vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
i had a loan with affirm for a XXXX  and it got charged off they said it was cuz of insufficient funds but i didnt ignore the payments i got messages saying they would charge me so i thought it was working i was going through a lot at the time like mental and health stuff and i told them i also said i had an iep in school and i dont understand stuff like this good i asked if they could remove the charge off as a one time thing but they said no even after talking to a supervisor i just want a chance to fix this and move on i still want to use affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CO

Complaint narrative:
On XXXX XXXX I realized I could not access my account with XXXX XXXX XXXX. When I called the credit card company they said my debt had been sold To XXXX XXXX XXXX XXXX When I went to XXXX  they claimed I owe {$13000.00}. When I requested proof of this debt including : The name of the original creditor ; A copy of the original signed agreement or judgment ; Documentation showing that you are legally authorized to collect this debt, they could not provide this. I would like this Debt removed from my credit report including my reports with Equifax, XXXX, and XXXX  as they are now also showing an XXXX XXXX XXXX  XXXX that does not exist and is negatively impacting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX XXXX I realized I could not access my account with XXXX XXXX XXXX. When I called the credit card company they said my debt had been sold To XXXX XXXX XXXX XXXX When I went to XXXX  they claimed I owe {$13000.00}. When I requested proof of this debt including : The name of the original creditor ; A copy of the original signed agreement or judgment ; Documentation showing that you are legally authorized to collect this debt, they could not provide this. I would like this Debt removed from my credit report including my reports with XXXX, Experian, and XXXX  as they are now also showing an XXXX XXXX XXXX XXXX  that does not exist and is negatively impacting my score.

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 2025-05-08 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Several companies accessed my credit report without my authorization, negatively impacting my credit score. Although an Experian representative confirmed these inquiries would be removed, they remain. These unauthorized pulls raise serious concerns about potential identity theft and continue to cause undue stress.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have identified a significant issue on both my TransUnion and XXXX credit reports, where a charge off is being reported for XXXX XXXX, account number XXXX, dated XX/XX/year>2019, with a balance of {$4300.00}. This entry is both troubling and potentially damaging to my financial profile. Given the ongoing risk of data breaches, it is not unreasonable to suspect that this account may be inaccurately reported or even compromised, resulting in severe financial consequences for me. Despite this, I have not received any proper validation or verification from the creditor, as required under the Fair Credit Reporting Act ( FCRA ), to confirm the legitimacy and accuracy of this account. This lack of transparency and oversight directly violates my rights as a consumer, as outlined in 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ). It is unacceptable for an account of this magnitude to be reported without thorough and complete verification, especially when it continues to harm my creditworthiness and financial reputation. The persistent reporting of this potentially inaccurate charge off has created ongoing stress and financial strain, affecting my ability to secure credit and financial opportunities.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Went thru call numbers with Bank of America, waited over an hour, and spoke to 2 different representatives. on XXXX between XXXX PDT. 

Very simple request. Want full guide to benefits offered with these cards... the fine print stuff to compare rental car waiver benefits, possible trip insurance, etc. Want info on 2 existing cards and the XXXX XXXX XXXX  XXXX. 

Have had existing cards for over 10 years. Have the B of A mobile app, and also use the website. Those sites say I need to call to get that information. I did that and see the top paragraph. 

It has been clear to me that the credit card providers don't make this this information easy to get. In the past, such information is provided very slowly via snail mail. 

I want to file a complaint. Long time customer of Bank of America, and abhore this treatment.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I signed a financing agreement through Westlake Financial for a XXXX XXXX XXXX ( XXXX : XXXX ) at XXXX XXXX XXXX XXXX. The total cash price listed on the contract was {$23000.00}, and the dealership indicated a {$2100.00} down payment. However, I only paid {$700.00}, which I can prove through my bank records. 
The dealer promised that the car would arrive within 3 days, but it took more than 9 days. When the car finally arrived, it had serious and undisclosed damage : extensive hail dents, a front-end collision, worn-out tires, and dirty engine oil. None of these issues were disclosed in the photos I was shown or in the XXXX report. 
I refused to take delivery of the car and immediately reported the issue to Westlake Financial, providing photos and documentation. Despite this, Westlake denied my request to cancel the financing, stating the damages were cosmetic. This is not true the condition of the car affects its value, safety, and integrity. 
I am requesting that the loan be canceled, that no negative credit reporting be made, and that this case be investigated due to misrepresentation, contract inconsistencies, and unfair practices by the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-09 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 EXPERIAN 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 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My son mad a {$950.00} deposit on my account on XX/XX/XXXX atm took the money and said it was an error to call the number on the screen to verify the money is in the account t. XX/XX/XXXX we called the bank they said wait XXXX business days. On XX/XX/XXXX I called the number again which said I should go to the bank and speak with a rep, rep said I should call the number that referred me to the bank that they are the ones that access the video. At this point the bank should be aware that the atm has XXXX $ that was un accounted for with an open case. No one has called me yet I have bills to pay and I am seriously thinking about calling the police and getting a lawyer involved. Supposedly this was going to get expedited but I believe that was just said to get rid of me. This was the Chase bank in XXXX NJ

