vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I purchased 4 tires from XXXX using Affirms financing on XX/XX/year>. 

I decided I did not want the tires and cancelled before picking them up. 

XXXX processed this refund on XX/XX/year> and claimed 10 days to process.

All 4 tires were successfully refunded but the tire installation fee was not.

It is now XX/XX/year> and the installation fee is still not refunded regardless of who I talk to at XXXX or Affirm.

I have read stories online about people waiting over a year for refunds to be processed and I refuse for that to be me. 

XXXX is not who I think is holding the funds because the tires have all been refunded besides the tire installation fee. 

I have about {$86.00} dollars pending with Affirm from XXXX and they refuse to release my money. 

XXXX says they will back me in a dispute but Affirm wont open a dispute for me. Theyd rather I pay.

Affirm Loan : Name : XXXX XXXX XXXX ending : XXXX. 

Loan ID : XXXX ( XXXX XXXX , Affirm Partner Bank ) XXXX Order : Name : XXXX XXXX Order # : XXXX Card ending : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Someone opened a Capitol One Account in my name without my consent. Someone stole my personal information such as my address and my social security and proceeded to open up an account with my credentials with a false address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Earnest Inc.
State: IN

Complaint narrative:
20 years ago, I attended the XXXX XXXX XXXX as part of the XXXX XXXX XXXX program. I took out federal loans for part of it, which after paying for nearly 20 years on, were finally discharged as part of the Sweet settlement, first class. The remainder of my loans were in Private loans and I am still paying on those as there are no programs that I qualify for. We sold our house for the sole purpose of paying off the {$74000.00} that I still owe ( due to very high interest rates and deferments early on when we couldn't afford the payments ). We close on the sale of our house on XX/XX/XXXX and as a last ditch effort before we pay this off, I wanted to reach out and see if there was any hope you could offer of a way out instead of paying. We are not people that run away from our bills, but we have paid the original balance and much more by now and feel that we have more than done our part. I understand if there is no hope, but for our family 's future, it's worth asking a few more people at the last hour, before we throw $ XXXX down the toilet. 

Over the years, my wife has written to the President, the ombudsman, XXXX and XXXX trying to bring attention to the school and to the predatory nature of XXXX XXXX . At one point, we were paying over {$1500.00} a month for just the private student loan and over {$1200.00} of that was going straight to interest and not because of an interest only payment. It was the term of the loan with over 19 % interest rates at the time.

I appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I opened a Chase checking account in XXXX. After that I deposited a medical refund check for {$550.00} issued to me by my healthcare provider. Shortly after the deposit, Chase closed my account without providing a clear explanation. They stated they were unable to verify the check, but they have not told me what happened to the funds. 

Chase has not provided any documentation showing the disposition of the check funds, and they have not provided a clear explanation of why the account was closed. I have attempted to contact Chase customer service, but they can not tell me whether : The check was rejected and returned to the issuer, The check was accepted and later reversed, The funds are being held internally, or The funds were sent to the state as unclaimed property. 

I am the rightful owner of the funds from the medical refund. Chase has a legal obligation to tell me where my money went, and they have not done so. 

I am requesting the CFPBs assistance in obtaining a full explanation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One placed a 5-business-day hold on a check I deposited on XX/XX/year> ( said it will be available on XX/XX/year> ) even though the check was issued from Capital One itself. They only released {$100.00} from my {$590.00} check. This violates the Expedited Funds Availability Act ( 12 USC 40014010 ) and Regulation CC, including 12 CFR 229.10 ( c ) ( 1 ) requiring next-day availability for on-us checks, and 229.13 ( g ) requiring written notice of any exception. Capital One also held my XXXX and merchant refunds without cause. I am a federal contractor harmed by the shutdown with no back pay. I request immediate release of all funds, reimbursement of losses, and statutory damages under 12 USC 4010. Why would they do this to me? Why are they punishing me? This feels like abuse. They even have the wrong deposit date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I was let go from work for no reason i filed for unemployment and received it due to it was no reason i should of of been let go, so I applied for my credit protection plan to help me thru my difficult time, i received one payment for my cc and i was sent a letter saying i had to have my former employer fill out a questionnaire i explained they let me go because they were not nice people and they rather pay extra on unemployment tax than work out what ever the issue was bothering them so I submmitted my unemploment documents and copy of by last packe that was dd into my bank i dont know what more to do to get my coverage. i want to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Ive been a Chase customer for over 8 years and requested a courtesy waiver of interest and late fees due to a temporary hardship. Customer service and supervisors refused to escalate or review the request. Im asking for a manual review and reasonable resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
My auto lease account with XXXX XXXX XXXX ( account number ending in XXXX ) was repossessed in XX/XX/XXXX. However, the account stopped reporting to all three major credit bureaus Equifax as of XX/XX/XXXX. Since then, the account has not been updated to reflect the repossession, current balance owed, charge-off, or collection status. I initiated the lease in XX/XX/XXXX, and the vehicle was repossessed just over a year later. To date, I have not received any formal written notice from XXXX  XXXX XXXX regarding the repossession, any post-repo deficiency balance, or any statement of disposition of the vehicle, which is a requirement under certain state laws and may impact credit reporting accuracy under the Fair Credit Reporting Act ( FCRA ). I contacted both the credit bureaus and XXXX XXXX XXXX directly to request updated reporting and an accurate status of the account. I asked for : Confirmation of the repo date The outstanding balance or deficiency amount The current status of the account ( e.g., charged off, in collections ) The reason the tradeline stopped updating after XX/XX/XXXX This issue violates multiple sections of the FCRA : Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate and complete information. Under 15 U.S.C. 1681s-2 ( b ), upon receiving a dispute, they must investigate and correct any incomplete or inaccurate data. Under 15 U.S.C. 1681i, the credit bureaus must reinvestigate disputed information and update or delete any data that can not be verified. Because XXXX XXXX failed to provide any updates after XX/XX/XXXX, the tradeline is now inaccurate and incomplete. This misrepresentation harms my credit profile and violates the legal requirement to furnish accurate, complete, and updated information. As a result, I have suffered adverse credit decisions and limited access to credit. I respectfully request that the CFPB investigate this issue and require XXXX XXXX XXXX to : Properly update the tradeline to reflect the XX/XX/XXXX repossession Accurately report the current balance or deficiency amount, if applicable Indicate whether the account has been charged off, placed with collections, or sold Provide me with all required disclosures regarding the repossession and any subsequent financial obligations I am attaching copies of my recent credit reports and screenshots showing the reporting freeze since XX/XX/XXXX. I am also willing to provide further supporting documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TrueAccord Corp.
State: GA

