vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
In XX/XX/year>, I financed a {$350.00} purchase through Affirm for XXXX XXXX XXXX ( Order # XXXX ) from XXXX  After receiving the product, I discovered that XXXX is not FDA-approved for consumer use. I canceled the subscription on XX/XX/XXXX, and XXXX confirmed cancellation on XX/XX/XXXX. 

I contacted Affirm to dispute the transaction, providing documentation that the product was unsafe, not FDA-approved, and that I had canceled it. I also filed a complaint with the FTC ( Report # XXXX ) and the XXXX XXXX XXXX. Despite this, Affirm denied my dispute, citing the merchant 's delivery confirmation. 

Since Affirm continued billing me, I contacted my bank, which reviewed the case and issued a refund of {$360.00}. I revoked Affirm 's access to my bank account after the refund. 

Affirm is still charging me {$360.00} and threatening to report me to credit agencies if I do not pay by XX/XX/XXXX. I emailed Affirm again on XX/XX/XXXX with supporting evidence and have received no response. I am requesting that the account be closed and all credit reporting activity be stopped due to the nature of the disputed product and the fact that the transaction has already been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Other Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian XXXX  XXXX XXXX XXXX, TX XXXX Subject : Comprehensive Dispute of Inaccurate and Illegal Items Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute multiple inaccurate, unverifiable, and potentially illegal items appearing in my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 609 ( a ), 611, and 623, I am requesting a full investigation and immediate correction or deletion of the following items : - Unauthorized SSN Reporting : A social security number ending in 1657 is listed. My correct SSN ends in 8617. Please remove all other SSNs immediately.

- Incorrect Address Records : Only address to be reported : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Remove all other addresses. 
- Incorrect Name Variations : The only authorized names are XXXX XXXX XXXX and XXXX XXXX XXXX. Remove all other names from my file. 

Additionally, I dispute the following negative accounts and request removal if not verifiable with accurate documentation : - Collection Account- {$190.00} : No validation provided. Request removal under FCRA 609 ( a ) ( 1 ).

- Collection Account- {$460.00} : Unverified and unvalidated. Please delete if not proven accurate.

- Collection Account- {$880.00} : Request debt validation. Remove if unverified or outdated.

- Collection Account- {$940.00} : Unverified collection. Must be removed under FCRA guidelines.

- Charge-Off - {$1000.00} : Appears as charged off with multiple 30-150 day late payments. Request full validation and correction. If unverified, delete under FCRA 611. 
- Late Payments : Numerous late payments reported across XXXX. Require verification and explanation. If not validated, remove under 623.

These issues constitute violations of my consumer rights. I request your office investigate these entries and resolve them within 30 days as required by federal law. Attached are copies of my identification, proof of address, and report excerpts. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I can get the exact date but in 2023 my cash app was hacked, and I tried to get another account but I wasnt able I dont feel like this was far to me .I had never had a problem with cash app. I did identify theft claims with my bank. I tried reaching out to let them know my account was hacked. Cash App is wrong for not listening to me and helping me gain my access back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with JPMCB CARD or any of the affiliates. I have confirmed and advised JPMCB CARD that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how JPMCB CARD approved a credit under my name, without doing any further review and confirmation. Given the fact that JPMCB CARD has the right to investigate and obtain all necessary information prior to approving any credits, JPMCB CARD has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, JPMCB CARD must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that JPMCB CARD must comply with prior to approving any credit card/lines to anyone. Pursuant to JPMCB CARD 's online advertisement, JPMCB CARD encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from JPMCB CARD stating that my information was used or attempted to be used in order to open an account. Thus, JPMCB CARD has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, JPMCB CARD violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for JPMCB CARD to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lot XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute multiple inaccuracies on my TransUnion credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 et seq. I am requesting the immediate removal and correction of the following errors : 1. Personal Information : - The only address that should appear on my report is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. Remove all other addresses. 
- The only names that should be associated with my report are XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove all other name variations including XXXX, XXXX ; XXXX, XXXX ; and XXXX, XXXX, L.. 
2. Inaccurate Accounts and Late Payments ( Violation of 15 USC 1681 ( a ) ( 2 ) ) : You are reporting negative payment history, charge-offs, and collections that include information derived from transactions or experiences directly between myself and creditors, which should not be included in my consumer file under this statute. The following accounts must be immediately investigated and removed if unverifiable : - XXXX  Reporting XXXX late payments including derogatory XXXX day late marks. 
- XXXX  XXXX ( several accounts ) Reporting late payments, past due balances, and derogatory statuses. 
- XXXX Reporting as a charge-off with multiple XX/XX/XXXX day lates and derogatory status. 
- XXXX Charge-off account with repeated late payments. 
- XXXX XXXX XXXX separate accounts, both charged-off with minimal or no payment history and excessive late payments. 
- XXXX XXXX XXXX total late payments including XXXX day late mark and settled status. 
- XXXX XXXX XXXX as derogatory with charge-off/collection notated. 
- XXXX XXXX XXXX derogatory XXXX day late payment history. 
- XXXX XXXX  XXXX an alarming number of late payments ( XXXX ). 

