vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
I used Affirm to finance a purchase from XXXX XXXX ( Order # XXXX ) on XX/XX/year>, for a XXXX XXXX XXXX for {$300.00}. The item was marked as delivered by their courier ( XXXX  ), and a delivery photo was provided. However, I never received the package it appears to have been stolen before I ever took possession of it. 

XXXX XXXX acknowledged that the item matches my door, but admits that I did not receive the package. They refused to offer a refund or replacement unless their shipping partner approves a claim. The item is still missing, and they have instructed me to go through my own insurance, which is not a valid resolution under federal consumer protections. 

Affirm has currently paused my payments while they review the dispute. I appreciate that, but I am filing this complaint to document the situation in case they choose to resume billing me for a product that was never received. 

According to FTC guidelines, the seller is responsible for ensuring that the buyer actually receives the product not just that it was marked delivered. A photo showing the item left at my door does not equal proof of receipt. I never accepted or signed for the product, and I should not be responsible for paying for it. 

I am requesting that Affirm fully cancel the charge if XXXX XXXX does not issue a refund or replacement. I should not be financially responsible for a product that was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
I disputed XXXX accounts on my TransUnion report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) and received reinvestigation results dated XX/XX/year> ( File ID : XXXX ). TransUnion verified these items but failed to provide the method of verification, did not address contradictions ( such as charge-offs showing current past due ), and retained disputed late payments without explanation. I am requesting the method of verification, copies of supporting documentation, and deletion of any unverifiable or materially misleading data under FCRA 1681i ( a ) ( 6 ), ( 7 ), and 1681e ( b ).

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 2025-06-22 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: TX

Complaint narrative:
I am formally submitting a complaint against Experian for refusing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. I have provided multiple disputes, an FTC Identity Theft Report, and supporting documentation proving these accounts and inquiries were the result of identity theft. Experian has failed to take appropriate action, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Fraudulent Accounts : XXXX XXXX XXXXk Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX Fraudulent and Unauthorized Inquiries : XXXX  XXXX XXXX XXXX XXXX I request the immediate removal of all fraudulent accounts, unauthorized inquiries, and any related negative information from 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
It has come to my attention, through review of my credit reports from XXXX, XXXX, XXXX  that Santander Consumer continues to inaccurately report missing payments for the above-referenced account. This account was officially closed inXXXX, and the loan balance was paid in full. 

Despite the account being closed and the balance satisfied, Santander Consumer has continued to report derogatory information, specifically missed payments, into 2024. This reporting is factually incorrect, misleading, and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
They sent me identity prove of my person paper work but as I see on paper looks like they usedy information and sold it With my address on this letter which is incorrect fraud XXXX XXXX code XXXX They didn't send me a validation letter with the address they sold to whom ever they did irs not my debt when I called them they tried to get social and I refused they agreed it's my right to not give it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I paid {$3000.00} via XXXX to a landlord for the first months rent and security deposit on an apartment in XXXX, Maine. 

Upon move-in, the unit was found to be infested with XXXX cockroaches and was uninhabitable. I notified the landlord immediately and legally terminated the lease within a few days due to unsafe living conditions. However, the landlord refused to return my money, then blocked me on XXXX, cutting off any ability to resolve the issue. 

He has since re-rented the apartment on XXXX while still keeping my money. I believe he is using peer-to-peer payment platforms to bypass formal tenant protections and fraudulently retain funds without delivering services. I am concerned this may be part of a larger pattern, especially as he may not be a registered landlord or business. 

I have filed complaints with local authorities and the state attorney general, and I am pursuing the matter in small claims court, but I am requesting the CFPB investigate the financial misuse of peer-to-peer services by this individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint against Experian for continued reporting of inaccurate and materially incomplete information on my consumer report despite prior disputes. I disputed multiple accounts ( XXXX XXXX XXXX, CBNA/Citi XXXX XXXX XXXX, XXXX, and XXXX ), but Experian failed to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681g ( a ). 

XXXX investigation merely responded with consumer disagrees, while failing to remove unverifiable data, correct materially misleading reporting ( such as reporting accounts as both charged off and past due ), and not addressing 100 % utilization errors. 

I have submitted a detailed letter outlining these violations and demanding that XXXX  delete or correct all inaccurate information, provide method of verification, and comply with their FCRA duties. I request XXXX intervention in enforcing compliance, as XXXX actions mirror those in the CFPBs enforcement case against them ( CFPB v. 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint against XXXX  for continued reporting of inaccurate and materially incomplete information on my consumer report despite prior disputes. I disputed multiple accounts ( XXXX XXXX XXXX, CBNA/Citi XXXX XXXX XXXX, XXXX, and XXXX ), but Experian failed to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), 1681e ( b ), and 1681g ( a ). 

XXXX investigation merely responded with consumer disagrees, while failing to remove unverifiable data, correct materially misleading reporting ( such as reporting accounts as both charged off and past due ), and not addressing 100 % utilization errors. 

I have submitted a detailed letter outlining these violations and demanding that XXXX delete or correct all inaccurate information, provide method of verification, and comply with their FCRA duties. I request CFPBs intervention in enforcing compliance, as XXXX actions mirror those in the CFPBs enforcement case against them ( CFPB v. Experian, 2025 ).

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 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am filing a complaint regarding a collection account on my credit report originally from XXXX, now reported by a XXXX-party debt buyer. XXXX no longer exists as a company, and when I contacted XXXX ( who acquired XXXX ) XXXX they confirmed they had no record of the debt and unlocked my phone number without requiring any payment. This confirms that the debt is not being pursued by the original creditor or their legal successor. 

Despite this, the collection account remains on my credit report, and I previously filed a dispute with the credit bureau ( Experian ). The dispute was closed without any proper verification or documentation being provided by the collector, in violation of the Fair Credit Reporting Act ( FCRA ). No contract, itemized billing, or proof of ownership of the debt was given. 

This collection is damaging my credit, and I am requesting that this account be fully investigated and removed due to failure to validate under FCRA sections XXXX and XXXX. I am also requesting that the debt collector provide full validation, or it be deemed unverifiable and deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Experian is unreachable. You can call and call and the automated gatekeeper will never let you speak to a real person. It will hang up on you every time. I need to access my account to unsubscribe from a membership. Because I changed my mobile service and phone number, I can not receive the text or calls required to validate your login. It is shocking that you can provide name, address, social security number and other information, yet you phone number is the hard stop! You can not change it yourself as their website states. But when you cant reach anyone and their automated gatekeeper is impossible, they are shirking their legal obligation to be accessible.

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 2025-06-22 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: LEXISNEXIS
State: VA

Complaint narrative:
LEXIS NEXIS recently suffered a major data breach including consumers ' names and SS numbers. Soon after I discovered incorrect information on my credit report. Records show that XXXX XXXX submitted consumer information to multiple lenders without permission. Data broker giant LexisNexis Risk Solutions, a Georgia-based American data analytics company XXXX has revealed that attackers stole the personal information of over XXXX individuals in a XXXX breach. As disclosed in data breach notifications sent to affected people starting XX/XX/XXXX, LexisNexis was informed on XX/XX/XXXX that some of its data had been stolen from XXXX by an unknown threat actor using a compromised company account. Quote : " On XXXX, we learned that on XXXX, an unauthorized third party acquired certain LNRS data from a third-party platform used for software development. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I disputed an unauthorized subscription charge from XXXX for an app called XXXX on my Frost Bank checking account. Frost Bank classified this as a merchant dispute and refuses to provide provisional credit while investigating, violating Regulation E ( 12 CFR 1005.11 ( e ) ). This delay has caused me financial hardship, including inability to afford transportation to work. Despite repeated attempts to resolve with Frost Bank representatives, including supervisors, my concerns have been dismissed and the chat was abruptly closed without resolution. I am requesting XXXX assistance to compel Frost Bank to comply with federal law and provide the provisional credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CORELOGIC INC
State: MN

Complaint narrative:
The company needs to add my additional mailing address to my report ( XXXX ) on 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MicroBilt / PRBC (formerly CL Verify)
State: MN

Complaint narrative:
The company needs to add my additional mailing address to my report ( XXXX ) on 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 2025-06-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Branch Messenger, Inc.
State: VA

Complaint narrative:
I was contacted by someone impersonating Uber Support and guided into setting up an Uber Pro Card. Shortly after providing limited non-sensitive info ( phone number, car model/year ), my account was drained of {$620.00}. The card is provided through Branch and backed by XXXX XXXX  XXXX XXXX. This transaction was made under false pretenses and was unauthorized. 
I reported this to Uber, the FTC, and my state Attorney General. Despite that, I have not received support or reimbursement. I am filing under XXXX  XXXX of the Electronic Fund Transfer Act, which protects consumers from unauthorized electronic fund transfers. I am requesting immediate investigation and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
am filing a complaint against Equifax for inaccurately reporting negative information on my credit report. My XXXX  and XXXX  reports are accurate and do not reflect these errors, but Equifax is showing XXXX or more late payments and/or derogatory marks that are either false or no longer valid. 

As a result, my credit score with Equifax has dropped into the XXXX, even though I have made on-time payments and have been actively working to build my credit. I previously disputed this information directly through Equifax, but they failed to properly investigate or resolve the issue. 

These reporting errors are harming my ability to qualify for credit and are causing financial stress. I am requesting that the CFPB review this matter and that Equifax fully investigate and correct the inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
It has come to my attention that the Company LVNV FUNDING LLC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not run or approve a hard inquiry with capital one on XX/XX/year>. I would like to know what this is and who or where this was opened because it was not me. This afternoon I got multiple emails that a hard inquiry was done on my behalf with capital one. I was at my daughters baby shower all day so I dont know how this was supposedly me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I made a XXXX transaction on XX/XX/year> that was supposed to be for my wife. Used ( XXXX ) XXXX number that was already listed as recipient on my list. On the list the name was still showing XXXX XXXX. 
Problem is that my wife changed her phone a few months ago, so the money went to XXXX XXXX ( I know the name because it's showing on very small letters below my wife 's name, which I just noticed after realizing the purulent ). 
Chase and XXXX must add protection to costumers in cases like this. The name showing for transfer should only be the registered person, not the name I typed when listing. 
The transaction was {$2000.00} so it's a significant amount of money. I need it to be reversed or reimbursed. 
Again, I strongly believe there is not enough costumer protection on XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed multiple inaccurate items on my credit report with XXXX Transunion, Equifax and furnishers including XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX Despite repeated disputes, I have not received any documentation of the method of verification in regard to these late payments, closures, or charge-offs. 
Experian is also showing credit usage over 300 %, which is incorrect. These issues violate FCRA 1681e ( b ), 1681i ( a ), and 1681s-2. I request the removal of all unverifiable data and correction of personal information as this is detremental 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 non-monetary relief