vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I purchased tickets for the XX/XX/XXXX XXXX  game for my boyfriend as a XXXX gift back in XXXX XXXX using Affirm and XXXX. This was my first time using XXXX, and their site said tickets would be delivered closer to the event through XXXX. 
About a week later, I decided I wanted to change the seats and reached out to Affirm to ask if I could transfer or cancel the loan. They told me they dont do refunds but could offer store credit and to reach out to Affirm about the loan. I agreed and asked if I would still receive the original tickets. Affirm ( and XXXX ) assured me that I would so I figured no need to cancel the loan. 
Fast forward to XX/XX/XXXX, days before the game I still had not received any tickets, update, notification etc. Flights and hotel were already booked, and I was getting anxious. I checked my XXXX account repeatedly and saw nothing. I reached out again and was then told that the store credit had replaced the tickets because they were returned to the original purchaser. 
At that point, I had no choice according to the XXXX associates but to open a new Affirm loan to buy replacement tickets, which cost more and were delivered immediately via XXXX  ( not XXXX ). I now have XXXX loans for the same event, and had to pay more out of pocket for the second order. 
I disputed the original loan with Affirm because I never received those tickets. I was nearly done paying off that loan yet they denied my dispute. They said XXXX provided proof that the tickets were delivered and even claimed they were sent to my email, XXXX. However, I never received anything from XXXX or XXXX regarding the original tickets I checked my inbox, spam, promotions, everything. 
The only communication I ever received was when I reached out to XXXX  and they told me directly that my tickets had been returned and I would need to use the store credit to buy new ones. 
Affirm ignored this documented evidence and doubled down on their decision, leaving me responsible for XXXX loans totaling over {$1200.00} even though I only received XXXX set of tickets. I have attached the same documentation I sent Affirm, including emails from XXXX that contradict their claim. Please look closely at the dates and even the tickets that I was originally purchasing still saying on XX/XX/XXXX that my purchase was confirmed but never that they were transferred. If I did receive the tickets then what date?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX * * * XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-05-27 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. It has come to my attention that XXXX  XXXX XXXX has reported fraudulent information to ChexSystems under my name, which I did not authorize or initiate. This erroneous reporting is adversely affecting my ability to secure essential government benefits, including housing assistance.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I mailed a check for {$52.00} to my doctor on or about XXXX, XX/XX/year>, in a XXXX XXXX XXXX mail receptacle outside the XXXX XXXX XXXX XXXX, XXXX. The check was stolen from the mailbox, altered to the amount of {$1200.00}, and the name was altered to XXXX XXXX. The date was also altered from XXXX to XXXX. The check was endorsed and deposited into a XXXX XXXX account soon afterwards. 

I filed a police report at the XXXX, XXXX, police station. The report is # XXXX. I also filed a report with the XXXX XXXX both locally and online. The XXXX XXXX case is # XXXX. I also went into a branch of my bank ( Chase ) in XXXX, XXXX, and filed a report with them and changed my bank account number. The claim number is # XXXX. 

I have contacted Chase bank several times about getting my money back, and each time, they tell me to call back later. They tell me that they are waiting for a response from XXXX XXXX XXXX. It has been over XXXX  months now, and I am still waiting for them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I applied for a XXXX XXXX and XXXX XXXX XXXX Student Aid to attend XXXX XXXX XXXX XXXX in New York for a XXXX XXXX XXXX XXXX was full of promises : I was told a guided mentor would be assigned to me and contact me on the first day, but that was a LIE. 
I was told I could have phone contact daily for any assistance I might need, but that was a LIE. 
I was told I would have assistance with class selection per semester, but that was a LIE. 

The truth is, I was overly stressed out from the first day ( doctor 's orders to remain calm due to my health conditions. I had a hard time understanding what class to select, so I made comforting choices on my own. The day I got an email to drop those classes and choose these other classes, so I did. I made several attempts to call and find out who my mentor was when I was told we don't accept phone call correspondence, that everything is done by email, however, five day into the semester I still had no idea who my mentor was. On the seventh day I contacted the US Department of Education to cancel my student aid and explained why, so my student aid was in fact canceled. On or about the second day of attendance, I received a direct deposit from the school in the amont of {$1200.00} from New York 's XXXX XXXX. On the 8th day of school XX/XX/XXXX I quit, and then all of a sudden I had a mentor contact me, a little to late, my nerves were shot, I had enough of lies, I never even completed one assignment. From XX/XX/XXXX forward, I was harresst through emails when I received a letter stating I owed them {$1800.00}. I called them but they were stuck in their heads. 
On XX/XX/XXXX of XXXX I was granted XXXX because I can not work due to long-term debilitating illnesses. Another reason to quit school, then I filed a XXXX form to cancel all my old school loan was why XXXX wrote, letter stated they deserved money and wanted in on the deal, is how I understood it. 
So Now today, XX/XX/XXXX I received a letter from Recovery Managment Services , Inc. I called them first thing and the woman I spoke with upset me so much I hung up. 

It is impossible that I owe XXXX {$1800.00}, as that is much higher than 30 % in which they claim to charge, and the other thing that confuses me is that I received a 1098-T for {$170.00} for a scholarship I know nothing about or did not apply for.

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 2025-05-27 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I am writing to formally dispute the validity and continued reporting of a collection account listed by Credit Collection Services on my credit report. Upon reviewing my credit file in preparation for purchasing a home, I was alarmed to find this collection account still being reported. I previously held an insurance policy with XXXX XXXX, which I canceled in accordance with their procedures. I received written confirmation via email that the cancellation had been processed, and at no time was I notified of any outstanding balance. The first and only notice I received regarding a balance came from my mortgage lender, after they pulled my credit report as part of the loan approval process. This unexpected and erroneous entry has not only jeopardized my ability to close on my home loan, but it has also negatively affected my credit standing. Furthermore, the balance in question has since been paid, and I was advised that the account would be removed from my credit report. Its continued presence is both inaccurate and harmful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a citi credit card account with welcome bonus offer. The terms and conditions clearly listed which spending are not eligible. ( Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, travelers checks, purchases of foreign currency, money orders, wire transfers ( and similar cash-like transactions ), lottery tickets, and gaming chips ( and similar betting transactions ) are not purchases. ) However, I found that two of my transactions ( {$3200.00} & {$56.00} ) were not counted toward the welcome bonus.

I contacted CITI customer service and described my issue, but the representative ignored the terms and conditions and kept repeating that tax payments are not eligible. In the end, the representative stated that the terms and conditions do not say tax payments are eligible.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized credit inquires. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts / information report 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 2025-05-27 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts / information report 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