vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
Dear CFPB Team, I am writing to formally file a complaint against Affirm , Inc. regarding an unresolved dispute related to a canceled travel booking purchased through XXXX  Tickets and partially financed by Affirm. 

Despite my repeated attempts to resolve this matter directly with Affirm, the issue remains unresolved. Affirm has continued to deny my dispute despite XXXX XXXX already refunding the ticket amount to XXXX  Tickets several months ago, and the agency has not returned the funds to Affirm. I have communicated this information to both Affirm and XXXX  Tickets, but neither has provided an adequate resolution. 

In addition, Affirm has been sending me text messages threatening to report this disputed loan to the credit bureau, despite my submission of supporting evidence that the original transaction was canceled and refunded. 

The details of the disputed charges are as follows : * Merchant : XXXX  Tickets ( ITN Confirm No. XXXXXXXX XXXX XXXX Loan amount : {$1400.00} ( Affirm disputed overcharge ) * Total Paid to XXXX  : {$6000.00} ( including the unauthorized {$90.00} tip, Split Affirm {$1400.00} and XXXX XXXX {$4600.00} ) * Actual ticket value from XXXX XXXX : {$3400.00} * Travel Care fee : {$1000.00} ( Charge separately to my XXXX  XXXX  ) * Duplicate tip fee : {$90.00} ( charged twice, to Affirm and XXXX XXXX  ) * Overcharge by XXXX  Tickets : {$1400.00} * Refund confirmation : provided by XXXX XXXX on XX/XX/year> ( Please note that the loan outstanding to Affirm as of today is {$1600.00} ) I have attached supporting documents for your review. 

I respectfully request that the CFPB investigate Affirm 's handling of this matter, as it appears Affirm has failed to properly investigate my dispute and continues to pursue collection on a canceled transaction. 

Thank you for your attention to this serious matter. I look forward to your assistance in ensuring a fair resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 am submitting to formally dispute and request correction of inaccurate late payment information being reported on several XXXX accounts in my credit file. I am not disputing ownership of these accounts ; rather, I am requesting a reinvestigation and correction of the payment history data that appears inconsistent, incomplete, or contradictory across the credit bureaus. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I received a phone call from XXXX XXXX 's at the end of XXXX. He offered a refinance on our home along with withdrawing equity to allow me to lower my mortgage and have funds to pay off other bills. At the time I spoke to him with my husband he told us the fact that we were a month behind on our mortgage was not going to be an issue since he was getting us approved through a federal hardship refinancing. On XXXX XXXX he sent us by email an approval for the refinancing. We were sent a contract to review and sign along with a financial worksheet. According to the contract our interest rate would drop to 3.99 % because of husbands military service and we wouldn't make mortgage payment until XX/XX/XXXX, our mortgage would decrease and we would get XXXX of equity. He called on XXXX to see if we had reviewed the contract. In the contract it stated we needed to send a check for {$2500.00} for appraisal, title and processing fees. As my husband works XXXX hours XXXX days a week we didn't sign the contract for a couple of days. We sent the contract, financial worksheet, and check by mail with a tracking number on XX/XX/XXXX. We received a phone on XX/XX/XXXX that he received the paperwork and he was going to contact our mortgage company and order the pay off and contact the county for property assessment. I called him XX/XX/XXXX to see if he received the property assessment assessment, he said no probably on Mon. I called XX/XX/year> and XXXX with him starting to not answer the phone. Finally on XX/XX/XXXX he asked me why I was " freaking out ''.? He proceedEd to ask me to call back in 15 minutes that he was going to check the mail to see if it had come in. I called back in an half hour and received his voicemail. I had my husband call on XX/XX/XXXX, he answered the phone and he told my husband that he received the property assessment and had a drive by appraisal done. When my husband started to ask him further questions he put my husband on hold and never came back to the phone. With him not answering the phone I got suspicious and I found out the address we sent the paperwork and check to was a Dropbox. When I googled his NMLS # I found 6 or 7 different names. I called my county treasurer to find out if anyone had requested our property assessment and found out no one had. When we called him would pick up the phone but as soon as we identified ourselves he would lay the phone down. I contacted a friend and mortgage broker and told him what was going on. He called XXXX and he answered the phone and he told my friend that everything was fine but he couldn't close on the loan because the government had shut down. When my friend called back he wouldn't answer the phone or emails. So at this time he has not contacted us, the refinancing wasn't completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
There was a company in XXXX that has taken XXXX from me through PayPal that I did not authorize and PayPal is refusing to give me the rest of my money back. XXXX is also doing this to me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 statement to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of the XXXX XXXX XXXXXXXX, XXXX. account ( ending in XXXX ) on my Transunion credit file. The furnisher of this account has already confirmed that the account lacks the required documentation and has agreed to remove it from my record. However, Transunion continues to report the account, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation within 30 days. Despite my clear dispute and supporting evidence, Transunion has failed to correct or delete the unverifiable information as required. 

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>, the card was stolen before delivered to me and was charged with XXXX usd. 

This was put into dispute and Citi rejected the fraud dispute with no information provided. 
I called again on XX/XX/year> and no action was taken by Citi to resolve the issue

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 monetary relief
Consumer complaint received 2025-10-09 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act

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 2025-10-09 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : FCRA Violation Reinserted Account Dispute Accounts in Question : 1. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Date Deleted : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Revolving Status : Reinserted after prior deletion To Whom It May Concern, This letter serves as a formal dispute regarding the improper reinsertion of multiple accounts that were previously deleted from my Experian credit file. Both accounts listed above were removed but have since been reinserted without proper certification or notification, in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian is prohibited from re-inserting previously deleted information unless the furnisher certifies in writing that the data is accurate and complete.

Additionally, Experian must provide written notice within 5 business days of the reinsertion, including the name, address, and phone number of the furnisher who verified it. I have received no such notice or documentation from Experian confirming compliance. This failure represents a willful violation of the FCRA. Furthermore, these accounts continue to contain inaccurate and unverifiable data, violating 1681e ( b ) which mandates reasonable procedures for maximum possible accuracy.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Subject : Formal Dispute Regarding Improper Refund and Account Action Case Involving XX/XX/year> Transaction I am writing to formally dispute the reversal of a legitimate transaction processed through my XXXX  account on XX/XX/year>, in the amount of {$210.00}. This payment was made to me by an individual for repeat, agreed-upon services rendered. The payer was fully aware of the nature of the transaction, and I am in possession of complete documentationincluding correspondence, proof of service, and payment confirmationverifying the legitimacy of this transaction. 

Subsequent to the completion of the service and receipt of payment, the payer initiated a dispute with XXXX. I have since been informed by XXXX  that the only grounds on which such a reversal and account lock would occur would be if the user claimed the transaction was associated with a scam or fraud. It appears that, based solely on these allegationswithout any prior notice to me or opportunity to provide evidenceXXXX refunded the full amount to the payer and placed restrictions on my account. 

Despite multiple attempts to resolve this matter through XXXX customer service, I have been repeatedly told that only an Account Specialist can address this issue. I have made several inquiries and was told I would receive contact within 35 business days. To date, no communication has been received from an Account Specialist, despite this being well beyond the stated timeframe. 

Today, a XXXX  representative acknowledged that no investigation was conducted prior to the refund and that I was not contacted or given the opportunity to present documentation supporting the legitimacy of the transaction. This is deeply concerning and suggests that XXXX  took unilateral action based on unverified and potentially fraudulent claims by the payer, resulting in financial harm to me. 

I am requesting the following actions : XXXX. A formal investigation into this dispute, with full opportunity for me to submit evidence. 
XXXX. Written clarification of the grounds on which the refund was issued and the account restrictions applied. 
XXXX. Immediate reinstatement of the {$210.00} to my account. 
XXXX. A review of XXXX failure to follow proper protocol in this matter, including the absence of communication from an Account XXXX. 

If this matter is not resolved promptly and appropriately, I reserve the right to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX  ), and other appropriate regulatory or legal channels. 

I am hopeful this issue can be resolved amicably and promptly. Please consider this a formal dispute and request for immediate review. 

Sincerely, XXXX XXXX XXXX  user name XXXX XXXX XXXX I can be contacted at the above email address or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
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 2025-10-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
My identity is being used by a former person who I had dealt with/ family friend XXXX XXXX XXXX his number is now popping up on my credit reports after I still haven't been helped about the inquiry he got from XXXX XXXX in downtown XXXX XXXX XXXX My identity and information is being used and no one wants to answer or contact me about the issue I have contacted everyone I possibly can and who can help me is shut down due to government funding. This man has already gotten away with almost XXXX in money because he scammed me now my credit is being used by someone who has blocked all my numbers and accounts and won't answer. He even used his gf too gain funds from me as well all charges below from both since it was a XXXX XXXX transfer and XXXX they said they couldn't do anything so I am really frustrated and I don't know what too do first date and amount is XX/XX/year> XXXX and XXXX XXXX XXXX and separate charge XXXX and then XXXX both these dates were for moving and purchases towards an apartment and move in cost due to me thinking I was dealing with actual rental agent documentation of everything sent. 
second date XX/XX/year> is XXXX and another charge XXXX and then from my bfs account XXXX since limits we have on apps then XXXX so total of XXXX reported to XXXX XXXX and 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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BARCLAYS BANK DELAWARE 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-09 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: OneMain Finance Corporation
State: TX

Complaint narrative:
The information that was added on my credit is incorrect and not mines i never applied for any loans or never had any credit cards on my credit i am a victim of identity theft and i have requested that the information be removed from my credit report immediately.

Company response to consumer: Closed with explanation