vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: BlueChip Financial
State: NJ

Complaint narrative:
This complaint concerns multiple high-cost loans I received from XXXX  over time. The interest charged on each loan was extremely high and appears to be far above New Jerseys legal limit of approximately 30 % APR. Across several loans ( approximately 2-3 total ), the effective interest rate I paid exceeded 200 % -300 % per loan. 

A large portion of every payment went only toward interest. Despite paying significant amounts over time, the balances barely decreased because of the high-interest structure. When I questioned the legality of the interest rates and mentioned that I might need to file a complaint, XXXX closed my account and waived the remaining balance on the final loan instead of reviewing the large amount of interest I had already paid on all prior loans. This only happened after I raised concerns before that, I had already paid the full principal plus extremely high interest on the earlier loans. 

During the time I had these loans, I was earning around {$2000.00} per month and struggling financially. The interest payments made it difficult to keep up with basic living expenses. After my account was closed, I attempted to contact the company multiple times regarding the excessive interest I had paid, but I received no response. I am requesting that this matter be reviewed and that I be refunded any interest paid above New Jerseys legal limits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Ultimately, I do not owe them a debt, so they should not call me. 

I am receiving repeated calls from XXXX claiming to be XXXX XXXX XXXX The number is flagged online as a scam or impostor operation. They call almost daily and do not provide written validation, identification, or details about any alleged debt. I have never received any written notice from XXXX XXXX XXXX regarding a legitimate debt, nor do I owe one.

Given that this number appears to be fraudulent or spoofed, and due to the harassment pattern, I am requesting an investigation into this number and any entity using it. I have now issued a formal cease-communication request to the real XXXX XXXX XXXX  to ensure compliance with FDCPA requirements.

I am requesting : 1. Confirmation of whether this number is affiliated with the real XXXX XXXX XXXX  
2. Enforcement action if the calls violate FDCPA or other consumer protection laws.

3. Permanent cessation of these calls. 

I am attaching screenshots ( if I can ) of the calls for documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
Specialized Collection Ser is trying to claim that i owe them {$580.00}, I have never received and services from them or anyone else about this fraudulent charge MUST BE DELETED FROM MY ACCOUNT. i Have tried to get documents signed about the services provided with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
On XX/XX/year>, on my Apple XXXX I inadvertently using facial recognition in the Apple App Store purchased {$59.00} worth of credits for a game called XXXX XXXX. I could not believe this had just happened. I immediately contacted Apple to dispute this unintentional and fraudulent charge. I asked Apple to look at my purchase history in regards to my App Store purchases and spending. I explained that this would further confirm that my purchase of {$60.00} worth of credits for a game is something I dont do and my purchase history collaborates this. Well, it was denied. My refund was 100 % denied so I attached the text messages that followed with Apple and Myself, and once again my dispute was denied. This is absolutely fraudulent on Apples part and I am demanding a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IL

Complaint narrative:
The following accounts are being reported inaccurately by one or more consumer reporting agencies. These accounts contain errors such as incorrect balances, late payment reporting errors, missing dates, unverifiable collection accounts, or reporting that lacks proper documentation or validation.

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 2025-11-15 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: IL

Complaint narrative:
The following accounts are being reported inaccurately by one or more consumer reporting agencies. These accounts contain errors such as incorrect balances, late payment reporting errors, missing dates, unverifiable collection accounts, or reporting that lacks proper documentation or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MO

Complaint narrative:
After reviewing my consumer reports, I noticed entries showing late payments on accounts for which I have always paid on time. Credit reporting agencies are responsible for maintaining precise and reliable information, and it is essential that the data associated with my credit profile reflects complete accuracy. 

I have never been late on the following accounts : XXXX XXXX - XXXX XXXX XXXX - XXXX I am requesting a comprehensive review of these inaccurate entries. Please provide documentation or proof, such as account records or payment statements, supporting the claim that these payments were delinquent. If you can not produce valid evidence, I am insisting that these reported late payments be immediately corrected to show the accurate, on-time payment history that I have consistently maintained. 

I appreciate your prompt handling of this issue.

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 2025-11-15 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: MD

Complaint narrative:
This XXXX XXXX XXXX XX/XX/XXXXaccount XXXX the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number : XXXX Agency : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Account : XXXX Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : 1. Cease all reporting of fraudulent information, 2. Block the account within 4 business days, XXXX. Stop verifying or furnishing any negative information related to this account. 

This is a formal cease-and-desist demand. 
XXXX XXXX XXXX must block, delete, and permanently remove all negative information related to this fraudulent account, including late payments, charge-offs, or derogatory reporting. 
Reinsertion is prohibited under federal law. 

XXXX XXXX Police Report XXXX XXXX XXXX XXXX XX/XX/XXXX, MD XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
RE : FORMAL CEASE & DESIST Identity Theft Accounts & Illegal Credit Reporting Police Report Number : XXXX Accounts : XXXX, XXXX, XXXX To Whom It May Concern : I am formally notifying Affirm that I am a verified victim of identity theft, and the following Affirm accounts do not belong to me and were created fraudulently without my knowledge or authorization : XXXX XXXX  XXXX On XX/XX/year>, I filed an Identity Theft Police Report with the XXXX XXXX Sheriffs Office.

Police Report Number : XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) 602A, 609 ( e ), 611, and 605B, Affirm is legally obligated to : 1. Immediately cease and desist all credit reporting, collection, and furnishing activities related to these fraudulent accounts.

