vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$470.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am submitting this complaint to request assistance with a goodwill adjustment denial from a financial services company regarding two late payments reported in XX/XX/scrub> 2025 on loans associated with purchases from XXXX and XXXX XXXX. The late payments, each more than 30 days overdue, resulted from a temporary financial hardship. Upon receiving notice of delinquency in XX/XX/scrub> 2025, both loan accounts were paid in full immediately, and they are now in good standing. 

When signing up for the services, it was never stated that a delinquent account would affect credit. After paying off the accounts, the company was contacted immediately, and it was not mentioned that the delinquency would affect credit. Instead, it was stated that since the accounts were paid in full, they would reflect closed in good standing. 

A goodwill adjustment was requested to remove these late payments from the XXXX  credit report, emphasizing the prompt payment and commitment to timely payments since the incident. On XX/XX/scrub> 2025, a response was received from a company representative stating that the reporting was accurate and could not be changed due to regulatory obligations, as the payments were indeed more than 30 days late. A follow-up request for reconsideration was sent, but no further assistance has been provided. 

I respectfully request your help in resolving this matter to have the late payments removed from the XXXX  credit report, as goodwill adjustments are a permitted discretionary practice to support customers, given the immediate payment and current good standing. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-26 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing a formal complaint against Barclaycard 's Jetblue Credit Card for their multi-layered failure to properly handle my credit card dispute ( Case # XXXX ), resulting in a financial loss of {$920.00}. 

My initial dispute, dated XX/XX/year>, for a canceled hotel stay was incorrectly denied on XX/XX/XXXX ( attached ). 

As per their instructions, I filed a formal appeal on XX/XX/year>, and provided new, definitive evidence : a written statement from the hotel confirming they had already refunded the merchant 's third-party partner. The hotel also provided their direct phone number in case Barclaycard wished to contact them ( evidence attached ). Barclaycard ignored this conclusive evidence and upheld their original decision without justification. 

Following the failure of my appeal, in the second week of XXXX I formally requested XXXX XXXX for a second time. A Barclaycard representative acknowledged receipt of my request. 

It has now been nearly three weeks since I requested arbitration and over six weeks since my appeal and Barclaycard has taken no action, provided no updates, and sent no communication.

This demonstrates a complete breakdown in Barclaycard 's dispute resolution obligations. They have not only ignored conclusive evidence during my appeal but have also failed to act on my formal request for arbitration. By doing so, they have enabled the merchant to wrongfully keep my {$920.00} and have denied me access to the final stage of the dispute 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 explanation
Consumer complaint received 2025-09-26 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate and misleading entries on my credit report, as reported by various financial institutions. Despite my attempts to resolve these issues directly with the reporting entities, the inaccuracies persist, adversely affecting my creditworthiness and financial reputation. 

Details of Inaccuracies : Incorrect Addresses Reported : XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX Accounts with Incorrect Reporting / Late Payments : XXXX / XXXX XXXX ( Account # XXXX ) : Date Opened : XX/XX/XXXX, Balance : {$100000.00} Reported late payment inaccurately. 

XXXX  CREDIT UNION ( Account # XXXX ) : Date Opened : XX/XX/XXXX, Balance : {$3600.00} Reported late payment inaccurately. 

XXXX XXXX XXXX ( Account # XXXX ) : Date Opened : XX/XX/XXXX, Balance : {$0.00} Reported late payment inaccurately. 

Unauthorized / Inaccurate Inquiries : XXXX  CREDIT UNION : Inquiry on XX/XX/XXXX XXXX  CREDIT UNION : Inquiry on XX/XX/XXXX I request the CFPB to investigate these inaccuracies and direct the reporting institutions to : Correct or remove the false addresses listed on my credit report. 

Correct any erroneously reported late payments and ensure my payment history accurately reflects my financial behavior. 

Remove any unauthorized or incorrect inquiries from my credit report. 

These inaccuracies are causing me significant financial distress, including potential denial of credit and higher interest rates. I demand prompt resolution of these matters 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX & XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-26 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: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX CREDIT Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-26 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: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
I have a collection on my account for Ability Recovery Services for a XXXX  account. This does not belong to me. I have a family member with the same name and it could belong to them. This is affecting my credit. Please have this 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 explanation
Consumer complaint received 2025-09-26 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: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-09-26 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Summary of Issue : Over the past XXXX years, there have been XXXX fraudulent charges on my Chase debit card linked to an XXXX XXXX  account that is not mine. XXXX has confirmed that the charges are from an XXXX XXXX account that is not mine. These charges total {$540.00} ( {$21.00} for XXXX  months ). Neither I nor anyone authorized on my account has ever owned or used the XXXXXXXX XXXX associated with these transactions. 

