vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX XX/XX/year> RE : Last 4 of SSN : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed, credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX I did not authorize anyone employed by these companies to make any inquiries and view any credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-07 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: OR

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The XXXX XX/XX/2025 enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XX/XX/year> Subject : Inability to Access My Credit Report Dear CFPB, I am writing to file a complaint regarding my inability to access my credit report from XXXX, I cant access it from neither one of the major XXXX agencies I need that to my address soon as possible. 

I receive an error message when trying to verify my identity online. 
The system says my information is incorrect, though I have verified it multiple times. 
I was told to mail documentation, which I did, but have not received any response. 
I was locked out of the system without a clear reason. 
I called customer service but could not get assistance in accessing my report. 

This issue is preventing me from reviewing my credit information, which I have a legal right to access under the Fair Credit Reporting Act ( FCRA ). I am concerned that there may be errors or potential fraud that I am unable to detect due to this lack of access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XX/XX/year> Subject : Inability to Access My Credit Report Dear CFPB, I am writing to file a complaint regarding my inability to access my credit report from XXXX, I cant access it from neither one of the major XXXX agencies I need that to my address soon as possible. 

I receive an error message when trying to verify my identity online. 
The system says my information is incorrect, though I have verified it multiple times. 
I was told to mail documentation, which I did, but have not received any response. 
I was locked out of the system without a clear reason. 
I called customer service but could not get assistance in accessing my report. 

This issue is preventing me from reviewing my credit information, which I have a legal right to access under the Fair Credit Reporting Act ( FCRA ). I am concerned that there may be errors or potential fraud that I am unable to detect due to this lack of access.

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 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Armada Corp.
State: WA

Complaint narrative:
I checked with my medical companies i dont have any bills. I received a letter from Armada Corp saying I owe {$60.00} to the XXXX XXXX with little to now reference. Letter appears to be a scam Letter received XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
This is a collection account. This debt has been charged off with a XXXX and should be removed from all my credit profiles under the fair credit act. I dont own this debt and it should be removed immediately it is preventing me to obtain credit or an apartment!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account The XXXX XXXX XXXX. 
XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account

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 2025-07-07 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: TX

Complaint narrative:
they did not remove these thing off my credit report like only address that need to be on the report is XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is a seven years old account should be deleted XXXX  read the paperwork it have XXXX. which mean I should not be seeing it on 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 explanation
Consumer complaint received 2025-07-06 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: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
escription of the late payment reported by Oportun On my credit reports from XXXX XXXX and XXXX, there is an entry marking a late payment for my account with Oportun, dated XX/XX/year> for the billing cycle. However : Payment made on time : I paid the full balance due on XX/XX/year>, before the contractual due date and within the grace period provided in my agreement. 

No actual delinquency : There was no delay in processing my payment by my bank or by Oportun.

Violation of the FCRA : By reporting inaccurate negative information, Oportun is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information.

This incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure Oportuns compliance with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I never opened or authorized or used this credit card and they Are charging me monthly fees I have reported this to Avant as fraud and they still keep charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
The scamming rats at Paypal are back at it again. They permanently banned my account over half a year ago for NO reason. As if that was not enough, they notified me they would be holding my funds hostage for half a year.

Now, half a year later I logged onto my Paypal account to withdraw the {$5000.00} in my account. The only option they have for me to withdraw is to the XXXX bank account currently linked to my Paypal account. The problem is I no longer have this bank account with XXXX, I closed it months ago. 

So I tried to add my new bank account to Paypal which they blocked, since my account is banned they wont let me add or REMOVE any new payment methods. 

So as you can see they have effectively made it impossible now for me to withdraw my money. These scamming rats at Paypal are trying to steal over {$5000.00} from me now even though I did nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AZ

Complaint narrative:
I used Affirm to finance an XXXX purchase ( Order # XXXX ) that cost less than {$350.00}. Shortly after receiving the item, I attempted to return it through XXXX return process. For over two months, Ive made multiple attempts to resolve the return with both XXXX and the seller, but no resolution has been provided. 

Now, I am being asked to pay {$510.00} just to return the item, according to a XXXX shipping quote I obtained ( attached ). That amount is more than the item originally cost, which is completely unreasonable. 

