vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year>, I used Affirm to finance a program sold through XXXX called " XXXX XXXX XXXX. '' The program was advertised as a comprehensive coaching and training package that included high-level mentorship, live XXXX  calls, detailed content, and actionable steps for launching a fitness business. After enrolling, I received very limited access to the advertised material. There was no live support, no mentorship, and the portal content was mostly recycled or inaccessible. 

Within the first few days, I contacted both XXXX and Affirm to report that I had not received what I paid for. I attempted to resolve the issue by emailing and requesting a refund but received no help. XXXX did not provide any proof that the promised services were delivered. Affirm later denied my dispute claim, stating that the service was delivered and that I had expressed satisfaction, which is false. They never showed any evidence supporting this claim and ignored my communication showing dissatisfaction. 

There are multiple public complaints and reviews from other customers who have also claimed to be scammed by the same program under the same tacticsbait-and-switch and fake testimonials. This appears to be part of a pattern of deceptive business practices. 

I am asking the CFPB to investigate this matter further. I should not be responsible for paying a loan tied to fraudulent or undelivered services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am submitting this complaint because Equifax failed to correct inaccurate and conflicting information regarding a collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite a formal dispute. 
I disputed this account through Equifax and received a response stating that the information meets FCRA requirements, but this is incorrect. The information reported by XXXX is not consistent across all three reports : - XXXX XXXX XXXX  report the account under collections. 
- Equifax lists the account under closed accounts, but still shows it as a collection inside the account details. 
Key data like reporting status, payment history, and account structure are inconsistent across all three reports. 
Under the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ), credit bureaus are responsible for ensuring the information they report is accurate and must reinvestigate disputes with a reasonable standard of verification. The contradictory and unverifiable reporting violates these obligations. 
I request the deletion of this account from my Equifax credit report, as they have failed to correct or verify the data, despite being provided clear discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : 1.Aldous and Associates XX/XX/scrub>XXXX  After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Central Research Inc
State: LA

Complaint narrative:
Hello, I've noticed XXXX loans on my credit report that are not mines. I also noticed a cell phone collection that isn't mines. Also some inquiries that aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-12 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Credence Resource Management , LLC for reporting a false and inflated debt of {$220.00} to the credit bureaus for an XXXX XXXX XXXX account that was already disconnected. 

After I properly terminated service with XXXX XXXX XXXX, this company continued to add charges to my account without my authorization or use of service. This balance is not only incorrect but includes unauthorized charges that I did not incur, and therefore, I dispute ownership of this debt in full. 

Under 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ), data furnishers are legally required to report only accurate and complete information to consumer reporting agencies. Reporting a balance that contains unauthorized post-disconnection charges is a clear violation of this statute.

I demand that Credence Resource Management : 1. Immediately remove this account from all consumer credit reports ( XXXX XXXX XXXX XXXX ), 2. Cease all collection activity, and 3. Provide complete validation of the debt, including a breakdown of charges and written proof I legally owe this amount.

Failure to comply will result in additional complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for violations of consumer protection laws and damages related to credit harm. 

This is a formal demand for resolution and removal. I expect this to be handled immediately and professionally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed on my Experian account XX/XX/year> that a company by the name of DEPT OF ED/XXXX  have reported multiple account saying that i owe themsomeone is using my personal information for unauthorized purposes and saying i owe them. I have listed the reports that have been filed : FTC : XXXX Identify theft.give : XXXX Acct # XXXX Please note i was u able to determine the legal of the the company

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Vehicle Repossession Request for Removal from Credit Reports To whom it may concern, I am filing this complaint because XXXX XXXX XXXX has reported a vehicle repossession to the credit bureaus that I believe is inaccurate, unverifiable, or improperly handled. 

Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Account Type : Auto Loan I never received a valid legal notice or warning about this repossession. I was not provided with documentation or due process, and I believe the repossession may have been voluntary, resolved, or improperly processed. 

I am respectfully requesting that this item be investigated immediately, and removed from all credit bureaus ( XXXX XXXX, and TransUnion ) if XXXX can not provide full documentation proving : That the repossession was legal and valid That proper notices were given That the reporting complies with the Fair Credit Reporting Act ( FCRA ) This inaccurate information is negatively affecting my credit standing, and I ask the Consumer Financial Protection Bureau to ensure the creditor and credit bureaus address this dispute seriously and fairly. 

Please notify me of the outcome of the investigation. I am willing to provide any additional documents upon request. 

Sincerely,

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 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I got a letter from a debt collection agency stating that I owe XXXX almost {$700.00} for an unpaid bill from XXXX. 

On XX/XX/XXXX I called this agency and the representative refused to tell me what the debt was supposedly for. She said she would send an itemized receipt, but I have yet to receive anything. 

I called XXXX, because I did have them before switching to XXXX. But they could not find any debt or unpaid bills, either. 

I disputed the information on my credit report, but they refused to remove it. To this day I have not yet been informed what the debt is supposedly for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-12 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: NY

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft and have submitted an FTC Identity Theft Report ( Report # XXXX ). Despite providing this report to the credit bureaus along with proof of my identity and address, the fraudulent accounts still have not been removed from my credit reports. 

The following accounts were fraudulently opened without my knowledge or consent and are currently causing harm to my credit : XXXXXXXX XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$6800.00} XXXX XXXX  XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$440.00} XXXX XXXX XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$290.00} XXXX XXXX XXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$600.00} I have formally requested that the credit bureaus block these accounts in accordance with XXXX U.S.C. XXXX, which requires them to do so within XXXX business days upon receiving documentation. However, they have failed to comply. 

This situation is severely impacting my financial stability, delaying important life steps, and causing emotional distress. I am requesting that the CFPB take action to ensure the credit reporting agencies fulfill their legal obligations and permanently remove these accounts from my file.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had two credit card accounts with Capital one. I also have both a checking and savings with this bank. I have never missed a payment or had any late payments. I've been a customer for over ten years in good standing. On one of my credit card I had my son as an account manager where he had access to the card. I was not aware that he had a couple of returned payments, not missed or late payments but returned. I was never notified that my account was in jeopardy or to even address this payment issue or remove this person from my account. I went into my account for online banking and found out my accounts were closed to almost a month without my knowledge. I never received anything from Capital one. I called and spoke to a representative, I wrote a very detailed note and sent it out a few days later and then finally after five weeks of these accounts closing I received a letter stating my accounts were closed. I have been a very good customer for many years with this company. I think I am being targeted because my accounts are so old and now they would like to charge new customers at a higher rate. This is very unfair to someone that has been struggling to keep and try to increase my credit scores. I do not miss my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: PA

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 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