vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of the American Express account, which is currently reporting erroneous data on my XXXX credit file. 

On XX/XX/year>, I submitted a Willful Noncompliance Affidavit along with supporting documentation to American Express, disputing the accuracy of the reported account. The materials were sent via XXXX XXXX Mail, and delivery was confirmed by signature. Despite this, I received no response within the legally mandated timeframe, which constitutes multiple violations of federal law. 

Violated Statutes and Regulatory Provisions : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or reasonably should know is inaccurate.

15 U.S.C. 1681s2 ( a ) ( 8 ) ( E ) ( i ) If a furnisher designates a dispute address, the consumer must send disputes there ; I complied via certified mail.

15 U.S.C. 1681s2 ( b ) Upon receiving notice of a dispute from a credit reporting agency, furnishers must investigate and correct inaccurate information. Failure to do so within the statutory window is a violation.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies must complete reinvestigations within XXXX days, extendable to XXXX days if additional information is provided. No investigation was completed. 

12 C.F.R. 1022.43 Under Regulation V, furnishers must conduct a reasonable investigation of direct disputes and respond within the same timeframe.

15 U.S.C. 1681g I have the right to obtain all information in my credit file, including the source and purpose of any entry. No substantiating documentation has been provided.

15 U.S.C. 1681b Credit inquiries and account reporting must be based on a permissible purpose. No such authorization exists in this case.

15 U.S.C. 1681n and 1681o Willful or negligent noncompliance with the FCRA subjects furnishers to civil liability, including actual damages, statutory damages, and attorneys fees.

Resolution Demanded : Due to the failure to investigate, respond, or correct the disputed information within the statutory timeframe, I am demanding the permanent deletion of the American Express account from my Equifax credit report. This demand is backed by federal law and supported by documented evidence of noncompliance. 

Please confirm deletion in writing and provide an updated copy of my credit report reflecting this correction. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Company : Affirm , Inc . 
Product : Personal Loan / Consumer Financing Issue : Refund not received Complaint Narrative : On XX/XX/year>, Affirm issued a refund check to me for approximately {$1500.00} related to an escrow overpayment. Unfortunately, the check was sent to my old address after I had moved. I contacted Affirm support in late XXXX to request a reissued check. The agent stated that the matter was escalated. 

However, after waiting several weeks with no refund, I contacted support again. The next agent stated there was no documentation of the escalation. That agent also promised to escalate, but I have again received no follow-up or refund. It has now been nearly XXXX months since the original check was mailed. 

I have repeatedly asked for confirmation that Affirm : XXXX. Placed a stop payment on the original check, and XXXX. Reissued a replacement check to my current address. 

To date, I have received no confirmation and no refund. The lack of accountability and documentation has caused financial hardship. 

I am requesting that Affirm immediately : Cancel the original check, Reissue my {$1500.00} refund to my correct address, and Provide written confirmation of the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
Equifax, Experian, and TransUnion unlawfully reinserted previously deleted fraudulent accounts and inquiries without notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I also submitted an FTC Identity Theft Report and proof of identity, which requires blocking within 4 business days under 15 U.S.C. 1681c-2. They failed to comply. I request immediate permanent deletion and blocking of these items.

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 2025-09-30 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:
This is now the third time I am submitting a dispute regarding fraudulent and inaccurate information that continues to appear on my credit report. Despite previous submissions, the reporting agency has failed to comply with its obligations under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B 15 U.S.C. 1681c-2, which require a proper reinvestigation and the removal of unverifiable or fraudulent accountsXXXX XXXX XXXXXXXX Account No : [ Insert ], Balance Owed : $ XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Account No XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXThese accounts were not authorized by me, do not belong to me, and are inaccurately reported as charged off. Their continued presence demonstrates a failure to maintain accurate reporting and a violation of my rights as a consumer and victim of identity theft. 
Additionally, my file still shows an unauthorized inquiry from XXXX XXXX  dated XX/XX/year>, which violates : FCRA 619 15 U.S.C. 1681q ( obtaining information under false pretenses ) FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( restricting access to permissible purposes ) The failure to correct these items has caused significant harm, affecting my ability to move forward financially, emotionally, and professionally. Each review of my credit report reveals the same fraudulent accounts and unauthorized inquiry, showing a pattern of negligence and willful noncompliance with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I enrolled in XXXX XXXXXXXX XXXX XXXXXXXX XXXX in early 2012 and borrowed approximately {$15000.00} in federal student loans to pay for the program. During enrollment, the school promised that it had qualified instructors, adequate staff, and job placement services that would help me find stable employment after graduation. These promises were made in person by admissions staff and were also presented in school brochures and promotional materials. 

In reality, many classes had no instructors or insufficient staff, and there were no functioning job placement services. Graduates of the school earned very low wages, with some making as little as {$8500.00} annually, and nearly 25 percent defaulted on their student loans. The school has since closed, confirming it could not provide the promised education or career support. 

