vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
Dispute # XXXX XX/XX/year> Report Number - XXXX The information you disputed has been verified as accurate Dispute # XXXX XX/XX/year> File Identification Number : XXXX VERIFIED AS ACCURATE ; however, we updated : Last Payment Made ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. 


Dispute # XXXX XX/XX/year> Confirmation number : XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. 


Dispute # XXXX XX/XX/year> Report Number - XXXX The information you disputed has been verified as accurate Dispute # XXXX XX/XX/year> Confirmation number : XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION * CLOSED DATE * HISTORICAL ACCOUNT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
Dispute # XXXX XX/XX/year> Report Number - XXXX The information you disputed has been verified as accurate Dispute # XXXX XX/XX/year> File Identification Number : XXXX VERIFIED AS ACCURATE ; however, we updated : Last Payment Made ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. 


Dispute # XXXX XX/XX/year> Confirmation number : XXXX THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE PRIOR PAYING HISTORY ON THIS ACCOUNT HAS BEEN UPDATED. 


Dispute # XXXX XX/XX/year> Report Number - XXXX The information you disputed has been verified as accurate Dispute # XXXX XX/XX/year> Confirmation number : XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION * CLOSED DATE * HISTORICAL ACCOUNT INFORMATION.

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 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
On XX/XX/XXXX, I placed an order through XXXX XXXX for a total of {$1700.00}, financed through Klarna under Klarna Order ID : XXXX. I never received the package. The tracking does not show any valid proof that the item was delivered to me, and I never signed for or received the order. 

I submitted a dispute with Klarna because the item never arrived, but Klarna denied the dispute, stating that I did not upload information. This is incorrect I attempted to provide information, but the dispute was closed before the issue was resolved. Klarna continues to bill me for a product I never received. 

I contacted XXXX XXXX, and their representatives told me they could not offer a refund and that I needed to dispute the charge with my card company, which in this case is Klarna. XXXX XXXX also stated in writing that the situation was out of their scope and advised me to contact law enforcement. I was then instructed to email XX/XX/XXXXlaw enforcement team, but they responded saying they do not handle cases like this, even though XXXX XXXX support directed me to them. 

I am attaching : A police report showing I reported the non-delivery Screenshots of XXXX XXXX stating the issue is out of their scope The email from XX/XX/XXXX law enforcement team stating they do not handle these cases I have made every reasonable effort to resolve this with both Klarna and XXXX XXXX, but neither company will take responsibility. Meanwhile, Klarna is attempting to charge me for an item I never received, and I have been notified that this situation may affect my credit and may even be sent to collections. I should not be financially or credit-wise penalized for a product that was never delivered.

I am requesting that Klarna : 1. Pause all collection activity and negative reporting, 2. Reopen and properly invest
igate the dispute, and 3. Remove all charges unless the merchant can provide valid proof of delivery to my address. 

I am submitting this CFPB complaint because Klarna is attempting to collect payment for an undelivered product, despite the merchant confirming they can not assist further. I am asking the CFPB to intervene so I am not held responsible for a package I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
The disputed item contains false details that mischaracterize my financial conduct. I kindly ask that it be corrected and updated accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
I sent the following attached dispute letter to Transunion via certified mail on XX/XX/year>. According to my mail receipt, the letters were delivered on XX/XX/year>. Today, XX/XX/year> as it stands marks the XXXX day since Transunion has received my letter. Pursuant to 15 U.S.C 1681i ( a ) ( 6 ) ( B ) ( iii ), Transunion is in violation of my rights under the FCRA by failing to provide the description of their method of reinvestigation for the disputed accounts- XXXX XXXX XXXX XXXX ) & XXXX XXXX XXXX XXXX XXXX XXXX ). Failure to provide this as mandated constitutes willful noncompliance under the 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 2025-12-09 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I request a review of this inaccurate late payment and an update to show a positive record.

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 2025-12-09 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: CA

Complaint narrative:
Please accept this correspondence as my formal dispute of the referenced accounts. I have no connection to them and did not authorize their creation. I request a review and removal of these items. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I respectfully request that the following inquiries and late payments be reviewed and corrected for accuracy in my credit report. 

INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> LATE PAYMENT : 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 non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am requesting assistance with a credit reporting issue on my XXXX XXXX account ending in XXXX. In 2025, I experienced financial hardship and contacted XXXX XXXX for help. Their team enrolled me in a payment plan for XXXX through XX/XX/year>2025. I made every plan payment on time and received confirmation from XXXX XXXX stating I successfully completed the payment plan. 
My concern is that XXXX XXXX reported my account asXX/XX/XXXX days late during the same period I was actively participating in their hardship plan, even though I followed the plan exactly as agreed. I was not informed that late payment reporting would continue while I was making the agreed-upon plan payments. 
I am now trying to rebuild my credit, and these late marks reflect temporary hardship, not my long-term behavior. I attempted to request a goodwill adjustment directly, but XXXX XXXX has removed secure messaging from my account, and their published escalation emails bounce back. I have no available method to submit my request through them directly. 
I am asking for the CFPB 's assistance so that XXXX XXXX will review my case and consider removing the late payment reporting for XXXX, XXXX, and XX/XX/scrub> 2025 as a goodwill adjustment. I completed the payment plan as required and am simply requesting a fair reconsideration. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am requesting assistance with a credit reporting issue on my XXXX XXXX account ending in XXXX. In 2025, I experienced financial hardship and contacted XXXX XXXX for help. Their team enrolled me in a payment plan for XXXX through XX/XX/year>. I made every plan payment on time and received confirmation from XXXX XXXX stating I successfully completed the payment plan. 
My concern is that XXXX XXXX reported my account as 6089 days late during the same period I was actively participating in their hardship plan, even though I followed the plan exactly as agreed. I was not informed that late payment reporting would continue while I was making the agreed-upon plan payments. 
I am now trying to rebuild my credit, and these late marks reflect temporary hardship, not my long-term behavior. I attempted to request a goodwill adjustment directly, but XXXX XXXX has removed secure messaging from my account, and their published escalation emails bounce back. I have no available method to submit my request through them directly. 
I am asking for the CFPB 's assistance so that XXXX XXXX will review my case and consider removing the late payment reporting for XXXX, XXXX, and XX/XX/year> as a goodwill adjustment. I completed the payment plan as required and am simply requesting a fair reconsideration. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
Out of concern for accuracy, I respectfully ask that you review these accounts, which I did not authorize. Please remove them if found fraudulent. Documentation is attached.

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 2025-12-09 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: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXXregarding theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

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 2025-12-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I requested my PayPal account be closed XX/XX/year> they did not and now all XXXX is going on cause they are " without my permission '' MOVING MONEY from companies / people and or whom ever I used my account with in the past. 

they have messed up my XXXX account XXXX Account XXXX Account. 

and they keep sending me notices that I disputed charges... I HAVE NOT DONE 1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: DE

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : 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 2025-12-09 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute Request for Permanent Deletion of Inaccurate Account ( XXXX XXXX ) To Whom It May Concern, I am formally disputing the accuracy and validity of the following account appearing on my Experian credit report : Creditor : XXXX XXXX. 
Account Type : Revolving Reported Balance : {$7200.00} Reported Limit : {$7000.00} Date Updated : XX/XX/XXXX Dispute Reason : Inaccurate, incomplete, and unverifiable reporting This account contains multiple errors and inconsistencies, including : 1. Incorrect balance 2. Incorrect credit limit 3. Inconsistent or inaccurate update dates 4. Missing or incomplete account documentation 5. No proof that I authorized this account 6. No original signed contract 7. Reporting that does not match the furnishers own records Under the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611, Experian is required to delete any account that is inaccurate, incomplete, or unverifiable. Updating the information is not sufficient.

I am requesting IMMEDIATE and permanent deletion of the XXXX XXXX account from my Experian credit file. 

Please send me written confirmation of the deletion once your reinvestigation is complete. 

Sincerely, 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 2025-12-09 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Me and my brother had an apartment together which I moved out of and he stayed I have had several apartments afterwards and have always left in amazing standing. When I tried to apply for an apartment together provide housing for me and my daughter I was denied multiple times because of eviction that I knew nothing about and its on my public record. It went to court I was not served any papers at all to show up and defend myself my brother did not as well and if he did he most likely didnt know what was happening because he has XXXX. The final judgement was possession only the judged stated no money was owed, only that the apartment was took back. I didnt even know my brother was evicted u til I applied for an apartment. This is hindering me to get a home for me and my child! I have always paid my rent and have always left apartments in good standing. I was not even living in the apartment when the eviction was done and I have proof of that if needed. 
So therefore I am filing this complaint because my credit file contains an eviction-related balance that is being inaccurately reported. The court judgment associated with this case was possession only, meaning no monetary judgment was awarded against me. 

Despite this, a balance is being reported on my credit. I disputed this information directly with the credit bureau and the collection agency, and provided proof of the final judgment showing no money was owed. The balance still remains on my report. 

This reporting is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 602 and 607, due to failure to ensure accurate and verifiable reporting. Because the court explicitly did not issue a monetary judgment, there is no legal basis for a collection entry with a balance. 

I am requesting a full review and deletion of the incorrect balance reporting. A copy of the judgment is available and will be provided upon request. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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