vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
On XX/XX/year>, I purchased a XXXXXXXX XXXX XXXX XXXXugh Affirm for an amount of {$530.00}, sold by XXXX XXXX. The package was delivered to my home on XX/XX/scrub> XXXX XXXX XXXX XXXX while I was at work. Although the package was marked as delivered, I never physically received the productit never came into my hands. 

Upon returning home that day, I searched everywhere in my house, even under all possible places, and when I could not find it, I immediately contacted XXXXXXXX XXXX XXXX XXXX XXXX  to report the situation. During the call, a claim was opened, and XXXX XXXX even offered to send a replacement, which I declined due to the risk of the same situation happening again. They also informed me they would initiate the refund process along with the claim. 

On XX/XX/year>, XXXX XXXX sent an email stating they had canceled my order and would apply a credit for any payment made. 

However, on XX/XX/year>, XXXX XXXX sent another email stating that their investigation had concluded and they would NOT provide a refund or replacement, encouraging me to contact local law enforcement. 

Since then, I have opened a total of XXXX disputes with Affirm ( most recently on XX/XX/year> ), providing all requested documentation, including : Police report FedEx delivery confirmation Evidence of communication with XXXX XXXX ( calls and emails ) Proof that I NEVER received the product in my possession Despite providing all evidence, Affirm continues to close disputes in favor of XXXX XXXX, claiming proof of delivery, even though the product never reached my hands. 

I request that the CFPB intervene to review the actions of Affirm and XXXX XXXX, as I am being forced to pay for a product I never received, despite acting in good faith and following all procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hired an individual named XXXXXX/XX/XXXX come clean and wash my clothes. I'm XXXXXXXX XXXX XXXX XXXX XXXX  At some point he gained access to my phone without my permission and over a few days he XXXXXXXX XXXX XXXXimself over {$1000.00} through XXXX. I filed a claim with XXXX XXXX and they denied me due to a very unclear reason. Claim XXXX Their reason " Due to the login history evidencing authorization and/or participation in the electronic activity. '' This is untrue if they are claiming I participated. i intend to file a small claims suit if this isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

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 2025-12-02 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
Received the following email ( below ) from e-trade stating that a promotional bonus of {$750.00} would be paid with deposit of {$75000.00} or more into a savings account. I signed up by clicking the link in the email and deposited {$80000.00} and waited 2 months, but I never received this promotional bonus. 

I called on XX/XX/25 inquiring when the bonus would be paid and was told that I had to enter a promo code when transferring the money. The email never specified a promo code and I used the link in the email to transfer which also did not specify entering any code.

I believe this is deceptive practice by e-trade and should be investigated to determine if this is a more widespread issue. Original email is provided below : -- -- -- -- -- -- -- -- -- -- E * TRADE from Morgan Stanley is more than just investing. Through Morgan Stanley Private Bank , National Association, Member FDIC, weve also made it easier to get strong returns on your cash. 

With a Premium Savings Account, you can earn 4.00 % Annual Percentage Yield,2 a leading rate among our competitors, and 9X the national average.3,4 Just imagine, thats an annual return of {$400.00} for every {$10000.00} deposited in your account.5 Plus, for a limited time, you can also earn up to {$750.00} when you open an account by XX/XX/XXXX. 
-- -- -- -- -- -- -- -- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They did not follow the proper 5 step validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account is taken off immediately. 
XXXX XXXX Acct # XXXX {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I tried to make a full payment of XXXX of my bill on Wednesday XX/XX/year> which was 4 days before my due date for the interest to be charged on my account. Once I made the payment, my apple card payment looked clear on my phone wallet with no further payment needed for next 2 months. So I went on and continued using my card, but I got a notification at XXXX XX/XX/XXXX on my Apple Card wallet that my card was declined and I was charged a full interest of {$100.00}. So what the company did, was it did not inform me about a declined card/not enough fund up until my payment was due so that they can charge me the interest! This feels very unfair and more like a scam to charge the interest to customers. If I had known before my due date, I would have made the payment with another card in order to avoid the interest. I have been a very valuable customer to Goldman Sachs and always pay my bill in full prior to due date. I decided to contact the customer service and this was their response.

