vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Wxw Investments, LLC
State: GA

Complaint narrative:
This account was included in my bankruptcy before the account was sold to AMG Finance by XXXX XXXX XXXX in XXXX, XXXX Bankruptcy case number : XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
An account was opened using my SSN and DOB and my name ( backwards " XXXX XXXX '' at XXXX on XX/XX/XXXX wtih account Account Number XXXX XXXX XXXX XXXX XXXX ( that is all I know ). However, I did not open this account at all. The person opening the account used a XXXX XXXX, XXXX  address, but I was living in XXXX, XXXX  at the time. I never knew about this account until I checked my credit this year ( XXXX ) and found out the account was sold to MIDLAND CREDIT MANAGEMENT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX. I have tried to call then many times, each time they give me a different number to call that is a prerecorded number trying to sell me medical alert equipment. 

I do not know what to do about this, but need help. I have never shopped at XXXX and 100 % never got a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: PA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Klarna AB
State: TX

Complaint narrative:
XXXX XXXX XXXX i was approved with a XXXX miney power after add funds to klarna top feature to use klarna platform to purchase products from klarna partners in XXXX payments after add a balance with my credit card when try make purchase with klarna website no feature for top or option and when try use klarna app XXXX XXXX purchase no such option also try go straight threw XXXX to use klarna balance after top up no such option on XXXX website for klarna top up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX of this year, I applied for the Quicksilver credit card. On the application page, it showed a promotion of 0 % APR for the first 15 months. I clicked on that link, applied, and was approved for the card. 
I received my card this month, but when my statement came, I was charged {$47.00} and some change in interest fees. I called customer service on XX/XX/XXXX to report the issue. I explained to the representative that my account shows a 27 % APR instead of the advertised 0 % promotional APR. I asked why I didnt receive the promotion, since the application page did not state that approval for the 0 % APR offer was conditional or subject to denial.The representative told me I was declined for the promotion but couldnt explain why. I asked what the qualifications were and where I could find this information, but she didnt know. She then transferred me to a supervisor.The supervisor was also unable to explain why I was declined. He only repeated that I didnt qualify for the promotional APR but could not provide the reason. I asked again about the qualifications I was missing, but he said he didnt know. I then asked if I could be given more details about why I was denied for the 0 % APR promotion. He told me he couldnt provide that information, which I find unusual since this is my account and I believe I should be able to access that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: WA

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 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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CT

Complaint narrative:
My credit was breached and has inaccurate and fraudulant activity that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
I am filing a complaint against Equifax for knowingly reporting inaccurate information related to a closed account from XXXX XXXX XXXX XXXX XXXX 
The account ( ending in XXXX ) was closed months ago but is being re-aged each month, with Closed dates such as XX/XX/year> and XX/XX/year>. 
This ongoing re-aging is inaccurate, misleading, and in violation of the FCRA. 
I have attached screenshots showing these reporting inconsistencies. 

Additionally, there is a duplicate version of the same account still being reported as open with a {$0.00} balance, while the re-aged version is closed and reporting 46 late payments. This conflicting and duplicative reporting further violates the accuracy standards under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
In XX/XX/year>, I attempted to use my Robinhood  XXXX XXXX to pay {$2000.00} to my apartment community, XXXX  XXXX. The transaction was declined, and Robinhood support explained that XXXX does not support rent, mortgages, or associated fees. 

I followed up because Robinhoods advertising for the XXXX XXXX states 3 % cash back on all categories, and the published Rewards Program Rules do not explicitly exclude rent or mortgages. I asked Robinhood to clarify in writing where this exclusion is disclosed or to confirm if the merchants category code may have been misclassified. Instead, I was referred to a clause in the Cardholder Agreement that allows Robinhood to deny any transaction at their discretion, without further explanation.

I believe the marketing claim of 3 % on all categories is misleading since it does not match the fine print or how the card is applied in practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$5700.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2200.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MI

Complaint narrative:
I used Klarna, a third-party installment payment service, to purchase necklaces from XXXX I was initially charged {$720.00} on XX/XX/XXXX and scheduled to pay XXXX monthly installments for the next 12 months. Once the necklaces were delivered, I returned them the next day via XXXX. According to the tracking information, the return package was delivered to the merchant on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Klarna stating that the returned packages were empty. No communication occurred during the month between the delivery date and this email saying that the boxes were empty. I have tracking information and XXXX shipping receipts showing the package was delivered and included the items, including the weight of the package, which clearly indicates it was not empty. 
Klarna informed me that they would investigate the issue, which they did for about a week. However, they ultimately decided to side with XXXX, despite the absence of any evidence showing the packages were empty. If the packages were indeed empty, any tampering would have occurred on their end. As a result, I am now being held responsible for {$3000.00} for items that I do not possess. After receiving Klarnas initial decision, I contacted them to request that the dispute be reopened, which they did. I am now reaching out to the CFPB for additional support in resolving this matter, as I have provided tracking information, shipping receipts, and evidence showing the returned packages were delivered with the items intact, yet I am still being held responsible for {$3000.00}. 
XXXX is the usps tracking number showing that the package was delivered to me and XXXX is the tracking number of the returned package. The return label was paid for by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was told to try an XXXX credit card by the cashier, i asked if there were any catches and she said no, so I used the credit card, then I paid it off, when I paid in full, the app kept showing that it was taking too long to send, so it kept making me pay late fees. I finally paid it all off, then they gave me another late fee. I notice the late fees are false, they don't accept my payment until a while later. They seem to be strategically trying to get more money out of people. They keep harassing me, conveniently as I am facing unemployment. Now the late fees have snowballed into a large amount, and commenity bank keeps harassing me, through voicemails and calls, and the Bread Financial app it works through shows that I owe even more money! Commenity bank keeps saying they have recorded their attempts to reach out to me, and that their messages are very important. I don't owe them anything. They are trying to take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Experian has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective 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 2025-09-15 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: IL

Complaint narrative:
Subject : Identity Theft Fraudulent Credit card/loan accounts Request for Removal Under FCRA 605B Complaint : I am submitting this complaint regarding a fraudulent credit card accounts and personal loan that has been reported on my credit file. This account was opened as a direct result of identity theft, and I did not authorize, open, or benefit from these 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 Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the legal right to request that any consumer reporting agency block and remove all information relating to accounts that were the result of identity theft once I provide proper documentation. I have already submitted an identity theft report and supporting documentation to the credit bureaus and the furnisher of the fraudulent accounts. Despite my request, the account continues to remain on my credit file.

The continued reporting of this fraudulent account is a clear violation of my rights under FCRA 605B, and it is causing me financial harm and damage to my creditworthiness.

Requested Resolution : Immediate removal and permanent blocking of the fraudulent auto loan account from my credit reports across all consumer reporting agencies ( XXXX, Equifax, XXXX  ).

Confirmation in writing that this account will not be reinserted into my credit file.

Enforcement of compliance by the furnisher and the credit reporting agencies with FCRA 605B.

I am providing all supporting documents, including my identity theft affidavit, police/FTC report , and correspondence sent to the credit bureaus.

Company response to consumer: Closed with non-monetary relief