vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-28 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:
I am filing this complaint because Experian is reporting several accounts and inquiries that I believe are inaccurate, incomplete, or can not be verified. 

Charged-Off Accounts Under Dispute I am disputing the accuracy of the following charged-off accounts on my Experian report : XXXX XXXX {$2300.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX {$0.00} XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX {$400.00} XXXX BANK XXXX XXXX {$2700.00} XXXX XXXXXXXX {$880.00} XXXX XXXX XXXXXXXX {$670.00} Some of these accounts show inconsistent dates, balances, or data compared to other bureaus, and some appear to be updated incorrectly. I request full validation, including account ownership and accurate balance history. If verification can not be provided, I request removal. 

Inquiries Under Dispute I do not recognize the following inquiry : XXXX XXXX XX/XX/year> Please provide verification that I authorized this inquiry. If it can not be validated, I request that it be removed. 

Late Payments Under Dispute I dispute the late payments reporting on : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These late payments do not match my records. I ask Experian to verify accuracy with full payment history. 

I am requesting that Experian investigate and remove or correct anything that is inaccurate or unverified.

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 2025-11-28 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a formal complaint regarding a failed dispute investigation for a transaction of {$86.00} dated XX/XX/year> ( Merchant : Sa_wellbeing-theliven ). 

I was charged for a 3-month subscription but canceled immediately. Crucially, the merchant BLOCKED my access to the service, marking my account as " Expired '' as early as XX/XX/year> ( proof attached ), even though the paid period was valid until XX/XX/year>. 

I disputed this charge twice with Goldman Sachs ( Apple Card ). I provided the bank with clear screenshot evidence showing that the merchant had revoked my access and the service was NOT rendered. 
XXXX. XXXX XXXX evidence submitted : XX/XX/year>. 
XXXX. XXXX XXXX evidence submitted : XX/XX/year>. 

Despite possessing proof that the service was blocked/inactive, Goldman Sachs XXXX XXXX dispute in the merchant 's favor on XX/XX/year>. The bank failed to investigate the evidence properly and allowed the merchant to retain funds for a service they intentionally withheld. 

Additionally, the transaction in my XXXX XXXX still shows " No Credit Applied '' for the 2 % Daily Cash, indicating a further failure in processing this transaction correctly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report numerous accounts that do not belong to me despite multiple written disputes sent via mail. 

The ONLY accounts I have opened or authorized are the following XXXX ( all current and paying as agreed ) : XXXX. Michigan XXXX and Government XXXX XXXX Account # XXXX XXXX. Michigan XXXX and Government XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Every other trade-line, collection, public record, or inquiry currently appearing on my credit reports is the result of identity theft, error or mixed file and does not belong to me. The bureaus have failed to conduct a reasonable investigation and simply verified these fraudulent items with XXXX evidence. 

I have already sent multiple letters to fix the situation and the bureaus have not deleted the fraudulent items. This is a willful violation of FCRA 611 and 623. 

I request that the CFPB direct all three credit reporting agencies to immediately delete every account except the XXXX legitimate ones listed above. 

Regards, 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 explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion continue to report numerous accounts that do not belong to me despite multiple written disputes sent via mail. 

The ONLY accounts I have opened or authorized are the following XXXX ( all current and paying as agreed ) : XXXX. Michigan XXXX and Government XXXX XXXX Account # XXXX XXXX. Michigan XXXX and Government XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Every other trade-line, collection, public record, or inquiry currently appearing on my credit reports is the result of identity theft, error or mixed file and does not belong to me. The bureaus have failed to conduct a reasonable investigation and simply verified these fraudulent items with XXXX evidence. 

I have already sent multiple letters to fix the situation and the bureaus have not deleted the fraudulent items. This is a willful violation of FCRA 611 and 623. 

I request that the CFPB direct all three credit reporting agencies to immediately delete every account except the XXXX legitimate ones listed above. 

Regards, 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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have been using a public Wi-Fi signal near my home and my debit card information was collected along with other information that I have not provided to anyone. I informed my bank and was credited back the money. 
All of a sudden all of the money that had been credited, was removed from my account, leaving my account negative over {$1200.00}. 
There are more transactions that need to be disputed but they have been made unreachable to me and I have the right to dispute unauthorized transactions. 
I have been discriminated against because there was no kind of communication or considerations made before someone just decided to replace the disputed transactions back on my account at the same time when they were disputed at different times and the full time to investigate was not even reached.. 
There is no reason for my account to be recharged. I work all day for the money that I get and I dont blow it on XXXX and XXXX XXXX. These things were delivered all at times that I am at work or asleep. It's obvious what happened and some people at Navy Federal had blocked me from being able to dispute any more transactions that have potentially happened and, they are also hiding my transactions online so that I can't see them to be able to distinguish which ones are fraud and can not manage my account correctly since j can't view ALL OF MY TRANSACTIONS AND THEIR STATUS. I'm being treated like the bad guy for no reason and the people at Navy Federal are misjudging the wrong person as

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I want my home loan to be sold to another company, like XXXX XXXX, because my experience with XXXX XXXX  has been consistently poor, especially when it comes to customer service. The biggest issue I face is that XXXX struggles to understand basic details about my payment schedule. I get paid biweekly on a set salary, but they repeatedly have trouble processing this and seem unable to handle it smoothly. Every time I need to make a payment, I end up on the phone with their customer service, explaining the same issue over and over, which is incredibly frustrating. 

