vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Dear Affirm XXXX, I'm writing to express my disappointment regarding the recent decision to decline my request for a refund for the dental kit order. On XX/XX/XXXX, I received the kit and attempted to use it according to the instructions. As instructed, I boiled the kit in hot water to mold it to my teeth. However, I was then asked to redo the impression, which I expressed discomfort with, and subsequently requested a refund. 

I called XXXX request a refund, but was informed that it wouldn't be possible without paying an additional {$150.00}, However, upon reviewing the terms and conditions, I found that I am entitled to a refund within the 3-day cooling-off period, minus a {$50.00} restocking fee, as stated in Section 9.

The section states : " 9. YOUR RIGHTS TO END THE CONTRACT WITH US 9.1 You may be entitled to cancel this contract within 3 days of receiving the Self-Impression Kit ( cooling off period ).

9.2 To meet the cancellation deadline, you must let us know that you wish to exercise your right to cancel before the 3-day cancellation period expires by contacting us.

9.3 We will charge a {$50.00} restocking fee to cover our costs which will be deducted from any refund.

9.4 We will make the reimbursement to the original payment method only as you used for the initial transaction, unless we have expressly agreed otherwise.

Given that I followed the instructions and boiled the kit in hot water, which is a necessary step to use the product, I believe it's unreasonable to expect me to pay for the full amount. I would appreciate it if you could reconsider my request for a refund, minus the {$50.00} restocking fee as per the terms.

Please let me know the next steps and any additional information you need from me. 

I still havent heard back from XXXX again. 



My email to XXXX I have cancelled my contract with you during a 3 day period, over the phone and via emails. Following your terms and conditions. And I do not need an APPROVAL from your side to cancel the contract during a 3 day cooling off period. 


No, you do not need approval to cancel a contract during a cooling-off period ; it is your legal right to cancel for any reason within the specified time frame I will report your company with Federal Trade commission XXXX XXXX and my attorney will contact FTC. 

XXXX XXXX Email from Affirm today Your Instasmile Veneers dispute has been resolved We've determined that you are responsible for your payment plan. 

reason for outcome XXXX provided compelling evidence that the dispute is invalid product id XXXX intake date XX/XX/year> disputed amount {$540.00} remaining balance {$540.00} dispute reason My cancellation or refund was not processed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
I am a consumer simply trying to fix my credit. I am filing this complaint because the information being reported by the credit bureaus is inaccurate, incomplete, or can not be verified according to the FCRA. I am requesting a full reinvestigation and correction/removal of the accounts and inquiries listed below. 

Charged Off Accounts Charged Off Accounts Under Dispute XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$0.00} Inquiries Under Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments Under Dispute 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 2025-11-24 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: NY

Complaint narrative:
I am a consumer attempting to repair my credit. I am requesting a full reinvestigation of the following accounts and inquiries. Many of these items appear inaccurate, outdated, duplicated, unverifiable, or inconsistent across the bureaus. Any account that can not be fully verified under the FCRA must be removed. 
CHARGED-OFF ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX * XXXX XXXX * {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-24 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: RI

Complaint narrative:
I am disputing the accuracy and completeness of the charged-off accounts listed below. These accounts contain reporting errors, unverifiable information, and potential FCRA violations. I am requesting Experian to conduct a proper reinvestigation and delete any information that can not be fully verified. 

Charged-Off XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX Balance {$770.00} XXXX, Acct # : XXXX Opened XX/XX/XXXX Balance {$86.00} Inquiries in Dispute XXXXXXXX XXXX XXXXXX/XX/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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XX/XX/2025, I attempted to file a trip-cancellation claim through Chase Sapphire Reserve XXXX XXXX. My flight was scheduled for XX/XX/2025. On XX/XX/XXXX, the U.S. Government issued a sudden XXXX XXXX temporarily restricting re-entry for XXXX visa holders beginning XX/XX/XXXX. Because I am on an XXXX visa, my immigration attorney advised me on XX/XX/XXXX to cancel all international travel immediately. I have attached the attorney letter and the official government guidance. This was an unforeseeable government action outside my control. 

When I filed my claim on XX/XX/XXXX, the Chase representative misclassified the reason as a legal reason, which is not accurate. This incorrect category caused my claim to be denied automatically as a non-covered event, even though this situation is neither covered nor excluded in the benefits guide and should have been evaluated under government-related unforeseen events. 

For more than a month and a half, I repeatedly called Chase Benefits to request that the claim be reopened for secondary review and to ask for the correct classification to be applied. Multiple representatives including a supervisor told me that the claim had been reopened, but each time I checked the online portal, it had not been reopened. I was repeatedly promised email updates that were never sent. 

In late XXXX, I discovered the claim had been closed again as ineligible, but I never received the required denial email or explanation. I requested information about the claim status and the reason for denial, but Chase did not provide accurate or complete information. 

I am requesting that the CFPB assist in having Chase properly reopen and review the claim using the correct category and investigate why the claim was mishandled, incorrectly classified, and repeatedly not reopened despite assurances. I am seeking reimbursement for the canceled trip under the travel protection benefits that the XXXX XXXX card advertises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
b'I am filing this complaint because my credit report is still showing incorrect and outdated personal information, even after I submitted two previous disputes with full proof of my correct identity and address.XXXXMy credit report dated XXXX continues to list the following wrong addressXXXX XXXX XXXX XXXX, OH XXXX XXXX  This is NOT my current address and needs to be removed.XXXXPrevious Address: XXXX XXXX XXXX XXXX, OH XXXXPrevious Address: XXXX XXXX XXXX XXXX, OH XXXX XXXX have already provided the credit reporting agency with documents that show my correct information, but the wrong address is still appearing. This is causing problems when applying for credit and is creating confusion about my identity.'

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am reopening this issue because Comenity did not resolve the core problem with my XXXX account. Their own written response on XX/XX/year> confirms a system error that prevented the account from charging off when it should have. Because of this error, the account did not close at the correct time, and XXXX continued adding fees and interest for years. 

XXXX admitted the following in writing : There was a systemic error where delinquent payments were not reflected. 
This error prevented the account from charging off after months of non-payment. 
Their mistake caused the balance to grow incorrectly. 
They applied {$680.00} in credits for the fees they improperly added. 

Even after this admission, the reporting on my credit report is still inaccurate. 
My credit report now shows the account as charged off with a {$780.00} past-due amount, even though the original balance was around {$110.00} and the inflated balance came from Comenitys system error. The reporting dates also do not match the actual timeline. The account is still being updated as if it were recently delinquent, even though Comenity admitted it should have been charged off years ago.

This reporting is inaccurate because : 1. The charge-off date is incorrect based on Comenitys own admission.

2. The account should not be receiving continuous late updates if it was supposed to be charged off.

3. The remaining balance is inconsistent with the account history and their explanation.

4. Comenity failed to correct the payment history and status, causing ongoing harm to my credit.

I am requesting a full correction or complete removal of this account.

Comenity admitted their reporting was incorrect and caused the balance to grow. They only partially corrected the issue and left key information inaccurate. The continued inaccurate reporting and wrong dates are still damaging my credit.

Please review the attached letter where Comenity admits their error, and my current credit report screenshots showing the incorrect status and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I tranferred {$69000.00} usd to my contractors account in XXXX XXXX and intercam bank. His adviser told him to refuse it because he would have to pay taxes on the funds. They stated they sent our money back to the intermediate bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX this bank states they never received the funds back, the adviser of the intercam bank contacted their main branch in XXXX XXXX and provide us with a transaction and tracking number but we have never received our funds back. It has been almost 6 months and they have stopped replying to my email. I am at a complete loss and do not know what to do, our bank here in XXXX Colorado XXXX XXXX XXXX XXXX XXXXXXXX has numerous times called the intermediate bank in our behalf and they state they never received the funds back from XXXX. The intercam bank is now called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am disputing the accuracy of the items TransUnion is currently reporting. I am simply a consumer trying to fix my credit situation, and I need TransUnion to properly investigate, verify, and remove any inaccurate or unverified information. Some of the listed items appear questionable or unauthorized. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened/Reported : XX/XX/year> Balance : {$1500.00} Inquiries XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XX/XX/year>

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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My authorized user claimed identity theft and fraud charges that she did not make and chase closed my credit card account she is going to show on her XXXX XXXX report that she has been a victim of identity theft that she has been dealing with for the past year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because multiple inaccurate and unverifiable negative accounts continue to be reported on my credit file, even though I submitted formal disputes to the credit bureaus. These accounts contain significant XXXX XXXX reporting violations including missing dates, missing payment history codes, missing Date of Last Activity, missing Date Closed, contradictory delinquency codes, and incomplete or conflicting information across each bureau. 

My identity and personal information were also compromised in XXXX confirmed data breaches : the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX Exposure Settlement. These incidents exposed my personal identifying information, including my name, date of birth, contact information, and other identifiers. 

Additionally, I already have a documented fraud alert on my Experian file due to unauthorized activity. Based on these breaches and prior fraud activity, I can not confirm that the negative accounts being reported belong to me or were not altered or misused by unauthorized individuals. 

Because the credit bureaus did not request or provide complete documentation verifying these adverse accounts, and because many fields required for FCRA compliance are missing or inconsistent, these accounts can not be verified with maximum possible accuracy under FCRA 607 ( b ), nor were they properly reinvestigated under 611 ( a ). 

I am requesting that the CFPB require Experian to DELETE any account associated with Fraud. 
There is an active fraud alert on my Experian file due to prior unauthorized activity, and the presence of multiple inconsistent or inaccurate tradeline fields suggests that these disputed accounts may have been opened, altered, or used by unauthorized individuals following the data breaches.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation