vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> approximately XXXX XXXX, I deposited XXXX dollars at the drive through ATM US bank XXXX branch. XXXX & XXXX XXXX. The ATM rejected XXXX {$20.00} bill because it was folded slightly. I unfolded the bill and tried to redeposit. The machine notified me that it couldnt complete the transaction due to a hardware issue. It did not return my XXXX in {$20.00} bills or issue any receipt. I removed my card and put it back in hoping to see the money was deposited in my checking account. It was not there. It has been XXXX XXXX since I initiated a claim with the bank. I have not been notified of any progress or issued any temporary credit. Please help. This caused tremendous distress and anxiety and I would like my money returned or credited immediately. Thanks.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 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 Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear Equifax Information Services LLC I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : 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 Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
RE : Demand for Deletion of Inaccurate Charged-Off Account Not for Reinvestigation To Whom It May Concern, This letter is a formal demand for the permanent deletion of an inaccurate charged-off account being reported on my credit file. This account, reported by XXXX XXXX, is listed on my credit report under account number XXXX. This communication is NOT a request for reinvestigation, but a demand for removal based on the rights provided to me under federal law. This account was written as a charged off account but I never received any of the 1099 cancellation of debt forms, and because of that this account is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( a ), credit reporting agencies are required to ensure all information furnished in a consumer report is accurate and verifiable. The continued reporting of inaccurate, outdated, or unverifiable information is a violation of federal law. 

I am asserting my rights under : FCRA Section 1681e ( b ) : Mandates maximum possible accuracy in credit reporting. 

FCRA Section 1681i ( a ) ( 5 ) ( A ) : States unverifiable information must be promptly deleted.

FCRA Section 602 ( a ) : Affirms that inaccurate reporting is detrimental to consumers and constitutes an unfair practice.

Because the account in question contains errors and/or can not be 100 % verified with original documentation that meets legal and procedural requirements, it should not be reinvestigatedit must be permanently deleted from all of my credit files. 

You are hereby placed on notice that continued reporting of this account without full validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of the FCRA.

Please confirm in writing that this account has been permanently deleted from my credit file. I expect a response within 30 calendar days, as required by law. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called XXXX XXXXXXXX XXXX around Early XXXX, XXXX to get my account in good standard for missed payment in XX/XX/XXXX due having health issues.I paid the XX/XX/XXXX past due amount, and the future upcoming bill XX/XX/XXXX that wasn't due until XX/XX/XXXX A Total of XXXX payments. XXXX, XXXX & XXXX which wasn't even due until XX/XX/XXXX. 
I was also was enrolled in credit protection at the time, yet they didn't offer that solution, saying I need to call to activate it. 
But it's still was upon approval through their company. 
Not only that, their reporting on TransUnion XX/XX/XXXX late as if I was late for XXXX as well. 
Credit XXXX is also charging fees that I've never agreed to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called XXXXXXXX XXXX XXXX around Early XXXX, XXXX to get my account in good standard for missed payment in XX/XX/XXXX due having health issues.I paid the XX/XX/XXXX past due amount, and the future upcoming bill XX/XX/XXXX that wasn't due until XX/XX/XXXX A Total of XXXX payments. XXXX, XXXX & XXXX which wasn't even due until XX/XX/XXXX. 
I was also was enrolled in credit protection at the time, yet they didn't offer that solution, saying I need to call to activate it. 
But it's still was upon approval through their company. 
Not only that, their reporting on XXXX XXXX  late as if I was late for XXXX as well. 
XXXX XXXX is also charging fees that I've never agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX around Early XXXX, XXXX to get my account in good standard for missed payment in XX/XX/XXXX due having health issues.I paid the XX/XX/XXXX past due amount, and the future upcoming bill XX/XX/XXXX that wasn't due until XX/XX/XXXX A Total of XXXX payments. XXXX, XXXX & XXXX which wasn't even due until XX/XX/XXXX. 
I was also was enrolled in credit protection at the time, yet they didn't offer that solution, saying I need to call to activate it. 
But it's still was upon approval through their company. 
Not only that, their reporting on XXXX XXXXXX/XX/XXXX late as if I was late for XXXX as well. 
XXXX XXXX is also charging fees that I've never agreed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX Balance : {$280.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$8600.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$3700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXX XXXX Balance : {$770.00} Open Date XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

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 2025-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I have XXXX XXXX my investing account And XXXX in my spending account basically a checking account. On XX/XX/XXXX I tried to check into a hotel and they placed a hold on my account so I am unable to do anything with the money in my account. They asked for me to provide a picture of my drivers license as well as a selfie which I provided. They also want a bank statement from each external debit card that has ever been linked to the account which I no longer have XXXX of the account XXXX associated so I am unable to provide the the statements for those. I did provide the statements for the XXXX current accounts that I use.they wont give me any kind of timeline when they can fix this issue. I asked if they can just close my account and send the money back to the accounts that it was deposited from and was told they can to that while on hold. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Idaho Housing And Finance Association
State: IA

Complaint narrative:
Our lender is homeloan serv. During XXXX we went through a forbearance for a XXXX  of XXXX. What this means is we paused payment and once this is over the lender would do a partial claim payment which means they would pay for the months we were on a forbearance and they would add the payments to the end of our loan. Before the forbearance ended we applied for state funding to bring the account current. We signed the documents for the partial payments while our state funding was pending. When we were approved for funding the lender rejected the funding and the partial claim was applied. We called to question and a rep advised they would apply the state funding. Years later we are now being told they went with the partial payment and will not overturn it. Weve called multiple times to speak to a supervisor and promised a call back multiple times with no resolution. This has affected our credit as well as our loan not being current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2025-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY SEVERAL DATA BREACHES. PER 15 USC 1681 C-2 STATES EXPEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. THIS ACT VIOLATES 18 U.S.C. 1029, WHICH PROHIBITS THE UNAUTHORIZED USE OR POSSESSION OF ACCESS DEVICES WITH INTENT TO DEFRAUD. REPORTING INFORMATION THAT IS KNOWN TO HAVE ERROR IS A DIRECT VIOLATION OF 15 USC 1681S-2. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Formal Complaint Against Affirm , Inc. and XXXX XXXX XXXXXXXX XXXX for Breach of Contract, Non-Delivery of Services, and Credit Reporting Harm I am filing this formal complaint against Affirm , Inc. and XXXXXXXX XXXX XXXXXXXX XXXX for breach of contract, failure to render agreed-upon services, and Affirms continued collection efforts on a loan associated with services that were never delivered. 

Background : In XX/XX/XXXX, I entered into a contract with XXXX XXXX, owned and operated by XXXX XXXX, for bi-monthly one-on-one piano lessons. The total cost of these lessons was financed through Affirm. However, beginning in XX/XX/XXXX, the merchant began canceling multiple lessons and has since failed to provide a single lesson under the terms of our agreement. Despite numerous attempts to resolve the matter directly with XXXX XXXX phone calls, voicemails, and text messages from XXXX through XXXX have received no response or acknowledgment. 

Affirms Mishandling of the Dispute : In XX/XX/XXXX and again in XX/XX/XXXX, I filed formal disputes with Affirm, submitting documentation including text messages and email communications that clearly demonstrate the merchants failure to uphold the service agreement. Despite this, Affirm concluded that they bear no responsibility, stating that because payment had already been remitted to the merchant, it was my responsibility to resolve the issue directlyeven though the product ( lessons ) was never delivered. 

Moreover, during the dispute investigation period, Affirm representatives and managers explicitly advised me that I was not required to make payments while the cases were under review. Relying on this guidance, I paused payments. However, after checking my XXXX credit report in XX/XX/XXXX, I discovered multiple late payment marks, resulting in a dramatic drop in my credit scorefrom XXXX to XXXX. 

This misrepresentation by Affirm has not only caused significant financial and emotional XXXX  but has also damaged my creditworthiness, affecting my ability to obtain financing or favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have applied for credit card, didnt get approved.then they left me with a hard inquiries .. i would like that to be removed please..

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