vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FORA 5 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencys, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquires 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 aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FCT Identity Theft Criminal Complaint # private case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) just straight-up THEFTd my XXXX leased truck TWICE-first off my driveway, then again after I dragged it back-cause their buddy XXXX XXXXXXXX XXXX XXXX co-signer they XXXX XXXX registration WITHOUT me signing XXXX ) clicked key service like its XXXX XXXX I pay EVERY XXXX, yet these clowns ignored me as primary lessee, lied to my face XXXX XXXX XXXX XXXX Ford Credit XXXX XXXX XXXX then-after I filmed their XXXX ADMIT even he shouldntve approved-they PANICKED, called Ford Credit, PAID OFF XXXX XXXX XXXX lease XXXX XXXX  XXXX ) and TERMINATED it silent-style. No notice. No refund. No keys. No title. I want : XXXX. My truck back NOW-no games. XXXX. Every cent I dropped ( down payment + months of payments + tax ) wired today. XXXX. Clean title shipped overnight-Cali law says its MINE once yall ghost-paid it. XXXX. Or else Im slapping felony theft on XXXX desk, blasting the vid on every lawyer XXXX, and dragging your XXXX to small claims XXXX XXXX XXXX XXXXXXXX court till you cry. Dealership XXXX XXXX literally said on cam : shouldntve happened. Thats confession. Send help-or send checks. 
U dont get to pay it off and give it to ur friend XXXX XXXX XXXX I have prove every payment made. U pay off $ XXXX shows on Ford Credit page and my credit it shows $ XXXX and closed. In California terminating without notice, stealing my personal belonging with it my work equipment I lost my job, that caused friction at home I lost my wife XXXX kids I dont receive a check or keys I will sue XXXX XXXX XXXX XXXX every social media XXXX XXXXXXXX XXXX and I will pay for ads to let people know so that they dont get scammed like me. U already seen the video XXXX sec which made u pay off the truck the rest is enough for lawsuits crooks and animals

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts : 1. XXXX  XX/XX/year> - 2. XXXX Account Number : XXXX - 3. XXXX Account Number : XXXX - 4. XXXX XXXX Account Number : XXXX - 5. XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing multiple inaccuracies on my credit report, including incorrect names listed as XXXX XXXX XXXX and XXXX XXXX XXXX, and inaccurate addresses XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, and XXXX XXXX XXXX, XXXX, GA XXXX. XXXX  XXXX account ending XXXX is reported with a {$0.00} balance and a late close date of XX/XX/XXXX, which is inaccurate. Numerous inquiries listed on my report are unauthorized or inaccurate, including : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/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 2025-11-24 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove accounts from my report, they are hurting my ability to obtain credit and other things.

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 2025-11-24 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 
Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
On or around XX/XX/XXXX, I noticed that XXXX started to furnish data about me to XXXX, Equifax, and XXXX stating that I owed them for an unidentified account. XXXX used my social security number and other private information to open an account in my name. They reported negative things to my credit report to coerce payments from me. This inaccurate reporting to the credit reporting agencies negatively impacted my credit score and made me appear as if I wasnt creditworthy. I reached out Aidvantage via certified mail on XX/XX/XXXX asking them to cease all collection and reporting efforts until the alleged debt is validated. XXXX never responded with the requested as well as continued to furnish this inaccurate and unverified information. I never received any of the documents I requested so I contacted them again on XX/XX/XXXX. Still XXXX, didnt respond or remove the negative reporting from neither of the XXXX credit reporting agencies. This is my last attempt to get this problem fixed before I am forced to take this complaint to the XXXX XXXX  XXXX Courts to get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : ( XXXX  XXXX ) ( Account Number : XXXX ) Please investigate and provide proof with statements showing these payments were late.If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : ( XXXX  XXXX ) ( Account Number : XXXX ) Please investigate and provide proof with statements showing these payments were late.If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am filing this complaint because while reviewing my credit reports, I discovered several serious and ongoing inaccuracies that have not been corrected despite my disputes. In my Experian file, an incorrect and improperly formatted addressXXXX XXXX XXXX XXXX XXXX, GA XXXXcontinues to be reported, even though this is not my correct address and has already caused mail disruptions and confusion. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to DELETE and update information, and the presence of outdated data linked to this address also violates FCRA 605 ( a ) regarding obsolete information. I have requested that Experian investigate under FCRA 623 ( b ), yet the incorrect address remains. In my TransUnion report, I found questionable reporting on two accounts : XXXX XXXX ( XX/XX/year> ) and XXXX ( XX/XX/year> ), which appear outdated, inaccurately dated, or otherwise inconsistent with my records, raising concerns regarding compliance with FCRA 605 reporting limits. Even more concerning, several hard inquiries associated with these entries appear without any record of my authorization or consent, suggesting potential violations of FCRA 604 ( a ), which requires a permissible purpose for every inquiry. As a consumer, I have the right under FCRA 611 to dispute inaccurate or unauthorized inquiries, yet these inquiries remain on my report and continue to impact my creditworthiness. I have attempted to resolve these issues through the credit bureaus directly, but the errors persist, leaving me misrepresented and unfairly penalized by inaccurate reporting across multiple systems.

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 2025-11-24 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX balance {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX balance {$140.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Description of the Issue : XXXX  XXXX XXXX is inaccurately reporting a 30-day late payment for XX/XX/XXXX on my credit card account ending in [ XXXX ]. This late payment was caused by a known system defect/flaw within XXXXXXXX XXXX XXXXXXXX XXXX payment platform, not by consumer negligence.

Chronology of Events : 1. The credit card was set up with a successful, active Autopay linked to my external XXXX XXXX  account ending in [ XXXX ]. 

XXXX. In XX/XX/XXXX, I closed my separate, internal XXXX  XXXX XXXX Checking Account. 

XXXX. The Bank Error : Upon closing the internal checking account, the XXXX  XXXX XXXX system illegally and unilaterally deleted the external Autopay link for the credit card, without any correlation between the two accounts. 

XXXX. XXXX  XXXX XXXX failed to provide any notification ( email, text, or physical mail ) that the active external Autopay had been removed, which is a violation of the terms of service and standard banking practice. 

XXXX. When the XXXX payment was missed due to the bank 's system failure, I received a notification of a score drop, immediately contacted XXXX, paid the full balance, and the bank refunded the interest/fees, implicitly acknowledging the error. 

Resolution Requested : I have filed multiple direct disputes with XXXX  and the credit bureaus which have failed because they only verify the late payment date, not the cause. I require the CFPB to compel XXXX  XXXX XXXX to initiate a proper investigation into the system logic failure and to immediately remove the 30-day late payment from all three credit bureaus as this is an inaccurate and defamatory report resulting from a bank process failure.

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 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: AZ

Complaint narrative:
In XX/XX/year>, I made purchases through a company called XXXX using two different payment methods : XXXX and Klarna. Both transactions were for the same products, but the items received were not as advertised. I filed disputes with both companies. 

XXXX resolved their dispute immediately and refunded me in full. 

Klarna, however, has still not released my refund. My Klarna account shows the refund as processed on their end for over two months, but I have never received the funds. When I contacted Klarna support multiple times, different agents gave me contradictory explanations. 

At first, Klarna claimed the refund was never issued, even though the Klarna app clearly shows the refund as processed. Later, Klarna told me the refund was being held because I owed a {$10.00} payment on Klarnas Credit Builder product. I paid this amount, but the verification system still prevents access to my refund. 

Klarna requires identity verification to release the funds, but their system will not complete the verification process. It gets stuck every time, and support continues to tell me to try again later. I have tried for over two months, and the issue has never been fixed.

I requested documentation proving whether the refund was sent or not, and clarification about the conflicting information. Klarna has not provided any documentation. I also attempted to email Klarnas compliance team, but their server rejected the email.

I am now unable to access funds that Klarnas system shows as refunded, and their verification failure is preventing me from recovering my money. XXXX resolved their side immediately, but Klarna has not corrected or released the refund for over two months.

I am filing this complaint to request CFPB assistance in requiring Klarna to : 1. Provide documentation confirming the refund status, and 2. Release my refund that has been held due to their verification system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-11-24 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: NV

Complaint narrative:
TransUnion is reporting a bankruptcy that is inaccurate, unverified, and does not belong to me. I disputed the item and requested a full Method of Verification under FCRA 611. TransUnion was unable to provide documentation proving the bankruptcy or showing that it is linked to me. I also submitted court documentation confirming that the court does NOT report bankruptcy information to credit bureaus. This means TransUnion is publishing an unverified public record in violation of FCRA 607 ( b ), which requires maximum possible accuracy. I am requesting deletion of the unverified bankruptcy and correction of my credit file.

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