gather all the documents for them but Nissan Financial again did not initiate or respond to the communication initiated with them by the gap insurance. It took weeks once again for them to resolve the contact and gap insurance coverage. 
For more than 3 months that Nissan was entirely responsible for not resolving the paperwork and processing two insurance coverages waiting to pay them, they continued to bill me for a vehicle that was totaled out due to circumstances I wasn't responsible for, other than living in a state that is prone to flooding after every heavy rain. 

Nissan has been harassing me with rude calls and voice messages to settle what they claim I owe them. The sum they claim I owe them is nearly {$5000.00} I can not afford to pay all because they had no decency to put a pause on my monthly payment while two insurance coverages I provided them with were ready to pay and they were not cooperating. ( I have never missed any payments on my loan for nearly 4 years I had the vehicle and I was always in good standing with my loan ). 

Nissan Financial had reported what they claim I owe them to all credit bureaus and ruined my credit score. So they are still harassing me and trying to force me to pay them and amount that would have otherwise been covered by two insurance plans I provided them with. 

I find this very unprofessional including they're rude and harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-26 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
On or about XX/XX/XXXX, while reviewing my XXXX credit report, I discovered an unfamiliar account allegedly reported by Affirm Inc ( XXXX XXXX XXXX  ) with an alleged balance of {$210.00}, showing as a charge-off opened on XX/XX/XXXX. 

I immediately contacted Affirm Inc directly by phone & chat system and provided all necessary personal information to validate the account, including my full legal name, date of birth, Social Security number, and address. After a thorough search, Affirm representatives confirmed they could not locate any account, loan, or balance of {$210.00} associated with my identity. They explicitly advised me to dispute this inaccurate account with XXXX 

This account is not mine. Affirms inability to locate any record associated with me proves that this tradeline is inaccurate and unverifiable, violating the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information This error is causing significant harm, including stress and a material delay in my mortgage approval process. Given that Affirm could not verify the account even after a detailed identity validation, XXXX  is required under FCRA 1681i ( a ) ( 5 ) to delete unverifiable or inaccurate information within 30 daysor sooner if evidence demonstrates no legitimate account exists.

Additionally, courts have ruled that continued reporting of inaccurate or unverifiable information after notice constitutes willful noncompliance, actionable under FCRA 1681n ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

I respectfully demand immediate deletion of this erroneous Affirm Inc account from my XXXX credit report within 15 days to prevent further harm to my creditworthiness and to comply with federal law. 

I request full documentation and confirmation of removal, or otherwise I will pursue additional remedies, including escalation to the Federal Trade Commission ( FTC ) and potential civil litigation for willful noncompliance and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Since opening my account I've had nothing but issues. First I have had to pay to have 4 debit cards mailed. I have not recieved a single one. I've been In the branch 4 different times. Once they even gave me a cashiers check for XXXX however they say the system will not allow them to print me a debit card. I wrote a check to my son so I could get my funds the bank refused to cash it. I tried to transfer my funds the bank refused to transfer my funds. Now they have me locked out of my account yet again and refuse to unlock my account. Stating I have to drive XXXX hours to the only branch in my state to show my id to unlock NY account. Again. I told them I wanted to close Mt account and they can mail me a check to my address on file. They refuse. 

I filed a complaint before and the company responded with I needed an id declaration form. To which I paid and had motorized 4 times. And the bank refused to accept it. It was an address didnt match. So I went and updated my license. Still no. So I added to the form to show both my addresses and still they refuse to allow me access to my own money.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I have been paying my car note through micheal wayne investment company I pay XXXX dollars monthly. My car gets cut off every month before the last week of that month the car is old has problems it's a XXXX XXXX in need of work it's been to the shop at least XXXX times since XX/XX/XXXX no lowered rate.Auto connection displayed XXXX price but then looking at my paperwork says XXXX how is that possible.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXXXXXX XXXX AND XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer 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 explanation