2. Immediately block and remove all information Affirm has furnished to XXXX, XXXX, and XXXX  regarding these identity-theft accounts.

3. Provide written confirmation that these fraudulent accounts have been closed, removed, and permanently disassociated from my name, personal information, and Social Security number.

This letter serves as your four ( 4 ) -day notice.

If Affirm fails to comply within four ( 4 ) calendar days of receiving this notice, I will proceed with : A civil lawsuit for : negligent credit reporting FCRA violations emotional distress statutory damages court costs and attorney fees Filing formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Maryland Attorney General All three major credit bureaus I expect rapid written confirmation that these fraudulent accounts have been blocked, deleted, and will never again be reported.

Sincerely, __________________________________ XXXX XXXX Victim of Identity Theft Police Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I accidentally sent someone {$50.00} because my phone was glitching I was trying to send my child money and it resulted into multiple payments to different parties cash app is refusing to do another appeal they deny me multiple times and they're not giving me back my money this is hardship and I need my money to be refunded in a full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I am not tied to these accounts ; they should be taken off within 15 days as stated in USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax sent me a nearly identical generic stall letter stating that they applaud my efforts but implying that a third party may be assisting me. This is irrelevant because the FCRA does not restrict my right to dispute. 
Equifax then suggested that I can see my credit report and dispute for free. That again is not the issue I did NOT ask for instructions. I requested an investigation into inaccurate, inconsistent, and incomplete information on my credit file, and Equifax responded with a template letter that avoided the actual dispute. 
This violates the following : FCRA 602 ( A ) consumer right to fair and accurate reporting FCRA 611 ( a ) failure to investigate FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) failure to provide method of verification Metro 2 Compliance Requirements accuracy, consistency, completeness Equifax did not address the inaccuracies I reported. 
They did not provide verification. 
They did not provide furnisher documentation. 
They did not explain how they verified any item. 
Fair resolution requested : I am demanding : A real investigation into each disputed item Full verification documentation Method of verification Immediate deletion of any account Equifax can not substantiate If Equifax can not legally verify the disputed items using Metro 2 guidelines and the FCRA, they must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: MD

Complaint narrative:
Reporting predatory loans. High interest rates, debt cycles, credit reporting, balloon payments and high APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, unauthorized, and unverified items currently appearing on my credit report. These inaccuracies are causing harm to my creditworthiness, and I request immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items on my report are incorrect : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXXXXXX Wrong Address Charge-Off Accounts ( I have no knowledge of these accounts and dispute their validity ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$2500.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$510.00}, Date Opened : XX/XX/XXXX Collection Accounts ( I have no knowledge of these accounts and dispute their validity ) : XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$670.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$570.00}, Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$670.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$330.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$2100.00}, Date Opened : XX/XX/XXXX Unauthorized Inquiry : XXXX XXXX, XX/XX/XXXX Under FCRA 607 ( b ), 611, and 623, credit reporting agencies are required to maintain maximum possible accuracy and investigate disputed items fully. Furnishers of disputed data must provide complete documentation, including original account agreements and payment history, to validate any reported debt. Failure to provide such verification mandates deletion of the item in full. 

I demand that the CFPB require my credit reporting agency to : Conduct a full investigation of all disputed items.

Remove any item that can not be fully verified with complete documentation.

Provide me with written confirmation of results.

Correct my credit report to reflect accurate information immediately.

These inaccurate reports have already caused harm to my financial reputation and may affect my ability to obtain credit. I request swift action to resolve these matters. 

Thank you for your prompt attention to this serious matter.

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 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: MN

Complaint narrative:
After an accident in XXXX  my insurance paid off my vehicle in full. Yet American Credit Acceptance posted a 30-day late payment in the month of XX/XX/year> even after the insurance payoff. I respectfully request the entire deletion of the account # XXXXXXXX XXXX XXXX XXXX completely as a one-time professional courtesy with each pertinent credit reporting agency . Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2025-11-15 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: NY

Complaint narrative:
I lack involvement with these accounts ; they must be deleted within 15 days as USC 1681g requires.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This letter serves as my formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide all of the following : 1. The name and address of the original creditor.

2. A complete itemized breakdown of the amount you are claiming, including : principal interest fees any other charges 3. A copy of the original contract, agreement, or signed document showing I am legally obligated to pay this debt.

4. Proof that you have the legal right to collect this debt, such as : a copy of the assignment, purchase agreement, or other documentation proving ownership.

5. The date of last payment on the alleged account.

6. Verification of the statute of limitations for this debt in my state.

7. Your companys license number and the name of the state ( s ) where you are licensed to collect debt.

Until you provide all requested documentation, please consider this letter notice that I dispute the validity of this alleged debt in its entirety.

I request that you cease all collection activities including phone calls and reporting to credit bureaus until full validation is completed. If the debt is reported to any credit bureau during this time, that will be considered a violation of the FDCPA and FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TN

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2025-11-15 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: PA

Complaint narrative:
I am writing to request an immediate block and removal of fraudulent account ( s ) listed below pursuant to FCRA Section 605B.

These items are the result of identity theft. Attached are my government-issued ID, proof of address, and a copy of my police report/FTC identity theft affidavit. 

Please block these items from my consumer credit report within four business days, as required by law. 

ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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