vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-09-10 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: IA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am filing a complaint regarding XXXX mishandling of my account cancellation and wrongful referral to collections. 

In XX/XX/year>, I followed XXXX instructions to close my account : I paid my final bill, obtained a transfer PIN, and ported out my number. I had three lines on the account, but only one was in use ; the other two were inactive and never activated on a device. I was led to believe the entire account was closed at that time. 

However, I recently learned that XXXX recorded the account as canceled in XX/XX/year>, not XXXX. As a result, charges were added for months of service I did not use or authorize, and I was first informed of this only when a debt collection agency contacted me in XX/XX/year>. I never received bills or notices during this period, nor had access to my account after the port-out. 

I request that XXXX XXXX XXXX XXXX ) correct its records to reflect a XX/XX/year> cancellation ; ( 2 ) waive all charges accrued after XXXX ; ( 3 ) recall the account from collections ; and ( 4 ) confirm that no negative credit reporting will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX [ Your Email Address ] Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Escalated Complaint Regarding Inaccurate ChexSystems Report Dear Consumer Financial Protection Bureau, I am submitting this complaint because ChexSystems and XXXX XXXX XXXX XXXX have repeatedly failed to correct or properly investigate inaccurate information on my ChexSystems consumer report. 

The disputed entry is reported by : Source : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Reported For : Account Abuse Account Number ( last digits ) : XXXXXXXX  Closure Date : XX/XX/year> Reported Balance : {$1400.00} ( Listed as Unpaid ) I have disputed this information twice directly with ChexSystems, providing evidence that the reporting is incorrect and does not reflect my banking history. Despite this, ChexSystems continues to report the item as verified without providing adequate proof. 

Additionally, my report contains numerous inquiries that I did not authorize, including multiple inquiries from XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. I requested validation of these inquiries, but no documentation proving my authorization has been provided. 

The continued reporting of this inaccurate and unverifiable information has severely harmed me by preventing access to basic banking services and damaging my financial reputation.

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 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 2025-09-10 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: CA

Complaint narrative:
My report includes inquiries that I XXXX am requesting a fair and accurate representation of my credit report. For any inquiries that may not comply with permissible purpose guidelines under 15 USC 1681b, I ask for the removal of those that can not be verified as authorized.lieve do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX, an agency specialist for XXXX, regarding repeated inaccuracies that XXXX has been reporting on my credit profile. I have disputed these inaccuracies with the credit bureaus multiple times over the course of several months. These errors have cost me both time, money and Credit Worthiness Each time I submitted a dispute, XXXX altered the information to other incorrect entries, including but not limited to : Re-aging the account Reporting inaccurate balances Reporting inaccurate dates Opening and closing the account repeatedly on my credit file Misusing and manipulating my credit information Continuing to report inaccurate data During my conversation with XXXX XXXX, she initially stated that it was not XXXX  but TransUnion and Equifax that reported the inaccurate information not XXXX. I explained that these issues have been ongoing for months and that the disputed items needed to be removed from my credit file. She then stated that XXXX has a duty to report information regarding the account. I reminded her that the duty is to report accurate information. At that point, she admitted over the telephone that accurate information was not being reported. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish information relating to a consumer that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 2 ) : If a furnisher determines that previously furnished information is incomplete or inaccurate, it must promptly notify the credit reporting agencies and correct or delete that information. 

15 U.S.C. 1681s-2 ( b ) : After receiving notice of a dispute from a credit reporting agency , a furnisher must conduct a reasonable investigation, review all relevant information, and report the results accurately.


XXXX continued actions of re-aging the account, reporting inaccurate balances and dates, and repeatedly opening/closing the account are direct violations of the above FCRA provisions .

Based on these violations and the admission that accurate information was not being reported, I am demanding that this account be removed from my credit profile immediately.

