vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-29 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX 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 2025-05-29 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: FL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Hello, I am notifying you of the incompetency of Experian to conduct a thorough investigation into my account. They have not yet reached out to me and it has been a month and I still see the discrepancies I have made a formal dispute on. Please further investigate this matter. Thank you. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
Hello, I am notifying you of the incompetency of Experian to conduct a thorough investigation into my account. They have not yet reached out to me and it has been a month and I still see the discrepancies I have made a formal dispute on. Please further investigate this matter. Thank you. 

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 2025-05-29 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: CA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I have previously disputed with TransUnion, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Earlier this month ( XX/XX/2025 ), Capital One closed both of my credit card accounts without any prior notice, despite my long-standing history of making multiple on-time payments every month. The closure was triggered by a few returned payments on one of my cards, caused by an honest mistake : I had recently lost my debit card and forgot to update it on file. As a result, several payments I attempted to make were returned. 

If Capital One had reviewed my account activity, they would have seen that I consistently make multiple monthly payments and have kept both accounts in good standing. I was not trying to avoid payment, the payments were returned due to the outdated debit card, which I would have corrected immediately had I received any communication. The payments is still made on time once I realized the situation of whats going on and there is nothing currently passed due. 

However, Capital One did not contact me, no call, no email, no warning of possible closure. Both of my credit card accounts were closed suddenly, even though only one account was impacted by the returned payments. 

I had recently paid {$140.00} in annual fees across the two cards and had accumulated travel rewards/miles, which I lost access to. I have called Capital One multiple times, submitted several requests and case escalations to have the accounts reopened, and each request has been denied without flexibility, understanding, or concern for the situation. 

This closure and Capital Ones refusal to help has put me in a tight financial position. Im still expected to pay off balances on cards I can no longer use, and Ive been denied any compensation for the rewards and benefits I paid for. 

I am respectfully asking the CFPB to help investigate this matter and assist in securing : A refund of the {$140.00} annual fees charged before the account closures. 
A review of Capital Ones policy and process for account closures without warning, especially when only one card was affected. 
A fair resolution regarding the rewards/miles that were removed from my account. 

I believe I have been treated unfairly for a minor oversight that could have been easily fixed with a simple notice. Instead, Ive been met with rigid policies, no support, and XXXX accommodation despite being a responsible and active customer. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I signed up for a fitness coaching program ( XXXX XXXX XXXX ) on XX/XX/2025. As part of their onboarding process, I was explicitly told by their coach to enter a falsely inflated income $ XXXXwhen applying for Affirm financing. 

I would not have qualified for the loan honestly. Their representative instructed me ( and others, as confirmed by another client ) to lie about income to access a XXXX plan. This was presented as a normal part of the process. 

I later realized how unethical this was and tried to withdraw from the program and dispute the Affirm loan. Despite providing a transcript of the call and screenshots from another client confirming she was told to do the same, Affirm denied my dispute and continues to hold me responsible for the loan. 

This complaint is about predatory lending practices and merchant-coached financial misrepresentation. I am asking the CFPB to investigate Affirms approval process and XXXX XXXX XXXX deceptive onboarding instructions. 

I am happy to provide documentation including : -A transcript of the onboarding call with XXXX XXXX  -A Discord message from another client confirming she was also told to falsify income -My dispute history with Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Ive called portfolio recover and asked what this debt was from. They plus not provide me any information. Please delete I have been homeless for over 10 years and just started getting social security. Please delete this debt, it is not mine for {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized charge labeled XXXX on my Square business debit card and froze the card immediately. I contacted Square Support and was told I could dispute individual charges, which I did. Upon reviewing my account, I found multiple fraudulent charges from the same merchant dating back to XX/XX/year>, totaling {$2500.00}, though I was only permitted to dispute {$1200.00} due to Squares XXXX dispute policy. 

Square denied all disputed transactions based solely on the fact that my chip card had been used and was in my possession. They failed to provide any transactional breakdown or substantial review and ignored third-party confirmation from the legitimate XXXX business, which stated : My card was never used on their platform. They are an online-only store, making it impossible for chip-based transactions to occur. 

Even after Square issued a new debit card, another fraudulent charge from the same merchant occurred on XX/XX/year>, confirming that my Square account, not just the card, had been compromised. Square failed to take this seriously. I contacted them again, followed all recommended actions, and was still denied resolution, with no option for escalation, no accountability, and no effort to recover the stolen funds. 
Due to Squares inaction and lack of protection, I was forced to close my Square business checking account entirely just to protect my business. This situation caused tangible harm, including lost wages, operational disruption, and emotional distress from constantly trying to protect my earnings. 

In response to my initial CFPB complaint, Square claimed that the charges were simply mislabeled and originated from XXXXXXXX XXXX XXXX They provided no supporting documentation, and I have never done business with that organization. This response was inadequate and misleading.

Square has demonstrated a complete failure to investigate unauthorized transactions, negligent handling of a compromised account, and no meaningful action to recoup or reimburse stolen funds. Most importantly Square has completely disregarded for my consumer protection rights under Regulation E.

Given the repetitive nature of the fraudulent charges, all coming from the same supposed merchant, and the confirmation that the legitimate business had no involvement, I am requesting a full refund of {$2500.00}. These circumstances present clear grounds for full reimbursement, regardless of Square 's internal XXXX policy. The pattern of fraud and Squares failure to secure my account justifies full restitution under fair business and regulatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
This is my forth formal complaint regarding a fraudulent, inaccurate, and unlawfully reported collection account allegedly associated with XXXX XXXX # XXXX, which continues to appear on my credit reports across all three major bureaus ( XXXX, TransUnion, and XXXX  ). Despite submitting XXXX previous complaints and providing ample evidence of inaccuracies, reporting inconsistencies, and unverifiable data, the credit bureaus and XXXX XXXX have failed to correct or delete the erroneous information. This conduct constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically the following : -Violations : 1. Inaccurate Reporting / Missing Data : Several entries lack critical reporting fields such as Date of First Delinquency ( DOFD ) or Date Opened, preventing accurate aging of the debt. Reporting accounts without a complete data profile is a direct violation of FCRA 605 ( c ) and 609. 2. Duplicate and Repetitive Reporting : The XXXX XXXX collection is being reported in multiple formats across the bureaus, which is causing duplicate derogatory entries and further damaging my credit profile. This is deceptive and unlawful under FCRA 607 ( b ). 3. Failure to Conduct a Reasonable Investigation : Disputes were submitted in good faith, yet the credit bureaus and data furnishers have not provided any meaningful results or evidence of investigation as required by FCRA 611. Their generic responses and inaction show a pattern of negligence. This collection account is now well past the stage of proper dispute resolution. If the item can not be fully validated and corrected with accurate, verifiable data, it must be deleted from all reporting agencies, as required by federal law. Continuing to report unverifiable or incomplete information is reckless, damaging, and illegal. I am requesting that the CFPB take enforcement action and ensure immediate deletion of this XXXX XXXX account from all credit bureaus. If this issue is not resolved in a timely and lawful manner, I will explore additional legal remedies, including complaints to the FTC, State Attorney General, and pursuit of damages for negligent and willful noncompliance under FCRA 616 and 617. I expect a timely response and written confirmation that this matter has been addressed fully and permanently.

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