vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Bank errors in billing and reporting are unfairly damaging my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits. However, my account shows clear violations of these protections : payments I made were not properly recorded, calculation errors are evident in the reported balances, and I was not provided with the required 21-day notice before a payment due date. As a result, any late payment marks being reported are invalid. These reporting failures not only violate federal law but also unfairly harm my credit profile and financial standing.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CO

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 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CFPB Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Respondents : - Equifax XXXX XXXX, XXXX - Experian Information Solutions , Inc . 
- TransUnion XXXX - XXXX XXXX XXXX ( data furnisher ) Subject : Inconsistent and Inaccurate Reporting of XXXX XXXX XXXX Account XXXX of the Complaint : I am filing this complaint regarding inaccurate and inconsistent credit reporting of a XXXX XXXX XXXX account across the XXXX credit bureaus. 
- Equifax reports this account under account number XXXX * * * * * - Experian and TransUnion report this same account under account number XXXX Despite being the same account ( same open date of XX/XX/XXXX, same {$500.00} credit limit, same {$500.00} past due balance ), the inconsistent account numbers create confusion and harm my credit report. 
Additional discrepancies include : - Equifax XXXX Experian show XXXX late payments, while TransUnion XXXX XXXX late payments. 
- Equifax XXXX Experian list the account as XXXX XXXX, while TransUnion lists it only as Closed. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which requires furnishers to report information accurately and consistently. These reporting failures are materially misleading and damaging to my creditworthiness. 
Requested Relief : XXXX. XXXX removal of this XXXX XXXX XXXX account from my credit reports with Equifax, Experian, and TransUnion. 
XXXX. That penalties and enforcement actions be imposed against XXXX XXXX XXXX and the credit bureaus for failing to maintain accurate and consistent reporting. 
XXXX. Written confirmation that this account has been permanently deleted from my credit history. 
XXXX. Compensation for damages caused by these reporting errors, including credit denials and reputational harm. 
Supporting Evidence : Attached are screenshots from XXXX showing the inconsistent reporting across Equifax, Experian, and TransUnion. 
Signature : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2025

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Respondents : - Equifax XXXX XXXX, XXXX - Experian Information Solutions , Inc . 
- TransUnion XXXX - XXXX XXXX XXXX ( data furnisher ) Subject : Inconsistent and Inaccurate Reporting of XXXX XXXX XXXX Account XXXX of the Complaint : I am filing this complaint regarding inaccurate and inconsistent credit reporting of a XXXX XXXX XXXX account across the XXXX credit bureaus. 
- Equifax reports this account under account number XXXX * * * * * - Experian and TransUnion report this same account under account number XXXX Despite being the same account ( same open date of XX/XX/XXXX, same {$500.00} credit limit, same {$500.00} past due balance ), the inconsistent account numbers create confusion and harm my credit report. 
Additional discrepancies include : - Equifax XXXX Experian show XXXX late payments, while TransUnion XXXX XXXX late payments. 
- Equifax XXXX Experian list the account as XXXX XXXX, while TransUnion lists it only as Closed. 
This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which requires furnishers to report information accurately and consistently. These reporting failures are materially misleading and damaging to my creditworthiness. 
Requested Relief : XXXX. XXXX removal of this XXXX XXXX XXXX account from my credit reports with Equifax, Experian, and TransUnion. 
XXXX. That penalties and enforcement actions be imposed against XXXX XXXX XXXX and the credit bureaus for failing to maintain accurate and consistent reporting. 
XXXX. Written confirmation that this account has been permanently deleted from my credit history. 
XXXX. Compensation for damages caused by these reporting errors, including credit denials and reputational harm. 
Supporting Evidence : Attached are screenshots from XXXX showing the inconsistent reporting across Equifax, Experian, and TransUnion. 
Signature : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Sezzle and their handling of my account following a compromised bank card. 

Around XX/XX/year>, I contacted Sezzle to inform them that my bank card had been compromised, cancelled, and replaced by my financial institution. During this call, I specifically asked if Sezzle could remove any extra fees/late fees associated with the missed payment caused by the compromised card and reinstate my XXXX XXXX membership. I was clearly told by their representative that as long as I provided documentation from my bank confirming the card compromise, cancellation, and replacement ( including the last 4 digits, my full name, and email if available ), Sezzle would remove the fees and reinstate my XXXX XXXX status. 

I complied fully and submitted the requested documentation. Despite this, Sezzle has since refused to honor their promise. Today, they responded with the following statement : However, certain feessuch as late payment fees, failed payment fees, or service feesare not eligible for refunds once they have been properly assessed according to the terms you agreed to. Sezzles policy is to only refund or waive fees in very limited circumstances. 

This directly contradicts what I was told on the phone and constitutes a misrepresentation of their policies. I relied on their assurance, provided all evidence as instructed, and yet they have not only refused to remove the fees, but have also denied reinstating my XXXX XXXX status. 

I feel this is an unfair and deceptive practice under the Consumer Financial Protection Act. I respectfully request that the CFPB investigate this matter and require Sezzle to : 1. Remove the late/extra fees tied to the compromised card. 
2. Reinstate my XXXX XXXX membership as promised. 
3. Review their internal practices to ensure accurate, consistent communication to consumers.

I attach the letter from my bank that was sent to the bank app. 

Thank you for your assistance in resolving this matter. 


Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: FL

Complaint narrative:
I was gon na use my card on XXXX pay to pay for XXXX which is a purchasd I make often and goes through on its own monthly but it said my card decline though i had XXXX on it.I contact XXXX support they said has to be approved by bank now XXXX XXXX pay is XXXXXXXX XXXX XXXX  I contacted XXXX XXXX XXXX  they gave me case XXXX and said send front and back of id, ( drivers license ) to XXXX I did send right then. called everyday ,4 times day and no one answered call all day and night for several days. I finally got supervisor on XX/XX/XXXX she was looking at license and turned my card on and I used it that day spending XXXX next day went to pay my light bill would not work.Could not get on app and had notification my address changed.I did not change address. I belive someone has been ordering a seperate card as a payee on my account I never have had a payee.They sent email saying they needed license not expired OR birth certificate soc sec card. My drivers license is not expired it says exp on XXXXXXXX XXXX I highlighted date and reemailed.I did this at least 5 more times between then and now .These people argue with me and say its expired. I said my lights will be cut off they say send birth cert and soc sec card which i don't nt have bc it was stolen.I was victim if id fraud in XXXX and reported this. Also I had a card started XXXX in the start XXXX XXXX XXXX  they shut it off due to 2 separate XXXXcharges and sent card with XXXX different app and my card never has been right. I belive criminals who took XXXX in XXXX  kept original card bc fraud charges were made XXXX XXXX California and I saw the original card number on XXXX with the last name XXXX on XXXX belive my ssi was never put on XXXX as of XX/XX/XXXX and was sent back to social security I still only get ssdi but on my card app says railroad retirement.I am supposed to get ssi XXXX. They said I got card XXXX ss vards are regional for time zone and i couldn't use it every nmonth untill XXXX at XXXX XXXX  not XXXX like the XXXX card i think there is XXXX card XXXX idk so i just called today monday XX/XX/XXXX and still can get no anwser they say they will put me on fraud or supervisor but no one anwsere an hour i hang up. I think someone transfering the ssi which should come 15-24 of month .. I need my money badly and they cut card on 1 day then off next day what the hell makes no sense. i am gon na file police report after this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, the information in my report must be accurate, complete, and verifiable. I am asking for these late payments to be verified, and if verification is not possible, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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