vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 Date : XX/XX/year> 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Since XX/XX/XXXX,, my clients XXXX and XXXX XXXX XXXX have experienced repeated delays, duplicative document requests, and contradictory communication from XXXX regarding their VA short sale. Despite multiple escalations to supervisors and the VA, XXXX has failed to issue approval. 
Offer nets XXXX {$500000.00}, which is {$24000.00} above the minimum acceptable payoff of {$480000.00} confirmed by both XXXX and the VA. The VA has stated they see no reason for denial. 
XXXX 20 days after receiving offer from buyers and never mentioning anything stated seller concessions must be reduced to 1 % for the va approval ( when I called XXXX VA to confirm this they stated it was inaccurate ), VA allows up to XXXX XXXX seller concessions and FHA allows XXXX XXXX 
On a recorded call, supervisor XXXX XXXX assured us the file would be escalated and we would receive a callback the same day. This did not happen, causing further delay. 
My client XXXX XXXX XXXX stated he believes he has been discriminated against by XXXX representative, XXXX XXXX, due to being a XXXX man. He believes delays were intentional, constituting a violation of the XXXX XXXX XXXX XXXX. 
These delays are harming both families : the buyers ( first-time homebuyers with two small children, now displaced after ending their lease ) and the sellers ( who have vacated and relocated ). 

We respectfully request that the CFPB require XXXX to immediately issue approval so the sale can close by the contractual deadline of XX/XX/XXXX ( On previously submitted complaints submitted to the CFPB on XX/XX/XXXX dates stated in complaint read XXXX instead of XXXX, although the complaints submitted on XX/XX/XXXX are valid and true they were misdated )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NY

Complaint narrative:
Purchase : My wife, XXXX XXXX, made a purchase through Klarna for a product/service offered by The XXXX. Klarna processed the payment through XXXX XXXX. 
Non-delivery : The product/service was never delivered. 
Initial complaint : XXXX filed a dispute with Klarna. 
XXXX response : The XXXX refused to issue a refund and even sent legal threats. 
XXXX : Despite being listed as the payment recipient, XXXX has not responded at all. 
XXXX position : Klarna stated that they will only refund if the merchant refunds them, leaving XXXX responsible for paying for something she never received. 

Current situation : XXXX is being charged for an undelivered service, with no accountability from Klarna, The XXXX, or XXXX. 

Request to CFPB : XXXX Klarna to refund XXXX directly. 
Stop Klarna from attempting to collect payments for undelivered services. 
XXXX Klarna reviews its dispute resolution practices to comply with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXXI asked Wells Fargo for a credit limit crease on XXXX XXXX XXXX. In several recorded conversations, I made it clear that I did NOT consent to a pull of my credit report. Today, XXXX XXXX XXXX Wells Fargo pulled my credit report and created a XXXX inquiry without my consent. I spoke to their executive office and they created case XXXX XXXX XXXX XXXX  but made no steps to honor my request to have the inquiry rescinded with all XXXX credit bureaus. Please hold them accountable for their unauthorized pull of my credit report to the maximum extent of the 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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received 3 separate {$2000.00} charges totalling {$6000.00} one day for a XXXX XXXX XXXX XXXXXXXX XXXX '' on XX/XX/XXXX just after I left my local XX/XX/XXXX. I called Wells Fargo as soon as I could as these were obviously fraudulent charges which immediately maxed out my card. When I called the people on the phone seemed helpful and assured me that this seemed like a very obvious, open-shut claim as it was for some kind of electrical engineering work that I had obviously not authorized. I hadn't received any correspondence since that day until I noticed an additional {$6000.00} worth of charges were placed on my account re-maxing it out. Since the new card was now unusable with the maxed out funds, I called Wells Fargo again to check the status of my claim. They said the claim was denied because it " used a physical card '' at a location in XXXX more than XXXX hours away from me just minutes after I made another, real, physical purchase at a XX/XX/XXXX in XXXX, Illinois where I live. The agent on the line also seemed reassuring that it was obviously impossible for me to be in two places at once which were hours away and that they would send it in for reconsideration. There is currently a police report out for these stolen funds. I'm still unable to use my card and I'm not receiving any information on the processing of my claim. I am having this fraud which has disabled the use of my card completely last for an indefinite amount of time without any updates on the status or resolving of my case. I still have not been notified that my original claim was denied. I only found out because I lost access to my card. I think this is absurd that for a transaction that is so obviously fraudulent I have waited almost a month already to only have my card now unable to use.

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 2025-09-25 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC AND XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXXis 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 2025-09-25 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-25 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: NJ

Complaint narrative:
I am filing this complaint against Equifax because they report inaccurate accounts and personal information on my credit file. Equifax is reporting two XXXX accounts ( XXXX and XXXX ) and one XXXX XXXX account ( XXXX ). These accounts are unauthorized and unverifiable. I never consented to them, never signed any agreement, and never provided Equifax or any furnisher with written instructions to report them. Reporting these accounts without consent is a violation of 15 U.S.C. 1681b ( 2 ). Allowing them to remain is a violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which requires a reasonable reinvestigation. Equifax has also failed to maintain accurate personal identifiers. They continue to show XXXX XXXX XXXX XXXX XXXX, XXXX, NJ as an address associated with me, which is false. My only correct address is XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NJ XXXX. My correct employer is XXXX XXXX  Equifax has a duty under 15 U.S.C. 1681e ( b ) to ensure my personal data is accurate, yet they continue to publish and circulate false identifiers. Furthermore, Equifax has ignored its obligation under 15 U.S.C. 1681c-2 to block identity theft-related information within four business days once notified with an FTC Identity Theft Report . They have also failed to comply with 15 U.S.C. 1666a by continuing to report disputed debts as valid when they remain unresolved. These failures are reckless, negligent, and willful violations of my rights under the FCRA, exposing Equifax to liability under 15 U.S.C. 1681n and 1681o. The harm caused is real. My creditworthiness has been damaged, my score has dropped, and I have been denied access to financial opportunities that I rightfully qualify for. I am suffering both financial and emotional harm due to Equifaxs refusal to follow the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Several fraudulent accounts and inquiries appear on my Equifax credit report that I did not authorize or open. I did not apply for, consent to, or use any of the following accounts or inquiries. 

Fraudulent Accounts : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( formerly XXXX  ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXt XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-09-25 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: GA

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 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.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-25 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: FL

Complaint narrative:
THESE 3 COMPANIES ARE ON MY CREDIT REPORT AND THEY CLEARLY DO NOT BELONG TO ME I HAVE ATTACHED AT SUPPORTING DOCUMENTATION THAT I HAVE EVEN FILED FOR IDENTITY THEFT ABD HERE IS A VALID POLICE REPORT. I HAVE ATTEMPTED TO ALREADY RESOLVE THIS WITH THE CREDIT BUREAU AS THE OTHER 2 WHICH ARE TRANSUNION AND EQUIFAX ARE NOT REPORTING IT DUE TO THE IDENTITY THEFT AND IT BEING REPORTED ALREADY. I DO NOT HAVE ANY FINANCIAL OBLIGATION WITH THESE 3 CREDITORS. THISIS MY SECOND TIME DOING THIS WITH YOU.I WILL TAKE LEGAL ACTION IF THIS IS NOT RESOLVED THIS WAY WITH YOU. 

XXXX BANK, THE XXXX XXXX AND ALSO XXXX XXXX ONLY EXPERIAN IS REPORTING THEM AND THEY DO NTO BELONG TO 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 2025-09-25 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:
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 Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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