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NC

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 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: MD

Complaint narrative:
Capio Partners has been reaching out ot me via text and phone call since XX/XX/year>. I have received text messages on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have also received calls from the following phone numbers XXXX on XX/XX/year>, XXXX calls from XXXX on XX/XX/year> and XXXX on XX/XX/year>, XXXX on XX/XX/year>, and a call from XXXX on XX/XX/year>. 

This harassment without an explanation must stop. This debt is not mine and it should be deleted from my credit report by Capio Partners.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I ordered 4 batteries and a charger in XXXX, 2024. I received only 2 batteries and a charger which were defective. I could not locate a telephone number for the merchant. I sent two e-mails to merchant in XXXX, which were " undeliverable ''. The e-mails and other information were provided to CapitalOne, my credit card company, after I filed a dispute. CapitalOne initially provided a credit, but later reversed it. CapitalOne claimed that it had not received one piece of information. I spent an hour on the telephone with a CapitalOne representative inputting the information via computer. I was later advised that CapitalOne had not received the information via computer, so I mailed a hard copy. I followed up with telephone calls to CapitalOne. Initially I was told that they hadn't received it. Finally, the representative told me that my dispute claim had been denied because the item was " illegible ''. I acknowledge that the print on the hard copy was faint, but it was readable. I asked if she could access the original document and she said she could not, so I mailed the original hard copy. Finally, I was just informed that CapitalOne was denying my dispute claim because my time to file a claim had expired... IT EXPIRED DUE TO CAPITALONE 's DELAYS, NOT MINE. At this point I am out {$100.00} and have only a half order of defective merchandise to show for it! CaitalOne 's claim number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
This report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XX/XX/XXXX$1000.00} XX/XX/XXXX{$880.00} XX/XX/XXXX{$1000.00} XX/XX/XXXX {$1300.00}XX/XX/XXXX {$760.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX {$400.00} XX/XX/XXXXXXXX BALANCED {$820.00} XX/XX/XXXX XXXX BALANCED {$620.00}XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX {$860.00} XX/XX/XXXX XXXX BALANCED {$880.00} XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX XXXX BALANCED {$840.00} XXXX & XXXX XXXX BALANCED {$0.00} XXXXXX/XX/XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this complaint regarding the permanent limitation placed on my PayPal account ( XXXX ) without a fair or transparent resolution process. Despite fulfilling all documentation requestsincluding a government-issued ID, proof of service, and business detailsPayPal refused to reinstate my account. 

I relied on PayPal to manage my online business transactions. My account was permanently limited on XX/XX/year>, following a short review triggered by unusual activity and disputes. I had already addressed these issues by submitting supporting documentation on XX/XX/year>. Despite this, PayPal did not provide me with a clear or appealable path to restore my account. 

Furthermore, PayPal ruled in favor of buyers in recent dispute caseseven though services were renderedwhich caused me financial loss and a negative balance. I also dispute the claim that I attempted to bypass account limitations by opening new accounts ; I have not done so. 

The explanation provided cites risk factors including anonymizing proxies and shared devices, which are common in remote work environments and not necessarily indicative of fraud. PayPals policy enforcement has been vague and overly broad, severely impacting my ability to access and manage funds. 

I have already submitted a complaint to the XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ), but PayPal has refused to reconsider its decision. I am now requesting that the CFPB investigate this matter and compel PayPal to reopen my account or provide a legitimate and appealable path for reinstatement. 

I believe the action taken was overly punitive and lacked due process. This has negatively affected my business and financial well-being. I am seeking fair treatment and a clearer resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: LA

Complaint narrative:
I am writing in response to a notice I received regarding an alleged debt you claim I owe. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and is not an admission of liability for this debt.

Please provide me with the following information : The amount of the alleged debt ; The name of the original creditor ; A copy of the original agreement or contract bearing my signature ; A detailed accounting of the charges and payments applied to the alleged debt ; Verification that you are legally authorized to collect this debt in my state ; Proof that you have the right to collect on behalf of the original creditor, or documentation that the debt was purchased or assigned to your agency.

Please cease all collection activity and communication regarding this debt until the requested validation is provided. If you fail to provide proper validation, you must cease further collection efforts and remove any negative information you may have reported to credit reporting agencies regarding this account.

This letter is sent for the purpose of obtaining information and is not an acknowledgment or acceptance of the alleged debt.

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