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 2025-09-10 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: PA

Complaint narrative:
I am formally disputing the XXXX account ( # XXXX XXXX XXXX  ) that currently appears on my credit file. 
I hereby demand the immediate, complete, and permanent deletion of this account from my credit report due to numerous technical, chronological, and legal inaccuracies, which render the account unverifiable, inaccurate, and legally invalid under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard. 
Furthermore, this account has been reported without my express authorization, which constitutes a direct violation of multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, 1681e ( b ), 1681i Truth in Lending Act ( TILA ) 15 U.S.C. 1631 Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 ; 16 C.F.R. 313 Right to Financial Privacy Act 12 U.S.C. 3402 UDAAP ( Dodd-Frank Act ) Prohibiting unfair, deceptive, or abusive practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase bank placed a levy freeze on my account from Child support. I have no Child support case. There is no court order signed by a judge to seize my funds. Child support can not seize my bank account because I do not owe the state the mother was never on XXXX. Also my monthly and only income is form the VA. Per law va funds and ssn funds are subject to exemption and funds can not be frozen ... im asking chase to unfreeze my funds so I can close my account. This is a civil matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

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 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 XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I purchased XXXX T-Mobile phones in XXXX as part of the promotion I was to receive XXXX {$250.00} XXXX debit cards that could only be used in XXXX or XXXX stores XXXX I tried to use the first card at XXXX on XX/XX/year> and it was declined. I called XXXX who transferred me to someone at XXXX the card admisistrator and they told me that the issue was my address was different on the card than at XXXX ( XXXX had recently moved ) the woman fixed the address issue and then merged all of the money on XXXX card. On XX/XX/year> I again attempted to use the card and it was declined. I again called XXXX and was transferred to XXXX. The assured me the card issue would be fixed by the following day. Card was again declined on XX/XX/XXXX and XXXX. Each time I called an I was given the same story. On XX/XX/XXXX the card actually worked and I was able to make a purchase for {$180.00}. However on XX/XX/XXXX and XXXX once again the card was declined. At this point they are holding {$810.00} of my money XXXX and are refusing to let me use it. This is not a credit card but a debit card financed by XXXX with rebate money belonging to me. I already asked them to send me a check for the balance on the card and they said they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Supplemental Response Complaint # XXXX Consumer : XXXX XXXX XXXX DOB : XX/XX/year> SSN ( last four ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am submitting this supplemental response regarding Complaint # XXXX to clarify the nature of my dispute. 

Clarification This is not a fraud or identity theft claim. My complaint concerns the presence of inaccurate and duplicative personal identifiers on my credit reports maintained by Experian, Equifax, and XXXX 

Specifically, I am requesting the permanent deletion of incorrect name variations, addresses, and employers that do not belong to me. My correct personal information is already documented in my original complaint and supported by the government-issued ID, Social Security card ( last four ), and proof of address I provided. 

Statutory Basis FCRA 607 ( b ) : Requires credit reporting agencies to assure maximum possible accuracy of consumer information. 

FCRA 611 ( a ) : Requires a reasonable reinvestigation when notified of disputed information. 

Incorrect names, outdated addresses listed as current, and employers not belonging to me are clear inaccuracies under the statute. 

Requested Action Process this complaint as an FCRA personal information dispute, not fraud. 

Delete all incorrect identifiers listed in my original complaint ( name variations, outdated addresses, incorrect employers ). 

Retain and report only my verified information : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Employer XXXX XXXX Provide a written confirmation letter and an updated credit report showing these corrections. 

Closing I respectfully request that the CFPB ensure the credit bureaus conduct a proper reinvestigation and correct the inaccuracies in compliance with FCRA 607 ( b ) and 611 ( a ). Labeling this as fraud is inaccurate and delays correction of clear reporting errors. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: MA

Complaint narrative:
I paid Klarna in full for an XXXX booking, but I did not use the stay. XXXX only issued a partial refund and has refused to return the remaining balance. Klarna, as the payment provider, refuses to assist me in recovering the funds, even though I have disputed the charge with my bank. 

Despite paying Klarna in full, I have not received the service I paid for, and Klarna is holding my funds without taking action to help me resolve the issue. I am requesting that Klarna refund the remaining balance I am owed and take responsibility for recovering it from XXXX, as I have made every effort to resolve this directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You are reporting FRAUDULENT ADDRESSES on my credit report. The addresses are XXXX XXXX XXXX, XXXX, GA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX. PLEASE DELETE/REMOVE INCORRECT ADDRESSES THAT ARE REPORTING ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

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