vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I used Afirm to pay for an order I made on XXXX. I ordered various items, that were shipped in various packages ( XXXX packages total ). However, XXXX of those packages were lost in transit ( it was actually XXXX that were lost, but I found XXXX of them at a neighbors house ). I contacted XXXX regarding the lost packages, and they agreed, in email, to refund me for XXXX of them, but did not acknowledge my issue with the second lost package. XXXX lost package contained {$130.00} worth of items ; the other {$99.00}. Then, after receiving XXXX item I decided to return it ; the item said return eligible through XX/XX/year>, on my XXXX account ; but when I contacted them to make the return, they told me I could not return it. They refused to tell me why I couldnt return it, just that it could not be returned. I made a dispute regarding these issues with Afirm and it was denied. So I called them, they said I needed to open another dispute, so I did, THAT WAS DENIED. I requested proof of delivery MULTIPLE TIMES, I was given XXXX tracking number, which showed a package was delivered somewhere in my town, to someone named XXXX but it doesnt tell me where it was delivered, and I dont know if a XXXX that XXXX near me. Additionally, they didnt address the fact that XXXX refused to allow me to return a return eligible item, or that I was promised a refund for XXXX of the lost packages. They just keep denying my dispute with absolutely no evidence to support a denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
I am formally disputing the late payment noted on my account. This reporting contradicts my verifiable payment history, which confirms timely payments without exception.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
CEDARS BUSINESS SERVICES is reporting a collection account with an open balance of {$760.00}. This account is being reported in a way that is misleading and incomplete because it does not properly identify or validate the original creditor associated with the debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) & 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), debt collectors must accurately report and provide validation of the original creditor and account details when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
XXXXm writing because I recently discovered some unauthorized activity on my credit report that appears to be the result of identity theft. I did not authorize or initiate the listed inquiries, and I want to make it clear that these were not done with my consent.

Im requesting that these inquiries be blocked and removed from my credit report right away.

This isnt a misunderstanding or mistakeIve taken the proper steps to report the identity theft, and Ive attached a copy of my FTC Identity Theft Report and a supporting letter outlining the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to dispute several items on my credit report that are being reported inaccurately. Upon review, I found multiple charge-off accounts showing balances over {$600.00}, yet no IRS Form 1099-C has ever been issued to me as required by law for cancellation of debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reported as charge-offs, but without the legally required IRS documentation XXXX this reporting is misleading and inaccurate. 
I also noticed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1600.00}. This account does not belong to me and is the result of identity theft. Under the Fair Credit Reporting Act, fraudulent accounts must be removed when disputed, and I am requesting that this account be deleted immediately. 
In addition to the accounts, I also found hard inquiries on my file that I never authorized. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I never applied for credit with any of these companies, and I did not give permission for them to access my credit file. Since these inquiries were made without my consent, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to dispute several items on my credit report that are being reported inaccurately. Upon review, I found multiple charge-off accounts showing balances over {$600.00}, yet no IRS Form 1099-C has ever been issued to me as required by law for cancellation of debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reported as charge-offs, but without the legally required IRS documentation XXXX this reporting is misleading and inaccurate. 
I also noticed a collection from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1600.00}. This account does not belong to me and is the result of identity theft. Under the Fair Credit Reporting Act, fraudulent accounts must be removed when disputed, and I am requesting that this account be deleted immediately. 
In addition to the accounts, I also found hard inquiries on my file that I never authorized. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I never applied for credit with any of these companies, and I did not give permission for them to access my credit file. Since these inquiries were made without my consent, they must be removed.

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 2025-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I told CapitalOne that I couldnt go to XXXX XXXXXXXX during the pandemic to close the account. I explained to XXXX XXXXXXXX I no longer wanted my account and they continued to take money out of my account. When I caught the charges I called Cap and made a claim. They gave me a credit but on XX/XX/year> they reversed it saying XXXX XXXXXXXX had no record. Me as a consumer had photos and information on the last time I visited which was before everything shut down. So they have closed my account which I didnt want because I want my account. I never had issues before with then and my account stayed positive. I want my account back and the charge to be taking off!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The supporting documents are enclosed to substantiate my claim.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXm writing because I recently discovered some unauthorized activity on my credit report that appears to be the result of identity theft. I did not authorize or initiate the listed inquiries, and I want to make it clear that these were not done with my consent.

Im requesting that these inquiries be blocked and removed from my credit report right away.

This isnt a misunderstanding or mistakeIve taken the proper steps to report the identity theft, and Ive attached a copy of my FTC Identity Theft Report and a supporting letter outlining the issue.

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 2025-09-02 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: GA

Complaint narrative:
XXXXm writing because I recently discovered some unauthorized activity on my credit report that appears to be the result of identity theft. I did not authorize or initiate the listed inquiries, and I want to make it clear that these were not done with my consent.

Im requesting that these inquiries be blocked and removed from my credit report right away.

This isnt a misunderstanding or mistakeIve taken the proper steps to report the identity theft, and Ive attached a copy of my FTC Identity Theft Report and a supporting letter outlining the issue.

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 2025-09-02 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this letter as a formal written dispute and debt validation request regarding an account currently being reported on my Equifax credit report. This entry reflects inaccurate and/or unverifiable information and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation and documented validation of the following : DP OF EDUC XXXX XXXX XXXX Balance : {$1200.00} If this account can not be verified with original documentation, it must be removed from my credit file under FCRA 611 ( 15 U.S.C. 1681i ). Continued reporting without substantiating records constitutes a violation of federal law and could be considered willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Every time I have tried to pay this company Synchrony through Paypal- a payment would be returned. They blamed it on my banks routing number or other things. Never could reach them easily, phones would be jammed. Saw reviews that others got the same concerns. I believe it to be a scam.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am disputing the fraudulent account currently reported under my credit record. I did not apply for, authorize, or have any involvement with this account. Its inclusion in my report is false and has caused undue harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Mohela is stealing my money. You can never talk to an actual agent and all their email correspondents never make sense or match my loan dates or timeline. All my payments are going towards interest and not principal. During Covid when it was 0 % interest I paid off well over {$10000.00} towards my loans until XX/XX/XXXX when they deferred my loan ( not by my choice ) for a year and still collected interest which has now added all that money back that I had originally paid off. I should be getting loan forgiveness from working in education, but none of those payments are qualifying. I have these loans since XXXX and have paid them over 10 times by now. Mohela needs to be shut down & money needs to be given back or loans need to be forgiven at this point. They are illegally overcharging, stealing my money & mishandling my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that appears on my credit report. I have no knowledge of this account, never authorized it, and have no relationship to it. Its inclusion in my report is a clear error that requires correction.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I dispute the late payment reported on my account, as it is inaccurate. My payment history demonstrates punctuality and consistency, making this reporting false.

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 2025-09-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a fraudulent account reported under my credit profile. I did not authorize, open, or acknowledge this account in any way. Its reporting is false, misleading, and unacceptable.

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