vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the negative credit reporting related to a student loan allegedly in my name through XXXXDepartment of Education . I recently became aware that multiple delinquent payments from this loan have been reported to the credit bureaus between XXXX and XX/XX/XXXX and were reported all at once. These entries have devastated my credit score, dropping it to a XXXX, and they do not reflect my payment behavior, history, or awareness of this loan. 
To say I was blindsided is an understatement. This situation has caused an immense amount of emotional XXXX, financial hardship, and confusion. I had no prior knowledge that this loan existed. My father graciously handled my tuition and student account matters back in XXXX, and neither he nor I were ever notified of a balance in my name or any missed payments until receiving the sudden default notice. Prior to this, I never received any billing statements, email notices, or mail correspondence regarding this debt and if I signed anything back then, I probably just assumed it was for school and not additional loans. 
Until this incident, I had an excellent credit history. Ive always paid my bills on time, was independently approved for both my car loan and apartment lease and have never carried delinquent debt. This unanticipated and unnotified reporting has now significantly jeopardized my financial future and opportunities. Whats most painful is that it happened without my knowledge or the ability to act on it beforehand. 
I respectfully request that this situation be reconsidered for removal from my credit report. I have already worked with XXXX to set up a repayment plan, despite never having been properly informed or billed. This shows my willingness to take responsibility, but I do not believe I should be punished for something I was not given the chance to prevent. 
I am asking, with deep sincerity, that you review this case not only from a technical standpoint but from a human one. I am XXXX XXXX XXXX and trying to build my life. One administrative gap has now placed that future at risk. 
Please consider removing or amending the negative credit reporting associated with this loan. I am also requesting an investigation into how and why proper notice was not given. 
Thank you for your time, compassion, and understanding in reviewing this appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the negative credit reporting related to a student loan allegedly in my name through XXXXDepartment of Education . I recently became aware that multiple delinquent payments from this loan have been reported to the credit bureaus between XXXX and XX/XX/XXXX and were reported all at once. These entries have devastated my credit score, dropping it to a XXXX, and they do not reflect my payment behavior, history, or awareness of this loan. 
To say I was blindsided is an understatement. This situation has caused an immense amount of emotional distress, financial hardship, and confusion. I had no prior knowledge that this loan existed. My father graciously handled my tuition and student account matters back in XXXX, and neither he nor I were ever notified of a balance in my name or any missed payments until receiving the sudden default notice. Prior to this, I never received any billing statements, email notices, or mail correspondence regarding this debt and if I signed anything back then, I probably just assumed it was for school and not additional loans.

Until this incident, I had an excellent credit history. Ive always paid my bills on time, was independently approved for both my car loan and apartment lease and have never carried delinquent debt. This unanticipated and unnotified reporting has now significantly jeopardized my financial future and opportunities. Whats most painful is that it happened without my knowledge or the ability to act on it beforehand.

I respectfully request that this situation be reconsidered for removal from my credit report. I have already worked with XXXX to set up a repayment plan, despite never having been properly informed or billed. This shows my willingness to take responsibility, but I do not believe I should be punished for something I was not given the chance to prevent. 
I am asking, with deep sincerity, that you review this case not only from a technical standpoint but from a human one. I am XXXX XXXX XXXX and trying to build my life. One administrative gap has now placed that future at risk.

Please consider removing or amending the negative credit reporting associated with this loan. I am also requesting an investigation into how and why proper notice was not given.

Thank you for your time, compassion, and understanding in reviewing this appeal.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX I got a hard inquiry from Capital One and I was declined credit because I had a freeze on my account by XXXX. I removed it and I got a letter stating that the reason for the decline is because my credit was frozen. All this happened today I called XXXX  twice and Capital One about the situation and XXXX  said to call Capital One and Capital One to me that the only way for them to remove the hard inquiry is if XXXX  does it. To no avail neither of them are trying to help me. Application ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CT

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Affirms handling of a disputed transaction with XXXX XXXX. 

On XX/XX/year>, I placed an order with XXXX XXXX for two wigs, which was financed through Affirm. I only received one wig, despite paying for two. 

The evidence provided by XXXX XXXX and accepted by Affirm is inconsistent and unreliable. The merchant gave me photographic proof showing two wigs on a scale at 671.5g. However, Affirm informed me that the merchant submitted different proof to them claiming the parcel weighed 640g. In contrast, the official XXXX  shipping label lists the parcel at 1.4 lbs ( 635g ). These three conflicting weights can not all be true. Furthermore, the merchants calculation and Affirms confirmation of one wig weighing 250g fails to account for the box ( 12x9x4 inches ), stuffing/filler, and free gifts that were included, all of which contribute to the total shipping weight.

The shipment itself confirms my concern. A 12x9x4 inch box is far too small to safely accommodate two wigs of different weights and sizes without risking damage. The box I
received contained only one wig, along with gift items and filler. Weight alone can not serve as conclusive evidence of two wigs being shipped. The hair companys warehouse evidence is inconsistent and is not verifiable proof as they can falsify their own records to favor their claim. 

Because XXXX XXXX is an international company shipping into the U.S., a commercial invoice is required for XXXX  shipments. Despite multiple requests, no such invoice has ever been provided. Affirm has denied my dispute multiple times while relying only on warehouse records, staged photographs, and contradictory weight claims. Without a commercial invoice, there is no credible proof that two wigs were ever shipped.

Affirms handling of this matter demonstrates a failure to protect the consumer. They accepted contradictory evidence and ignored my valid concerns, effectively allowing the merchant to falsify records in order to prevail. This process unfairly favored the merchant while dismissing my evidence.

As a result, I have been charged for merchandise I never received. If Affirm reports this account as delinquent, they will be furnishing inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). I have already filed a complaint with the Federal Trade Commission ( FTC ), and I am now requesting the CFPBs intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
Upon requesting my credit report from the credit bureaus, I noticed that there are multiple credit violations reporting to my credit report. According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent the verification of late payments, the original contract bearing my signature, and explanation of the amount and how it was calculated.

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 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I have been trying to pay off my last 2 payments for my PSLF loans that Mohela bought. They will not give me a payment amount for my IDR. They also refuse to send Federal Student Aid my information so they can process my Buyback of these 2 payments. It seems like they would rather I become homeless in 3 months then do their job. I am a teacher and my rental that I am currently living in will no longer be available after XX/XX/XXXX. This will put me homeless. I am in the process of purchasing a home but they will not approve the loan because my debt to income ratio is terrible with my student loans. I am just asking for them to do their job. They knew what they were purchasing when they decided to start this company. We should not suffer because they made a bad business decision.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 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: Block, Inc.
State: CA

Complaint narrative:
I sent {$75.00} to my son 's CashApp account. Once I sent it I realized I used his old inactive account. I tried cancelling it within 3 minutes. The app on my phone would not go to the cancel screen. I logged into my account on my desktop and the cancel feature would not pop up the " confirm cancellation '' site. I contacted the company and instead of helping me they wanted my son to call and activate his old account. He has a new account and does not need two. They kept telling me to cancel it since it is pending but their app version and their desktop version have " glitches ''. I believe CashApp deliberately disables the cancel features so they can hold on to money that goes to accounts that can't accept funds. They would not let me talk to a supervisor and said someone will get back to me at some point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: UT

Complaint narrative:
I registered with Chime under a promotion I found online, offering a {$350.00} bonus for setting up direct deposit. I have fully complied with the conditions of the promotion.

I contacted Chime multiple times through chat support to confirm my eligibility. Later, I spent over an hour on the phone with customer service. I was told that I wasn't going to get it because I got a welcome {$100.00} bonus and I couldn't receive two bonuses, I told them it doesn't make sense I got a lower bonus and then that'd excuse from getting the promised one, because I registered from the promo, I wasn't even refered by anyone. Finally, I asked to talk to a manager, and he assured me that I would receive the bonus within 7 business days. It's been more thst 7 business days.

It has now been more than 6 weeks since I received my direct deposit and written confirmation that I'll receive the bonus, and I have still not received the {$350.00} bonus. I am about to receive my 4th direct deposit with Chime, and despite fulfilling all the stated requirements, the bonus has not been credited to my account.

I believe Chime is failing to honor the terms of their promotion, and I am requesting that the {$250.00} bonus be applied as promised. I have screenshots and records of my communications with Chime available if needed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 2025-09-15 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: FL

Complaint narrative:
XXXX XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
XXXX XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law. 
Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law. 
FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

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 2025-09-15 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: TX

Complaint narrative:
I am submitting this formal complaint against EXPERIAN for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), federal law, and Texas state law by illegally reinserting previously deleted information without providing the required written notice. Specifically, the following account has been reinserted without proper notification : XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$12000.00}. This action was taken without EXPERIAN sending me any proper notice, email, or communication, which constitutes a direct violation of FCRA 1681i ( a ) ( 5 ) ( B ) and my consumer rights.

Furthermore, EXPERIAN is reporting this account as a charged-off debt with questionable balance details, unverifiable payment history, and inconsistencies in reporting. According to FCRA 1681e ( b ), credit reporting agencies are legally obligated to ensure the maximum possible accuracy of the information they furnish. EXPERIAN has failed to meet this obligation by maintaining inaccurate and incomplete reporting practices. Texas state law further reinforces my right to accurate, fair, and transparent reporting, and EXPERIANs conduct violates both state and federal consumer protection statutes.

In addition, EXPERIAN has disregarded FCRA 1681i ( a ) ( 1 ) ( A ), which requires a lawful reinvestigation of disputed items. Instead of conducting a proper investigation or providing documented proof of accuracy, EXPERIAN has allowed the reinsertion of unverifiable information. Under 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be permanently deleted. By continuing to report this account without sufficient verification, EXPERIAN has willfully ignored federal law, failed to protect my consumer rights, and caused me significant harm.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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