vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I have recently started looking into my credit and noticed a charge off of {$190.00} from Affirm. Inc. I reached out to Affirm on numerous occasions within the past 4 months to let them know that I have no knowledge of that account and to get this charged removed. They continued to tell me that someone would reach out to me after 30 days and yet I still havent heard from anyone. I continued to reach out to them for more information as well as XXXX  and nothing is going through. I am requesting an investigation into this item under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to dispute inaccurate or unverifiable information on their credit reports. I believe this charge-off may be inaccurate or misreported, and I request that you verify its accuracy with the original creditor. I have NO KNOWLEDGE of this transaction and have reasons to believe someone may have used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NY

Complaint narrative:
While I did receive partial access to Fast Track Tradings platform including a login and assigned trading account the core functionality of the service was never fulfilled. I was promised not just access, but the ability to earn trading profits and receive payouts upon meeting the companys criteria. 

That is the primary value of what I paid for. It is the equivalent of paying for a subscription service that takes your money, lets you log in, but blocks every attempt to use what you paid for. 

Discover has cited Regulation E, claiming that it does not apply to authorized transactions disputed for non-receipt of goods. But this case does not fall under non-receipt. I received the account but the merchant withheld the central deliverable, which was profit withdrawal. That is not a missing product it is incomplete and deceptive service delivery. 

This is not a Regulation E gray area this is a merchant receiving funds and then refusing to honor what was sold. That places this case firmly under the scope of : UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) EFTA ( Electronic Funds Transfer Act ) Discovers obligation to investigate when a merchant completes only part of the transaction and retains funds for services it never delivered in full. 

By hiding behind authorization, Discover is attempting to absolve itself of responsibility for enabling a deceptive transaction. That position is not only legally flawed it is ethically unacceptable. 

This was not non-receipt. This was non-fulfillment. And I am seeking restitution for a service that was paid for in full, delivered in part, and ultimately shut down without honoring its core purpose. 


What makes this more concerning is the dismissive and repeated handling of my evidence by Discovers XXXX XXXX specifically by a representative named XXXX, who has repeatedly issued templated, dismissive replies and recently declared this matter closed without addressing newly submitted documentation or the substance of my claim. 

XXXX actions suggest more advocacy for the merchant than protection of a Discover customer. The tone and repetition of her responses show not only bias, but a refusal to engage with the facts of a fraud case. Who authorized her to label this matter as final when new documentation and harm continue to surface?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
Dear TransUnion I have not supplied proof under the doctrine of estoppgl-bjk silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefor... any such debt, in fact therefore exists.

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 2025-05-07 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Account XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
I verified the debt was due to medical transport for my daughter in medical emergency. Since this is a medical debt it should not be reporting to a credit adjency. I detailed CFBP Regulation XXXX bans medical bills on credit report and it has not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
XXXX of my XXXX loans reached XXXX in XX/XX/XXXX. I received a letter from MOHELA on XX/XX/XXXX that I had overpaid on those forgiven loans and I have a refund of {$92.00} that can be applied towards any remaining loans. 

I sent an email on XX/XX/XXXX asking when that refund would be applied towards my remaining balance and received an automated message, not answering my question. 

I called on XX/XX/XXXX and the person I spoke to was incompetent- she was unable to resolve any questions or provide accurate information regarding my account. 

I emailed again on XX/XX/XXXX and the response I received was that records indicate I had already spoken with someone. 

I called again on XX/XX/XXXX and was escalated to someone advanced but waited for over XXXX hours with no answer. 


I am disappointed in the lack of communication, incompetence and customer service. I still have not received any resolution. MOHELA has {$92.00} of my money that needs to be applied to my remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I'm now requesting proof of the previous investigation. I'm asking you send you method of investigation, along with all the record who you spoke with their business address and names, phone number XXXX well of documentation that proof this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and send me a copy with a copy with my update report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I'm now requesting proof of the previous investigation. I'm asking you send you method of investigation, along with all the record who you spoke with their business address and names, phone number XXXX well of documentation that proof this account was late, if you can't provided me with this information in 15 days update this accounts to PAID/NEVER LATE and send me a copy with a copy with my update 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Hi, I received an American Express gift card ending in XXXX that was originally worth {$2500.00}. When I received it, the balance was {$2300.00}. On XX/XX/XXXX of this year, I successfully used it to purchase a XXXXXXXX XXXX  for {$72.00}. Unfortunately, that has been the only successful transaction. 

Since then, Ive tried using the card at several local grocery stores, gas stations, and online retailers like XXXX, but all attempts were declined. I also attempted to use the card to pay for legitimate bills, including a rent payment and a Visible phone bill, but those transactions were also unsuccessful. 

I contacted American Express customer service but their representatives were of no assistance. Their automated system provided no help, and there is no option to register the card or set a PINmaking it unusable at merchants that require verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/XXXX Hard Inquiries CITI CARDS/CITIBANK Never called for any services and fear someone stole my identity.

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 2025-05-07 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: CA

Complaint narrative:
I recently viewed my credit report and I saw that there was a fraudulent hard inquiry due to identity theft. On Transunion the hard inquiry was from XXXX XXXX on XX/XX/year>.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Account XXXX XXXX XXXXXXXX XXXX  XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

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 2025-05-07 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: NC

Complaint narrative:
I am a victim of identity theft. There are several loans, personal car loan that i didnt authorize or give anyone permisoon to open. This has really affected my abilitys to provide for my family.

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 2025-05-08 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:
Im reaching out because my credit report contains multiple errors that are seriously affecting my life and financial stability. These inaccuracies are damaging my credit score and blocking me from moving forward financially. Ive reached my limit with the stress this has caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.

2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 

You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

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 2025-05-08 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer.

* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 

* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 

* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *.

2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 

XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 

You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

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 2025-05-07 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: TN

Complaint narrative:
a dispute was submited to all 3 credit bureaus for the account regarding ( XXXX XXXX XXXX ). the letter stating that the item should be deleted be cause it was inaccurate my High balance was {$37000.00} but the bureaus has this items listed in the amount of {$21000.00}. this is incorrect and should be delete from Transunion | Experian| Equifax

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 2025-05-07 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: TN

Complaint narrative:
a dispute was submited to all 3 credit bureaus for the account regarding ( XXXX XXXX XXXX ). the letter stating that the item should be deleted be cause it was inaccurate my High balance was {$37000.00} but the bureaus has this items listed in the amount of {$21000.00}. this is incorrect and should be delete from Transunion | Experian| Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
Mohela is not updating my payment counts to Federal Student Aid for my PSLF. I have tried several times to call them and can not even get an agent or an option to speak to one. Federal student aid contacted them and they stated XXXX has not updated my account since XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Pennymac Loan Services is violating my rights as a consumer under 15 USC XXXX ( b ) by reporting late payments to the CRA 's. I wrote them a good faith letter asking to please remove them and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I understand from discussing on the phone with a very helpful Nelnet representative that they were able to now begin the process to place me onto the correct plan as they have now 'received ' my XXXX Plan application as of XX/XX/year> and I thank them for this. However this does not address the actual complaint which is about the negative credit reporting which occurred on XX/XX/year> and which occurred as a result of this mistake and the misapplication of a " standard plan ' for the time period that Nelnet held the loans.

Company response to consumer: Closed with explanation