vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm , Inc. is reporting a fraudulent account on my credit report that I did not open, authorize, or benefit from. I notified Affirm and all three credit bureaus that I am a victim of identity theft and provided an affidavit, supporting documentation, and a formal dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite receiving my identity theft report, Affirm continues to furnish this account as valid. 

Affirm has not provided any documentation proving that I created, authorized, or used this account. They have not produced a contract, application, electronic signature, IP address, device ID, phone records, or any evidence connecting me to the alleged transaction. They also failed to provide the source or method of verification required under the Fair Credit Reporting Act. 

Affirms continued reporting of an unverified, identity-theft-related account is causing harm to my credit and violates the Fair Credit Reporting Act ( FCRA ). Their refusal to properly investigate or validate this account has negatively impacted my financial opportunities. 

I am requesting that the CFPB require Affirm to conduct a lawful investigation and either provide full documentation proving I opened this account or permanently remove this fraudulent account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
It sends the wrong message about my financial intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-12-04 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: NY

Complaint narrative:
Multiple accounts are appearing on my credit report that I do not recognize and never authorized. I did not open, manage, or consent to any of these accounts, and their presence is inaccurate and misleading. This misreporting is damaging my credit reputation and creating significant concern about potential identity misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  I received notice from Federal Student Aid that I was having my loans forgiven under PSLF. On XX/XX/XXXXXXXX  I received a letter from MOHELA stating that I was owed a refund of {$4800.00} for overpayment. The letter stated I would receive a refund within 90 calendar days. Once that passed, I began calling MOHELA and was given different reasons every time for why I hadn't received it. They told me things like their accounting department was backed up, they had escalated the matter, that the Treasury had been informed, and on my last call, I was told to stop calling because every time I did, my account went " to the back of the line ''. I contacted the Treasury and they have no record of MOHELA sending them information about my refund. It has been over a year now and I have not received my refund and customer service at MOHELA tells me a different story every time.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
XXXX XXXX                                                                     Tel XXXX XXXX XXXXlast   XXXX                                                                  Email  XXXXConsumer complaint \n\nupstart financial and loan company\n\nPaid off my loan  and I called to confirm that with their employee and he confirm to me  and I ask him to remove the auto pay since the balance  is been paid off  which he did but according to their calculation they found out I still owe XXXX dollars more which I wasnt aware  of it and I went out of town 6 weeks and after I come back I found out they sending  XXXX  dollars to  collection agent hitting my credit score with stupid  action  they took  the loan was XXXX  paid off but for XXXX  the screw my good credit score \n\nThey need to have some have a common sense  in business and customer service'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
Ascend loans is charging me XXXX $ interest on a loan of XXXX. I attempted to email them XX/XX/year> to set up a payment planor to settle for a more affordable plan and I have not received anything. The interest rate is illegal in my state due to usury laws in Florida. I would hope ascend loans could offer me a payment plan that is affordable or to close my account and forgive the loan due to the illegal interest rates. They currently state I owe XXXX on a XXXX loan. It states I would repay XXXX back to them with the insane illegal interest. 

The current payment plans they are offering me are still extremely high considering the original amount.

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 2025-12-04 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: LoanCare, LLC
State: TN

Complaint narrative:
We imitated our first payment on the XXXX of XXXX to our new mortgage company that purchased our mortgage in XXXX XXXX XX/XX/year> XXXX sub serviced by loan care pulled an unauthorized ACH payment from our checking account. When calling them to reverse or stop payment we are told that we would have to show a pdf of account showing payment with through and wait 30 business days for money to be returned. Also. We never gave LoanCare any permission to pull from any accounts. They also said they sent a letter on the XXXX of XXXX to let us know about our service transfer and if we had a auto draft with your previous mortgage company that they will deduct once your loan transfers. But again we did not authorize them to drafting my account or I would have never made a payment on the first.We have tried a stop payment through our financial institution but it has no been approved and we are very negative on our account due to a {$3000.00} unauthorized 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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Netspend Corporation
State: MD

Complaint narrative:
Issue is ongoing for more than a year. On XX/XX/year>, contacted NETSPEND CORPORATION, XXXX. XXXX XXXX, XXXX, TEXAS XXXX, and requested the funds for the 15th time in more than a year of the company holding my money and was told that funds will not be released without me providing the telephone number and email address associated with closed account despite the fact that I offered to provide State Id and selfies. I have since moved from XXXX to XXXX Maryland and have different address on State Id. I have not received my money in more than a year. Please help me resolve 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 2025-12-04 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: American First Finance, Inc.
State: IL

Complaint narrative:
I have been making payments on furniture I purchased and when I changed my card information I was overcharged. My payments were biweekly and they have been taking payments weekly. Plus, extra payment that I'm not sure about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MN

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 TILA US Code 1666B 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 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One refused my payments multiple times before charge off reporting a charge off with a balance of {$2500.00} never received a 1099C For with the Irs I previously requested history validation of balance never received inaccurate incomplete and unverifiable Im requesting deletion of the account From all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> multiple transaction were taken out of my account after I said no I wasnt the one doing the transactions. I filed the necessary paperwork showing I said no to the transaction and was denied twice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-12-04 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: FL

Complaint narrative:
I am filing a complaint because Equifax is reporting multiple derogatory accounts on my internal credit file that do not belong to me and were previously deleted. On XX/XX/, an Equifax agent advised me that the following accounts were still showing on Equifaxs end : XXXX XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} These accounts are not mine, and I never received any notice, billing, or validation from any of these furnishers. These items were deleted by XXXX  and XXXX  due to unverifiable information, and they also do not appear on my consumer-facing Equifax report or any third-party monitoring service I pulled. This indicates Equifax is maintaining outdated and inaccurate internal data. 

The Equifax agent stated that these accounts exist on Equifaxs internal file even though they do not appear on my actual report. This suggests illegal reinsertion without proper notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ), and failure to maintain accurate reporting under FCRA 607 ( b ). 

I am requesting : A full reinvestigation of each account. 

Deletion of every account listed above if the furnisher can not provide full, documented verification. 

A full consumer disclosure, including all suppressed, archived, or secondary files Equifax maintains on me. 

A written explanation of how these accounts were reinserted without proper notification as required by law. 

Equifax is reporting information that is inconsistent with the other two bureaus, inconsistent with my consumer disclosure, and inconsistent with my credit monitoring reports. This is causing harm, denial of credit opportunities, and inaccurate representation of my credit profile. 

I am requesting immediate deletion of these accounts and correction of my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO ME

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint because Experian is reporting multiple inaccurate, inconsistent, and unverifiable student loan late payments from XXXX, as well as a collection account from XXXX that appears unverifiable. 

1. Inconsistent and Erroneous XXXX XXXX Payments Experian is reporting 13 Dept. of EducationXXXX tradelines showing : Identical late-payment sequences ( XXXX ) across ALL loans Contradiction between 2 late payments remarks and 5 months of late-payment grid codes Past-due amounts that do not match delinquency severity Identical reporting patterns that indicate batch errors Last payment dates in XXXX but delinquencies coded only in XXXX Possible duplicate tradelines These issues violate : FCRA 1681e ( b ) maximum possible accuracy FCRA 1681i ( a ) reinvestigation requirements FCRA 1681i ( a ) ( 5 ) unverifiable information must be deleted Regulation V 12 CFR 1022.42 & 1022.43 XXXX v. Experian unreliable reporting requires deletion XXXX v. Equifax duplicate tradelines must be removed XXXX vXXXX TransUnion CRA must obtain independent verification 2 XXXX XXXX XXXX  Reporting Issues The XXXX XXXX  collection account has : No chain of title No proof of ownership No contract No itemized accounting Contradictory balance data This violates : FCRA 623 ( a ) FCRA 1681i FDCPA 1692g ( b ) ( by extension when reporting 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because Experian violated multiple sections of the Fair Credit Reporting Act ( FCRA ) during my dispute process. Experian refused to provide required information, misrepresented my rights, and admitted to using an automated system instead of performing a lawful investigation. 

Here is what happened : 1. Experian refused to provide the Method of Verification ( MOV ) After Experian marked an account as verified, I requested the Method of Verification under FCRA 611 ( a ) ( 6 ). 
The Experian representative told me : We dont do MOV. 

This is false and violates FCRA, which requires Experian to provide : The name of the person they contacted at the furnisher Their job/title The procedure used to verify the information The business name, address, and phone number Experian refused all of this. 

2. Experian admitted they did NOT conduct a reasonable investigation The representative stated : We just go off what the furnisher has. 

This means Experian did not : independently investigate review documentation verify evidence speak to anyone confirm accuracy They simply accepted whatever the furnisher provided. 
Courts have ruled repeatedly that this violates FCRA 611 ( a ) ( 1 ) because it is NOT a reasonable reinvestigation. 

3. Experian admitted they only used the E-Oscar automated system The representative also said : E-Oscar is provided by FCRA. 

This statement is completely false. 
E-Oscar is a private automated platform created by the credit bureaus and is not mentioned anywhere in the FCRA. 

Using only E-Oscar an automated dispute code system is not a reasonable investigation. 
Courts have held that E-Oscar alone does not satisfy FCRA investigation requirements. 

Experian admitted that : no human reviewed my dispute no documents were checked no evidence was examined the investigation was purely automated This violates FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ). 

4. Experian improperly canceled my dispute When I asked for MOV, Experian canceled my previous reinvestigation and opened a new dispute without my authorization. 
MOV is not a dispute and should not trigger a new one. 

This is another FCRA violation and an unfair handling of my dispute. 

5. Experian misrepresented consumer rights Telling a consumer : We dont do MOV. 
We just go off what the furnisher has. 
E-Oscar is provided by FCRA. 

is deceptive, misleading, and violates FCRAs requirement to handle disputes fairly and transparently.

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