vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Sezzle Inc.
State: AL

Complaint narrative:
I used a virtual single-use credit card through Sezzle to make a purchase on XXXX. The virtual single-use credit card was approved for {$35.00} however the total of the order was {$16.00} so {$18.00} was returned as unused funds. Instead of Sezzle refunding the virtual single-use credit card as their policy states, they reversed the Sezzle promotion ( {$15.00} ) used on the XXXX order . After I contacted customer service, they applied a Sezzle promotion back to my account.

My issue is customer service repeatedly told me that I agreed to a " Sezzle Spend '' policy that must state something about " Sezzle Spend '' being reversed first on a refunded order. However, I can not find anything in Sezzle 's policy stating that I was agreeing to anything of the sort. I never agreed with my US dollars being converted into " Sezzle Spend '' currency. I did read in their policy " Subject to your Loan Agreement, any unclaimed, refunded or denied payments will be returned to the original payment method. '' I have contacted Sezzle on numerous occasions, instead of correcting the problem, Sezzle 's customer service representatives gave me a runaround and never produced the policy stating I agreed to a currency conversion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: CA

Complaint narrative:
Once youve conducted the necessary review, I kindly ask that you confirm in writing that these corrections have been made and the delinquency removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Experian 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 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 2025-10-16 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: GA

Complaint narrative:
I am writing to advise that I am a victim XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} INQUIRIES 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 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am reporting identity theft and fraudulent debt collection activity involving XXXX XXXX XXXX XXXX XXXX  account allegedly opened on XX/XX/XXXX, under my name. 

In XXXX, I received a debt collection letter from XXXX. XXXX, XXXX for {$5000.00} on this account. I immediately informed XXXX XXXX that this debt is not mine. Their representative said it appeared to be identity theft and referred me to XXXX XXXX XXXX XXXX Department. The account was PIN-protected, so I could not verify details with XXXX XXXX XXXX XXXX  I filed an identity theft claim through XXXX XXXX XXXX  website and downloaded their affidavit form. 

I was unable to file a police report because I have no documentation proving the account exists in my name. I have since frozen my credit and placed a 1-year fraud alert with all four credit bureaus. 

In XX/XX/XXXX, I began receiving calls and texts from Credence Resource Management , LLC, claiming I owe an XXXX XXXX XXXX  account ending in XXXX for {$2700.00}. Credence confirmed they have me on file but provided no documentation. 

This shows XXXX XXXX XXXX has continued to sell or assign a fraudulent account after I reported it as identity theft. I am requesting that XXXX XXXX XXXX  close and flag the fraudulent account, that both XXXX. XXXX and Credence delete it from their systems, and that no reporting be made to any credit bureau. 

Attachments include the Credence texts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX reported XXXX late payments on my account for XXXX and XXXX. I called the company and the representative told me it was an error and refunded the late fee amount of {$19.00}. Representative told me that it would be removed from my credit report. I notified the XXXX late payments and reached out to them again this weekend. The representative told me there were no late payments on my account and that she could not call Experian and tell them that and that I had to. I told her I still saw two late payments and I would call Experian. I called Experian and filed a dispute and its still on my account. Experian told me that credit one can indeed call them and have it corrected but they just wont. So I called again and to no avail. I explained to them that as a consumer I am held accountable and as a business so are they. It is not fair to report inaccurate information. I want the XXXX late payments removed.

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 2025-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
There is an assignment of my mortgage, and this appears to have some illegal activity. I requested debt validation, and PNC bank responded without following the UCC 9-210 required signature for authentication. I am sending them a notice of violation. The PNC bank is a licensed professional and should not have to teach them how to validate a debt. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint with the CFPB, Claim No. XXXX. BOA responded, denying my claim. 

I do not agree with BOA 's claim that I authorized the withdrawal of {$5400.00} from my checking and savings accounts is inaccurate. Their so-called " review '' relies on internal records only and provides no documentary evidence of authorization or transfer of {$5400.00} from my checking and savings account.

I request CFB to reopen this case or forward it for supervisory review under Regulation Z 1026.13 ( Billing error resolution ) must be refunded immediately.

Thank 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
XX/XX/year> I purchased a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX employee XXXX XXXX informed me I was required to purchase a {$4000.00} vehicle protection plan in order to secure financing. I explicitly declined, but she stated it was mandatory to complete the loan. This was a misrepresentation. XX/XX/year> After contacting your XXXX XXXX XXXX, I was told the plan was not required. I was provided corrected documents, and I executed a new retail installment contract without the protection plan. My loan with XXXX XXXX was cancelled, and new financing documents were executed. XX/XX/year> I was told I needed to sign additional paperwork because the wrong virtual version had been signed. XX/XX/year> The vehicle was totaled in an accident. My insurance company attempted to process the claim and pay the lienholder. The finance company informed them that the only loan on record had been closed and paid off. XX/XX/year> When I contacted XXXX XXXX, I was told that you had lost my loan paperwork and that I would need to come in and sign entirely new documents after the vehicle was already destroyed in an accident. Violations and Concerns Deceptive Practices I was falsely told the {$4000.00} plan was required. This violates the Texas Deceptive Trade Practices Act ( DTPA ). Negligence Losing signed finance paperwork and cancelling loans without clear notice is unacceptable and caused direct harm. Post-Loss Re-Papering Demanding I sign new finance contracts after the collateral has been totaled is improper, unfair, and potentially fraudulent. Insurance Impact Your mishandling has left my insurer without a lienholder to pay, jeopardizing the claim process. 

Now my insurance company is trying to pay this off, and XXXX suddenly sends me a letter that the " loan fell through '' - rec XXXX XX/XX/XXXX via mail. This was XXXX MONTHS after purchase. The loan did not fall through, they NEVER FILED THE PAPERWORK, THEY LOST IT. Now they want to " reposs '' the car from my insurance jeopardizing my insurance payout. 

This company has lied and abused through out this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint relates to my previous CFPB case XXXX XXXX. XXXX regarding a {$26000.00} charge from XXXX XXXX on XX/XX/year>, which appeared on my XX/XX/year> billing statement. 

I was coerced into authorizing this charge and did not willingly approve it. I first disputed the charge with American Express on XX/XX/year>. The dispute was closed without crediting my account. I provided additional supporting documentation on XX/XX/year>, but XXXX XXXX decision remained unchanged. 

Since then, I have obtained new documentation that further supports my claim : XXXX XXXX  letter confirming the same transaction was treated as unauthorized and that they closed my account accordingly. 

An additional paper I previously had, which also supports that I did not willingly authorize this charge. 

American Express letter dated XX/XX/year>, denying my dispute but acknowledging the investigation. 

Another financial institution independently reviewed this same transaction and concluded it was not authorized, reinforcing my dispute and showing that Amexs denial did not fully consider all evidence. 

The repeated denials, lack of resolution, and inadequate consideration of my documentation have caused significant stress and emotional burden. I request that the CFPB require American Express to reopen the investigation, review this charge as disputed due to coercion/unauthorized circumstances, and credit or remove the {$26000.00} from my account. Please reference my previous complaint ( XXXX XXXX. XXXX ) for all prior documentation, including screenshots, communications, and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I run a non-profit organization, and we signed up with a company called CashNet Solutions Inc. to process credit cards for us in XX/XX/year>. After a few months we determined that the fees for the service were too high based on the amount we were using it, so we cancelled the account in XXXX. CashNet Solutions Inc. said it was no problem to cancel, but they continued to charge us {$60.00} / month in XXXX, XXXX, and XXXX, and only stopped the monthly fee after I sent them a dozen emails. I requested a refund for the {$180.00}, and this was their response : " I'm writing with an update on your merchant account refund request. Because the merchant account was only actively processing for XXXX month ( in XX/XX/year> ), the bank is firm on its decision not to issue any refunds. They view the account as essentially non-active, regardless of the length of time it took them to fully close and terminate it. The bank considers waiving the cancelation fees a sufficient resolution for a non-processing account. Unfortunately, at this point, there is nothing further we can do to secure a refund. ''

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 2025-10-16 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: MA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am submitting this complaint because RentDebt Automated Collections is attempting to collect and/or report a rental debt that is invalid under Alabama law and federal consumer protection laws.

I am a victim of domestic violence, and my departure from the rental property located at [ insert property address ] was directly related to safety concerns and abuse. Under Ala. Code 35-9A-141 and 35-9A-201 ( f ) of the Alabama Uniform Residential Landlord and Tenant Act ( XXXX XXXX, tenants who are victims of XXXX  XXXX are legally permitted to terminate a lease early without penalty or financial liability when proper notice and documentation are provided. 
Despite these protections, RentDebt continues to pursue or report this alleged debt, which is unlawful retaliation and an attempt to collect a debt that is not valid. This has caused me ongoing financial and emotional hardship, especially as a survivor attempting to recover stability and safety. 
Additionally, this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692e False, deceptive, or misleading representation of a debt 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1681s-2 ( a ) Reporting information known or believed to be inaccurate.

Company response to consumer: Closed with explanation