vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was approved for XXXX loans with Affirm for my XXXX XXXX purchases. XXXX was for the amount {$2500.00}, totaling {$3000.00} after interest. The second loan was for the amount of {$440.00}, totaling {$530.00} after interest. XXXX XXXX issued a refund on behalf of the {$440.00} amount. Instead of Affirm cancelling the original loan for the amount of {$440.00}, they applied {$440.00} to the {$3000.00} loan. I've called Affirm multiple on XX/XX/year> times to resolve this issue ; however, their employees told me there is nothing they can do, which is unacceptable. The refund of {$440.00} should've closed out the original loan. XXXX XXXX representatives told me they are willing to help in any way possible to fix this issue, unlike Affirm. After being on the phone with Affirm for HOURS trying to resolve this matter, no resolution was made. Affirm is refusing to reject the refund, to allow the XXXX XXXX XXXX to re-process the refund to the right account. Affirm is refusing to help resolve this matter. I will NEVER be doing business with Affirm again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I object to the reporting of accounts attributed to my name that I did not authorize. Please examine this matter closely and delete them. Enclosures are provided.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
The following letter dated XX/XX/year> summarizes my complaint against MOHELA  and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX To : MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Loan Denial and Request for Discharge Account # XXXX To Whom It May Concern, I am writing to formally dispute your denial of my application for discharge of my private student loans. These private Navient loans were obtained to attend XXXX XXXX ( parent company XXXX XXXX XXXX ( XXXX ) ), which has been found to have engaged in fraudulent and predatory practices that directly affected my decision to enroll and borrow. Your denial cited insufficient supporting evidence in my School Misconduct Discharge application as a reason for rejecting my petition, thus I invite you to read the extensive documentation at https : //brooksborrowers.org/data/, which includes evidence of : The school misrepresenting material facts regarding its accreditation, job placement rates, program quality, transferability of credits, and much more. 
The strategic and nefarious ways these misrepresentations pressured me and my fellow students to borrow the maximum amounts under false pretenses, causing us great harm which continues to this day. 

You can read an additional 4600+ pages of documents supporting my claims at https : //brooksborrowers.org/document-catalog/. 

Under federal and state consumer protection laws, including the FTC XXXX and XXXX Unfair and Deceptive Acts and Practices ( UDAP ) statutes, contracts based on fraud and misrepresentation are void or voidable. Continuing to enforce this loan constitutes collection on a debt obtained through unlawful and deceptive means. 

I am respectfully requesting that you : Reconsider and approve a full discharge of this loan, given the schools misconduct and my reliance on false information. 
Provide me with a written explanation of your decision, citing the specific reasons and evidence relied upon. 
Cease any negative reporting to credit bureaus while this dispute is under review. 

If I do not receive a satisfactory resolution within XXXX days, I will : File a complaint with the Consumer Financial Protection Bureau ( CFPB ), Submit evidence to the Virginia Attorney Generals Office, Explore legal remedies, including asserting defenses against repayment in any collection action. 

Please treat this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for investigation under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your prompt attention. I expect your written response within the required time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally file a complaint against AE ( American Express ) for their improper closure of my checking account and the unjust forfeiture of my account rewards points, without proper written notice. 
I have an AE Platinum card. On XX/XX/year>, I opened a Rewards Checking account and transferred all XXXX Rewards Points in my Platinum card to the checking account through customer service over the phone. Then I closed the XXXX card. The reminder emails asking me to transfer funds into the new account unfortunately went into my spam folder. Due to my busy work, I did not see the emails in time and therefore failed to transfer funds into the new account. As a result, on XXXX XXXX, AE closed my checking account without sending any official written notification by mail. What is more concerning is that the account in question held a rewards points balance of XXXX points, which I estimate to be worth approximately {$1700.00}. These points were unjust forfeited along with the account closure. I was completely unaware of the closure until it had already occurred. 
I have made multiple attempts to resolve this issue directly with AE : I called their customer service line numerous times. 
I submitted a written appeal by mail. 
I sent emails to their support team and even wrote directly to the XXXX 's office. 
Despite these efforts, I either received responses stating that the points can not be reinstated, or I received no response at all. 
I believe this action is unfair, as AE failed to provide appropriate and accessible notice before closing my account and forfeiting the points I had rightfully earned. I am requesting that the forfeited points be reinstated and transferred to my another account under AE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
My identity was stolen via a bad actor who took over every single account I had created for XXXX years, including my Current accounts. This is an online bank with a limited website. The only way to access my accounts is by downloading their application, which can only be accessed with a phone number and email account. I have been dealing with identity theft since XXXX of this year. I've been informed by XXXX that all of the apps I had in my icloud are corrupted at the developer level. Apparently, these apps can not be corrected and will infect whatever device I try to access them with. For example, XXXX friends tried to help me access my accounts by downloading my Current apps to their phones-both had to change their phone numbers and replace their iPhones due to malware garnered via my corrupted Current application. I have reached out to this bank several times for help getting into my account, yet I am immediately disconnected or left on hold indefinitely. I need this bank to provide the statements I have requested they mail, as well as help recouping hundreds of dollars stolen by cyber-terrorists whom I can only report to the police with copies of my corrupted bank statements! I have been forced to update my emails and phone countless times with photos of both my driver 's license and myself with my driver 's license, which gave criminals even more information to use by identity theft. I have been reaching out with all of the above, yet I am still unable to get help from Current. Please, help me get this sorted out. Thank you! I am attaching a screenshot of the latest call to Current when I was left on hold for more than twenty-five minutes! I could hear the person take me off hold, then back on hold several times. I can not send anything else due to this bank 's access to accounts being limited to their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-03 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: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
In XX/XX/year> I open an account with XXXX XXXX at the same time I XXXX  my XXXX XXXX XXXX As a result I under went XXXX XXXX to stabilize my ankle and correct the fracture during this time being unable to walk I called XXXX and cancelled my account right after ( they confirmed on the phone the account was closed ) due to being unable to walk. Recently I have been contacted by a credit agency saying I owe XXXX XXXX {$300.00} but when I called XXXX XXXX they said the balance was only {$120.00} and when I checked my account it also reflected {$120.00}. When I called XXXX XXXX to talk about this discrepancy the woman ( XXXX XXXX XXXX XXXX XXXX XXXX  said the extra charges were for future delinquent payments. I tried to close the account and pay the {$120.00} she would not allow this and kept demanding {$300.00} over the phone she repeated multiple times you owe {$300.00} give me your credit card number and pay it off. I believe XXXX XXXX  is incorrectly reporting the amount I owe to the credit agency and is allowing a closed account to be charged until it reaches a substantial balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX, and XXXX XXXX Bank XXXX and XXXX XXXX XXXX Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX BANK 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 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I sent a request for information about a reported late payments and charge-off information. Affirm received my letter, as it was sent certified with a signature required. They have failed to respond to my inquiry. However, they're still reporting the negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MO

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 2025-10-03 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: MI

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AL

Complaint narrative:
I borrowed about {$6600.00} in XXXX. After years of payments, AES/PHEAA now XXXX my current principal is over {$13000.00} and projects repayment of ~ {$23000.00} at 8.87 %. The attached AES letter ( XX/XX/year> ) shows an unexplained interest rate change without disclosing the prior rate, making it impossible to verify accuracy. The attached comparison chart shows how AES has inflated my balance through interest capitalization. I request CFPB require AES to provide a full interest rate history, a clear ownership chain, and a recalculated balance based on principal only. 
They refuse to provide a clear chain of ownership for my loan, which has cycled from XXXX XXXX to XXXX Bank trustee to XXXX securitization trust, and they will not disclose prior vs. new interest rates for comparison.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation