vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute multiple charge-off entries listed on my credit report. Below are the account details I am disputing : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XXXX XXXX Creditor Name : XXXX  Account XXXX Date of Charge-Off : XXXX XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XXXX XXXX I believe the charge-offs reported on these accounts are either inaccurate or incomplete. I have reviewed my records and found discrepancies with the reporting of these accounts. To assist in verifying the accuracy of these charge-offs, I have attached the following documentation for each account : I never received any 1099 cancellation of debt form for any balance wrote off after closing remarks a profit loss Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information that appears on my credit report. The FCRA Section 1681i mandates that credit bureaus investigate and respond to disputes within 30 days. If any of these charge-offs are determined to be inaccurate or incomplete, they must be removed or corrected from my credit report in accordance with FCRA Section 1681c-2.

I kindly request that you investigate the information regarding these charge-offs and correct any inaccuracies. If you need any further documentation or information, please contact me directly at [ Phone Number ] or [ Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the charge-offs have been properly investigated and, if found inaccurate, removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
My student loans were forgiven in XX/XX/XXXX as a result of public service loan forgiveness. I wrote to Mohela on XX/XX/XXXX that my loans still showed in my credit report as open with a full balance. For a period of time they were correct but have now, once again, reflect as open with a full balance. These accounts are paid in full and closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I filed a dispute with Venmo, in the amount of XXXX for item never received that I paid for. Venmo told me that their policy states the max wait time was 50 calendar days, including weekends. If at the 50 day mark they have not gotten a response from the merchant, Venmo would take the matter into their own hands and make a decision themselves on whether to accept the dispute and pay me back my money or decline to pay me back my money. I called Venmo on the 50th day, only to be told I'm sorry, the account specialist is still working on it, they are still waiting to hear back from the merchant. It has now been 57 days and I called minutes ago, and only to be told they still are waiting to hear back from merchant. This is very unprofessional of Venmo, it's deceptive trade practices, and I want a resolution to this matter immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 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: TX

Complaint narrative:
We did a dispute with XXXX XXXX  and Equifax to correct a delinquency in XXXX. XXXX XXXX  agreed that we were not late on the payments in XXXX. The account was closed when the home sold in XX/XX/XXXX. I just looked at my credit report and now it states that I was 60 days late in payment in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is attempting to collect payment on a loan that was fully refunded by the merchant, XXXX XXXX. Despite providing clear documentation that the items were returned and the full amount of {$1000.00} was refunded, Affirm has rejected my dispute without proper justification and continues to report a balance due. 

Details : On XX/XX/year>, I made a purchase from XXXX XXXX using Affirm as the financing method. The total was {$1000.00}, and the items purchased included a XXXXXXXX XXXX XXXX  and a XXXX  XXXX  Keyboard with Pen. 

On XX/XX/year>, I returned the items in-store to XXXX XXXX ( Store # XXXX in XXXXXXXX XXXX ) XXXX The return was processed in full, and the entire purchase amount of {$1000.00} was refunded to the original payment method ( XXXX ending in XXXX via XXXX XXXX ). I have attached the following documentation to confirm this : The original order receipt showing the total purchase and method of payment The return confirmation showing the date, location, and exact items returned A detailed return receipt from XXXX XXXX showing a full refund issued to the original card A screenshot showing that XXXX XXXX received the returned item and issued the refund Despite this clear evidence, Affirm denied my dispute, claiming there was insufficient evidence and is still trying to collect the balance on a loan that should no longer exist. They are now showing a past-due amount of {$67.00}, which is affecting my credit standing and ability to obtain future financing. 

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in requiring Affirm to : 1. Close the loan associated with this fully refunded purchase 2. Remove any outstanding balance and any negative reporting from my credit file 3. Re-review the documentation provided and cease all collection activity on this account Affirms refusal to acknowledge a full and valid refund is improper and harmful. I am providing all relevant documentation to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a series of unauthorized charges on my account, which I noticed on XX/XX/year>. The charges are listed as follows : XXXX. XXXX XXXX {$17.00} ( Pending ) XXXX. XXXX  {$17.00} ( Pending ) XXXX. XXXX  {$12.00} ( Pending ) Additionally, there were several declined charges that I did not authorize : XXXX. XXXX XXXX XXXX {$11.00} ( Declined ) XXXX. XXXX XXXX {$27.00} ( Declined ) XXXX. XXXX XXXX {$37.00} ( Declined ) I did not authorize any of these transactions, and I am concerned that my account information may have been compromised. I kindly request the CFPBs assistance in resolving this matter, ensuring that the unauthorized charges are reversed, and preventing any future fraudulent activity on my account. 

Please let me know if you need any additional information or documentation to support my claim. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Potential Violations of Consumer Rights Dear CFPB, I am writing to formally submit a complaint regarding inaccuracies in my credit report and potential violations of consumer protection laws that I believe affect my creditworthiness. 

XXXX XXXX XXXX   Personal Information - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Report Issues I obtained copies of my credit reports from the XXXX major credit bureaus : TransUnion, Equifax, and Experian, and I have identified several inaccuracies that I believe are the result of identity theft or errors. The details are as follows : XXXX. Inaccurate Account Information : - Account : XXXX XXXX XXXX - Balance : {$710.00} - Status : Opened without my authorization. 
- Account : XXXX XXXX - Balance : {$710.00} - Status : Incorrect and should be removed. 
- ( XXXX any other accounts similarly. ) # # # Summary of Credit Report Details 1. TransUnion - Date Opened : XX/XX/XXXX ( 2 years, 10 months ago ) - Balance : {$710.00} - Payment Status : Unknown - Report Date : XX/XX/XXXX XXXX. XXXX - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Late 120 Days - Report Date : XX/XX/XXXX XXXX. Experian - Date Opened : XX/XX/XXXX ( 2 years, 11 months ago ) - Balance : {$710.00} - Payment Status : Collection/Chargeoff - Report Date : XX/XX/XXXX # # # Potential Violations I believe the following laws may have been violated in my case : - The Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting and the lack of timely investigation. 
- The Fair Debt Collection Practices Act ( FDCPA ) regarding how debt collectors are managing accounts that I did not authorize.

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 2025-03-26 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX XXXXE on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$19000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-03-26 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: LA

Complaint narrative:
1. TransUnion - Balance : {$5300.00} - Credit Utilization : Unknown - Payment Status : Not specified - Last Report Date : XX/XX/year> XXXX. Equifax - Balance : {$5300.00} - Credit Utilization : Not specified - Payment Status : Late 30 Days - Update Date : Not provided XXXX. Experian - XXXX : {$5300.00} - Credit Utilization : Not specified - Payment Status : Late 30 Days - Last Report Date : XX/XX/year> Fair Credit Reporting Act ( FCRA ) : - Accuracy of Information : The FCRA requires credit reporting agencies to ensure that the information they report is accurate and complete. If your reports contain errors or if the late payments are inaccurately reported, this could be a violation of the FCRA. 
XXXX. Truth in Lending Act ( TILA ) : 3. Consumer Credit Protection Act ( CCPA ) : 4. Equal Credit Opportunity Act ( ECOA ) :

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 2025-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
After reviewing your account I was able to confirm that Chime is closing your account in regards to a dispute, for 'violation of terms agreement. ' In this case, that is the only information listed and for more details about this decision it would be necessary to connect with the disputes team. 

I did nothing wrong and had filed dispute for transactions unauthorized

Company response to consumer: Closed with explanation