vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting a complaint regarding a refund that was never processed by Affirm, despite confirmation from the merchant. 

I made a {$120.00} purchase through XXXX, which offered payment via Affirm. I later canceled the purchase and received confirmation from XXXX that a refund was issued. The refund was split into XXXX transactions, {$13.00}, {$26.00}, and {$86.00}, totaling {$120.00}, which matches the full purchase amount. I have attached the refund receipts for reference. 

Despite this, I never received the refund from Affirm and continued making payments on the loan until it was fully paid off. 

I contacted XXXX customer service twice. The first representative told me they could not help and I need to contact the merchant, even though the refund was confirmed to have been issued to the Affirm card. The second representative told me I would receive the the refund inf XXXX to XXXX business days but could not provide any proof or source for the claim. It seemed like an attempt to deflect without resolving the issue. 

At this point, it is clear that Affirm is unwilling to properly investigate or assist. I have documentation proving the merchant issued the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
lender is still reporting negatively to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
I was alerted by XXXX  XXXX  that a deragatory remark and collections account were added to my credit report. I looked at the information and I never had an account with Central Portfolio control nor did I ever sign any agreements with that company. I was also alerted by XXXX XXXX that they were involved with a data security breach and my personal information was compromised including name, D.O.B., address, and SSN. Again this debt is not mine and I never had an account with this company or any of it's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Subject : Formal Dispute of Post-Closure Pay Status Change To Whom It May Concern : I am contacting you regarding a significant change made to the payment status of my previously closed credit card account. According to my TransUnion credit report, the account was : - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX - Previous Pay Status : Late XXXX  Days - Current Pay Status as of XX/XX/XXXX : Collection/Chargeoff It is highly unusual and potentially inaccurate for a closed account to have a change in its payment status unless new activity or legal determination justifies the update. This post-closure status change may constitute a violation of the Fair Credit Reporting Act ( FCRA ) if it misrepresents the account 's history, unfairly impacts my creditworthiness, or lacks proper documentation. 
I formally request the following : - Written explanation of why the pay status was changed after account closure - Any and all documentation supporting this change - Immediate correction or removal of inaccurate or unverifiable information from all credit reporting agencies This is not an admission of liability but a good faith dispute under the FCRA. I request your response and resolution within the XXXX investigation period mandated by federal law. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar Credit Union XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Subject : Formal Dispute of Post-Closure Pay Status Change To Whom It May Concern : I am contacting you regarding a significant change made to the payment status of my previously closed credit card account. According to my XXXX credit report, the account was : - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX - Previous Pay Status : Late 120 Days - Current Pay Status as of XX/XX/XXXX : Collection/Chargeoff It is highly unusual and potentially inaccurate for a closed account to have a change in its payment status unless new activity or legal determination justifies the update. This post-closure status change may constitute a violation of the Fair Credit Reporting Act ( FCRA ) if it misrepresents the account 's history, unfairly impacts my creditworthiness, or lacks proper documentation.

I formally request the following : - Written explanation of why the pay status was changed after account closure - Any and all documentation supporting this change - Immediate correction or removal of inaccurate or unverifiable information from all credit reporting agencies This is not an admission of liability but a good faith dispute under the FCRA. I request your response and resolution within the 30-day investigation period mandated by federal law. 

Sincerely 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 2025-07-02 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: MI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: DE

Complaint narrative:
Im trying to purchase a home, but mismatched personal information on my credit report is causing serious delays. My name and other details dont align with my ID and other documents. 
Ive included the letters and ID needed to update everything. Fixing this would help me move forward with both my home and future business plans. These errors have affected my life, and Im hoping they can be corrected soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I Have called XXXX XXXX several times before asking why my account was being closed. They noted to me that information can not be disclosed. I was sent to many departments over the phone that was not able to help me obtain any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
CFPB Complaint # XXXX Dispute Against TransUnion re XXXX XXXX ( Acct Ending XXXX ) Supplemental Statement Response From XXXX is Legally Deficient To Whom It May Concern, I am submitting this supplemental statement in reference to the ongoing dispute regarding the XXXX Bank account XXXX which remains unresolved. 

On XX/XX/2025, I received a mailed response from XXXX in connection with my dispute submitted via the CFPB. However, this response failed to provide adequate documentation or address the XXXX XXXX and FCRA violations outlined in my original complaint. Specifically : U The letter does not contain verification of key XXXX XXXX data fields ( XXXX, Date Closed, Account Status, XXXX, Last Payment Date ) No documentary proof was provided to support the ongoing updates to the tradeline XXXX continues to update the account monthly with CO ( Charge-Off ) or X status codes in violation of XXXX XXXX XXXX guidelines for closed accounts The remark Consumer disputes after resolution conflicts with ongoing derogatory data, indicating the issue was not resolved This constitutes a failure to conduct a lawful investigation under FCRA XXXX ( b ). I am requesting the following : XXXX. Immediate supervisory review of this complaint XXXX. Full deletion of the tradeline if XXXX can not provide XXXX XXXX verification of all data fields XXXX. Enforcement action if the response remains incomplete past the regulatory deadline I have re-uploaded XXXX  mailed response as supporting evidence ( Dated XX/XX/2025, file name : 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 2025-07-02 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: FL

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
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. 

XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is in response to XXXX statement dated XX/XX/year>, regarding my complaint submitted via the CFPB Complaint Portal. 

Equifax previously stated * * over a year ago * * that the account from * * XXXX XXXX XXXX * * would be * * removed * *. However, it still remains listed on my credit file as * * XXXX negative item * *, yet * * there is no accessible detail or information * * when clicked. This is evidence of a * * partial removal * *, which is * * not only misleading but also illegal * *. If an account is removed, it must be * * fully and accurately removed * *, not obscured or hidden while still negatively affecting my credit. 


You can not claim a debt is verified when your own previous investigation stated it would be * * removed * *. That is contradictory and appears to be an attempt to mislead both me and the CFPB. This must be * * fully resolved immediately * * with a complete deletion of the XXXX XXXX XXXX account. 

Regarding the * * XXXX XXXX XXXX * * entry : I reviewed my Equifax credit report, and * * this tradeline has never appeared * *. This raises serious concerns about the accuracy of your investigation and suggests your team may be referring to incorrect or fabricated data. 

Equifaxs reference to * * XXXX NA XXXX * is also incorrect. * * XXXX  and XXXX are separate legal entities * *, and reporting them as a single creditor is inaccurate. If you can not distinguish between the XXXX, your credit file accuracy and verification procedures are ILLEGAL, YOU LIE! 

XXXX response demonstrates * * incompetence, a lack of diligence * *, and a * * willingness to provide false or misleading information to a federal agency * *. I expect immediate correction of these issues, full removal of the XXXX XXXX account, and a clear explanation of how such missteps occurred. 

This is now documented with the CFPB for further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
On XX/XX/year>, I was served with a lawsuit by XXXX XXXX XXXX  on behalf of Velocity Investments , LLC, regarding a charged-off XXXX  loan allegedly originated by XXXX. This is the second such case brought against me by the same parties ( prior case was also baseless and is being actively challenged ). 

The core issue remains the same : the plaintiff claims to have purchased the debt directly from XXXX, but has failed to provide : - A signed loan agreement between me and XXXX ( or XXXX ), - A full chain of title showing how the legal ownership of the debt transferred from XXXX fractional investors ( who originally funded the note as a security ) to Velocity, - Any proof of a lawful purchase of the security through a valid assignment process compliant with SEC regulations. 

The original XXXX loan was issued under a promissory note program filed with the SEC. These notes were fractionally sold to multiple investors shortly after loan origination, meaning XXXX had no further economic interest after the sale, and XXXX acted merely as a servicer. 

However, XXXX and Velocity continue to represent to courts and state agencies ( including in prior AG/CFPB responses ) that they acquired the loan from XXXX, which is a material misrepresentation and likely a securities law violation. 

They also failed to provide debt validation upon request during litigation. All documents submitted were internal XXXX screenshots and affidavitsnone included any actual investor agreement or valid assignment. This directly violates the FDCPAs 15 U.S.C. 1692g and potentially constitutes fraudulent misrepresentation in court proceedings. 

Worse, the same parties previously made false representations to the Arizona Attorney General, claiming direct purchase from XXXX, even though XXXX no longer owns or services these securities. These actions are part of a systemic pattern of litigation abuse that harms consumers by misusing the court system to extract settlements without legal standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
Equifax is reporting Unauthorized Fraudulent Inquries on my credit report file that I have asked to be removed as I did not authorize nor anyone to apply for any thing. The following queries are fraudulent 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 non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action 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 explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX On XX/XX/year>, I received a notification from XXXX about a hard inquiry by Synchrony Bank/XXXX on my credit report. I immediately contacted the inquirer, as I did not apply for credit. I had to provide my information, including social security number, to them before they would even speak to me. Their investigation satisfied them it wasn't me who applied. They told me no card had been issued and the hard inquiry would be removed from my account within 30 days. 

In XXXX XXXX XXXX, I contacted them again because the hard inquiry was still on my report. The woman I spoke with said there was " no application or credit card '' that matched any of the information I had given her. After some research, she was able to find it, requested it be removed, and gave me the address to send a request to receive a copy of the application information to file a police report. On XX/XX/year>, I sent a formal letter requesting a copy of any information linked to this application using my credit. 

In XXXXXXXX XXXX XXXX I called them again as I had not received any copies of the fraudulent application, nor had the hard inquiry been removed from my credit report. The woman I spoke to told me there is no fraud as no card had been issued. She again said the hard inquiry would drop off within 30 days. 

It is now XX/XX/year>. The hard inquiry is still on my credit report and I have not received any of the requested information ( completed fraudulent application ). I have attempted to call THREE times today, and all three times I was disconnected while speaking to the representative.

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