vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I applied for an XXXX credit card just to get 20 % off a big order and was supposed to receive the card in the mail. 

I wasnt even formally notified of my approval! I NEVER EVEN SET EYES ON THIS CARD. Forgot I even applied until I saw they were claiming I was bad for XXXX dollars. I make XXXX plus a year I DONT CARE ABOUT XXXX DOLLARS, WHO WOULDNT PAY THAT. 

I reported to XXXX that I did not make an XXXX dollar purchase, and they claimed to be investigating. When I called back they said there was no documentation of my dispute so I initiated the dispute AGAIN. Next time I called to check they said they had sold it off. 


I didnt even know about it I never got the card! They had an incorrect address on file and they told me the card doesnt need to be activated upon receipt. Whose horrible idea is that?? 

I disputed this with Experian and they are a XXXX mess. Their employees can barely speak above a XXXX grade level and provided inaccurate or nonsensical information to me several times. I recieved an email my dispute had been decided on and that docs were available but there were no docs and the app was saying it wasnt done yet. 

When I called the representative was saying oh no its not actually decided on but the creditor said they had received notification it was in their favor. 

Its illegal to favor them by giving them information significantly before I get access, and also after numerous attempts to be given insight on what evidence was used to prove I did owe that debt Ive been met with NOTHING. 

Theyre ruining my life and credit over XXXX dollars on a stolen card I never even saw with my own eyes

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the fair credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C.1681g ), and 604 ( 15 U.S.C.1681b ).

After reviewing my recent credit report, I have identified the following inquiries that Ido not recognize or authorize : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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: FL

Complaint narrative:
I am filing this complaint because Dept. of Education/XXXX has willfully reported inaccurate and unfair student loan delinquencies to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in dispute are as follows : Dept. of ED/XXXX Account # XXXX Balance : {$3500.00} Dept. of EDXXXX Account # XXXX Balance : {$260.00} Dept. of EDXXXX Account # XXXX Balance : {$570.00} Dept. of EDXXXX Account # XXXX Balance : {$2100.00} These delinquencies have been inaccurately reported because my loan servicer failed to provide the required XXXX advance notice of billing once my forbearance period expired, as mandated by 15 U.S.C. 1666b. Without proper notification, I was denied the opportunity to make payments on time, and late payments were improperly added to my credit reports.

This conduct also violates 15 U.S.C. 1681s-2, which requires furnishers to ensure that information reported to consumer reporting agencies is accurate and complete. By reporting late payments without fulfilling their legal notice obligations, Dept. of EDXXXX knowingly furnished inaccurate information that has unfairly harmed my credit standing. 

I request immediate regulatory enforcement requiring removal of these inaccurate delinquencies from my credit reports. If corrective action is not taken, I reserve the right to escalate this matter further, including legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: CA

Complaint narrative:
1. Cease and Desist Communication : I demand that CORELOGIC immediately cease all forms of communication with me, including phone calls, letters, emails, text messages, and communications through third parties. Continued contact will constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ). 

2. Debt Validation : I demand written validation of the alleged debt as required under federal and state law. This includes the exact amount claimed, the name of the original creditor, and documentation proving you are authorized to collect this debt. Failure to provide proper validation is a violation of my legal rights.

3. Credit Reporting Opt-Out : I formally instruct CORELOGIC to cease reporting any information regarding this alleged debt to all credit reporting agencies, including XXXX XXXX XXXX XXXX XXXX Any attempt to report, update, or maintain negative information regarding this matter on my credit file will be considered a direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: ND

Complaint narrative:
Progressive car insurance charged me for the month after I cancelled my plan i had through them in XXXX. I should not be charged for a month I didn't use there services. The debt was taken over by a company called XXXX XXXX. They arenthe ones who put this invalid debt on my credit report as a collection. This is a fraudulent charge that I never agreed to pay as I cancelled my plan I had through XXXX  and it needs to be removed immediately from my credit report. It was already disputed and removed from the other XXXX credit report agencies but it still remains on my XXXX  report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
In XXXX of XX/XX/XXXX I tried to acquire my first title loan. When I found out someone had used my social security to get one. They acquired it in XXXX when I was only XXXX XXXX XXXX and didn't own the vehicle. I'm not sure how they were even approved for the process since I was a XXXX  when the loan was taken out against my social security number. I personally never received the money or ever been in contact with the person who acquire the loan in my name in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I bought a bed from XXXX that was financed through Wells Fargo. Every time I went online to try and pay for the bed, I was not allowed online. They weren't allowing me to pay. I tried everything and could not access payment through Wells Fargo. I tried to call Wells Fargo and they said I had to go to Wells Fargo in person to prove my identity in order to have access to my account online. 

