vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports with Experian, Equifax, and TransUnion contain multiple inaccurate addresses, improper inquiries, and misreported account information that violate several provisions of the Fair Credit Reporting Act ( FCRA ). Despite my repeated disputes directly with the bureaus, the errors remain uncorrected. 

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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: MD

Complaint narrative:
XXXX forwarded my account to EdFinancial a few years ago. XXXX to XXXX, my account was in forbearance. Recently, I was told by them that I can get my bill lowered from {$110.00} per month to {$62.00} per month but I had to fill out forms for Income-Based consideration along with my proof of income. I have Social Security income, so I sent that along with copies of IDs. I did this at the end of 2024, then a few months later after they claimed they didn't receive some part of it. Earlier this year another XXXX of their reps had me resend those papers again via fax which cost me {$12.00} from the library. I got no new lowered bill. When I called, once again I was told they didn't get some part of it which isn't true. 
A month ago, I re-sent the form ( application ) with my proof of income get again with all the proper documents by mail. Today XXXX, the rep XXXX told me she doesn't see it entered in my account like she didn't receive it AGAIN and they sent me another bill saying I'm late, I owe {$110.00} per month. Then she said I have to reapply online and she will walk me through. She did not end up doing it saying some part of the system is down and to call back another day. This is ludicrous! Notes on my account will reflect my calls and interactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I placed an affirm order with XXXX on XX/XX/XXXX for {$140.00}. This was a combined total from multiple vendors/ shops. 

XXXX shop I purchased XXXX pairs of jeans and they provided a tracking number that shows the package was delivered on XX/XX/XXXX at my mailbox. I received a XXXX message from the seller the same day, thanking me for my purchase and asked me to reach out to rate the purchase. 

On XX/XX/XXXX, I let them know that I hadnt received the package to which I was told it was delivered on the XXXX. ( Different from what it shows me ) I selected refund stating I didnt receive the package and asked for my money to be returned. Received a response rather quickly that I should check with my neighbors first and get back to them. 

XX/XX/XXXX, I told the shop no one has my package and it is surely missing. 

XX/XX/XXXX, the shop asked for me to confirm my address and said my package was likely stolen. 

XX/XX/XXXX, I provided my address. Same day they responded and stated they would love to send me a replacement but couldnt help me with a refund or replacement until I canceled my refund through XXXX. 

XX/XX/XXXX, I got a XXXX message that they sent a new shipment. Which I NEVER asked for - I asked for a refund. 

XX/XX/XXXX, received a message that they hoped I would love my items and leave a review. 

XX/XX/XXXX, I returned from vacation to a package from the company that showed mailed out on the XXXX. 

I never opened the package, i immediately requested to mail the items back for a refund because at this point - I no longer wanted the product. The shop advised that I was past the 30 day window to return - but how could that be? The items werent even delivered until a few days prior to my last request of returning items and requesting this refund. 

I filed a dispute with Affirm after the shop refused to help. Affirm continues to go in their favor, which makes ZERO sense due to the timeline, tracking receipts and shipping labels. 

This feels very scandalous and like I am being stollen from. 

The product sits in the package it was delivered in - ready to return for my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am disputing the accuracy of the XXXX XXXX tradeline that Experian is reporting. The account information is incorrect and does not match the true balance or status. 

The Experian report dated XX/XX/XXXX shows the following for XXXX Bank : Balance : {$1200.00} Status : Charged off / {$1200.00} written off / {$1200.00} past due Status date : XX/XX/XXXX This information is inaccurate. 

I contacted Experian and disputed the XXXX XXXX account because the balance and past-due amount being reported are not correct. Experian forwarded the dispute to XXXX XXXX, but XXXX XXXX verified the inaccurate information without providing any documentation or proof of accuracy. 

I also requested verification from the company directly, but they did not provide the information I requested. Under the Fair Credit Reporting Act ( FCRA ), a furnisher must conduct a reasonable investigation and must be able to verify the accuracy of the reporting. XXXX XXXX has not done so. 

Because XXXX XXXX failed to provide verification and continues to report inaccurate information, the tradeline is harming my credit and violating FCRA 623. 

I am requesting the CFPBs assistance because I have attempted to resolve this through Experian and directly with the company, but the inaccurate reporting remains.

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 2025-12-02 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-02 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: CA

Complaint narrative:
Subject : Chase Bank Wrongfully Withholding My Funds and Mishandling Fraud Request for Return of Funds and XXXX XXXX : JPMorgan Chase Issue : Fraud / Account Closure / Failure to Return Consumer Funds Amount Withheld : {$900.00} ( my personal funds ) Account Status : Closed by Chase on or around XX/XX/XXXX My Name : XXXX XXXX Account number : XXXX I am filing this complaint because JPMorgan Chase is wrongfully withholding {$900.00} of my personal funds following a fraud incident involving my lost debit card. Chase has mishandled the situation, failed to process a proper fraud claim, closed my account without documentation, and continues to withhold my money without justification. 

I lost my debit card, which unfortunately had the PIN written on the back. An unauthorized individual used my card information to attempt fraud by trying to deposit a {$17000.00} check with my personal details written on it. 
I want to be clear : I did not deposit this check I did not authorize any such transaction I never touched or withdrew any funds related to this attempted fraud I contacted Chase multiple times and requested to file a fraud claim, but I was transferred repeatedly and told no one could assist me. Chase closed my account and only sent a final balance statement no account-closure letter, no fraud documentation, nothing explaining the decision. 

I was originally told that my remaining balance of {$900.00} would be mailed to me within XXXX business days. 
However, when I called for an update on XX/XX/year>, I was told : My funds would not be released The delay was due to an open investigation involving the fraudulent check I would need to wait indefinitely until the check issuers bank finished its review Chase could not provide a timeline or any written explanation The fraudulent {$17000.00} check has nothing to do with my personal funds. There is no legal basis for Chase to hold my {$900.00}. I have been left without access to my own money, with no updates, documentation, or proper handling of my fraud report. 

This has caused me significant inconvenience, stress, and loss of time. I have spent hours on calls trying to resolve an issue that resulted from Chases failure to assist me properly from the start. 

What I Am Requesting I am asking the CFPB to help with the following : XXXX. Immediate return of my {$900.00}. 
XXXX. Proper processing of the fraud claim and documentation clearing me of the unauthorized activity. 
XXXX. A written explanation for the account closure and withholding of my funds. 
XXXX. Reasonable compensation for the substantial inconvenience, stress, and time lost due to Chases mishandling of this situation and failure to follow required fraud procedures. 


Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer.

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 2025-12-02 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: VA

Complaint narrative:
I am submitting this follow-up regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion related to late payment reporting that does not correspond with my verified financial records. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, opened XX/XX/XXXX with a balance of {$1500.00} and last payment XX/XX/XXXX, is incorrectly reported with a 30-day late entry, despite my on-time payment confirmed by bank records. Similarly, my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX with a {$0.00} balance and last payment XX/XX/XXXX, is inaccurately reported with late activity, although all payments were timely. Additionally, my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account, opened XX/XX/XXXX with a balance of {$2300.00} and last payment XX/XX/XXXX, and my XXXXXXXX XXXX XXXX account, opened XX/XX/XXXX with a balance of {$3100.00} and last payment XX/XX/XXXX, are both reporting late payments inconsistent with my verified records. These inaccuracies violate FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 2 ), and 623 ( a ) ( 1 ) ( A ) / ( a ) ( 2 ), as furnishers and credit reporting agencies are required to maintain maximum possible accuracy, thoroughly reinvestigate disputed items, and correct any inaccurate information. The continued misreporting of these accounts misrepresents my creditworthiness and may adversely affect my ability to access credit or financial services. I dispute all inaccurate, unverifiable, and misleading entries and request immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-02 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: TX

