vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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 notify you that I am a confirmed victim of the XXXX  Equifax data breach, which exposed the personal identifying information of over XXXX XXXX Americans, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made. Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law. I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach. Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected. I am prepared to provide supporting documentation, including my identity theft report, upon request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
I see it on my Credit Report but I have no way to contact this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NV

Complaint narrative:
On XX/XX/year>, I placed a XXXX order totaling {$290.00}, using Klarnas Pay in 4 option. I returned all items from this order, yet Klarna has continued to charge me. As of today, Ive paid {$240.00}, with {$48.00} still pending. 
Klarna claims the refund was issued to a different virtual card tied to another order ( XXXX ), which makes no sense. Ive asked repeatedly : Which item am I being charged for? No one has answered. Klarnas explanation is vague and contradictory. XXXX says Klarna isnt even an accepted payment method, yet Ive used Klarna with XXXX multiple times and have receipts to prove it. 
Ive contacted Klarna multiple times between XX/XX/XXXX and XX/XX/XXXX, and their responses have been dismissive and repetitive. I gave both Klarna and XXXX until XX/XX/XXXX to resolve the issue. That deadline passed without resolution. 
I am now pursuing legal action for {$10000.00} against Klarna for : Wrongful billing Mishandling of refund Emotional distress Time lost resolving the issue Potential damage to my credit All documentationincluding receipts, proof of return, and correspondencehas been submitted. I am requesting : A full breakdown of the refund trail Identification of the item Im being charged for Immediate correction of the billing error Confirmation that the balance has been cleared This situation is unacceptable and must be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports. 
Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain. 
________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus. 
Payment statuses are reported inconsistently. 
Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________ 3. Failure to Investigate and Protect My Data After Major Data Breaches I have been affected by several high-profile data breaches, including : The Equifax breach XXXX XXXX ) exposed SSNs, DOBs, and addresses. 
The XXXX breach ( XXXX ) leaked hundreds of millions of personal records. 
The Experian breach ( XXXX ) involved SSNs and credit information. 
These breaches likely contributed to fraudulent accounts and misuse of my identity. I have submitted formal requests for investigation and account blocking, but all three credit bureaus have failed to : Properly investigate. 
Block fraudulent data. 
Provide methods of verification. 
Remove clearly inaccurate personal information. 
________________________________________ 4. Legal Violations Cited : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification ( MOV ).

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data after known breaches.

15 U.S.C. 1681s-2 : Furnishing inaccurate information despite being notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports. 
Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain. 
________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus. 
Payment statuses are reported inconsistently. 
Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________ 3. Failure to Investigate and Protect My Data After Major Data Breaches I have been affected by several high-profile data breaches, including : The Equifax breach XXXX XXXX ) exposed SSNs, DOBs, and addresses. 
The XXXX breach ( XXXX ) leaked hundreds of millions of personal records. 
The Experian breach ( XXXX ) involved SSNs and credit information. 
These breaches likely contributed to fraudulent accounts and misuse of my identity. I have submitted formal requests for investigation and account blocking, but all three credit bureaus have failed to : Properly investigate. 
Block fraudulent data. 
Provide methods of verification. 
Remove clearly inaccurate personal information. 
________________________________________ 4. Legal Violations Cited : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification ( MOV ).

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data after known breaches.

15 U.S.C. 1681s-2 : Furnishing inaccurate information despite being notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX  opened an account using my identity but without my authorization, without any credit inquiries neither other confirmation. 

I realized the unauthorized opening account until I received the debit card. 

I reached out to XXXX  via their customer service number, and being told 1. they can't close the account, can't delete the scammer 's phone number from the account 2. there's already some money in the account XXXX  is account for 1. didn't audit the identity during account application seriously. 
2. the scammer using these account for their crimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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:
Company reported without my written consent or authorization. Violation of my rights under 15usc 1650 and FERPA Violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CT

Complaint narrative:
Company reported without my written consent or authorization. Violation of my rights under 15usc 1650 and FERPA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: CT

Complaint narrative:
Company reported without my written consent or authorization. Violation of my rights under 15usc 1650 and FERPA Violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
I submitted a request to have my reports updated and accurate information reported correctly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This complaint is directly connected to Case # XXXX, which was closed prematurely without a full investigation. I have new supporting documents showing that Mr. Coopers response was misleading and inaccurate. 

Mr. Cooper claimed on XX/XX/year>, that my loan was approved for a Recovery Modification and Trial Period Plan, and that no foreclosure was in place. However, my online account portal shows : 130 days delinquent with {$8800.00} past due A warning : Please contact us to avoid foreclosure proceedings Blocked access to make online payments, even though I am supposedly in an approved trial plan Additionally, Mr. Coopers letters from XXXX XXXX XXXX cite missing documents and delays in approving the Workout Plan Agreement. These delays are entirely internal to Mr. Cooper, not borrower error, yet they continue to report me delinquent and threaten foreclosure. 

Their statements to the CFPB contradict the actual account status in their own system. This has caused ongoing harm, stress, and risk of foreclosure despite my HAF approval and my cooperation in providing all documents. 

Requested Action : Reopen this matter for full investigation. 
Require Mr. Cooper to reconcile their statements with my account records. 
Halt foreclosure actions and delinquency reporting until HAF and FHA processes are completed. 
Restore my payment access and apply payments correctly. 
Review why my prior case was closed prematurely. 

Supporting evidence ( screenshots and letters ) are attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2025, Experian responded to a certified dispute letter I sent directly as the consumer. In my letter, I included a copy of my U.S. passport, my date of birth, and the last four digits of my Social Security number to verify my identity. Despite providing proper identifying documentation and clearly stating that I was submitting the request personally, Experian rejected my dispute. Their response claimed that my request did not appear to have been sent directly by me, and therefore they refused to take action. 

This is inaccurate. My letter was sent via USPS Certified Mail, return receipt requested, which proves the dispute was submitted directly by me. By refusing to investigate, Experian failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ), Section 611, which requires a consumer reporting agency to conduct a reasonable reinvestigation when a consumer submits a proper dispute with sufficient identification. 

I am requesting that the CFPB ensure Experian accepts my valid dispute, conducts a proper investigation, and provides me with the results as required by 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 2025-09-13 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: OH

Complaint narrative:
After reviewing my credit reports, I found multiple accounts and negative items that are inaccurate, unverifiable, or do not belong to me. These include auto loans marked as repossession/voluntary surrender, several credit card charge-offs, and multiple collection accounts. 

I disputed these items directly with the credit bureaus beginning in XX/XX/2025, but the bureaus either failed to provide proof of verification or continued to report the accounts without proper documentation. These accounts are negatively affecting my credit profile and ability to obtain housing, employment, and credit opportunities. 

I am requesting that the companies involved either provide proper documentation proving the accuracy of the reported information or immediately delete the unverifiable accounts in accordance 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 2025-09-13 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: OH

Complaint narrative:
After reviewing my credit reports, I found multiple accounts and negative items that are inaccurate, unverifiable, or do not belong to me. These include auto loans marked as repossession/voluntary surrender, several credit card charge-offs, and multiple collection accounts. 

I disputed these items directly with the credit bureaus beginning in XX/XX/2025, but the bureaus either failed to provide proof of verification or continued to report the accounts without proper documentation. These accounts are negatively affecting my credit profile and ability to obtain housing, employment, and credit opportunities. 

I am requesting that the companies involved either provide proper documentation proving the accuracy of the reported information or immediately delete the unverifiable accounts in accordance 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
XX/XX/year> XX/XX/year> I called to get a debt validation letter so that I could set up a possible payment plan and figure out why the amount was so much when I was then made fun of, harassed, and verbally abused. 

I called a second time on XX/XX/year> with a witness who advised me to speak with a supervisor and they were once again hostile, rude, and would still not provide me with the debt validation letter. They tried to intimidate me and gain more personal information about me. I even put in a request to speak with a XXXX and still have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
What happened : On XX/XX/scrub>, 2025, I noticed a persistent banner in my Citibank app stating that a debit card had been issued to me and needed to be activated. I never requested this debit card, and it never arrived in the mail. I called Citibank and asked them to remove the banner. The representative said they would try to remove it. The banner remained unchanged. 

I called again on XX/XX/year>2025. A second representative explained that their technical team could not remove the banner and that I would not be notified when or if it was resolved. During these calls, I learned that a debit card had indeed been issued in my name without my request. 

Citibank admitted the card exists and has refused or been unable to remove the notification/banner. I am concerned that a financial product was issued without my consent, and the unresolved banner undermines trust in my account. 

Actions taken : Called Citibank twice to request the banner be removed ( XX/XX/year>2025, and XX/XX/year>2025 ). 

Notified the company of the unauthorized debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
Follow-Up New Evidence : On XX/XX/year>, I submitted a complete FCRA 605B identity theft block package to TransUnion. This included FTC Identity Theft Report # XXXX, my government-issued ID, proof of address, and a signed affidavit of non-ownership. The XXXX XXXXXXXX XXXX tradeline was clearly identified as fraudulent in that package. 

Under 605B, TransUnion was legally required to block this account within 4 business days ( deadline XX/XX/year> ). Instead, TransUnion merely flagged the item as identity theft but left it active on my file. This is not compliance, and TransUnion has not issued any lawful 605B ( c ) exception notice.

I also requested a Method of Verification under 611 ( a ) ( 7 ). TransUnion failed to provide the furnishers verification details, supporting documents, or MOV vendor information. Under 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted, yet the XXXX XXXXXXXX XXXX tradeline remains. 

New evidence includes two additional refusal letters I received directly from XXXX XXXX Bank ( dated [ insert todays date ] ), confirming they do not intend to comply with federal law or provide validation. These refusal letters demonstrate a clear pattern of willful noncompliance by both the furnisher and CRA. 

Each day this tradeline remains, my credit scores are artificially suppressed, causing ongoing denial of housing, higher borrowing costs, and financial harm. XXXX continued reporting of this unverifiable, time-barred, and fraudulent account is a direct violation of 605B, 611, and 607 ( b ) of the FCRA.

Company response to consumer: Closed with explanation