vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX Il XXXX XXXX : ( XXXX ) XXXX XXXX Email : XXXX reference case ID XXXX XXXX XXXX XXXX  To whom this may concern : I am writing this letter regarding my loan through Affirm Loan Services that I am not satisfied with my purchase. The loan was made through the XXXX ( University XXXX XXXX. XXXX ). In the beginning the school made it seem as if I would be fully supported, but I feel as if I am left on a deserted island. 

False claims!!! There are no instructors but look at what their website says copy and paste this into a web browser and see for yourself... 

https : XXXX XXXX XXXXXXXX XXXX. Whos teaching?? No one taught me anything! I was made to feel as if the course was going to be led by instructorsteachingbut that was not the case. In fact, there was not much assistance at all. They threw me the course and I had to figure things out on my own. 

Refund Policy Its hard to make a decision within the first 7 days of a 4-month course. 

The full course is hidden and opens one week at a time, so therefore I can not see the whole course because its hidden but Im paying {$3000.00} for it???

Keeping the course hidden is misleading and then only allowing me 7 days to make a decision is deception. ( locking me in and then taking away my right to a make decision about if I want a refund or not. ) How can I? when I can not see the full course.

The first week is all is orientation/preliminary stuff and now my 7 days is up to ask for a refund but thats because Im being tricked into an unethical agreement by not allowing full access, I cant see my purchase. 

Now Im being tricked and telling me I only have 7 days ( Knowing the first 7 days is beginner-orientation stuff ). This is misleading and taking away my ability to make an informed decision about the course. If I can not see it, how can I make a decision??

I feel that I have right to like what I purchase and just because the merchant says only 7 days ... does that make it ethical? Is that reasonable thinking? How can I make an informed decision within 7 days when the whole course is 4 months long and hidden from me??

But only allowing me 7 days and I can not see the course in its entirety but still charging me for it. How do I know what I'm purchasing if I can not see it??

The course is deceptive on so many levels and I cant make all this up, I provided proof pictures and documentation. If they dont see it, that means they dont want to see it.

I am sorry things worked out this way but when I feel I am a victim of an unethical business practice it is my duty and responsibility to protect myself.

I wish to have this purchase cancelled due to an unsatisfactory purchase and misleading information. I would appreciate any assistance.

If you need any additional information please do not hesitate to contact me. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TN

Complaint narrative:
I enrolled XX/XX/year>2022 with National Debt Relief with 4 accounts. I contacted them about 3 months into the program with my concerns that they hadn't reached out to any of the creditors yet and they advised that it was standard procedure. I contacted them again once I began getting phone calls from the creditors because payments weren't being made. I was told I could not end my contract and that they would handle it. Well they withdrew 2 of the accounts because they stated could not come to any agreements. I paid them over {$12000.00} for {$7900.00} to actually be paid to the creditors. They state the other is there fees but I never got any paperwork or agreements that the amounts " paid '' were what was actually settled. According to my credit report the amounts XXXX says were paid don't match and are significantly different. I received a summons to court on 1 of the 2 accounts they withdrew and the other went to collections. My credit score dropped over XXXX points because of how this was handled and I'm still facing the issues with it 3 years later. They did not provide the services they said they would and I'm in a worse spot then I was with enrolling with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-01 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: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has closed all 4 of my credit card accounts I have had with them for over 8 years for no reason. I have had a relationship with Bank of America with a checking account and investment account and credit cards for over 15 years. In the letter they sent me they stated the closures was due to irregular transaction and or information on credit profile which makes no sense because my credit card has been used at the same places for over the 8 years I have had them and my credit score has been XXXX for the longest time and nothing has changed on my credit profile, no new accounts or anything. Bank of America is defiantly discriminating me for being XXXX  and having a last name with XXXX living in XXXX. I am beyond frustrated because such a thing should have not happened to me. Bank of America has been my primary account for the longest time and if they had concerns they should have contacted me. if they had concerns they should have also closed my checking accounts as well why only my credit cards. The only reason of closure here is my last name and they can not deny it. I have called them to try to apply for reconsideration which they said the accounts are permanently closed and would not assist me in any way. I am beyond disgusting of the way Bank of America is behaving and not even giving me a second review. I have all the proof that there are no irregular transaction nor irregular activities on 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 2025-04-01 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:
Subject : Immediate Action Required Legal Violations Due to Data Breach To Whom It May Concern, I am writing to formally demand an immediate response regarding the data breach that has compromised my personal information due to your organizations negligence in securing sensitive data. Your failure to implement adequate security measures has resulted in a clear violation of multiple XXXX federal statutes governing data protection, privacy, and cybersecurity. 

This breach has not only exposed sensitive information but has also placed me at significant risk of financial fraud, identity theft, and other damages. Your actionsor lack thereofconstitute a blatant disregard for legal and ethical responsibilities as outlined under federal law, including but not limited to : The Federal Trade Commission Act ( 15 U.S.C. 45 ) Unfair or deceptive trade practices, including failure to adequately protect consumer data.

The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ) Failure to properly safeguard consumer financial information.

The Health Insurance Portability and Accountability Act ( HIPAA, 42 U.S.C. 1320d-5 ) If the breach involves protected health information.

The Computer Fraud and Abuse Act ( 18 U.S.C. 1030 ) Unauthorized access to computer systems leading to data compromise.

The Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Unauthorized use or disclosure of personal identifying information. 

The Data Breach Notification Laws ( Various XXXX State Laws and 15 U.S.C. 6801 et seq. ) Failure to notify affected individuals in a timely and proper manner.

Given the gravity of this situation, I demand that you provide me with : A full and detailed disclosure of the nature of the breach, including when and how it occurred.

A list of all personal data compromised and any third parties that may have gained unauthorized access.

The immediate implementation of enhanced security protocols to prevent future breaches.

Compensation for any financial or reputational damages incurred due to your failure to protect my personal information.

A written commitment ensuring compliance with all applicable data protection laws.

If I do not receive a satisfactory response within [ reasonable time frame, e.g., 10 business days ], I will pursue all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), state attorneys general, and seeking legal action under the aforementioned U.S. codes.

I strongly urge you to take this matter seriously and rectify the situation immediately. Failure to comply will result in swift and aggressive legal action to the fullest extent of the law.

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 2025-04-01 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: CA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my Credit Report : My latest credit report shows 15 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

TRANSUNION INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX EXPERIAN INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : EXPERIAN BUSINESS CRED DATE : XX/XX/XXXX EQUIFAX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My credit score dropped tremendously over the last 6 months due to an error. I have tried numerous times to correct it with no success. 

On XX/XX/XXXX it shows to have dropped XXXX points because dept of education reported a payment 90 days late. This happened because I didnt know I even owed Dept of Education debt. The school my granddaughter entered fraudulently signed me for her school loan. I had no idea they were doing it. They led me to believe they were simply using my income to get her a reduction in her payments. So I talked to Dept of Education and got the loan deferred until I can get that straightened out. I was informed that they reported to the credit bureau on XX/XX/XXXX that I was no longer in default. 

My credit report showed a XXXX point increase on XX/XX/XXXX and then dropped XXXX points again on XX/XX/XXXX due to some error .. it was involving the Nelnet acct. again but not sure why. The explanation is very vague but definitely an error. 

I pay all of my bills very timely and am quite upset about this. I am trying soon to buy a house and need it straightened out satisfactorily. 

Thank you for any help you can provide!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: Westlake Services, LLC
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-01 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-01 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: NJ

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.

Complaint narrative:
I made a transfer from my card to my local bank and it mentioned in one email it will be deposited latest on the XXXX but nothing yet. And I made transfers before and there was no problem

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 2025-04-01 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: SC

Complaint narrative:
XXXX XXXX XXXX OPEN IN XX/XX/24 IN THE AMOUNT OF {$2000.00} AND XXXX XXXX XXXX and also 12 inquires that i did not authorize. This account is fraudulent and need to be removed from my credit report. I have sent documents numerous times to remove these accounts The 12 inquiries are attached to this complaint and prove that these accounts are fraud

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 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Upon reviewing my credit I noticed an {$8000.00} collection from Columbia debt recovery dba Genesis Credit Monitoring from XXXX XXXX XXXX XXXX. I was not residing in the joint lease after XX/XX/scrub>/2023. I in fact emailed and in person informed the office I was not resigning a lease starting XX/XX/scrub>/2023. XXXX XXXX my roommate confirmed she was staying and finding a roommate. I paid her a prorated amount, which she accepted for the remainder of the lease ending XXXX, XXXX 2023. I already signed a lease with XXXX and moved in XX/XX/year>2023. I am not responsible for any charges after XX/XX/scrub>/2023. Which itemized are month to month charges and damages that I am not aware of nor contractually agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Bank of America regarding a credit card account that appears on my XXXX Credit Report ; with a balance of {$230.00}. The account is not mine, and it is affecting my credit score negatively given the fact that the account is past due. My XXXX report indicates that this account was opened in XX/XX/XXXX of XXXX, which would make it impossible for me to open this account because I was XXXX at the time in XXXX XXXX. 

I was unable to provide any information on the account to B of A, because my credit report does not provide any specific information on this account. I contacted XXXX today and requested a Dispute on 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
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Equifax for improperly reintroducing previously removed accounts onto my credit report Complaint Against Equifax Unauthorized Reinsertion of Accounts The accounts in question are : XXXX XXXX ( Account # XXXX ) I previously disputed these accounts, and they were successfully removed from my credit report on XX/XX/year>2025. However, on XX/XX/year>2025, these fraudulent accounts were reinserted without any notification or validation. This reinsertion violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 611 ( a ) ( 1 ) ( A ) : Requires credit reporting agencies to complete a proper investigation when a consumer disputes an item, verifying its accuracy or deleting it. FCRA 611 ( a ) ( 1 ) ( B ) : States that if an item is found to be inaccurate or can not be verified, it must be removed or corrected. FCRA 611 ( a ) ( 5 ) ( B ) : Specifies that if an item is reinserted after being previously deleted, the credit reporting agency must notify the consumer within five business days. Equifax has failed to meet these legal obligations. The reinserted accounts appeared on my credit report without my consent, without proper notification, and without any evidence of validation. I request that Equifax immediately remove these accounts from my credit report and ensure they are not reinserted again. If this matter is not resolved promptly, I will pursue all legal remedies, including a claim for damages up to {$1000.00} per violation under the FCRA.

Company response to consumer: Closed with non-monetary relief