As a result, I am left with unmanageable debt for a program that did not provide the skills or opportunities that were promised. I am requesting that my situation be reviewed and that appropriate action be taken to address the financial harm caused by the schools misrepresentations and failure to deliver its educational programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am filling to formally dispute inaccurate or omitted information currently associated with my credit report. Upon reviewing my file, I discovered that multiple student loan accounts have either been omitted completely or are not reporting delinquency details in a manner consistent with other credit bureaus. These discrepancies not only reflect inconsistently on my credit profile but also constitute violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ). XXXX XXXX XXXX * * * * Balance : {$6900.00} Under FCRA 623 ( a ) ( 2 ) and FCRA 611, both the furnisher and TransUnion are responsible for ensuring data accuracy and consistency. The lack of reporting or misreporting of this account must be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Red Target LLC
State: GA

Complaint narrative:
FACTUAL ALLEGATIONS XXXX. On or about [ To be supplied by Defendant ], Plaintiff do NOT recognize nor know this Defendant. The Defendant failed to identify company and failed to respond to debt validation letter sent XX/XX/year>. 

XXXX. Plaintiff relied on Defendants representations and disclosures when deciding to enter into the loan agreement. 
XXXX. Defendant engaged in unfair, deceptive, and unlawful conduct, including but not limited to : o Misrepresenting or failing to disclose key loan terms ; o Charging unlawful or excessive fees and interest in violation of state and federal laws ; o Engaging in abusive and unlawful debt collection practices ; o Breaching contractual duties owed to Plaintiff ; o Mishandling Plaintiffs personal and financial information, resulting in a data breach and privacy violations ; o Harassing Plaintiff in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX. As a direct and proximate result of Defendants conduct, Plaintiff has suffered financial losses, emotional distress, reputational harm, and damage to credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX balance ; {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: CA

Complaint narrative:
I was purchasing XXXX  from someone online and never received them so I asked for a refund and I canceled the refund before it was cleared it was still pending and didn't receive any friends so I contacted the company told me good notify me in XXXX  days it's been over XXXX  days and still nothing and it says proofing letter that I never see product or my refund I could see me ask for it the company says if I cancel before the payment was cleared that I could get a refund and they haven't refunded me and they did not make claim no reason why they denied it because it's in the proof saying I never received my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
Equifax, Experian, and TransUnion unlawfully reinserted previously deleted fraudulent accounts and inquiries without notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I also submitted an FTC Identity Theft Report and proof of identity, which requires blocking within 4 business days under 15 U.S.C. 1681c-2. They failed to comply. I request immediate permanent deletion and blocking of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
Equifax, Experian, and TransUnion unlawfully reinserted previously deleted fraudulent accounts and inquiries without notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I also submitted an FTC Identity Theft Report and proof of identity, which requires blocking within 4 business days under 15 U.S.C. 1681c-2. They failed to comply. I request immediate permanent deletion and blocking of these items.

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 2025-09-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
1681b Permissible purposes of consumer reports ( no unauthorized inquiries allowed ).

1681c Requirements on information excluded from consumer reports ( obsolete/incorrect info must be removed ).

1681i Reinvestigation of disputed information ; credit bureaus must investigate and delete unverifiable/fraudulent items within 30 days.

1681s-2 Duties of furnishers of information to provide accurate data and correct/remove fraudulent accounts.

1681c-2 Identity theft blocks ; requires credit bureaus to block fraudulent accounts after receiving an FTC Identity Theft Report XXXX. 

1681g Consumers right to disclosure of all information in their file.

1681h Conditions and form of disclosure ; free report rights when fraud occurs.

1681j Free credit reports for victims of identity theft.

1681m Duties of users of consumer reports in cases of adverse actions ( e.g., lenders must notify you of reasons for denial ). 
1692c Restrictions on debt collector communications ( they cant harass or contact without consent when debt isnt yours ).

1692d Harassment or abuse prohibited.

1692e False, deceptive, or misleading representations ; covers debts reported under your name fraudulently.

1692f Unfair practices ( collecting debts not owed, improper reporting ).

1692g Debt validation rights ; you can demand validation, and they must cease collection/reporting if they can not prove the debt.

1679b Prohibited practices ; protects you from unfair credit practices while disputing/removing fraudulent accounts.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ACXIOM CORP.
State: IL

Complaint narrative:
incorrect information on my file phone numbers and addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Data Check of America LLC
State: IL

Complaint narrative:
incorrect information on my file phone numbers and addresses

Company response to consumer: Untimely response
Consumer complaint received 2025-09-30 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting {$24000.00} on my credit report which is fraudulent. This is hindering me from buying a home for my family. I need this deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CO

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/scrub> 2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent account from XXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX a charge for XXXX $ from XXXX i did not authorize and XXXX told me i have to contact bank due to them not having a dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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