In comparison, my experience with XXXX XXXX  was 10x easier and stress-free. Their customer service was responsive and understood my payment structure without issue. The process was streamlined, I could make payments easily, and I didnt have to waste time explaining my situation every month. They made everything feel much more manageable, and I felt like they genuinely understood how to work with me as a customer.

RoundPoints lack of customer support and their inability to understand basic payroll schedules is a major inconvenience, and its becoming a real hassle. I just want to work with a company that is more responsive, efficient, and actually understands my needs as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 fol
lowing items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I recently received a notice indicating that I have an outstanding balance with Cardinal Fin, but I am not familiar with the specifics of this debt. I do not recall entering into an agreement that would result in this debt, and I have not received sufficient information regarding the origin of the debt, the amount owed, or any related details. As such, I am requesting that you validate this debt and provide the necessary documentation to confirm its legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
I am filing this complaint because several items appearing on my credit reports with the three major credit bureaus ( XXXX, Experian, and XXXX  ) are inaccurate, incomplete, or can not be properly verified. I have attempted to resolve these issues directly with the credit bureaus but have not received satisfactory responses. I am requesting the XXXX XXXX XXXX XXXX assistance in ensuring that my reports are corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 


Charged-Off Accounts in Dispute XXXX XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX Reported dates : XXXX | Balances : {$0.00} {$82.00} Dispute : These accounts should not reflect as charged off or in collections ; several show {$0.00} balance and appear closed or paid. Please verify and correct status. 

XXXX XXXX Account # XXXX | Date : XX/XX/XXXX | Amount : {$740.00} Dispute : Reporting inconsistent across bureaus. Please confirm charge-off validity and date of first delinquency. 

XXXX XXXX XXXX Account # XXXX | Date : XX/XX/XXXX | Amount : {$91.00} Dispute : This debt is not recognized. Please provide validation or remove if unverifiable. 

XXXX XXXX XXXX Accounts # XXXX ( {$520.00} ) and # XXXX ( {$800.00} ) Dispute : These appear to be duplicate or unverifiable collection accounts. Please request proof of ownership and original creditor documentation. 

Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dispute : These hard inquiries were not authorized by me. Please confirm permissible purpose or remove. 

Late Payments in Dispute XXXX  # XXXX XXXX XXXX  # XXXX XXXX  # XXXX Dispute : Late payment reporting appears inaccurate. Please verify with payment history.

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm Inc Loan ID : XXXX and XXXX I am filing this complaint because Affirm created a loan for a XXXX registration transaction that was never completed. The XXXX charges XXXX separate fees when processing registration : 1. The main registration amount XXXX dollars and XXXX dollars XXXX. A separate credit card processing fee XXXX dollars and XXXX Affirm approved the loan only for the main portion, but the XXXX declined the second fee ( the card-processing charge ). Because this second fee could not be charged, the XXXX did NOT complete my registration and no service was delivered to me. 

I have documentation showing that : The XXXX payment was declined for the credit card fee The entire registration transaction was not processed I did not receive the service that the loan was supposed to pay for Even though the XXXX transaction failed and I received no service, Affirm is still keeping the loan active. I contacted Affirm multiple times and explained that the XXXX did not complete the transaction, but Affirm has not canceled or refunded the loan. Their support has not helped resolve this issue. 

Affirm issued a loan for a service that was not completed due to a payment failure, and therefore I am being billed for something I never received. I tried to resolve this directly with Affirm, but they have not taken appropriate action.

I am requesting the CFPBs assistance in having this loan canceled or reversed, as the transaction did not go through and I did not receive the XXXX service. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX, I identified an inaccurate entry on my credit report related to XXXX XXXX XXXX showing a balance of {$1700.00}. I reviewed my records and confirmed that I do not owe this amount and did not open or authorize any account connected to this debt. 

After noticing the issue, I disputed the item with the credit bureau and requested validation from the company. XXXX XXXX XXXX did not provide proper verification and did not respond to my request. 

The inaccurate information is still appearing on my credit report, and it is negatively affecting me. I am requesting that this entry be investigated and removed if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I need help filing a complaint about XXXXXXXX. Im trying to pay back my loan, but Im having financial problems. XXXX is charging me about {$21.00} in interest every day, and my balance keeps going up even when I make payments.

I asked them for a hardship plan because I cant keep up, but they told me they cant help me at all. Im doing my best to pay, but the daily interest is making it impossible. I need assistance. the interest is too high and just the other day i paid {$300.00} and the rest was XXXX and now its at XXXX i need help so i can go back to school i XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CO

Complaint narrative:
I am disputing the following inquiries on my credit report as I do not recognize them, nor do I recall authorizing them. Please investigate these inquiries for accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized, and I request that they be investigated and removed if found to be inaccurate or unverified.

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