vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-27 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: NC

Complaint narrative:
I am writing to dispute a XXXX  inquiry on my credit report. I believe this inquiry 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 2025-10-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute a XXXX  inquiry on my credit report. I believe this inquiry is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 
The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: ME

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX  Online ( Order # XXXX ) using Affirm. The order misgenerated in the system and was cancelled within seconds, before any fulfillment could occur. An identical corrected order was placed immediately afterward. Order # XXXX was never processed or shipped, and XXXX confirmed that no payment was ever captured and that the transaction remained only in a pending authorization hold status. This hold should have automatically expired within a few days, and no loan should have been created. 

Despite this, Affirm created XXXX ID XXXX and is treating this cancelled authorization as an active installment loan with scheduled payments and interest totaling {$240.00}. It has now been over 20 days since the cancellation, and the loan remains active despite no merchandise being shipped or received. 

Affirm has also blocked nearly XXXX times this amount from my available purchasing power, preventing me from using my Affirm account entirely. This is a coercive and punitive action that is restricting my access to credit and causing financial and emotional harm. Affirm is effectively holding my account XXXX over a cancelled order that was never fulfilled. 

I attempted to resolve this through XXXX customer service. I remained on hold for over XXXX minutes. XXXX confirmed the order was cancelled and never shipped but refused to transmit the cancellation to Affirm. XXXX representatives stated that a supervisor refused escalation. Affirm will not cancel the loan without this transmission from the merchant of record. As a result, I am being charged interest on a non-existent transaction, and my available credit is being unfairly restricted. 

I am requesting that the CFPB require Affirm and XXXX  to : Immediately cancel Loan ID XXXX in full Remove all interest or fees Confirm the authorization hold has been released and cancellation transmitted Restore my full purchasing power and ensure no negative impact to my credit Evidence will be provided, including screenshots showing Affirm listing the loan as active, blocking available credit, and XXXX  showing the order as cancelled/pending with no funds captured. 

Thank you, XXXX XXXX As shown in the attached screenshot, XXXX identical orders were placed on the same day. The first was cancelled immediately due to a system misgeneration, and the second was the valid version of the order that was actually fulfilled. Affirm is treating the cancelled order as a separate loan, effectively double-charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a major issue with Synchrony as a financial institution and their financial practices. I have XXXX store cards through Synchrony and they have a practice where they regularly lower your credit limit to the balance owed, thereby reducing your available credit and affecting your credit score. On XXXX card I made a major XXXX time purchase and they continued to reduce my credit limit til it was a couple XXXX dollars less than the original purchase. Then the following month they closed my account. Due to financial strain I was not able to pay the full balance prior to the promotional interest amount expiring and the compound interest was added to my balance. As such it appears I am almost $ XXXX OVER my credit limit or using well over 100 % of my credit. They have also charged MONTHS of late fees when I've paid my credit card on the due date and their system allowed me to select that date only to find out after looking at months and months of late payments that payments received after a certain time are processed on the following date. Other cards are transparent and won't let you select the due date if you're submitting it past the " due by '' time.

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 2025-10-27 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: IL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
After applying online for a Capital One credit card and was approved but the next day my account was " restricted ''. I was never even notified that account was " restricted ''. Only after logging into my online account was made aware of account restrictions. I immediately called Capital One and was transferred to their " fraud dept '' where I was told that I had to verify my identity by taking photos of my drivers license ( front and back ) and then taking a live " selfie '' to remove restriction. I complied, and after completing it showed that everything was " accepted and my identity has been successfully verified. But rep said no " selfie wasn't accepted ''? I did this exact same process XXXX or XXXX more times over the course of a week. With the exact same results, it showed that my " identity has been successfully verified '' but reps always said no, identity not verified?? How is that possible? So, the only other option I was given was to submit my drivers license ( front and back ) along with proof of address ( current utility bill ) via email or fax and given case # XXXX. Then I must wait up to 10 days to be manually reviewed and then I will receive a call. I sent all requested documents via fax ( 3 times ) and waited. On the XXXX day I called after never receiving a call and was told my docs weren't accepted and couldn't disclose anything further. How can GOVERNMENT ISSUED drivers license ( with current address ) " not be accepted ''??!! Then I was told to wait a few weeks and just apply again or I could open new case and submit same documents again! Rep stated regardless that my account is now permanently restricted and will be closed eventually is new documents arent accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Please review this entry ; it seems delayed and might contain an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am unable to get any credit report from any agency included your site. I do not receive my mail sometimes and recently applied for a credit card. I never received the letter given to applicants who try to apply. I suspect fraudulent activity because I had my personal items ( ID, social security card, etc. ) stolen. I hope this is helpful in finding the help that is needed to check my credit.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am unable to get any credit report from any agency included your site. I do not receive my mail sometimes and recently applied for a credit card. I never received the letter given to applicants who try to apply. I suspect fraudulent activity because I had my personal items ( ID, social security card, etc. ) stolen. I hope this is helpful in finding the help that is needed to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX Kia XXXX from XXXX Kia in XXXX  XXXX and financed it through Kia America Finance. 

In XX/XX/XXXX, I legally changed my name after marriage and requested that Kia update my loan and title information. From late XXXX through XXXX, I spent approximately XXXX months repeatedly contacting Kia representatives because the company kept sending my title to the wrong XXXX office in Texas. My request was eventually escalated before the name change was finally processed, and my registration updated. 

In XX/XX/XXXX, I paid off my vehicle loan and requested a lien release. By XX/XX/XXXX, after waiting the standard processing period, I was told no lien-release request had been submitted. Following additional escalation, Kia acknowledged that it did not have my vehicle titleapparently it had been sent back to the dealership during the earlier name-change process and was never recovered. 

Since XX/XX/XXXX, I have been in contact with a Kia America Finance representative, who confirmed ongoing delays due to the lost title. I have provided multiple documents as requested, including a letter of authorization on XX/XX/XXXX, but Kia has since stated that the Texas XXXX requires new and changing documentation ( drivers license copy, power of attorney, certified check from Kia ). As of XX/XX/XXXX, my title has still not been released, and I have been unable to obtain the lien release or clear ownership of my vehicle despite paying off the loan XXXX months ago. 

I am seeking assistance to ensure Kia America Finance fulfills its obligation to release my lien and correct my title.

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 2025-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am a XXXX resident and an account holder of XXXX XXXX  ( Georgia ), XXXX. ( XXXX division of XXXXXXXX XXXX XXXX XXXXXXXX ). 

On XX/XX/year>, a paper check was issued from my XXXX XXXX  ( XXXX ) account to my daughters Chase Bank account in the United States. According to XXXX XXXX, the check was paid on XX/XX/year>. 

My daughter deposited the check via the Chase mobile app on XX/XX/year>, around XXXX XXXX XXXX. On XX/XX/year>, she discovered her Chase account had been locked. Despite multiple phone calls and confirmation from XXXX that the check was valid and paid, Chase insisted that I must provide a U.S.-based mobile phone number under my name for verification even though I am a XXXX resident and do not have XXXX. 

By the end of XXXX, my daughter received a paper notice that her account had been closed, and the funds have not been refunded to me. 

On XX/XX/year>, we visited the Chase XXXX XXXX ( XXXX, MI ), but the staff said they couldnt handle the issue. On XX/XX/year>, another branch repeated that the only solution was to provide a U.S. phone number. 

This requirement is unreasonable and discriminatory toward XXXX residents who use legitimate cross-border banking channels. I request that Chase return the funds and review its verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-27 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
b'My family members and I received calls today from an unidentified company stating a complaint was scheduled to be filed out of XXXX XXXX XXXX and that I needed to contact XXXX XXXX XXXX to get information. I called that number and spoke to a "XXXX XXXX" who stated he works for XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Ca XXXX  fax # XXXX XXXX XXXX He stated that there is a file from Bank of America for a breach of Financial Contract dated prior to XXXX and that they will be serving me papers tomorrow.\nI do not have a Bank of America account, nor have I been a Bank of America member in the past 25 years. I advised "XXXX XXXX" of such and told him I look forward to receiving the papers he says will be delivered tomorrow.'

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally express my my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs finding indicates that Zelle has not only neglected to protect the consumer, but has also allow repeat offenders to exploit systems, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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