vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
The company is Affirm XXXX services which Ive used without issue before. 
The order was placed on XX/XX/XXXX, I placed an order using the some of the credit provided, in the amount of {$2600.00} from a company called XXXX XXXX, then it cancelled on XX/XX/XXXX : the vender finally processed the cancellation confirmed on XX/XX/XXXX by XXXX XXXX XXXX at XXXX XXXX, ORDER # XXXX : cancelled XX/XX/XXXXXXXX XXXX XXXX. I immediately notified Affirm who on XX/XX/XXXX sent confirmation of the Refund back to Affirm in the amount of {$2700.00} as they apparently reduced price by {$170.00} reducing the total loan price to {$2600.00}. then Affirm claimed with interest charges on a unit I never received was {$2800.00}. Affirm finally arrived sent confirmation that XXXX XXXX had refunded {$2600.00} after that XXXX adjustment. Now theyre claiming I owe {$2800.00} XXXX which was the payment had I received the unit I cancelled. Then they tell me they openned a dispute on my behalf so they can charge me not only payments but the interest of XXXX. They also told me they would mail me the check they received XXXX and I would need to deposit it. to payoff my loan. This company supervisor named XXXX told me they would mail in 7-15 business days. Its been nearly 45 days they are clearly playing financial games to hold a check that should of been processed by them over a month ago simply so they can charge interest on a cancelled and refunded product. I know now they have a bad reputation and have done this to hundred 's of customers smearing our otherwise fairly good credit. This company should not be pernitted to scam customers on cancelled orders. Ive called them dozens of times and they keep telling me more and more time someone needs to stop them from ruining clients credit scores as they choose.Please help me resolve this matter as soon as reasonably possible my credit scores gone down over XXXX points because of these them. can CFPB please help get this company to stop scamming its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Mercury Technologies, Inc.
State: IA

Complaint narrative:
Company : Mercury ( XXXX XXXX XXXX  ) accounts held with XXXX XXXX  XXXX XXXX XXXX XXXX. 

Routing number : XXXX/ Account number : XXXX/ XXXX XXXX XXXX : Indefinite withholding of client funds following account closure. 

Complaint Narrative : My business account with Mercury was recently closed without clear explanation. While I understand Mercury may choose to terminate services, the company has refused to release my remaining account balance of [ insert amount ], which is legally my property. 

Despite repeated written requests : Mercury has provided only generic responses stating that account closure decisions are final and can not be reconsidered.

Mercury has not cited any contractual, regulatory, or legal authority under which it is entitled to indefinitely withhold my funds. 

My requests for confirmation of the regulatory basis for this hold and instructions on how to recover my balance have been ignored. 

This situation is unacceptable and inconsistent with U.S. banking regulations. Account closure does not extinguish my right to access my funds. Unless there is a specific legal order ( e.g., XXXX sanction, court order, or regulatory freeze ), customer balances must be returned promptly. 

I am therefore requesting the CFPBs intervention to ensure that : Mercury and/or its partner bank immediately release my remaining balance, or Provide a legally valid written explanation of why my funds are being withheld. 

Amount in Dispute : XXXXXXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed multiple hard inquiries listed on my credit report that I did not authorize. These inquiries were not made in connection with any credit application I submitted, and they are not associated with any open, closed, or charged-off accounts currently on my credit report.

These inquiries appear to have been made without my consent and I am concerned that they may have occurred without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). Additionally, the presence of these unauthorized inquiries can lower my credit score and misrepresent my creditworthiness to future lenders.

These inquiries are not connected to any existing, active, or past accounts. I believe these inquiries are damaging your creditworthiness unfairly.

INQUIRIES AND INQUIRY DATES ARE XXXX XXXX Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the reporting of inaccurate late payment notations on XXXX open accounts listed in my credit report. After thoroughly reviewing my credit file, I have identified entries indicating late payments that do not accurately reflect my payment history or financial activity. These late payments are either incorrectly reported or are the result of clerical or processing errors, and as such, I believe they need to be carefully investigated and rectified. The XXXX accounts in XXXX XXXX  and XXXX XXXX XXXX both listed as having late payments, which is inaccurate. These late payment notations do not align with my actual payment history or any communication I received regarding these accounts. In some cases, the reported late payments may have been the result of a minor delay in processing or a temporary issue, such as a payment being applied incorrectly, which does not justify a derogatory mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-28 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:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX XXXX 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 2025-08-28 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
My name is XXXX XXXX, and this complaint is regarding XXXX XXXX XXXX # XXXX. 

My account was frozen over a disputed {$30.00} ACH return ( Code XXXX ). This claim is the root of the issue. I have spoken with my bank, XXXX, multiple times. They have repeatedly and officially confirmed that they have no record of this chargeback or ACH return ever happening. 

While my account was frozen, I discovered a more serious issue. I made XXXX recent cash deposits totaling {$270.00}. My bank records confirm that XXXX debited the full {$270.00}, but my XXXX account was only credited with {$150.00}. A total of {$120.00} of my money remains uncredited and missing. 

On the evening of Wednesday, XX/XX/year>, I contacted XXXX 's live chat support to report this missing {$120.00} and the systematic overcharging, equaling XXXX XXXX  on average per token, and I buy lots of tokens. Immediately after my chat session ended, XXXX 's response was to freeze my account entirely. 

To date, XXXX has not returned my missing {$120.00}, nor have they returned the other cash and XXXX  assets totaling over {$470.00} in my account. Their response to me reporting their errors was to lock me out and terminate my account without returning my property. This is causing me extreme financial hardship. 

Thank you for your time. I also have screenshots of all bank and trading accounts, as well as all the chats that took place within XXXX. Please note : Due to a technical issue with the file uploader, I will be mailing approximately XXXX pages of screenshot evidence to your XXXX, IA, XXXX. XXXX. The documents will be sent referencing the case number assigned to this complaint.

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 2025-08-28 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: SC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : 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 2025-08-28 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: GA

Complaint narrative:
Formal FCRA Dispute XXXX XXXX XXXX XXXXXXXX XXXX  account is listed as a charge-off, with conflicting information on dates and balances across bureaus. No verification has been provided despite previous disputes.

Violations : FCRA s609 Lack of source disclosure.

FCRA s611 Improper reinvestigation.

FCRA s623 Continued reporting of unverifiable data.

FCRA s605 Account history contains outdated derogatory marks.

This account must be deleted from all credit files 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was scammed/defrauded on the street. Basically modern day mugged without the hands on violence. 

I was walking down the sidewalk in XXXX when I saw a group of XXXX XXXX XXXX  asking for donations for a brother that had apparently been killed by the cops to bury him. Given the nature of this story, I thought it was real and was willing to donate the {$1.00} they asked for. In the end the story clearly is all fabricated, though, so it was a donation under false pretenses as well. They said they did not take cash donations but wanted donations from $ XXXX {$15.00} and could take card or XXXX XXXX. I offered to donate {$1.00} through XXXX XXXX, and they literally took control of my phone and hit my debit card for {$2500.00} which was automatically marked as fraud and denied, then {$1000.00} which was automatically marked as fraud and denied, then {$1000.00} which went through/not auto denied and then ANOTHER {$1000.00} which went through/not auto denied. They kept telling me its not working and then kept unlocking my card without my consent by pointing it to my face to use my face ID. At the same time, they were having me sign a form with my name, donation amount ( which I marked as {$1.00} and suspect they could have later forged a larger amount ), signature, date, email. At this point, I knew something was very wrong but was intimidated and didnt know how to stop the interaction. They also tried to charge another credit card from my XXXX XXXX which was marked as fraud immediately and did not go through. So ultimately, I agreed to a {$1.00} donation under false pretenses and was hit with thousands of dollars, {$2000.00} of which were not auto marked as fraud and immediately denied. They even asked do you have any other cards? and are you sure? when I said no. I immediately reported those two {$1000.00} transactions as fraud to my bank and filed a police report.

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 monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. I am attaching FTC Report # XXXX as supporting documentation. I believe that the following accounts, balances, and inquiries have been inaccurately attributed to my credit file due to errors or fraudulent activity. These inaccuracies are negatively impacting my creditworthiness and I am requesting a thorough investigation to resolve these issues. Please ensure that these items are fully reviewed and removed if they can not be verified as legitimate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 2025-08-28 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 am writing to formally dispute and request the removal of inaccurate and unauthorized information currently reported on my credit file. I am attaching FTC Report # XXXX as supporting documentation. I believe that the following accounts, balances, and inquiries have been inaccurately attributed to my credit file due to errors or fraudulent activity. These inaccuracies are negatively impacting my creditworthiness and I am requesting a thorough investigation to resolve these issues. Please ensure that these items are fully reviewed and removed if they can not be verified as legitimate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit companoha e my personal information, banking information soliciting me with high interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting XXXX account # XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A.States I have the rights 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.

Company response to consumer: Closed with explanation