vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
I am writing to formally file a complaint against Experian for failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) in regard to a credit dispute I submitted concerning an account reported by XXXX. 

On XX/XX/year>, I submitted a detailed written dispute to Experian, clearly stating that the account in question was not a valid debt. In response, I received only a brief and vague notice stating the account had been " verified, '' with no supporting documentation or explanation provided as to how that determination was made. 

To follow up, I sent Experian a second written request on XX/XX/year>, demanding a disclosure of the procedures and steps used in verifying this account, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Once again, Experian failed to comply. The only response I received was a repeat of the same unsubstantiated claim that the account was verified. 

Furthermore, my XX/XX/XXXX letter explicitly requested that this unverified and unresolved account be removed from my credit report, as Experian has failed to confirm its legitimacy with any documentation or verifiable evidence. As of today 's date, the negative account remains on my report, which constitutes not only a failure to investigate properly, but also an ongoing injury to my credit profile and financial standing. 

In light of this, I am demanding the following : A complete explanation of the steps taken to verify the XXXX account, including the sources consulted ; The immediate removal of the XXXX account from my credit file if verification can not be lawfully substantiated ; Written confirmation that corrective action has been taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Debt Validation and Claim Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To : Debt Collector for XXXX XXXXXXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation and Claim Request under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern : This is a formal request under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) for validation and verification of the alleged debts reported under my name. I do not acknowledge these debts and am requesting the following information for each account listed below : Account XXXX : - Creditor Listed : I C System - Original Creditor : XXXXXXXX XXXX XXXX Balance : {$340.00} - Opened : XX/XX/XXXX As required by 15 U.S.C. 1692g, please provide full and complete validation and documentation for each of the following : 1. A complete itemized payment history for each account ; 2. A signed copy of the original contract or agreement bearing my signature showing that I agreed to the terms of the alleged debts ; 3. The name and address of the original creditor ; 4. A breakdown of all charges ( principal, interest, fees, etc. ) ; 5. Full documentation of the chain of title proving your legal right to collect this debt ( chain of assignment from the original creditor to your agency ) ; 6. Proof of your license and authorization to collect debts in the state of Michigan ; 7. Any evidence of insurance claims filed or paid out related to this debt ; 8. Confirmation that this debt has not been re-aged or misrepresented in any way ; 9. Assurance that the statute of limitations has not expired under Michigan law.

Until all of the above documentation is received and reviewed, you must cease all collection activities and refrain from reporting or updating this account to any credit bureaus. If the account is currently being reported, it must be marked as disputed in accordance with 15 U.S.C. 1692e ( 8 ).

Failure to fully comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office.

This is not a refusal to pay, but a request for full debt validation and legal proof of claim. Please respond within 30 days of receipt of this letter. 

Sincerely, 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 2025-08-05 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: GA

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not apply to these companies, nor did I give them permission to access my credit information. As a consumer, I value my rights and expect them to be upheldespecially when it comes to something as important as my credit. With everything else going on in my life, this added stress is overwhelming and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EX immediately block and permanently remove multiple fraudulent accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX for {$2300.00} ) and XXXX XXXX XXXX XXXX ( Account # : XXXX, reported on XX/XX/XXXX for {$570.00} ) that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer XXXX Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2300.00} and listed in collection status, and a collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX for {$570.00}. These accounts have resulted in several fraudulent hard inquiries and collection activity appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed into sending money through XXXX using my Chime account. I was promised a car delivery, but after I paid, the seller vanished. I provided a police report and all evidence to Chime, but they denied my claim twice. 
This is a case of authorized fraud I authorized the payment, but I was misled under false promises. 

Im requesting that Chime reopen my case, escalate it properly, and issue a refund for the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-05 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-08-05 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 BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I deny any involvement with these accounts. They are unauthorized and fraudulent. Please delete them from my credit record in line with USC 1681g within 15 days. Proof is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EQ immediately block and permanently remove multiple fraudulent accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$490.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$2300.00} ) both listed in collection status, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC XXXX Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report two ( 2 ) fraudulent accounts appearing on my consumer FICO Equifax credit report, which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent accounts consist of a XXXXt credit card account opened on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a reported balance of {$490.00}, and a XXXX XXXX credit card account opened on XX/XX/XXXX, under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$2300.00}. Both accounts are currently listed in collection status. These accounts have resulted in several fraudulent hard inquiries and collection activity appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NM

Complaint narrative:
sent to the furnishing or reporting of the following items : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax ( Hard Inquiries on credit Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not con report ) Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
I purchased two items using XXXX XXXX in XXXX plan. I returned XXXX of the items in person to the store, and the merchant refunded the returned item directly to my credit card, not through Klarna. 

Klarna is still charging me the full payment plan, claiming the refund wasnt properly issued. I have submitted documentation showing both the return and the refund, yet Klarna refuses to adjust the payment schedule. They continue to demand payment for an item I no longer possess and have already been refunded for. 

I believe Klarna is attempting to collect on a debt that no longer exists, which is both unfair and deceptive under consumer protection laws. 

Attached are : The refund confirmation showing the amount returned to my card Proof of return ( emailed receipt from XXXX ) The original Klarna order showing both items purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate reporting on my credit files by TransUnion, Experian, and Equifax, which is directly harming my ability to expand my business and access necessary financing. 

Due to these incorrect and unverifiable entries, my credit profile has been negatively impacted, resulting in : Denials or limitations of business credit and financing Increased interest rates on existing or potential loans Direct interference with my business growth and economic opportunities This harm violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Bureaus must maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Disputed information must be reasonably reinvestigated and corrected. 

I have disputed these inaccuracies with each credit reporting agency, yet the erroneous accounts remain and continue to cause financial harm to both my personal and business credit standing. 

I request that the CFPB investigate this matter, compel the credit reporting agencies to fully comply with the FCRA, and require the prompt correction or deletion of the inaccurate information so that I may move forward with my business expansion without undue damage to my credit.

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