vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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:
I have no association with these accounts and request their removal within 15 days under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, my PayPal account was compromised and two unauthorized transactions were made without my consent. The transactions were for {$490.00} and {$240.00}, totaling {$740.00}, to XXXX XXXX XXXX XXXX. 

I did not authorize these transactions. At the time they occurred, I was physically at work and unable to access my PayPal account. I have video surveillance evidence confirming this. Additionally, the shipping address associated with the purchases does not belong to me, and I never received any goods. 

PayPal initially opened a claim on my behalf but later closed the case incorrectly, stating that the transactions were authorized. I contacted PayPal and requested a review and explanation, but PayPal failed to provide any evidence supporting their decision. 

I am requesting a full refund of {$740.00} and correction of this error due to unauthorized account access and improper claim handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
Please go through this record ; it seems potentially wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I am submitting this complaint regarding Affirms handling of my Buy Now, Pay Later loan for services that were never rendered by the merchant, XXXX XXXX XXXX. 
On or around XXXX used Affirm financing for a purchase totaling approximately {$250.00} for music-related services. The merchant never provided the services and no work product was ever delivered. 
I attempted to resolve this directly with the merchant without success. I then filed a dispute with Affirm explaining that the services were never rendered. Affirm reviewed the dispute, re-opened it, and ultimately denied it. 
Affirm denied the dispute solely based on the merchants non-refundable terms of service, even though the issue was non-delivery of services, not dissatisfaction with completed work. Affirm also stated they could not validate whether the merchant was operating within their own policy, yet still denied the dispute. 
I am now being required to continue making payments on a loan tied to services that were never provided and have been warned of potential credit reporting and collections if I do not pay. 
I am submitting this complaint because I believe Affirms dispute handling was unreasonable and relied on merchant terms rather than the factual non-delivery of services. I am requesting that this matter be reviewed for fair dispute handling and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX I paid off the loan in full in XX/XX/XXXXXXXX XXXX However, XXXX is still reporting an incorrect balance of {$32000.00} to all three credit bureaus ( Equifax, XXXX XXXX XXXX  ) as of XX/XX/XXXX XXXX 
The correct balance is {$0.00}. The account should be reported as " Paid in Full / Closed '' with a XXXX balance. 
This inaccurate information is negatively affecting my credit report and I need it corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo somebody tried to deposit or cash check in my account a while back when I opened account

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 2025-12-24 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 am not responsible for these accounts and request removal within 15 days in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-24 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-24 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: FL

Complaint narrative:
My name is XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-12-24 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
During this month, I made three payments in good faith. On XX/XX/year>, I made a payment of {$100.00} plus applicable fees. On XX/XX/year>, I made two separate payments of {$200.00} and {$250.00} after being told by a company representative that my account was in repossession status. 

After making these payments, I was informed that I would still be required to make an additional {$50.00} payment by the end of this month in order to be placed back on a payment arrangement to address my past-due amount. 

After filing this CFPB complaint, my online account remained accessible ; however, my payment arrangement information and payment history were no longer visible in the portal. This prevented me from verifying the terms of the payment arrangement, confirming my payment history, and confirming the due date for the additional {$50.00} payment. 

I attempted to comply with the payment arrangement but was unable to verify the required payment details due to the removal of this information. I am documenting this to ensure my payments are properly credited, my payment arrangement is honored, and no unfair penalties or adverse actions occur while this dispute is under review.

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 2025-12-24 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: AZ

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
I have no ties to these accounts and request they be removed within 15 days according to the Fair Credit Reporting Act.

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 2025-12-24 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOPROVABLE LATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
XXXX {$2600.00} loan i paid back twice plus XXXX {$120.00} payments then they lied made a fake loan to collect more money when they deleted payment history from XXXX to XXXX then XXXX i was XXXX XXXX  i filed for discharge 1 month before approval they denined it refile many more times then they lied and started garnishment another couple grand taken from ssdi setting me back years cant even get XXXX XXXX from them taking ssdi benefits for a scam they had going on that i tried effortly to be dismissed they just lied im trying to get the money they had no reason to take and i dont understand how XXXX  they are harming me the way they did how much haterd they make me have against them not only that the lie to damage my credit score with there lies the most uglyest government in the world ruined everything XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX damage they caused me its worse then the fXXXX XXXX XXXX XXXXhe same amount XXXX without dedudctions even with {$750.00} for rent {$65.00} allowable deductions is 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: Untimely response
Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-24 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: SC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
My application has now remained in this final review stage for approximately two months with no estimated timeframe for completion. During this period, I have submitted multiple Feedback cases through Federal Student Aid seeking clarification and assistance. These cases were all closed with automated responses directing me only to check my status online, without providing any substantive explanation, timeline, or resolution.

I have also followed the instructions provided by the Federal Student Aid Ombudsmans automated system. Despite doing so, my concerns about the prolonged delay and lack of transparency remain unresolved.

I am not disputing eligibility or requesting a change in the substantive determination of my application. I am seeking assistance with administrative processing delays, lack of meaningful communication, and the absence of a clear timeframe for completion after approval stages have been passed.

I respectfully request that this complaint be reviewed to help facilitate transparency, accountability, and completion of the final administrative steps of my TPD discharge.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-24 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: KY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX withdrew {$900.00} from My checking account on XX/XX/XXXX. I notified my bank, Bank of America that I believe that my account had been compromised. They closed my debit card and requested a new card to be mailed to me. I asked if I could get a temporary deposit so that I could pay my bills, they said they would put in a request. I reached out to XXXX on XXXX  and they reversed the charge due to their error and I was told the funds would be in my account in XXXX hrs. It is now the XXXX of XXXX and BOA is still holding my refund with no explanation. I need that money to buy oil for my home, I am a single parent with XXXX income and I have not had heat in my home for 3 days.

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 monetary relief