vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-31 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: Experian Information Solutions Inc.
State: AZ

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 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 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted all information for it to be deleted and still hasnt been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I booked a ticket with XXXX XXXX and used Affirm, the flight had to be canceled due to the issues with the government shutdown and XXXX refunded Affirm but Affirm has not refunded me nor have they canceled the loan. 

Loan ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an Account that was not Reporting accurately.I had one late payments on an Account that I was in fact paid on time the consumer reporting agencies need to report all information with complete accuracy this Account has not been late on payments ve attached a copy of my report to this complaint On the following date ( XX/XX/2025 ) I m now requesting you investigation this Account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Less than two years ago, Bank of America decided to close my account wrongfully. With your assistance, I was able to get it back. Now there are some more issues since then. First issue is maintenance fee, my account was not getting maintenance fee for a while because I started to use it primary again. My last job contract was over, therefore there was no direct deposit. When I called the representative only refunded two, I was still charged a maintenance fee for XXXX. Now, I am trying to avoid another fee by having my unemployment benefits to go to that account. However, I received a letter that said my bank was not able to locate my 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: TX

Complaint narrative:
I submitted certified, notarized debt validation and cease-and-desist notices to both the U.S. Department of Education and its contracted servicer, MOHELA, on XX/XX/year>. The notices requested lawful validation of debt under the Fair Debt Collection Practices Act and provided a ten-day window to respond. Despite confirmed delivery, both entities continue to send billing emails and delinquency notices without producing validation or original loan documentation. 

This constitutes continued collection activity without verification, a potential violation of the FDCPA, FCRA, and Higher Education Act servicing standards. I request investigation into MOHELAs conduct and enforcement of corrective actions to stop unauthorized communications and report suppression of any negative credit entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This week I receive a Citi XXXX XXXX credit card, delivered by XXXX. I never applied for this card, so I burned it since it came to my home. I checked my credit report and found there was a hard inquiry on my credit report XX/XX/year>. Today, XXXX XXXX, XXXX, I received a letter from citi bank that further information is needed before charges can be made on the card. I called the number on the letter but needed the new credit card number to discuss the matter. I don't have the card since I burned it. On the letter I received today, it is stated last XXXX digits of the card are : XXXX. Since I was unable to speak with person on phone for lack of cc number and there is no email address to contact, there are no citi banks near my home. I want to ensure ; I am safe and my identify is not jeopardized. I don't understand how someone opened a credit card in my name. I have locked out my credit so no one can access it again for inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc.
State: FL

Complaint narrative:
I am filing a formal complaint regarding my Wisely payroll card, issued through XXXX XXXX. Since XX/XX/XXXX, I have not received my pay due to unresolved issues with address verification and card delivery. 
Despite updating my address with both XXXX XXXX and the U.S. Postal Service, and submitting all requested documentation, including proof of address, I have yet to receive my card. I first contacted support on XX/XX/XXXX, and followed up on XX/XX/XXXX, XXXX, XXXX, XXXX, and again today, XX/XX/XXXX. Each time, I received inconsistent answers and no resolution. 
I was assured by a manager that the issue would be resolved, but now Im being asked to provide a utility bill and ID from the person I live withrequirements that were never mentioned in any of my previous calls. I also inquired about receiving a digital card as an alternative, but was told that was not an option. 
On XX/XX/XXXX, I spoke with a manager named XXXX, who refused to provide her last name or even an initial. When I asked to speak with her supervisor, she said someone would call me back. I have not received any follow-up. 
I have done everything possible to comply with their requests and resolve this issue, yet I remain unpaid. This delay is causing financial hardship and appears to stem from poor communication and inconsistent procedures. 
I am requesting that a new card be issued with same-day service or, at minimum, that I be granted access to a digital card until the physical replacement arrives. I also request that no fees be charged for either option. 
I respectfully ask the CFPB to investigate this matter and help ensure that I receive the wages I am owed without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AK

Complaint narrative:
I recently disputed a charged off account about some in accuracies. I pulled my credit report through the credit bureaus and the reporting was different from experian/XXXX credit bureaus . Experian reported that I was late in XXXX while XXXX  reported that I was on time in XXXX with the same account. These documents were sent to Experian as a dispute and came back verified when the in accuracies was clear in the documents I sent over. They are violating the fair credit act.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Affirm sold or assigned a debt to XXXX XXXX XXXX that I do not owe. I have written confirmation from Affirm stating that my account was locked and that I would no longer be held accountable for any outstanding loans. Despite this, XXXX XXXX began contacting me and claiming I owe {$78.00} for an Affirm account ending in XXXX. I disputed the debt in writing and provided Affirms email showing that I am not responsible for any balance. XXXX XXXX collection efforts and Affirms sale of a non-existent debt violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
Charged-Off Accounts The following accounts are being reported as charged off or in collection. I am requesting that Experian verify the accuracy and ownership of each item. If Experian or the data furnishers can not provide documentation supporting these accounts, they should be deleted immediately in accordance with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$300.00} XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$3100.00} XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$540.00} XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$650.00} XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Amount : {$0.00} XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$1600.00} Some of these debts may have been paid, settled, or are being reported with incorrect charge-off dates or balances. Please provide documentation from the original creditor showing proof of account ownership, balance, and charge-off status. 

Inquiries The following inquiries were not authorized by me, and I am requesting proof of permissible purpose under FCRA 604. If Experian can not verify that I granted authorization, these should be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( 2 inquiries ) 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 XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate credit applications with many of these entities. Please confirm each inquirys legitimacy or remove those that can not be verified.

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 2025-10-31 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: FL

Complaint narrative:
After reviewing my credit reports, I discovered several accounts that are being reported inaccurately and without proper verification. Multiple furnishers, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, have failed to provide lawful documentation verifying the accuracy and legitimacy of the accounts they are reporting. XXXX is reporting a charged-off account that shows conflicting data regarding ownership and payment history, with no signed agreement or itemized statement to prove the alleged balance. XXXX XXXX XXXX continues to report an account as charged off and past due simultaneously, which is contradictory and misleading. XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX are reporting collection accounts without providing any proof of ownership, assignment, or original creditor documentation, which violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, XXXX XXXX XXXXXXXX XXXX is reporting a late payment that is more than six years old and can not be validated with billing or payment records. These inaccurate and unverifiable entries have caused harm to my creditworthiness and do not comply with the accuracy and verification requirements under FCRA Sections 607 ( b ) and 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and improper reporting on my EQUIFAX credit report. The first account in question is XXXX XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, which was fully paid and settled as of XX/XX/XXXX with no late payments at any time. Despite this, EQUIFAX appears to be continuing to report this account inaccurately or has possibly suppressed it, resulting in a misleading portrayal of my credit history. I request that you confirm whether this account currently exists in your records and, if so, verify its accuracy or remove it immediately if it can not be properly substantiated. 

The second account in dispute is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), opened on XX/XX/XXXX. This account reflects a XXXX late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. However, this derogatory information was previously deleted and has been illegally reinserted without the proper written notice or communication required by law. Under FCRA 611 ( a ) ( 5 ) ( B ), a consumer reporting agency is required to notify the consumer before reintroducing any deleted information. The reinsertion of this account without such notice, and without providing evidence from the original furnisher, constitutes a clear violation of federal law. 

These issues collectively violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and 1681i ( a ) ( 5 ) ( B ) ( failure to provide notice of reinsertion ). Additionally, they violate New Jerseys Fair Credit Reporting Act ( N.J.S.A. 56:11-28 et seq. ), which mandates that credit reporting agencies maintain accurate and verifiable consumer data and prohibits the continued reporting of inaccurate or unverifiable information. EQUIFAXs continued reporting of these items in this manner is misleading, harmful, and unlawful under both federal and state statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-31 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: 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 explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-31 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: TN

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-31 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-31 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation