vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
Affirm is knowingly providing processing services for a company that is committing tariff fraud as well as pretending to be XXXX when they're actually in XXXX. 

I have provided Affirm all of this information : " The item arrived very damaged ( and more than a week later than promised ). I sent the merchant photos and asked them to send me a prepaid label ( since they sent it from XXXX and not CO as they pretend to be ). After several requests, they finally sent me an address in XXXX, but told me I have to pay to return their damaged item. That's the primary issue. '' Affirm continues to lie to me saying they can't hold the merchant accountable, yet they continue to allow these illegal activities to continue. 

I have requested that their vendor supply me with a mechanism to return the damaged item at no cost to me to the address they provided in XXXX. The merchant refuses to do so and Affirm is now threatening to ruin my credit and send me to collections rather than exercising their responsibilities as the merchant processor. 

I have reached out to Affirm on XXXX occasions now and continue to be ignored or lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
I am submitting this follow-up to my prior dispute regarding inaccurate, incomplete, and unverifiable information appearing on my credit report. I previously exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requested that the credit reporting agency conduct a reasonable reinvestigation into the disputed information. 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite the time allowed under FCRA 611 ( 15 U.S.C. 1681i ), I have not received an adequate resolution or confirmation that a reasonable investigation was conducted. The inaccurate information continues to appear on my credit file, negatively impacting my credit standing. This failure to properly investigate and correct the disputed data constitutes a potential violation of the FCRA, as both credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of all consumer information reported.

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 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Georgia XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Florida XXXX [ Attn : Compliance Department or Specific Contact ] Re : Notice to Cease Communication under the Fair Debt Collection Practices Act, 15 U.S.C. 1692cTo whom it may concern.

This letter is to inform you that I XXXX XXXX. I am requesting that you cease further communication with me about the alleged debt referenced below, except to provide the required statutory disclosures and information as set forth by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c.Debt information ( for your records ) XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount : {$7100.00} As of XX/XX/XXXX Requests and obligations under FDCPA : You may communicate with me only to confirm or dispute the debt in writing, to provide verification of the debt, or to notify me of a specific legal action being commenced against me, as permitted by 15 U.S.C. 1692c ( b ) and 1692g and related provisions.If you pay or settle the debt pursuant to this notice Please provide written confirmation of the settlement terms, including any required payment amount, due date, and whether the settlement satisfies the debt in full.Please refrain from contacting me at any phone number, employer, or other third party locations unless specifically permitted by law or required to obtain location information as allowed by FDCPA, 15 U.S.C. 1692c ( b ) .Requests for information and verification : Please provide written validation of the debt, including : The amount currently claimed and a detailed calculation of any interest, fees, or penalties.The name and address of the original creditor.Documentation showing you are authorized to collect on this debt and that you own or are acting on behalf of the owner.A copy of any contract or agreement that created the debt, including the signed acknowledgment or evidence of assignment.Please update your records to reflect that you are not to contact me by phone unless I initiate contact, and that all future communications must be in writing at the address listed above. If you have already contacted me by phone, please confirm in writing that future communications will be in writing only.Reservation of rights : This letter is sent without admitting any liability or debt by me. I reserve all rights and defenses, including any applicable statute of limitations, identity verification, or improper notice, and I reserve the right to challenge or dispute the debt through formal channels.Documentation : I request that you retain a copy of this cease-and-desist request with your file and provide me with written confirmation that you have received and will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TX

Complaint narrative:
Like I am done with this like the main suspect is their I sent u one first the dispute XXXX then cancelled now I can use it but not allowed a prepaid card! Like come on its like I told them blocked the suspect and is in robbery charges! Like I am done! Like daily I cant get food or make purchases cuz that my main source of income! XXXX they are giving it to the suspect XXXX XXXX  that I claim he took! But it was more than that! Now the have in the future I can get XXXX! Like this is more sinister! U know why cuz when I reported the incident! They were telling me like we sometimes are telling the truth but! We are it believed XXXX! Im like my name is XXXX! Like next time think about who are sending money! Like I was to scared to fight anything now I get punished for their mistakes can u believe like 2018 my whole live exposed I got reports every where! XXXX like my main suspect payed of the law to not be included not me! But Cash App is punishing me when XXXX paying on time! I build this in 4 months to loose it all! For XXXX XXXX  lets say! Naw this is more personal they are hacked XXXX they were responding! To the emails hacked I activated the password! XXXX XXXX ID it just logs in alone! Their was XXXX computers log into my account XXXX was getting errors! I check my activity it should say XXXX XXXX XXXX XXXX now the location is not even close to me XXXX it just says XXXX! Like they are hacked how do they know my nickname like only the person! That has knowledge of me! Like I told them canceled all disputes they go back XXXX forth let me check then another appears then back to robot o! H its jotted down! But how do I make it daily its not a credit card I have chime XXXX they easily in 10 days gave me credit cuz XXXX! Does not accept Cash App cards! XXXX I had XXXX accounts like XXXX the app was hacked! Like its just getting weird I will be getting this on u guys! If not XXXX have to get a consumer lawyer! The thieve easily gets bye he confessed XXXX im getting punish for their incompetence the so called supervisor was fake! The email detected as a threat! Tells me oh the XXXX amount XXXX cant talk about its gon na take more than XXXX or 60 days XXXX then there are telling u guys less! XXXX XXXX  in 6 days this someone manipulated the answers i will report report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the XXXX  data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXXB CARD, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX, Account Number : XXXX * * * * Date Opened : XX/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 non-monetary relief
Consumer complaint received 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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 2025-11-08 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I submitted a Total and Permanent XXXX discharge application for my federal student loans in XX/XX/year>, based on my permanent Social Security XXXX determination, which has been in place for over 10 years. 

Federal guidelines state XXXX discharge processing is 3045 days. It has now been over 90 days, and I have received no status updates, no acknowledgements, and no outcome determination. Every time I log in to the TPD portal, the system appears to reset my submission date, which makes the application appear new even though I originally submitted it in XX/XX/year>. 

My current servicer is Mohela. I have received calls/contacts from XXXX XXXX XXXX XXXX XXXX but XXXX processing through XXXX XXXX has not moved at all. 

I emailed XXXX XXXX and Mohela requesting status, confirmation, and escalation. I am requesting CFPB intervention because my XXXX discharge has been stalled, there has been XXXX communication, and the delay is causing harm. I am permanently XXXX and unable to work, and the continued delay is directly impacting my financial stability. 

I need : confirmation of receipt of my original XX/XX/year> XXXX application immediate status determination immediate discharge processing Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Moved out of apartment by set date the gave me, dates on collection are inaccurate, fines are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: 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 2025-11-08 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
In XX/XX/year> I purchased a lawn mower from Lowes. I went home to use it. The first time cutting my grass the lawn mower started smoking and spitting oil. I attempted to return the item but Lowes said since I put gas in it they couldnt accept the return but to call craftsman to repair it. I had already purchased a replacement mower and didnt need two. I told craftsman I wanted to return it. They stated Lowes had to get me an XXXX I returned to the store in XXXXXXXX XXXX XXXX and the store stated XXXX had to do the XXXX after another call to XXXX and them stating Lowes had to get me an XXXX I filed a dispute for charges they denied my dispute stating Lowes said they will accept my return. In XX/XX/year> when I received my letter from Lowes stating they will accept my return I took the mower back to the store for the store manager XXXX XXXX to refuse my return. I started another dispute which they have since denied. This is a faulty item that I should not have to pay for. I have pictures of the mower smoking and spitting oil. I have done all I can to resolve this with Lowes and synchrony bank.

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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal. 



I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since you're supposed to remove ANY account that doesn't have the exact information on all XXXX credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction, I no longer owe the original debt and the information you have on file is incorrect : this car was sold at auction the highest balance is incorrect ( Credit acceptance ) Account Number XXXX XXXX  Please remove it from my credit report. 


I look forward to resolving this matter quickly.

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 2025-11-08 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: CT

Complaint narrative:
I have now sent at least five different forms of disputes ( phone, online, certified mail ) to TransUnion & XXXX  and they refuse to properly verify and show proof of verification of information I am disputing on my credit report related to bankruptcy and accounts that are reporting being closed due to bankruptcy. I have now been able to get XXXX  to remove the bankruptcy and all related accounts from that credit report because they agree that they are not able to verify the information. I have sent proof to both TransUnion and XXXX  regarding the bankruptcy from the court and they still refuse to delete their inaccurate and unverifiable information, stating that they have verified the information, but refusing to show proof of how they verified it and who they verified it with. If XXXX  can not verify the information and the court gave me in writing that the information is not verifiable, how is TransUnion & XXXX  justifying that they are verifying this information that is clearly unverifiable? Especially when they refuse to show proof of who verified it, the position or title of the person who verified it, and what date and time it was verified. I have repeatedly asked for this information and they repeatedly ignore me and keep reporting this detrimental information on my credit reports. This is affecting my personal business and affecting my ability to provide income for my family. Please make them remove these from my report. XXXX  did, which proves that I am correct that they should not be there and that I provided the proof needed.

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