vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Affirm withdrew a total of {$280.00} from my bank account due to a series of improperly processed transactions linked to my XXXX XXXX account. These included a failed transaction and a pending one, both of which should not have triggered actual charges. As a result, my account was overdrawn, and I incurred more than {$530.00} in overdraft fees. 

I contacted Affirm customer service to resolve the matter. While they acknowledged the issue and refunded {$93.00}, they refused to take responsibility for the full scope of the charges and their impact. The agents repeatedly misunderstood the issue, framing it as a matter of current card usage or outstanding balances, even though I clarified multiple times that I do not use or intend to use an Affirm card. The problem stems entirely from Affirms system error, which caused charges to be withdrawn for failed or unresolved transactions. 

Affirms support team has reviewed the case, and the supervisor admitted he was investigating further, but no meaningful resolution or reimbursement has been provided to cover the remaining overdraft-related losses. My request is simple : I want Affirm to take responsibility for their error and reimburse the full amount of overdraft fees caused by these mishandled transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Early Warning Services, LLC
State: TN

Complaint narrative:
Consumer ID : XXXX Summary of the Issue : I recently obtained a copy of my Early Warning report and discovered five accounts listed that I did not open and that do not belong to me. I am a victim of identity theft. 

On XX/XX/year>, I mailed a written dispute and request for validation to Early Warning Services , LLC regarding these fraudulent accounts. I have proof of USPS delivery and a signed acknowledgment of receipt by an Early Warning employee on XX/XX/year>. Despite the clear FCRA requirements to respond to disputes within 30 days, Early Warning failed to respond to my request. 

I also called Early Warning directly to attempt to resolve the issue. Unfortunately, the employees I spoke with were dismissive, unhelpful, and rude, showing no interest in assisting me with my legitimate concerns. 

The following accounts appear on my Early Warning report : XXXX XXXX XXXX  Reference : XXXXXXXX XXXX Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Routing Number : XXXXXXXX XXXX XXXX Routing Number : XXXX Account Number : XXXXXXXX XXXX XXXX  Routing Number : XXXX Account Number : XXXX Additionally, my report contains personal contact information that does not belong to me, including : Phone Number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX These accounts, phone numbers, email addresses, and the listed mailing address are not associated with me in any way. 

Requested Resolution : Immediate deletion of all fraudulent accounts, phone numbers, email addresses, and mailing addresses from my Early Warning report.

A written response confirming the removal of the inaccurate information.

Assurance that my consumer rights under the Fair Credit Reporting Act ( FCRA ) are respected and that proper reinvestigation procedures are followed.

Supporting Documentation : Proof of USPS delivery Signature confirmation of receipt by Early Warning employee ( Attached to this complaint ) Early Warnings failure to respond to my dispute within the required 30-day period is a violation of the FCRA. Their representatives were unprofessional and made no effort to help resolve this matter, adding unnecessary stress to the identity theft I am already dealing with.

I am seeking CFPBs assistance to ensure my consumer rights are upheld and that this fraudulent information is removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-23 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
On XX/XX/year> I received confirmation that the Borrower Defense Application which was involved in a class action law suit titled " XXXX XXXX XXXXXXXX '' - the results of this lawsuit are as follows Discharge your Relevant Federal Student Loan ( XXXX ) ; Provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loans including Relevant Federal Student Loan debt that you previously paid off ; and Delete the credit report tradeline associated with the XXXX loan ( s ). 

Federal Student Aid and their partner XXXX have refused to delete the tradelines. This is causing me damages- preventing me from qualifying for an appropriate new mortgage.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/XXXXMy correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXXILXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fraud on buisiness account with police report. As one example : A vendor deemed as a fraud charge from XXXX XXXX in the amount of {$260.00} was established as a fraudulent charge and credited back to the account on XX/XX/year>. There was an additional {$35000.00} from the same vendor. I am requesting immediate reversals from that vendoe for the entire amount and from additional vendors established as frudulent charges. The bank states that they are " speaking with the banking institutions from the various vendors '' however the bank has insurance backed by the FDIC and has a responsibility to return those funds immediately. Reference TRUIST case ID # XXXX XXXX Florida Police report number : XXXX TRUIST is advising me that if the fraudulent vendor 's banking institutions do not answer to TRUIST then I am out my money that was derived from fraudulent transactions not of my doing.

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 2025-06-23 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 writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I am disputing inaccurate information on my credit report that violates my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Any deviation from Metro 2 Compliance standards compromises the accuracy and integrity of your reporting, which exposes you to legal liability. 

The following account is being challenged : XXXX - XXXXXXXX XXXX XXXX The information you are furnishing has not been verified with any factual evidence. Reporting unverified or false information is a direct violation of your duties under 1681i ( a ) and 1681e ( b ). I demand that you provide documented proof to support this accounts accuracy. If you can not furnish full validation, you are obligated to DELETE this account entirely. 

Additionally, I have evidence that your agency may be unlawfully responding to disputes with form letters, regardless of the facts Ive submitted. This blanket response practice is a violation of FCRA 1681i ( a ), which requires a reasonable, case-specific investigation for every dispute. Failure to properly investigate and correct inaccurate information constitutes willful non-compliance.

I demand that you immediately : Conduct a full reinvestigation. 
DELETE any unverifiable or inaccurate information.

Cease the use of automated, non-responsive dispute handling.

Your failure to comply may result in legal action for violation of my consumer rights. I reserve the right to pursue legal remedies and notify my attorney if necessary.

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 2025-06-23 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:
I am disputing inaccurate information on my credit report that violates my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Any deviation from Metro 2 Compliance standards compromises the accuracy and integrity of your reporting, which exposes you to legal liability. 

The following account is being challenged : XXXX - XXXXXXXX XXXX XXXX The information you are furnishing has not been verified with any factual evidence. Reporting unverified or false information is a direct violation of your duties under 1681i ( a ) and 1681e ( b ). I demand that you provide documented proof to support this accounts accuracy. If you can not furnish full validation, you are obligated to DELETE this account entirely. 

Additionally, I have evidence that your agency may be unlawfully responding to disputes with form letters, regardless of the facts Ive submitted. This blanket response practice is a violation of FCRA 1681i ( a ), which requires a reasonable, case-specific investigation for every dispute. Failure to properly investigate and correct inaccurate information constitutes willful non-compliance.

I demand that you immediately : Conduct a full reinvestigation. 
DELETE any unverifiable or inaccurate information.

Cease the use of automated, non-responsive dispute handling.

Your failure to comply may result in legal action for violation of my consumer rights. I reserve the right to pursue legal remedies and notify my attorney if necessary.

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 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-23 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
XXXX XXXX, XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-23 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I talked to an associate at PNC to get a loan to pay my taxes and payoff my credit cards that the interest rate is XXXX XXXX I was told it would take XXXX minutes to XXXX day, I was told that there would be no problem to get a {$20000.00} loan. I needed to bring in my taxes, ID and my credit card statement ( XX/XX/year> ), I completed that and was told again that it would be a day or so. A week went by and I didnt hear anything, I called the bank and was told they needed more information so again I took it to the bank, another week went XXXX and I said I wanted to talk to someone I change of the loan department, I called and the woman said that they did receive my husbands social security XXXX I was told they needed more verification and that they did not even start the process for the loan, they wanted XXXX XXXX of statements ( all pages ) but nothing over XXXX XXXX, that did not make sense. I called the bank again XXXX XXXX and the person would not take my calls, once they said they would transfer me to her, waited over XXXX minutes the disconnected, then I was told she was busy, and the third time I left a message, she did not respond. On XX/XX/XXXX I was told by the underwriter it was the banks fault and the bank said was their fault. I received they would not except my application because they did not get the information they wanted, they did hit my credit report, and now I went down XXXX points. I have good credit. So there was no reason that I did not get this loan. They said they did not check my credit, but they did. My husband and my self havre been so upset with this, we cant sleep and so upset on how we were treated, that is why I am reaching out for help at this point. We feel like we were being discriminated because of age and race.

Company response to consumer: Closed with explanation