Complaint narrative:
I am disputing an alleged XXXX XXXX XXXX XXXX debt that TrueAccord is attempting to collect and report. I requested proper FDCPA validation, including proof of ownership, an itemized statement of all charges, and documentation showing they have the legal right to collect this debt.

TrueAccord did not provide any validation. They only sent a generic XXXX XXXX XXXX bill, which is not sufficient verification under FDCPA 15 USC 1692g ( b ). A bill is not proof that the debt is valid, collectible, or that TrueAccord has authority to collect it. Despite failing to validate the debt, they continued collection activity and stated that the balance was verified.

Under FDCPA 1692g ( b ), a debt collector must cease collection and reporting until real validation is provided. That did not happen. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report or verify information it knows, or should know, is inaccurate or unverified.

TrueAccords actions violate FDCPA 1692g ( b ), FDCPA 807, and FCRA 623. I am requesting that the CFPB require TrueAccord to : Provide full, lawful validation, or Delete the collection and cease all reporting and collection activity.

The generic bill they provided is not validation, and they may not continue collection or reporting without proper proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I purchased garage door with my Citi credit card for {$3000.00} on XX/XX/XXXX. Citi offered XXXX XXXX so I applied for it. 
On XX/XX/XXXX, the {$3000.00} was posted on my account again and ( {$3000.00} ) credit was posted on the same day. 
On XX/XX/XXXX, XXXX balance, including the {$3000.00}, was fully drafted from my banking account. 
On XX/XX/XXXX, Citi started charge me monthly fee. 
On XX/XX/XXXX, I asked Citi customer representative to cancel XX/XX/XXXX and following monthly fees since the XXXX XXXX amount was fully paid on time and I got nothing from it.

Citi rejected my request. They said because I enrolled it so I have to pay the cost.

I don't think they are right. They didn't give me the credit I applied for but charge me fees for the credit. I request Citi refund me the fees posted and cancel future charges.

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and their third-party collection agency, Caine & Weiner , regarding deceptive and unfair settlement practices.

This complaint involves an {$82.00} balance that XXXX stated had been sold to Caine & Weiner. 

On XX/XX/year> and XX/XX/year>, I attempted to resolve the debt directly with XXXX, but XXXX informed me that I must negotiate exclusively with the collection agency. This left me unable to verify the debt terms with the original creditor.

When I contacted Caine & Weiner, we negotiated a settlement of {$49.00}. I requested written confirmation of the settlement terms before making payment, including how the account would be reported to the credit bureaus.

The Caine & Weiner representative refused to provide written documentation, stating : They only give verbal agreements They can not provide written confirmation before payment The written templates they use are only issued AFTER payment It would be considered lying to send the template before payment This is a deceptive and unfair practice that prevents me from confirming the accuracy of the settlement terms. Written validation of terms is required under the FDCPA, and no consumer should be forced to rely on verbal promises from a collector.

I am unable to make an informed financial decision because the company refuses to provide : Written confirmation of the settlement amount Written confirmation that the account will be closed Written confirmation of whether the account will be deleted or how it will be reported XXXX that the remaining balance will not be resold Proof the debt is valid and accurate Instead, they insist on payment first, then documentation after, which removes all consumer protection and leaves me vulnerable to incorrect reporting or further collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request to Remove and Block Inaccurate Personal Information To Whom It May Concern, I am submitting this formal written request under the Fair Credit Reporting Act ( FCRA ) to dispute and request the * * removal and blocking * * of personal information that is inaccurate, outdated, or unauthorized from my credit file maintained by your bureau.

I have identified several items in my personal information section that do not belong to me, and I am concerned that these inaccuracies may affect my credit standing and potentially indicate mixed or mistaken file information.

In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that these items be * * removed and blocked from reappearing * * on my report unless you receive verified documentation directly from the original data furnisher confirming their accuracy.

Correct and Verified Personal Information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have enclosed copies of my driver 's license and a current utility bill as proof of my identity and residence. 
Please Remove and Block the Following Incorrect or Unauthorized Items : Incorrect Addresses : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name Variations : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Phone Numbers : - XXXX XXXX XXXX XXXX These entries are not associated with my identity and should be permanently deleted from my records.

In the interest of maintaining accurate reporting, I request a thorough investigation to verify all personal data on file.

If these items can not be verified within the legally mandated timeframe of 30 days, they must be deleted and blocked from any future reinsertion.

Please confirm in writing once your investigation is complete and provide me with an updated copy of my credit file showing the corrected information.

Thank you for your attention and assistance in ensuring my credit profile reflects only accurate and verifiable information. 
Sincerely, 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