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies across my credit reports with Experian, Equifax, and TransUnion, including multiple conflicting and outdated reports. My XXXX account ending in XXXX continues to show inconsistent XXXX late payments : TransUnion reports XX/XX/XXXX with a date opened of XX/XX/XXXX, Equifax reports XX/XX/XXXX with a date opened of XX/XX/XXXX, and Experian reports XX/XX/XXXX with a date opened of XX/XX/XXXX, while all reports show balances of {$8400.00} and last payments between XX/XX/XXXX and XX/XX/XXXX. These errors violate FCRA 611, 623 ( a ) ( 2 ) and 623 ( b ), and 15 U.S.C. 1666/1666a, and continue despite my prior disputes. In addition, other previously reported errors across all three bureaus including late-closed or obsolete accounts ( XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ), inaccurate charge-offs ( XXXX, XXXX, Arkansas XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX Co ) XXXX and unauthorized XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, EQUIFAX XXXX ) remain uncorrected . These persistent inaccuracies have materially misrepresented my financial obligations, lowered my credit score, and harmed my ability to access credit, loans, and housing. I dispute all inaccurate, unverifiable, and misleading information and request immediate reinvestigation, correction, or deletion of all items as required by law.

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 2025-12-02 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:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX I sent an email to One Main Financial inquring on the amount of payments i made towards my loan and that the interest amount i have paid so far exceeds the loan agreemnent. My agreement says the interest amount to be paid back is {$10000.00} but I have paid back so far {$11000.00} and I am still paying interest because there is still a balance left on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VW Credit
State: CA

Complaint narrative:
I am submitting a complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) after I filed an identity theft dispute. 

On XX/XX/XXXX, I submitted an identity theft dispute through XXXX online portal. During the dispute, I uploaded : My FTC Identity Theft Report My police report As well as selecting all fraudulent accounts with that dispute. 

XXXX  stated that they received and began processing my dispute on XX/XX/XXXX. 
Under FCRA 605B, once a consumer submits an FTC identity theft report and police report, the credit bureau is required to block all identity-theft-related information within 4 business days, unless the furnisher provides actual documentation proving the account belongs to the consumer.

Instead of blocking the fraudulent accounts, XXXX  improperly left XXXX accounts on my credit file Volkswagen Credit , Inc. and XXXX. 

On XX/XX/XXXX I spoke to an agent named XXXX XXXX and then a supervisor named XXXX from XXXX They stated the account was verified although they had NOT received any verifying documentation. Now the Volkswagen Credit account and XXXX account was marked as verified. 
However, when I contacted XXXX  I was told that Volkswagen Credit did not provide any documentation at all. 
Therefore, XXXX verified an identity-theft account without documentation, which is a direct violation of the FCRA. 

These actions violate the following laws : FCRA 605B failure to block identity-theft information within the required timeline FCRA 611 failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 8 ) furnisher failed to provide documentation to support verification FCRA 609 ( e ) my right to obtain application records for any fraudulent account I also want to note that XXXX  deleted some other items from the same identity-theft dispute but refused to delete the Volkswagen Credit and XXXX accounts , even though all documentation was submitted together. This inconsistent behavior demonstrates that XXXX did not follow proper identity-theft blocking procedures or conduct a lawful reinvestigation. 

I am requesting that the CFPB require XXXX to : 1. Immediately block and delete the fraudulent Volkswagen Credit and XXXX accounts under FCRA 605B 2. Provide me with copies of any documentation allegedly used to verify the Volkswagen Credit account ( if any exists ) 3. Correct all inaccurate and incomplete information 4. Provide a written explanation of the investigation and actions taken XXXX refusal to block identity-theft information has caused harm to my credit, created emotional distress, and violated federal consumer protection laws. I am requesting full enforcement of my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened up pre paid credit card account With capital one bank XX/XX/XXXX with {$500.00} limit deposit prepaid bank close my account without any reason and XXXX returned my {$500.00} to me. Also they close my saving and XXXX checking account without any reason they close my account. XX/XX/XXXX I never receive my prepaid {$500.00} deposit.

Company response to consumer: Closed with explanation