XXXX. Collections : - XXXX  XXXX XXXX  Balance {$880.00} from XXXX XXXX. I dispute this account and demand validation or immediate removal. 
- XXXXXXXX XXXX XXXXXXXX {$190.00} from XXXX. I dispute the validity and reporting of this debt as well. 

I demand a prompt investigation and deletion of any unverifiable, inaccurate, outdated, or incomplete information in accordance with 15 U.S.C. 1681i. If the items in dispute are not removed, I will be filing complaints with the CFPB and FTC for further enforcement. 

Sincerely, XXXX 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of several accounts currently reported on my Equifax credit file, as provided under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ). Specifically, I am disputing the following account : XXXX XXXX XXXX XXXX  ( Account ending in XXXX ), which lists late payments that were incurred as a result of fraudulent activity. I have consistently paid on time and have never missed a payment during that period. Reporting these late payments as accurate is a violation of the FCRA, and I respectfully request their removal or correction to reflect timely payments. 

Additionally, I am disputing the following XXXX  XXXX accounts : Account ending in XXXX, with a reported balance of {$9900.00}. These charges resulted from fraudulent activity and fall under the protection of the XXXX XXXX Liability policy . As I am not liable for these unauthorized charges, continuing to report this account with an outstanding balance violates FCRA 623 ( a ) ( 1 ) ( A ). 

Account ending in XXXX, with a balance of {$1800.00}, reflects late payments that are factually incorrect. This is a violation of FCRA 607 ( b ), which mandates that information in consumer reports must be as accurate as possible. Since these dates can not be verified and are inaccurate, I am requesting deletion of this account for noncompliance. 

I am also disputing the XXXX XXXX XXXX  ( Account XXXX ). I previously submitted a request for investigation and correction of the charge-off status on this account. However, no investigation was conducted within the required timeframe, which is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ). The failure to investigate and update inaccurate reporting is unacceptable. I request the immediate removal of this item due to lack of compliance. 

Lastly, the XXXX BANK, XXXX. account ( ending in XXXX ) is reporting a charge-off with a balance of {$20000.00}. I am requesting documentation verifying the date and amount of the last payment made. The current reporting lacks validation and may be considered a violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to update and correct inaccurate or incomplete information. Please investigate and correct or remove this item accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Checkr, Inc
State: AL

Complaint narrative:
I went online to XXXX to request my personal background check today XXXX. I was given the list of available services and prices. I chose what I wanted, and my debit card information was requested. The total price of the services was {$170.00}. I entered my debit card information and was immediately told I needed to create an account in order to get my background report. After I created the account, I clicked on the option to view my report, but no report was listed, only an option to order a report. I checked my order history, and nothing showed up, so I thought my previous transaction had not gone through. I chose to order a background report for a second time for {$170.00}. This time, after I entered my debit card information, a requested report showed up in my order history. I then logged into my bank account and I saw XXXX pending transactions to checkr for the same amount. I contacted checkr through the only available option, an online chat option. I told the representative what I said above. He saw that I had been charged XXXX ; he said it was because I entered XXXX email address with the first transaction and a different XXXX when I created my account. He said that he would need to email me to fix the issue. He emailed me within minutes and asked which account I wanted to delete. He also informed me that although he was going to delete XXXX of the accounts, I was not eligible for a refund because the transaction had already been processed. I called my bank immediately after that to let them know I had been charged XXXX for the same service. I was told both were pending and that I had to wait until they posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked XXXX XXXX XXXXXXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief