vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified student loan accounts appearing on my credit report. The accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The information reported does not match my records, including dates, balances, transfer history, and servicing details. I requested verification from the credit bureaus, but they have not provided proper documentation or evidence that the reporting is accurate. Under the FCRA, information must be accurate and fully verifiable, and the bureaus must perform a reasonable reinvestigation. The accounts are also not marked as disputed, which is required under FCRA 1681i ( c ). If any third-party collector or servicer is reporting these loans, they have not provided validation as required under FDCPA 809 ( b ). I am requesting the CFPBs assistance to ensure the credit bureaus and the furnisher comply with the FCRA and FDCPA by providing proper verification or removing these accounts if they can not verify them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hi, Apple XXXX Goldman Sachs failed to provide the detailed reasons why these disputes were denied. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: NC

Complaint narrative:
Repo company had come 3 times to my house, first 2 times I advised the car they are looking for they would not find here because I havent talked to that young man in over a year and a half. They keep trying to repo my XXXX XXXX XXXX, they are looking a XXXX XXXX XXXX both silver in XXXX. The XXXX time the repo man came at XXXX in the morning on XXXX XXXX and took possession of my vehicle which is the wrong car. Had my car lifted off the grown when I advised that I was calling the police he checks the vin I guess then goes back to truck to check and drops my car but didnt put his loft all the way down and when he snatched the lift from up under my car a pop noise was heard. When police arrived she advised me to see how my vehicle was driving the next day and Id needed to be take it to get looked at and I did next day. Next day I also contacted global lending to let them know what the repo company had done and they advised someone would contact me for claim. They did I sent in all videos from my cameras and the police report and estimate from body shop and today they denied my claim but took responsibility for repossessing the wrong vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was scammed {$5100.00} ( plus 25.29 % interest rate ) for an online program ( XXXX XXXX XXXX ) which they used Affirm for payment. From day 1, the online coaching services were never received, the merchant disappeared, banned me from the online portal ( skool ) group ( client club success ), and the merchant leader XXXX XXXX was reported by others who were also scammed and so his account was suspended. I am unable to reach anyone for a refund and also contacted Affirm to dispute. I opened up a case that took months to get any answers back which is making me late and later on my payments. They then closed my first request with no supported evidence as to why they closed it when I sent in several items showing proof of all this, scammed, banned, ghosted, not able to get through to anyone on a refund, and Affirm. I requested to reopen a second case asking for why they closed it without any evidence or why they honored the merchants favor after I provided all the evidence needed. I need answers as to why Affirm will not help me or refund me back and why they are not helping the customer who was scammed and received nothing. Affirm is moving forward on making me make payments and reporting me delinquent after they took months to get back to me on investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hello, I am requesting that the CFPB assist in the reinvestigation of my ATM dispute with XXXX XXXX 

Details of the dispute : Card issuer : XXXX XXXX Transactions : XXXX ATM withdrawals of {$400.00} each, totaling {$800.00} Date : XX/XX/2025 Times : Approximately XXXX XXXX XXXX XXXX XXXX  ATM location : Inside XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I attempted to withdraw these amounts, but the ATM did not dispense any cash, yet XXXX XXXX deducted {$800.00} from my card. I filed a dispute with XXXX XXXX and they responded saying no error was found and requested I deposit money to cover the disputed transactions. This decision is incorrect because I never received the cash, and XXXX XXXX has not provided the ATM logs, cash-out record, or error codes used to reach their conclusion. 

What I am requesting from CFPB : Assistance in reopening and reinvestigating my ATM dispute with XXXX XXXX Ensure my card account is not debited further during the investigation Obtain all documentation XXXX XXXX used to make their decision Resolution of the {$800.00} lost in these ATM transactions This has caused financial stress and is a significant loss. I ask CFPB to intervene so XXXX XXXX conducts a full, fair reinvestigation. 

Thank you for your attention to 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 explanation
Consumer complaint received 2025-12-16 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:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OR

Complaint narrative:
Ive been trying to get my funds from cash app for several years now. They won't release them no matter what I do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am submitting this complaint as a consumer attempting to correct and improve my credit profile. After reviewing my Experian credit report, I found several charged-off accounts, inquiries, and a late payment that I believe may be inaccurate or improperly reported. 

* * Charged-Off Accounts in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2100.00} * XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} * XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$3400.00} * * Inquiries in Dispute ( Experian ) : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XX/XX/XXXX * XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX * Late Payment in Dispute ( Experian ) : * * * XXXX XXXX XXXX XXXX Account # XXXX I am requesting Experian to verify the legitimacy, authorization, and accuracy of all disputed items. Any information that can not be properly verified under the FCRA should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX XXXX XXXX  XXXX to my auto loan. The original loan was with XXXX XXXX XXXX, which abruptly ceased operations. On XX/XX/year>, I received an email from XXXX XXXX XXXX stating that they were taking over the loan from XXXX XXXX XXXX. Upon receiving this notice, I formally requested proof of the original contract and documentation showing their legal right to collect and report this debt. XXXX XXXX never provided any documentation in response to this request. 
Despite failing to provide proof of ownership or the original contract, XXXX accepted a {$1000.00} payment from me and rewrote a new contract for the remaining balance of the loan. After accepting this payment, XXXX continued reporting the original loan balance previously reported by XXXX XXXX XXXX, without crediting the {$1000.00} payment. 
In addition, XXXX is reporting the same account twice, with incorrect balances and inaccurate missed payment history alluding to them having the account prior to XXXX XXXX closing. This, resulting in materially false and misleading information appearing on my credit. 
Reporting duplicate tradelines, inflated balances, and uncredited payments while failing to produce the original contract after a direct request violates the Fair Credit Reporting Act 's requirements that furnishers report information accurately and investigate disputed information. 

I am requesting that XXXX XXXX : 1.Provide proof of ownership of the original contract and a complete payment history.

2. Remove any duplicate tradelines 3. Delete all inaccurate reporting related to this 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX XXXX XXXX related to my auto loan. The original loan was with XXXX XXXX XXXX, which abruptly ceased operations. On XX/XX/year>, I received an email from XXXX XXXX XXXX stating that they were taking over the loan from XXXX XXXX XXXX. Upon receiving this notice, I formally requested proof of the original contract and documentation showing their legal right to collect and report this debt. XXXX XXXX never provided any documentation in response to this request. 
Despite failing to provide proof of ownership or the original contract, XXXX accepted a {$1000.00} payment from me and rewrote a new contract for the remaining balance of the loan. After accepting this payment, XXXX continued reporting the original loan balance previously reported by XXXX XXXX XXXX, without crediting the {$1000.00} payment. 
In addition, XXXX is reporting the same account twice, with incorrect balances and inaccurate missed payment history alluding to them having the account prior to XXXX XXXX closing. This, resulting in materially false and misleading information appearing on my credit. 
Reporting duplicate tradelines, inflated balances, and uncredited payments while failing to produce the original contract after a direct request violates the Fair Credit Reporting Act 's requirements that furnishers report information accurately and investigate disputed information. 

I am requesting that XXXX XXXX : 1.Provide proof of ownership of the original contract and a complete payment history.

2. Remove any duplicate tradelines 3. Delete all inaccurate reporting related to this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC
State: MD

Complaint narrative:
BMG money continues to re-report misleading incorrect information to XXXX XXXX XXXX XXXX after a XXXX XXXX bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am once again unable to access my Transunion Credit Report after submitting a dispute. They do not give me access to dispute online or look at my credit report. I cant even see my previous disputes. This happens after EVERYTIME I submit a dispute. Transunion refuses to properly investigate the items I disputed, I recently sent a paper dispute by certified mail to all the credit bureaus. In my Transunion dispute I have submitted mutliple disputes about unauthorized inquiries on my credit report. I was told this was due to an ongoing dispute that would not be completed until XX/XX/XXXX. It is clearly well past XX/XX/XXXX. Transunion refuses to investigates them. They lie and say inquiries cant be disputed I met with an attorney and he said this is a flat out lie and a violation of the FCRA. Transunion must investigate any dispute including inquiries and if they cant verify the information By law they have to remove it. The 16 Hard inquiries on my credit report ( some of them duplicates ) must be removed. I will take legal action against Transunion if these items are not removed, I will seek {$1000.00} per Inquiry that remains. My attorney is ready to take this to court. I have already filed complaints with the Federal Trade Commission and Ohio Attorney General office about Transunion failure to follow the guidelines provided by the FCRA. Transunion was recently found guilty in a lawsuit for failing to properly investigate disputes, I know my case will be easy to prove.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One charged late fees on a very small balance in a way that is disproportionate and caused financial hardship.

My original purchase balance was {$21.00}. On XX/XX/XXXX, Capital One charged a past due fee of {$21.00}, along with {$0.00} in interest. 

I then made a payment on XX/XX/XXXX ; however, on the same day, Capital One charged an additional {$40.00} past due fee, which increased my balance instead of resolving it.

I was informed that the first late fee was {$21.00} and that no further assistance would be provided. When I spoke with a supervisor, she stated that she was unable to help further and declined to review the situation or offer any additional resolution.

These fees are disproportionate to the original {$21.00} balance and created unnecessary financial hardship. Additionally, I am pregnant, and this situation has caused significant stress, which is not good for my health.

I am requesting removal of the full {$40.00} past due fee and any related interest. If only {$21.00} is removed, I would still face a larger balance than my original purchase, which is unfair. I am also requesting a review of how this matter was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-12-16 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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not XXXX  credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not XXXX  credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, Navy Federal Credit Union received my written Notice of Intent and Opportunity to Cure, which included a dispute and requests for clarification and validation regarding mortgage servicing. The notice provided 20 days to respond.

Navy Federal responded by sending copies of the original promissory note, the security deed, and a payment history. This response did not address the substance of the dispute, did not provide clarification regarding the servicing issues raised, and did not cure the issues identified. 

After receiving this inadequate response, I sent Final Notices to Navy Federal Credit Union and related entities. These Final Notices were delivered between XX/XX/XXXX and XX/XX/year>, each providing an additional 15 days to cure the unresolved dispute. 

As of XX/XX/year>, no party has provided a substantive response addressing the issues raised or curing the deficiencies identified. I am filing this complaint due to the failure to adequately respond to and resolve the written dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation