vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft. Three Affirm loans totaling approximately {$5000.00} were opened using my personal information without my authorization.

I reported the first fraudulent loan to Affirm promptly, before any subsequent loans were taken out. Despite having notice of fraud on my account, Affirm allowed additional loans to be originated using the same compromised personal information.

I later participated in a joint call with Affirm and XXXX Identity Theft Services and filed both an FTC Identity Theft Report and a police report. Despite this, Affirm concluded I am responsible for the loans without explaining the factual basis for that determination. 

Affirm has refused to provide copies of the loan applications, device/IP information, or payment authorization records, stating that this would involve personal information, even though the account is attributed to me. 

I accessed the account and observed that the bank account used for these loans is not mine and was never authorized by me. 

Despite notice of identity theft and supporting documentation, Affirm has continued to seek payment and has referred part of the alleged debt to a collection agency.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing a complaint against Capital One regarding a fraudulent transaction on my account that was mishandled. 

Details of the Transaction : Transaction Date : XX/XX/year> Amount : {$3500.00} Merchant : XXXX XXXX  I did not authorize this transaction. I discovered who the merchant was approximately six weeks after the charge and reached out directly, but received no response. I then submitted a written statement to Capital One describing these interactions and detailing why the charge was fraudulent. 

The merchant eventually submitted proof showing the product was not intended for me, clearly indicating fraud. Despite this, Capital One ruled against me, claiming that because I knew the merchant, the charge was not considered fraudulent. This decision is incorrect : I did not authorize this charge, and the evidence shows that the transaction was fraudulent. 

I am requesting the CFPBs assistance to ensure Capital One : 1. Reverses the {$3500.00} charge 2. Corrects any related account records 3. Properly acknowledges that the transaction was fraudulent I have relevant documentation, including account statements, and the proof submitted by the merchant that the product was not intended for me. 

Thank you for your assistance in resolving this matter.

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: 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: LA

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with TRANSUNION, the following fraudulent account was reinserted on my credit report : Account Name : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet TRANSUNION, reinserted it without proper validation. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure TRANSUNION, complies with the law by blocking this fraudulent account immediately and confirming the action.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB Complaint Portfolio Recovery Associates / Metro 2 Reporting Issues This complaint concerns materially inaccurate and unverifiable reporting by XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ), a debt buyer, across consumer reporting agencies. 

The account shows a balance of {$1000.00} with conflicting reporting of past due amounts, last activity dates, account status, and delinquency timelines across TransUnion, Experian, and Equifax. The Original Date of First Delinquency is inconsistent and can not be verified, demonstrating a failure to comply with Metro 2 field-level reporting standards. Automated verification systems, including e-OSCAR, are unable to reconcile these discrepancies, indicating that neither the furnisher nor the CRAs conducted a reasonable reinvestigation, in violation of 15 U.S.C. 623 ( a ) ( 5 ) and 15 U.S.C. 1681i. 

Continued reporting of inconsistent, unverifiable data constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and an unfair or deceptive practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ). 

Requested Resolution : Immediate deletion of this account from all consumer credit reports until accurate and verifiable data can be provided, with confirmation of future compliance with FCRA, Metro 2 standards, and CFPA ( UDAAP ) requirements to prevent repeated misreporting and consumer harm. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: CA

Complaint narrative:
I am disputing multiple inquiries on my credit report that I do not recognize and did not authorize. Applications were submitted in my name without my knowledge or consent, resulting in these companies accessing my credit file and negatively impacting my credit score. I previously contacted the credit bureau and was advised by a representative that these inquiries would be removed ; however, they continue to appear on my report, causing unnecessary stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing regarding a collection account currently being reported by your company on my consumer credit report. 

This correspondence is not, and shall not be construed as, an admission of liability or acknowledgment that this debt is mine. I am not admitting responsibility for the alleged debt. 

I am willing to resolve this matter ; however, I am requesting written confirmation that your company will agree to one of the following prior to any payment being made : 1 ) Acceptance of a negotiated settlement in exchange for deletion of this account from all consumer reporting agencies, or 2 ) Acceptance of payment in full with deletion of the account upon receipt.

Payment will only be made after receiving written confirmation on company letterhead stating that the account will be permanently removed from my credit reports upon payment.

This request is made in good faith to resolve the matter efficiently.

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: U.S. BANCORP
State: IL

Complaint narrative:
I am trying to purchase a home and the late payments that appears on my credit report is either closed, charged off, or up-to-date. I am requesting your goodwill consideration to remove all late payments, charge-offs, and closed accounts remove from my credit report.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Failure to Reinvestigate ( 1681i ) : The bureau has ignored its statutory duty to conduct a reasonable reinvestigation within 30 days. Instead, it has recycled the same unverifiable tradelines without competent proof. I have reason to believe reasonable procedures were not followed to ensure accuracy. My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). even I disputed this multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: ID

Complaint narrative:
This company has been collecting from me for more than a year when I found out they had no legal right to collect from me living in XXXX. They are not licensed to do that in XXXX. I know this because I contacted the XXXX  Department of Finance and they did not find them in the system as having a license to collect in Idaho. I had been paying {$10.00} a monthly for a very old medical deby by a deceased surgeon in the state Of Georgia, XXXX being the city. They said I still owe {$480.00}. I then sent them a certified letter asking for all of the payments records from XXXX on and to send the records of the original surgeon with all the medical records details included and all the amounts I have payed on record from the XXXX XXXX which is closed now because XXXX XXXX has XXXX. So, I decided to send the letter to get all of this infomation, but instead, I got a fraud alert from XXXX  about this. I am also now living on XXXX  only and I do not want to pay this since they have never billed me. And, from my understanding they can not sue and collect because of my protected XXXX They claimed to be a billing service and not a debt collector when I spoke with them on the phone on about XX/XX/XXXX The only thing I ever received from them was a phone call about the debt that had been turned over to them since the surgeons 's death. They are not responding, so I am assuming they tried to file with the XXXX XXXXXXXX about the debt. But it was blocked and I was sent a Fraud Alert Letter.

Company response to consumer: Untimely response
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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have been trying for over a month now to transfer my funds ( be it a very small amount ) from my old account to my current account but my phone is broken I've been jumping through hoops and dealing with cash app customer support to no avail and I am literally being robbed of my money.my next step is to go social media and provide indisputable proof and facts showing how Cash app is stealing from us.. I will not relent and I am not going to give up. Give me my money, XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I am writing to notify you that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692c, you are to cease all further communication with me regarding the above-referenced alleged debt except as expressly permitted by law.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that the consumer refuses to pay the debt or that the consumer wishes the debt collector to cease further communication, the debt collector shall not communicate further with respect to such debt except to : ( 1 ) advise that further efforts are being terminated, ( 2 ) notify the consumer that the collector may invoke specified remedies, or ( 3 ) notify the consumer that the collector intends to invoke a specified remedy.

Accordingly, you are hereby directed to : Cease all telephone calls, text messages, emails, and other attempts to contact me, including at my residence, workplace, or through any third parties ; and Cease any communication at times or places known, or reasonably known, to be inconvenient, as prohibited under 15 U.S.C. 1692c ( a ).

If you contend that this alleged debt is valid and you believe you are permitted to contact me under one of the limited statutory exceptions, any such communication must be in writing only and mailed to the address listed above. No other form of contact is authorized.

Please note that any further communications or collection activities in violation of the FDCPA will be documented and may constitute grounds for legal action, including statutory damages, costs, and attorneys fees.

Nothing in this notice shall be construed as an admission of liability, acknowledgment of the alleged debt, or waiver of any rights, defenses, or remedies available to me under federal or state 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 explanation