I understand how upsetting this feels, and Im truly sorry for the frustration it has caused. You made every effort to pay on time, so not being notified about the declined payment until after the due date understandably feels unfair. I hear your concern about interest charges and how this situation impacts your trust. I'll transfer you to an Apple Card supervisor and they will help you better with your interest charges, would you like me to transfer you? 

Once I was talking to supervisor this was her response. 
I know you did not want this to happen and trust me if I could waive the whole amount I would help you because I know you were being responsible with this. Sadly, we can do {$25.00} to lend you a hand. 

Iam surprised that Goldman Sachs being such a huge company refused to give my full interest back while they failed to inform the customer about declined card before the due date ( so that aI cod avoid the interest ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-02 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: FL

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 youhave 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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To : Wells Fargo Claims Assistance Department Fax Number : XXXX Phone : XXXX Email : XXXX XXXX Pages : XXXX ( including cover sheet ) Subject : Claim Reference Number XXXX Deposit Error Regarding Account Ending in XXXX Wells Fargo Claims Assistance Department XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Claim Reference Number : XXXX Account Ending in : XXXX Claim Amount : {$8100.00} Dear Claims Assistance Team, I am faxing this letter to request further help with a deposit issue tied to the claim above. 
When I made the deposit, it included XXXX items : A settlement check, A {$100.00} bill, and XXXX. Another check. 



Another check. 
The total deposit should have been {$8100.00}, but the image capture failed, and not all items were counted. This was an important deposit, and its very frustrating to deal with this kind of error. 
Please review this again and credit the missing amount. I truly need this resolved as soon as possible. 
Thank you for your time and help. 


The total deposit should have been {$8100.00}, but the image capture failed, and not all items were counted. This was an important deposit, and its very frustrating to deal with this kind of error. 
Please review this again and credit the missing amount. I truly need this resolved as soon as possible. 
Your recent investigation into my dispute failed to provide any substantial evidence that the merchant was contacted during the investigation period, as required. According to the response I received, no documentation or communication logs were provided that would substantiate the merchants response or verify the validity of the charges in question. This calls into serious question the adequacy of your investigation under 12 CFR 1005.11 ( c ) of Regulation E, which requires a good-faith investigation with consideration of all relevant information.

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 2025-12-02 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:
XX/XX/year> - I informed Experian that XXXX was not able to see my credit to determine approval for a vehicle and that the tradelines wasn't showing. I requested that they unfreeze and unlock my credit so my creditors could view and use my credit to determine approvals. 

XX/XX/year> - I visited XXXX XXXX and requested a loan and they were not able to see the tradelines either. They said it says " No credit '' because no tradelines are showing. I can pull up my credit and the tradelines are showing along with the XXXX XXXX, but the creditors can't see any tradelines. I explained all this to Experian on XX/XX/XXXX twice and also XX/XX/year>. It is also hard to get someone on the phone because they have it set up with a automated line that will not transfer you to a customer service specialist and eventually hangs up on you. I tried getting through to speak to someone on XX/XX/year> at least 5 times. 

My legal name is XXXX XXXX XXXX and they other names listed that is not my legal name. In addition there is a XXXX XXXX listed as my name and I need it removed as well.

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 2025-12-02 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: FL

Complaint narrative:
Equifax is reporting a collection from XXXX XXXX XXXX that I previously disputed online. Equifax did not provide validation or correct the reporting. The account continues to appear without Equifax supplying proof of ownership, itemized statements, or documentation from the original creditor. I am requesting a full reinvestigation of this account because it remains unverified and inaccurate.

Company response to consumer: Closed with explanation