vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and XXXX XXXX XXXX  confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
Remov the accts from my report, inacurrate info. The vehicle was repossed and still showin open and on tim. Proff of repossesion has been provided per creditor.

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 2025-09-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
This collection agency XXXX XXXX XXXX. Is claiming I owe a debt. This law firm Stenger & Stenger PC is representing them. This is the second time on different accounts. I was not properly serverd and the courts decided to proceed with any method to collect from me with no accurate information. This law firm is filing a wage garnishment from a case in 2021, four years ago. No pappers has been served for this suit. This law fim is improperly violation me with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CO

Complaint narrative:
Remove these inaccurate records within 15 days under the guidance of USC 1681g.

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 2025-09-11 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: CA

Complaint narrative:
I am submitting this statement regarding a late payment reported on my XXXX XXXX  account ending in XXXX, which I opened on XX/XX/XXXX. The account currently has a balance of {$10000.00}, and the late payment was reported on XX/XX/XXXX. At the time, I was grieving the death of a close family member and, due to the emotional distress, I unintentionally missed the payment deadline. This was an isolated incident, and I have since brought the account current. I value maintaining a strong payment history and have consistently worked to keep my account in good standing. I am requesting consideration for a goodwill adjustment to remove or update the late payment record, as it does not reflect my usual credit behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX for {$1800.00} using Klarnas Pay in XXXX plan. 



Return of item : I returned the speaker using the XXXX  label provided by XXXX. XXXX tracking confirmed delivery to XXXX  return address over 3 months ago. Despite proof of delivery, XXXX denied receiving the return. XXXX closed their investigation in my favor, confirming the package was delivered correctly. 



Dispute with XXXX  XXXX XXXX : I disputed the first two Klarna payments ( {$450.00} and {$450.00} ) with XXXX  XXXX XXXX. Klarna informed me that my remaining payments would be paused while the dispute was in process. Both disputes were resolved in my favor by XXXX  XXXX XXXX. 



Payment activity ( per Klarna app screenshots ) : XX/XX/XXXX {$450.00} ( authorized installment ) XX/XX/XXXX {$450.00} ( authorized installment ) XX/XX/XXXX {$680.00} ( unauthorized charge while disputes were open ) XX/XX/XXXX {$450.00} ( unauthorized charge after disputes were closed in my favor ) XX/XX/XXXX {$450.00} ( unauthorized charge after disputes were closed in my favor ) Klarna charged my card a total of {$3200.00}, far exceeding the {$1800.00} purchase price. 



Refund activity ( per Klarna app screenshots ) : XX/XX/XXXX {$450.00} refund XX/XX/XXXX {$450.00} refund XX/XX/XXXX {$450.00} refund Refund total : {$1300.00}. 

Even after these refunds, Klarnas own records show inconsistent balances and that I am still owed approximately {$1100.00}. 



Klarnas response : Klarna claims they can not issue the refund because the merchant declined, despite : XXXX. XXXX proving the return was delivered. 
XXXX. My bank ruling both disputes in my favor. 
XXXX. Klarna continuing to make withdrawals without authorization. 



Harm caused : Klarna is ignoring the dispute resolution outcome and continuing to bill me without authorization. This violates the Fair Credit Billing Act and Electronic Fund Transfer Act. 

This has caused financial hardship, as I am currently XXXX XXXX XXXXXXXX and urgently need the money owed to me for XXXX XXXX 



Summary : Original purchase : {$1800.00} Total charged by Klarna : {$3200.00} Refunds issued : {$1300.00} Balance still owed : approx. {$1100.00} I am requesting CFPB intervention to compel Klarna to return the {$1100.00} still owed and to stop unauthorized withdrawals from my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of a bankruptcy public record that appears on my credit report. The record was not directly obtained from the court, but instead reported by a third-party data vendor, XXXXXXXX XXXX XXXX XXXX XXXX and included by TransUnion. 

Under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report, including public records. 

I noticed a bankruptcy public record listed on my credit report that I believe is either inaccurate, unverifiable, or improperly matched to my file. 

I contacted TransUnion through the CFPB on numerous occasions and submitted a formal dispute, requesting verification of the public record, its source, and the procedures used to match it to me. I also requested deletion if it could not be verified using original court records. To date, the CRA has not provided documentation proving the accuracy or original source of the record. 

I also submitted a direct dispute to XXXX XXXX XXXX XXXX on under FCRA 623 ( a ) ( 8 ) and 12 CFR 1022.43, demanding they verify the accuracy and completeness of the bankruptcy information they supplied. As of this filing, I have not received a response within the 30-day timeframe required by law, and the bankruptcy is still being reported. 

It is my understanding that the bankruptcy data was not obtained directly from the court, but rather through a third-party data aggregator. This process introduces risk of misidentification and incomplete information, especially given that bankruptcy information is redacted per bankruptcy rules and procedures. If the furnishers and reporting agencies can not prove that the data was collected and verified from the official source ( i.e., the court ), they are in violation of the FCRA and are legally required to delete the record. 

I am requesting that the CFPB require XXXXXXXX XXXX XXXX XXXX and TransUnion to : Provide evidence of the procedures used to verify and match this public record to me. 

Delete the bankruptcy immediately if they can not prove the data is complete, accurate, and obtained from the original source. 

Cease and desist from further reporting of unverified or unverifiable information that damages my creditworthiness. 

I have attached my dispute letters to both the CRA and the data furnisher as part of this complaint. Thank you for your assistance in resolving this matter.

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 2025-09-11 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: PA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: PA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$63.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Since XX/XX/2025, XXXX  XXXX, Discover, and XXXX XXXX XXXX XXXX have not been reporting my most recent credit card payments to the credit bureaus. 

At the beginning of XX/XX/2025, I contacted XXXX XXXX and XXXX XXXX to ask why my last payments had not been reported and when they normally submit payment information. Both institutions told me that they would report the payments any day now, but to date, the payments still have not been reported. 

Additionally, XXXX XXXX reported my current status far outside of their normal reporting period and statement-ending window. This inaccurate and untimely reporting caused my XXXX  credit score to drop by more than XXXX points. 

These credit institutionsparticularly XXXX XXXX failing to report accurate and timely credit standing, payments, and statuses, and should be held accountable for these lapses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-11 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: FL

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 explanation
Consumer complaint received 2025-09-11 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:
I am filing this formal complaint against Equifax for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/year>, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX were fraudulent. Despite receiving this information, Equifax has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX - XX/XX/year> Account Name : SC XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

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

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 2025-09-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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