vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I paid off the loan in full XX/XX/year>. XXXX went through for full amount. They are refusing to provide payoff letter for 20 days. That is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I submit this complaint to address Capital Ones deceptive and misleading practices regarding its advertised cashback rewards program. On multiple occasions, I have relied upon Capital Ones browser extension, which prominently displayed a pop-up notification stating I was eligible for 10 % cash back at the moment of purchase. This representation materially influenced my decision to complete my transaction through Capital Ones program rather than a competitors. The clear and unqualified nature of the pop-up constituted an offer to the reasonable consumer : that by proceeding through their link, I would earn the stated reward. 

After completing the transaction in good faith reliance upon that representation, Capital One later denied the promised cash back, assertingonly after the factthat because I used a XXXX credit card issued by XXXX XXXX, the transaction was ineligible. This post hoc disqualification is not disclosed at the time of purchase and directly contradicts the affirmative representation made by the on-screen prompt. A reasonable consumer would not expect a prominently advertised benefit to be silently nullified by undisclosed card restrictions that are neither communicated in real time nor reasonably discoverable prior to purchase. 

This practice is materially misleading and deceptive under fundamental principles of consumer protection law. By inducing consumers to make purchasing decisions through promises of cash back and then voiding those promises through undisclosed technicalities, Capital One is engaging in a classic bait-and-switch tactic. If certain card types or conditions categorically disqualify a transaction, Capital One has an affirmative duty to implement safeguards that prevent their system from issuing a rewards-eligibility pop-up in those instances, or to conspicuously warn consumers at the point of sale. Failing to do so deprives consumers of the ability to make informed choices and causes foreseeable monetary harm.

This conduct has now occurred repeatedly with other merchants as well, eroding my trust not only in Capital Ones program but in browser-based reward systems generally. The absence of real-time disclosure coupled with reliance on buried fine print effectively allows Capital One to lure consumers into purchases under false pretenses and then disavow responsibility. Such conduct is unfair, deceptive, and injurious to consumers and should be scrutinized accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing a XXXX  ( case no. XXXXXXXX XXXX  ) reported on my credit file. XXXX, the XXXX XXXX XXXXXXXX system, has provided me with a written statement confirming that it does not provide XXXX  information to credit bureaus or third parties. I have attached this statement. 

XXXX, in their response to my prior CFPB complaint, admitted that they are the source furnishing this information to the credit bureaus. Since XXXX  confirms it does not furnish data, and XXXX is only a third-party vendor, this XXXX  can not be independently verified with the original source as required under the FCRA. 

I request immediate deletion of this XXXX  record from my credit file with Experian, Equifax, and TransUnion.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am disputing a XXXX  ( case no. XXXXXXXX XXXX  ) reported on my credit file. XXXX, the XXXX XXXX XXXXXXXX system, has provided me with a written statement confirming that it does not provide XXXX  information to credit bureaus or third parties. I have attached this statement. 

XXXX, in their response to my prior CFPB complaint, admitted that they are the source furnishing this information to the credit bureaus. Since XXXX  confirms it does not furnish data, and XXXX is only a third-party vendor, this XXXX  can not be independently verified with the original source as required under the FCRA. 

I request immediate deletion of this XXXX  record from my credit file with Experian, Equifax, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
Unexpected and potentially unvetted inquiries have been received. Please look over the materials.

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 2025-09-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-18 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: TX

Complaint narrative:
I used Affirm to attempt to purchase a XXXX  hotel on XX/XX/year>. There were two pending transactions for the same purchase, both ultimately cancelled/declined. The transactions were declined but processing for about 45 days. For one transaction, there was no money taken from my account. For the other attempted purchase, Affirm took a {$450.00} deposit towards the now cancelled transaction from my bank account as a down payment. I have not received the {$450.00} refund from the cancelled transaction. I have had several interactions with Affirm. I was initially told in an Affirm chat that the transactions would clear by XX/XX/year> with a refund of the funds already paid within 7-10 days of that. On XX/XX/year>, I was advised by an Affirm agent " I do see that the merchant processing cut off date for both pending loans was on XX/XX/year> and it seem like it hasn't fallen off yet as of today. '' I followed up again on XX/XX/year> as there was still no resolution or refund. On XX/XX/year>, I received a message that the loan was cancelled, and I was not responsible for any payments on the purchase. I was still never refunded the {$450.00}. I followed up on XX/XX/year> an got a general chat the matter was closed and no response to my follow up that. I filed a dispute with my bank, XXXX, on XX/XX/year> and was advised on XX/XX/year> that the claim was denied. In a follow up call to XXXX, I asked for the proof Affirm provided and the XXXX rep stated that Affirm merely ( and generally ) advised they had fulfilled their obligation. I need for Affirm to refund me {$450.00} for a transaction that has been acknowledged has been cancelled, advised there would be a refund, and provided no goods or services to me for. Affirm account is under my maiden name, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX TransUnion XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed 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 2025-09-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

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 2025-09-18 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MECHANICS BANK
State: SC

Complaint narrative:
Demand they identify the exact bankruptcy case number they are relying on. 

State that the court has already confirmed no case exists in your name ( attach the courts XX/XX/XXXX letter ) .they are in violation of FCRA 1681s-2 ( a ) ( furnishing false info ) and FDCPA ( if they attempt to collect ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX  and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: SC

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 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have been offered about 6 promotional offers from my Citi credit card, all related to making a certain dollar amount of purchases in a category within a month to receive a statement credit. The company refuses to provide me with reasonable information as to my progress towards any of these rewards. I have made numerous phone calls as well as message requests within their website, and I am continually given the run around and stonewalled when I try to seek this information necessary towards measuring my progress towards the goals they have set for 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I HAVE TRIED TO REMOVE THIS SINCE XXXX FROM CREDIT REPORT SINCE IT IS NOT MIEN AND I AM NOT RESPONSIBLE FOR THIS COLLECTION. I HAVE ZERO NOWLEDGE OF ANYTHING FROM CITI BANK. IF YOU REVIEW MY CREDIT REPORT YOU WILL SEE HOW MY CREDIT IS IMPECCABLE. AND I TAKE PRIDE IN THAT SINCE IT TOOK A LOT OF HARD WORK AND DEDICATION TO MY CREDIT AS IT IS IMPORTANT TO HAVE. PLEASE HELP ME THESE PEOPLE ARE RUINING MY CREDIBILITY AND THAT IS A HUGE VIOLATION OF Y RIGHTS AS A CONSUMER ACCORDING THE FCRA AND THE FDCPA XXXX XXXX  FOR LIKE OVER XXXX DOLLARS

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IN

Complaint narrative:
I am writing in response to a collection account reported to XXXX. This letter is a formal request for validation of the debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity all together.

Please provide the following documentation to validate this alleged debt : A detailed breakdown of the charges, including itemized fees, dates, and services. 
A copy of the original lease agreement or contract bearing my signature. 
Proof that you are legally authorized to collect this debt. 
Documentation showing that this debt is accurate, complete, and not the result of error or fraud. 


Until this information is provided, I request that you cease all collection activity, including reporting to credit bureaus. Reporting unverifiable or inaccurate information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please note that this account is currently disputed, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general if this matter is not resolved appropriately. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Please act URGENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MN

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-09-18 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: MN

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief