vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am submitting this complaint against both Affirm , Inc. and XXXX due to the ongoing reporting and mishandling of an account I never authorized or verified, Account # XXXX. 

I am filing this complaint against both Affirm , Inc. and XXXX for their continued reporting of an unverified and disputed debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal debt validation request to Affirm regarding Account # XXXX, invoking my rights under 15 U.S.C. 1692g and 12 CFR 1006.34. I requested verifiable proof of the debt, including a signed agreement and itemized payment history. 

Instead of providing a signed contract or valid documentation that meets legal standards for debt validation, Affirm responded on XX/XX/XXXX with unsigned generic documents ( Truth in Lending Disclosure and a Loan Verification Letter ). These do not constitute legal validation of the debt. 

Despite this, Affirm has continued to report the account to Experian, who in turn claims the information was verified without conducting a proper reinvestigation as required under 15 U.S.C. 1681i. This is a clear violation of both FCRA 1681s-2 ( b ) and the Metro 2 Compliance Guidelines, which require that unverifiable information be deleted or updated. 

I have attached my original debt validation letter and Affirm 's inadequate response as supporting evidence. I respectfully request that the CFPB enforce compliance and protect my rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The account was updated to a charge off by credit union after disputing for inaccurate payment history. Experian has now reported the payment as the original status that has already been overturned. Account currently incorrectly reports as in XXXX days late.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-05 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: Kikoff Inc.
State: MS

Complaint narrative:
Kikoff Lending LLC Account Number : XXXX, has violated my rights. 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 : 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, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I asked Kikoff Lending LLC for a debt valdation letter or any kind of paperwork with my signature on it and they failed to do so. This account is fraudulent I don't recognize it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-05-06 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified. 
2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-06 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
b"My name is XXXX XXXX XXXX XXXX. I am an American Express client since XXXX, my social security is XXXX, Credit card number AMEX XXXX XXXXXXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX indiana, XXXX  On XXXX XXXX XXXX, I was charged $XXXXXXXX by XXXX via American Express for two roundtrip business class airline tickets (XXXX). The travel dates were XXXX XXXX to XXXXXXXX XXXX XXXX.\n\nOn XXXX XXXX XXXX, we were denied boarding on the initial business class flight due to overbooking. After more than 10 calls to XXXX, we were rebooked in economy class without our consent on an alternate routing. A delayed connection caused us to miss the flight to XXXX  and incur over $XXXX in hotel, meals, and transport costs in XXXX XXXX On XXXX XXXX and XXXX, we were again downgraded from business to economy, including on a 16-hour international segment from XXXX XXXX  to XXXX. We also lost a prepaid connecting flight and business meetings.\n\nXXXX refused to issue any refund or monetary compensation and only offered non-transferable vouchers, which we rejected.\n\nI submitted two disputes to American Express: XXXX and XXXX. Despite clear evidence (tickets, boarding passes, receipts, emails), both disputes were closed citing XXXX refund policy. This is not a refund case, but a clear breach of contract and non-delivery of the purchased service. American Express failed to uphold its responsibilities under Regulation Z and the Fair Credit Billing Act."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I canceled my service and payed the last bill that was due after canceling and kept getting charged months after for new bills when i have documentation that i cancelled around the time i paid the last bill and wells fargo ruled in the company favor withought giving me an opportunity to share my side, just for the company to admit they made a mistake and wells fargo will not get my account back out the negatives for the amount they thought i owed.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app refused to dispute the fraudulent/scam transaction in my account which cost XXXX dollars and its hard to reach an actual person during those days ( XXXX )., It was mostly automated chat bot helping to dispute the fraudulent/scam transaction so theres no further help or explanation to process with a real person and they just made a claimed and I waited for 3 weeks just for them to denied my claimed which is frustrating because theres no reasoning and they havent closed the scammer account after I reported it so it continues its illegal doing and more victims will fall for it again which is ridiculous for such a big company cash app and its been years gone by I still havent gotten my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 2025-05-06 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: GA

Complaint narrative:
I am submitting a formal dispute against XXXX XXXX for unlawfully re-aging a charged-off account reported to all three credit reporting agencies, as referenced by Equifax Report Confirmation XXXX, Experian Report Number XXXX, and TransUnion File Number XXXX. The account was charged off and closed in XXXX, yet all three credit bureaus continue to show monthly updates through XX/XX/XXXX, with no new consumer activity or repayment agreement in place. This pattern of updating a closed charge-off account constitutes illegal re-aging in violation of FCRA 1681c ( a ) ( 4 ), which prohibits derogatory accounts from being re-aged based on post-charge-off notations. Each bureau shows a charge-off status being updated month after month, which misrepresents the accounts true age and severity. Past due balances are being reported by all credit reporting agencies, at the same time as charge off and profit and loss write off. This is materially misleading and violates FCRA 1681e ( b ), which requires the furnishing of maximally accurate and fair data. Furthermore, under FCRA 1681i ( a ) ( 5 ) ( A ), any information that can not be verified or is reported inaccurately must be deleted. There is no basis for continued monthly updates when the account is closed, charged off, and there is no contractual or financial activity. Accordingly, I formally invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion of this tradeline from all three credit reports within three business days, as authorized by law. If the information is not removed, I will pursue formal escalation to the FTC, IRS, and other enforcement agencies to address willful noncompliance with federal consumer protection laws.

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 2025-05-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: AL

Complaint narrative:
As of XXXX I have not had access to my account. Skylight XXXX ( XXXX ) said they blocked it due to verification when XXXX XXXX submitted all documents requested multiple times. My manager at XXXX has also emailed with no response. Now Skylight XXXX wont respond or answer any of the numbers I have called. Im an employee of XXXX & this is a pay card that I was provided when I was hired also in which verification was done initially prior to any deposits being made for over 2months. We have contacted cs 8x & have not been able to talk to anyone to resolve this issue. Just on hold for over 2hrs with music playing. I have called all of these numbers I found available online XXXX & XXXX with no answer only music playing. I need a supervisor direct contact these issue has been since Friday without access to over {$500.00}. There was no FRAUD release the block so I can access my funds or close the account & send a check to address on file. I need my money!!! I have attempted to contact cs over 8x up to 2hrs on hold with music playing. Im about to report to CFPB & XXXX. My money has been stolen or withheld without cause after I have submitted all the things requested.I may have been scammed. Im XXXXXXXX XXXX XXXX XXXX & worked hard for & to save this money.

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 2025-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
Car is totaled loss and covered by insurance but they still want me to pay the balance. 
XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Collection agency name : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Dear XXXX, I recently reviewed a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contact or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information, 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collet, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Collection agency name : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Dear XXXX, I recently reviewed a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contact or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information, 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collet, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt 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 non-monetary relief