vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
First premier is reporting inaccurate information to the three credit reporting agencies. This information includes inaccurate payment status, inaccurate payment history, an erroneous and inconsistent reporting of last activity date, inaccurate reporting of closed date, reporting payment activity and credit utilization of a charged off account. These are all violations of the fair credit reporting act in XXXX XXXX reporting standards in an attempt to cause additional damage to my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received a credit report suggesting that I owe you an alleged debt. You have provided no evidence to substantiate this claim. Therefore, I am demanding that you immediately DELETE all claims and negative reporting against me related to this account. 

If any of the reported items lack mandatory documented evidence of : Verified factual proof of claim Truthful and accurate reporting Correct and complete information Timely and lawful reporting Valid ownership and responsibility Full compliance with XXXX XXXX reporting standards Then you are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX guidelines, and other applicable federal laws. 

You are hereby ordered to provide : Full, documented proof of your lawful authority to collect or report this debt Validated evidence that I owe this debt, including any original signed contract bearing my signature Proof that you have verified all information with the original creditor in compliance with XXXX XXXX, FCRA 1681i, and 1681s-2 ( b ) I do not consent to any interaction with you under duress, coercion, or threat of credit harm. If you fail to fully comply within 20 days of receiving this notice, you must immediately and permanently cease all reporting, collection, and any further derogatory actions related to this claim.

Failure to comply may constitute criminal harassment, extortion, and willful non-compliance under federal law, including but not limited to : FCRA 1681n ( Civil liability for willful noncompliance ) FCRA 1681o ( Civil liability for negligent noncompliance ) For reference, the following account is being challenged : Account Name : XXXX Account Number : XXXX You are fully liable for any continued reporting of unverified, inaccurate, or non-compliant information. I reserve all rights and remedies available to me under federal and state law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc.
State: FL

Complaint narrative:
My Sezzle account was suddenly restricted without warning or specific explanation. I received a message that my account had been reported, and I could no longer use my virtual card or make purchases. I contacted Sezzle support multiple times and was told that there is nothing they can do and that they can not provide details due to internal policy. 
To my knowledge, I have not violated any terms, missed payments, or committed fraud. I believe this restriction may have been caused by an error or overly strict risk flagging. I depend on services like Sezzle to manage bills and purchases and am asking for a full manual review of my account and eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 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: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the credit reporting agencies. The last date of activity on this account was XX/XX/year>. However, XXXX XXXX  continues to report payment history and has been for several years after the charge off date in an attempt to make it appear as recent updates on the account. This is a clear violation of the fair credit reporting act in Metro 2 reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am getting emails saying that I owe XXXXXX/XX/XXXX money I never applied for a XXXXXX/XX/XXXX I have no idea what they're talking about and it's ruining my credit. When I try to call for kiva it asked for the last XXXX digits of my social security number and it doesn't work then it ask for my whole social security number that doesn't work I can't even get a hold of them to talk to a real person.

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 2025-06-19 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: AZ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-19 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: AZ

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX - I received a notification via the Affirm app stating a charge was attempted for {$800.00} at an XXXX XXXX in Florida. I rejected it immediately. I also filed a dispute online immediately, and have proof of the case number opened at the time. Then, on XX/XX/XXXX, exactly {$800.00} was removed from my bank account. I immediately called and told them they needed to refund me immediately. They keep saying that they need to investigate further and it can take up to 90 days. I get a different answer each time, 30 days, 45 days, and 90 days. They are refusing to do anything, including refund me or send documents and recorded calls until they conclude their investigation. Which again, who knows how long that can take because I get a new answer every time. 

At this point, they have stolen {$800.00} from me and there is no telling if or when it will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute the loan agreement associated with the vehicle purchase made on XX/XX/year>. When I agreed to assist my nephew with his purchase, I was under the clear impression that I was only acting as a cosigner for the loan and would not be responsible for the loan itself or the ownership of the vehicle. However, on XX/XX/year>, I received a signed contract listing me as both the primary borrower and the owner of the vehicle, which directly contradicts our original agreement. 
To clarify : I did not sign any loan documents and did not agree to the terms of the loan as they are currently outlined. 
The signature on the loan agreement does not belong to me. 
I was never made aware of these documents prior to their signing and had no knowledge that they were finalized. 
I did not authorize my name to be listed as the primary borrower, and I was only under the impression that I would be a co-buyer, not the main loan holder. 
I am deeply concerned that my name has been falsely used, and I suspect fraudulent activity may be involved. Given the seriousness of these discrepancies, I am requesting that an immediate internal investigation be conducted to verify the authenticity of the signatures and review the loan terms. 
I have already contacted your office by phone, and I was told that the sale was final with no options for resolution. However, I firmly believe that these circumstances require swift and thorough action to protect my legal rights and financial interests. 
Please respond as soon as possible with confirmation that an investigation is underway. I expect this matter to be addressed with the highest priority, and I look forward to your prompt response.

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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: SD

Complaint narrative:
I get reimbursed for my XXXX expenses by my company through through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They process money through a company called Zelle ( https : //www.zellepay.com ). I had previously received money to my credit union through Zelle, but the last payment failed. 

I contacted Zelle to find out what happened, and their support immediately said I needed to install XXXXXXXX XXXX XXXX XXXX XXXX XXXX on my phone. I work in IT, and this software is often used in a corporate enterprise setting, but just remotely giving full remote administrative rights to your phone to some random company is a horrible idea. It may not illegal for Zelle to do this, but it's wildly unethical. I told the representative I wasn't giving them remote administration rights to my phone, and they said they couldn't do anything unless I did.

There are other ways to troubleshoot a phone app without giving someone full control over your phone. Again in a corporate setting, the corporation owns everything, so using XXXX is normal. With my personal cell phone, this is absolutely not acceptable. I'm guessing many people don't realize what's happening when Zelle tells them to give them access to their phone. At a minimum, if they continue to do this, people should be notified that the Zelle representative will have rights to look at anything, and do anything with their phone while they have control of it. Zelle doesn't explain what's going on, they just try to get you to install the software and agreee to everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had four different capital one credit cards. All of them was being paid on time, until I was experiencing activity that was not mine. During this time, I told them about it, then sent me cards for all four accounts and then after I got them in the mail. They decided to close all of my accounts. During this time was also the hurricanes in Florida and I also just lost my job due to the natural disaster so I did not fight or report them at this time because I didnt know what to do. So I unfortunately put it off until now. But at least I am trying to figure out what I should do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying for 3 days to have the fraud alert removed from my Experian consumer credit report however Experian has been making it very difficult to do so. I have tried multiple times to do the removal online, however, this is the error message I am getting. " We can't update this alert online. Contact our agents for help : ( XXXX ) XXXX XXXX from XXXX XXXX. '' I called ( XXXX ) XXXX and they have an automated system in place that will not let me speak to a live agent and they continue to instruct me to complete the request online or mail it in. I need the removal done 3 days ago and I am continuously put into a loop of " complete your request online '' and " contact our agents for help '', which ironically do not help. I need to have the fraud alert 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 2025-06-19 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: NM

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-06-19 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: NM

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 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 2025-06-19 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: TX

Complaint narrative:
I am a XXXX of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am a XXXX of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-06-19 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: NY

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CT

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXXXX/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 explanation