When I reported this fraud to Chase, they stated that they can only recover XXXX  days of charges under their dispute policy. As a result, they reimbursed me for XXXX transactions, but they are refusing to recover the remaining XXXX fraudulent charges, despite clear evidence of unauthorized use. 

Steps Taken : Contacted Chase immediately upon discovering the fraud. Provided transaction details. 
Contacted XXXX XXXX, who confirmed the charges are tied to a different XXXXXXXX XXXX but can not release the account details due to privacy restrictions.

Requested escalation to Chase fraud supervisors. They refused to process disputes older than XXXX  days. 

Why I am filing this complaint : These are clearly unauthorized charges under the Electronic Fund Transfer Act ( EFTA ) and Fair Credit Billing Act ( FCBA ).

Chases blanket denial of recovery beyond 60 days leaves me financially responsible for fraud that I did not authorize or benefit from.

I am seeking the CFPBs assistance to ensure that Chase conducts a full and fair investigation into all XXXX charges, not just those within the XXXX window, and reimburses me accordingly. 

Requested Resolution : Full reimbursement of all unauthorized charges totaling {$540.00}. 
Written explanation from Chase regarding their investigation and why they failed to detect repeated fraudulent charges over a two-year period.

Confirmation that Chase has taken steps to prevent further fraudulent charges on my account. 

Attachments : Bank statements highlighting fraudulent recurring charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have listed all of the companies that have unlawfully accessed my credit report without my knowledge, permission or authorization. The placed hard inquiries on my credit and I have requested that they remove them. The companies have provided no information verifying an authorization for them to access my credit report and they have not removed the inquiries. 

On XX/XX/24, the following company utilized my credit report without my knowledge, permission or authorization and placed a hard inquiry on my credit report. I requested that they remove them and they have not been. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/24, the following company utilized my credit report without my knowledge, permission or authorization and placed a hard inquiry on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, the following company utilized my credit report without my knowledge, permission or authorization and placed a hard inquiry on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Escrow surplus refund of {$760.00} not delivered by Freedom Mortgage.

Freedom issued a check ( XX/XX/year> ), I deposited it, but the funds were never released. 
XXXX XXXX letter ( XX/XX/year> ) : Paying bank states check may return, confirming funds never released. 
Freedom Mortgage letter ( XX/XX/year> ) : claims check cashed XX/XX/year>, declines responsibility unless I prove otherwise, directly contradicting XXXX XXXX documentation. 
XXXX XXXX escalation call ( XX/XX/year> ) : confirmed they are not liable and expressed shock at Freedom Mortgages refusal to act. 
Freedom Mortgage escalation call ( XX/XX/year>, XXXX duration ) : agent admitted prior notes missing, case is an odd occurrence not handled properly, and said funds can not be released unless issuer releases them.

Harms : Denied access to {$760.00} for XXXX months. 

I am in immediate financial hardship : {$0.00} funds, unemployed since XX/XX/XXXX, in active debt, forced to rely on now-exhausted favors for mortgage payments ; my financial reputation and housing is at risk. 

XXXX neglect : XXXXXXXX XXXX XXXX XXXXXXXX disclosedno accommodations provided, repeatedly forced detective work, worsening stress and health.

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app XXXX  XXXX was taken from my account and wasn't replaced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally request the removal of inaccurate and unfair negative information being reported on my credit profile. These negative items do not accurately reflect my financial history and are causing significant harm to my creditworthiness. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information. The negative entries listed below are in error and should be removed from my credit report immediately : EXPERIAN account I have enclosed supporting documentation to substantiate my claim that these reports are inaccurate or unverifiable. Please conduct a thorough investigation into this matter and ensure that any unverifiable or incorrect information is deleted from my credit file. 

As required by the FCRA, I respectfully request written confirmation that these negative items have been removed or corrected within the legally mandated timeframe. 

Thank you for your prompt attention to this matter. I look forward to your 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