Meanwhile, Affirm continues to charge me monthly payments and has refused to pause billing or open a formal disputeeven after I explained the situation and provided supporting documentation. Ive acted in good faith and followed the appropriate steps to return the item, but Im being penalized financially due to a failed return process I can not control.

Im requesting the following : That Affirm pause all payment obligations immediately while this is under review That they open a formal dispute with the merchant That any payments Ive already made be refunded if the return is validated This is unfair and predatory to consumers trying to resolve issues in good faith. Ive attached the shipping quote showing the {$510.00} cost, which proves how unreasonable the situation has become.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
From XXXX  to 2024 XXXX. I had issue with Cashapp being charged and money taken out my account. I have filed complaint with Cashapp on different occasions about money that was removed from my card without my permission. I have taken many lost with Cashapp Over {$7000.00} within the pass 3 years. I never received a XXXX of it back I was just given a cold shoulder. I was sent an email there would be an investigations, them to tell me that I cant get my money. I also deputed this year again and received email refusing to return my money.once again. I feel that something has to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Although Bank of America states that with my digital card I can shop with the same protections and benefits of a physical card. 
I can pay in store, in apps, and online by adding my card to a digital wallet such as XXXX XXXX or XXXX XXXX. 
I can enjoy the flexibility of using my digital or physical debit card however and whenever I want. However, the sole thing Im able to do is use my digital card to pay for something online.

I cant use my digital card to tap and pay for purchases at a store or restaurant, nor can I deposit or withdraw funds from my account at an ATM. 
This denial of equal protection is very frustrating and done in retaliation of me exercising my First Amendment rights to file a complaint or lawsuit against Bank of America personnel. 
When I bought this issue to a Bank of America representative during a telephone call he told me that I wont be able to tap and pay or deposit or withdraw funds from my account until I get my physical debit card. 
Further, I have not been getting temporary credits on any of the claims I filed with the bank against companies who are fraudulently taking money out of my account without my consent or knowledge, although they told me I would. 
I will be also filing a lawsuit against Bank of America for all this XXXX and discriminatory treatment Ive been subjected to by Bank of America staff.

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 monetary relief
Consumer complaint received 2025-07-06 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: DISCOVER BANK
State: GA

Complaint narrative:
I have no knowledge of these accounts, therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I have request for validation of these debts multiple times and sent out dispute letter to all three bureaus and no action has been taken. 
My full name is XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, TX XXXX XXXX Multiple accounts reporting inaccurately on my credit report. 

Please see attached documents reflecting inaccurate information.

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 2025-07-06 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit 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 2025-07-06 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit 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 2025-07-07 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: NY

Complaint narrative:
XXXX XXXX XXXX Kings Hwy XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Acct. ending in * XXXX ) To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXX  XXXX XXXX account listed on my Equifax credit report. The information being reported is incomplete, potentially inaccurate, and appears to violate the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S. Code 1681i * * and * * 607 ( b ) * *.

This account, reported as a * * charged-off credit card * *, contains several critical discrepancies and possible compliance violations : 1. The high credit is reported as * * {$650.00} * *, which exceeds the cards original limit of * * {$500.00} * *, raising concerns about inflated reporting or fee padding. 
XXXX. The account continues to report a balance of * * {$200.00} * * post charge-off, despite a * * last payment date of XX/XX/XXXX * *. This lack of ongoing updates implies the information XXXX be * * inaccurate or unverifiable * *. 
XXXX. There is no documentation of XXXX XXXX validating the accuracy and completeness of this item per * * FCRA XXXX ( a ) ( XXXX ) ( A ) * *. 
XXXX. The account is labeled as * * closed by the creditor * *, yet continues to report updates, which is * * inconsistent and misleading * * under Metro 2 standards. 

These issues render the account * * incomplete, potentially outdated, and unverifiable * *. I therefore demand that this account be * * permanently deleted * * from my credit file unless it can be fully validated and corrected. 

This is a formal dispute and not a request for correction. Please reinvestigate and notify me in writing within 30 days, as required by the FCRA. 

Sincerely, * * XXXX XXXX * * XXXX : XXXX DOB : XX/XX/XXXX [ Optional : Include copy of ID, XXXX, and proof of address ]

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