vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I financed a XXXX XXXX  through Affirm. The product broke on the second day of use. I followed the merchants required protocol, but XXXX refused to accept a return for a clearly defective product. Affirm continues to side with the merchant despite the product being non-functional almost immediately. 
This violates consumer protections regarding defective goods and financing obligations tied to merchant fulfillment. 
Borrower XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Creditor Affirm Loan Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Number of Payments 3 Amounts of Payments 1 through 2 {$54.00} * Amount of Payment 3 {$54.00} * Due Biweekly Starting XX/XX/25 * Annual Percentage Rate- The cost of your credit as a yearly rate 0.00 % APR Finance Charge - The dollar amount the credit will cost you {$0.00} * Amount Financed- The amount of credit provided on your behalf {$160.00} * Total of Payments - The amount you will have paid when you have made all scheduled payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I filed a fraud claim with my chase bank in XXXX of 2025. They put the money back in my account and said if there was nothing found by XXXX the funds would stay. Now XX/XX/XXXX I get a letter from my bank saying they did more investigation and they are removing XXXX from my account. I would have never made the claim if I authorized the payments. My XXXX XXXX account was hacked. Of course they have all the correct info that makes it look legit. Chase refused to do anything. So I closed my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Hyuandi is refusing to change my name on my account. My name was changed legally, and they are stating I need to have a last name. I don't have a last name, only a mono name. My Social Security number and driver 's license, and birth certificate. They are breaking my legal rights to have one name. They are refusing to uphold the judge 's order i want them to have my new name placed on my account. i will seek legal action and take them to court for not upholding a judge 's order.

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 2025-12-26 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-26 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: FL

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. XXXX  filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
XXXX separate charges on XX/XX/XXXX : {$650.00} & {$620.00}. XXXX purchase shows digital download, same day delivery ; XXXX shows one delivered XX/XX/XXXX & XXXX delivered XX/XX/XXXX to XXXX different addresses. 

I have been disputing this for almost a year now and Goldman Sachs keep charging it back to me. They are not really researching it or theyd find the same info I have found. They had declined XXXX more charges of {$730.00} on the same day but let these XXXX go through. 

Had to research everything myself- went to XXXX and got proof of deliveries which showed packages delivered to XXXX different addresses, neither of them mine. Theyre supposed to be the same item yet one is in a box and one is in a garbage bag? The shippers werent even XXXX! XXXX was XXXX XXXX  and XXXX was XXXX XXXX. XXXX XXXX doesnt even use XXXX XXXX Items on XXXX said they were digital, same day deliveries ( not packages, XXXX of which was delivered over a month later? ). Also called XXXX who verified nothing was purchased through my XXXX account ; no activity for months surrounding those dates and nothing for those amounts. 

Sent a certified letter with all my proof on XX/XX/XXXX to Goldman Sachs and never heard a word from them. I call almost every month to dispute the charges, and then a few weeks later they recharge them back to me. I believe what I have is definitive proof that I did not make, or receive, these purchases. Its unbelievable to me how much time and effort this has taken and no one can see the truth? Obviously the thieves made up a fraudulent item # & description and found XXXX shipments going to my hometown, though they had to wait a month for the XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Name : [ bank of america ] Account Number ( if available ) : [ Insert number ] Date Listed : [ XXXX ] Reason for Dispute : This account does not belong to me, I was a victim of identity theft.

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 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Universal Account Servicing, LLC
State: OH

Complaint narrative:
I financed an XXXX XXXX XXXX membership through Universal Account Servicing , LLC as part of a high-pressure sales process. The underlying service was misrepresented and failed to meet clearly stated preferences, resulting in a dispute. Despite raising concerns directly with the merchant and filing a XXXX  complaint, I was required to continue making installment payments on the financed amount. Universal continued to service the loan without providing meaningful dispute resolution or relief, even though the service tied to the financing did not match what was represented at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am a real estate agent. When I cash the check. The bank teller put {$10000.00} in savings and then {$4000.00} in my business checking. They will not give it back. They've cashed it I've verified with my title company that they cashed this money but they're doing everything they possibly can even though we've escalated it with Chase Bank to the highest part of Chase Bank to resolve issues. XXXX different times. Chase Bank will not issue my money back or cut me a check. It's totally fraudulent what they're doing. I've had a bank account with Chase Bank for over XXXX  years. A business account. I did a deal and I cashed a {$14000.00} check with Chase Bank. XXXX months later when I went to go back to use the funds since it was in the business account. They won't give it back to me because they said they can not verify the title company that issued the check even though I've worked with this title company for years. The title company recently moved from XXXX XXXXXXXX XXXX to XXXX XXXX and for some reason Chase Bank won't verify them moving to XXXX XXXX But Chase Bank cashed my check and they've had the funds for over XXXX months and will not give me my money back. They closed my account without my approval. Every time I go and talk to a branch manager or somebody at Chase Bank whether it's in XXXX XXXXXXXX XXXX or XXXX XXXX XXXX  or XXXX XXXX. They all escalated with Chase Bank but Chase Bank will not issue my money back. My money is legitimate money and I have documents showing that it's legitimate money on a deal that is legitimate. Chase Bank will absolutely not give me my money back. They're holding on to it and they're probably getting interest on it right now. It seems very fraudulent what they're doing. I talked to a branch manager and she told me to contact you guys to escalate this to the federal government. Because if they're doing it to me they're doing it to multiple people. If something happened to me then they just keep that money but I've had to work very hard to try to get my money back. To no avail. It's been ridiculous. I need my money immediately. XXXX this year will sucked because they have all my money. I thought that they cashed it and it was just sitting in my account for XXXX months and it was not. They cashed it but they kept it. We've escalated it with the actual bank XXXX times and it's the same outcome where they will not give me the money because they said they can't verify the title company even though the title company is verifiably the correct title company. Please have somebody contact me or help me because a lawyer is my next step but you guys are the ones that can help please please please please please. {$14000.00} is not a small amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: VT