The only problem is that I live in Hawaii and there is no Wells Fargo here. I bought the bed through XXXX and financed it. All I wanted to do was pay for the bed on autopay. It was very affordable. I just could not access the website to pay because they did not allow me to have access! 

My account eventually went to collections and is heavily affecting my credit score.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IL

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the XXXX major Credit Bureaus ( XXXX XXXX XXXX XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Select a date Enter text Enter text Enter text Enter text Enter text Enter text Enter text Enter text Enter text # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am disputing the XXXX late payments reported on my account. Fraudulent activity occurred on my bank account, which caused my attempted payments to return unpaid. Although I made timely attempts to pay, the payments were reversed due to the fraud investigation and account disruptionnot because of negligence on my part. 
As a result, my account was incorrectly marked as 30 days past due. I corrected the issue immediately once the fraud was resolved. These late payment notations are inaccurate and do not reflect my actual payment behavior.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because Dept. of EducationXXXX has willfully reported inaccurate and unfair student loan delinquencies to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts in dispute are as follows : Dept. of EDXXXX Account # XXXX Balance : {$3500.00} Dept. of EDXXXX Account # XXXX Balance : {$260.00} Dept. of EDXXXX Account # XXXX Balance : {$570.00} Dept. of ED/XXXX Account # XXXX Balance : {$2100.00} These delinquencies have been inaccurately reported because my loan servicer failed to provide the required XXXX advance notice of billing once my forbearance period expired, as mandated by 15 U.S.C. 1666b. Without proper notification, I was denied the opportunity to make payments on time, and late payments were improperly added to my credit reports.

This conduct also violates 15 U.S.C. 1681s-2, which requires furnishers to ensure that information reported to consumer reporting agencies is accurate and complete. By reporting late payments without fulfilling their legal notice obligations, Dept. of ED/XXXX knowingly furnished inaccurate information that has unfairly harmed my credit standing. 

I request immediate regulatory enforcement requiring removal of these inaccurate delinquencies from my credit reports. If corrective action is not taken, I reserve the right to escalate this matter further, including legal action.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/year> I notified Affirm of fraud on my linked bank account that was preventing payments. In their prior CFPB response, Affirm admitted that I reported this fraud and that their agent provided insufficient support. Despite this, Affirm failed to pause auto-debits or provide assistance. 

Affirm continued attempting withdrawals from a compromised account, which triggered overdrafts and ultimately caused multiple loans ( XXXX XXXX XXXX XXXX XXXX XXXX ) to go XXXX days overdue and be charged off. 

Reporting these loans as simply delinquent is misleading and incomplete under the Fair Credit Reporting Act ( FCRA ), because the defaults were directly caused by Affirms negligence after being notified of fraud. Their own admission of insufficient support shows they failed to act reasonably once aware of the issue. 

This is new evidence not addressed in my prior complaint, and I am requesting CFPB to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Klarna AB
State: GA

Complaint narrative:
I am filing a complaint regarding Klarnas mishandling of a dispute for a transaction in which I did not receive the services I paid for. 

I made a purchase for {$110.00} on XX/XX/year>. The package was delivered with no items. I reached out to the merchant and they declined to help because a tracking number was provided, same reason Klarna declined the first dispute I filed. I tried to explain that a delivered status on a tracking doesn't reflect the items were actually delivered, and provided pictures and a police report. 

Klarna reopened the dispute over the phone, but they filed using the same argument, which made the resolution the same. 

After contacting Klarna about this transaction, Klarna initiated XXXX dispute on my behalf without my consent to the details submitted. These filings were incorrect, did not accurately reflect my claim, and were rejected as a result. 

When reached out again, they told me XXXX were the maximum disputes allowed. 

Following that, Klarna informed me that they cap the number of disputes for a transaction at XXXX. They are now refusing to allow me to file a new, corrected dispute, even though I remain within the XXXX dispute period required under federal law ( TILA/Regulation Z and EFTA/Regulation E, depending on transaction structure ). 

By capping the number of disputes and refusing to permit a proper filing, Klarna has effectively denied me my federally protected rights to dispute a billing error/unauthorized or failed transaction. Klarna is preventing me from accessing the protections that consumers are entitled to under federal consumer financial protection laws, including : Truth in Lending Act ( TILA )/ Regulation Z : which guarantees consumers the right to file disputes for billing errors within 60 days and requires creditors to investigate.

Electronic Fund Transfer Act ( EFTA ) / Regulation E : which provides consumers with rights to dispute unauthorized or erroneous electronic transactions within 60 days. 

Klarnas refusal to allow me to file a valid dispute constitutes an unfair and abusive practice. It places the burden of Klarnas own erroneous filings on me as the consumer and denies me the ability to exercise my dispute rights under federal law.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I called them and told them I have an inquiry on my credit report that I do not recognize this company that I did not authorize anyone to run my credit and could they please remove it

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