Complaint narrative:
I have submitted to Experian several times via their online portal evidence of my legal name change from XXXX XXXX XXXX to XXXX XXXX XXXX. I submitted a digital copy of my adult name change decree, a copy of my driving license, and I believe a copy of my social security card. 

I have been trying for almost two years to get Experian to update my credit profile, and they will not cooperate. They also have never acknowledged my submissions to rectify this. Because of this issue, my credit report isnt reflecting over two years worth of credit history and my credit score as reported by Experian is significantly lower than as reported by XXXX  and XXXX, who both have updated my credit profile. This is a major inconvenience and is hurting me financially.

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 2025-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not tied to these accounts and didnt okay their creation. Please investigate and delete them. Documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: CA

Complaint narrative:
By XX/XX/year>, The school XXXX ceased operations and is closing immediately. 
I still have a loan to pay with climb credit. Climb credit told me that XXXX has to send them an email to close my account. I am unable to get a hold of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I do not claim any connection to these accounts ; they must be removed within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NJ

Complaint narrative:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this final and formal request demanding the immediate removal of all fraudulent, inaccurate, unauthorized, and harmful accounts, inquiries, and public records from my credit file. These items are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally required to block and delete any information that is fraudulent, unverified, or can not be substantiated within four ( 4 ) business days of receiving my supporting documentation. Any delay, failure to investigate, or continued reporting of this incorrect information will be considered willful noncompliance with federal law. I will pursue all remedies available under FCRA 616 and 617, including statutory, actual, and punitive damages. This serves as your final noticedelete all fraudulent and inaccurate data immediately or face further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection with the illegal reinsertion of a previously deleted account. 

The account in question is reported by XXXX XXXX XXXX and appears on my Experian credit report. This account was previously deleted following an earlier dispute. Experian later reinserted the account without providing me any written notice.

Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency may not reinsert a deleted item unless the furnisher certifies that the information is accurate and complete, and the agency provides the consumer with written notice of the reinsertion within five ( 5 ) business days, including the name, address, and telephone number of the furnisher. 

Experian did not provide me with any written notice of reinsertion, nor did it provide documentation showing that XXXX XXXX XXXX certified the accuracy and completeness of the account prior to reinsertion. This constitutes a clear violation of the FCRA. 

I have contacted Experian directly to dispute this illegal reinsertion and requested permanent deletion and proof of certification. As of this complaint, Experian has failed to correct the violation.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I was denied opening an account with XXXX  own bank because of inquiries i didn't authorize which cause the denial

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was traveling with my XXXX young children and my wife in remote XXXX XXXX. While there, I used my credit card for rental purposes. Capital One accepted the transaction, texted me and I verified the transaction. Days later when returning the rental, there were outstanding fees that I tried to use the card for which it was rejected. When I called Capital One, they said that the card was restricted and I needed to submit proof of ID. After about an hour on the phone we were able to confirm the reciept of my ID submission and I was told that the restriction was lifted. I tried the transaction again and it was still restricted. This time, Capital One stated that I needed to submit proof of residence ( bank statement or utility bill ) - all of which were thousands of miles away at home in XXXX. I was eventually able to get to a place with Wifi and submit my bank statement. I spent another hour on the phone with Capital One who said that they could not immediately lift restrictions. I explained that I was stuck in XXXX XXXX with XXXX young children and my wife without a way to pay for food, water, shelter, or transportation. They repeated to me several times that it would take up to 10 days to resolve. I told them that I could be dead in 10 days in XXXX XXXX without necessities. I requested emergent/urgent escalation and I was given no further options. I spoke to two employees on the phone who both then escalated to their managers. The managers would not escalate any further. I was stuck. It took me 3 days to get out of the remote town and get home to the states with a lot of effort. This experience was unsafe, negligent, and totally unacceptable. I was scared. Capital One needs to be held responsible for their unsafe business practices. Capital One needs to rectify by putting in place systems that can handle unsafe situations instead of hiding behind current practice policies. I needed help. my XXXX, XXXX, XXXX, and XXXX XXXX XXXX children needed help. In the end, the XXXX host allowed us to stay in the home an extra 3 days but with promise to pay upon return to the states. I kept the rental car till we could leave the town 3 more days. We flew home to the states on XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation