vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my 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 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
FAIR COLLECTIONS AND OUTSOURCING said I owed for rent not paid. {$3700.00} I contacted them and said they had made a mistake. 
Then I contacted my Business Managers and they sent me the documents that all rents were paid in full and on time.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prime Recovery LLC
State: TX

Complaint narrative:
Name : XXXX XXXX Address : 1955 XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Company Information : Name of Debt Collector : Prime Recovery LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Additional concerns : Multiple companies are tryin to collect same debt at same time The other company : XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX Complaint Type Debt collection / Validation request I am submitting this complaint regarding a debt collection matter. I have been contacted by [ Debt Collectors Name ] about an alleged debt. I requested debt validation as required by the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, but have not received proper verification.

I requested : * The name of the original creditor * The total amount of the alleged debt, with an itemized statement * Documentation showing that I am legally obligated to pay the debt * Proof that the collector is authorized to collect on this account Despite my request, [ the collector has continued collection efforts/ reported to credit bureaus/ failed to provide documentation ]. I am requesting the CFPBs assistance to ensure the debt is validated and that the collector stops any improper collection activity until verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I went to Klarna ran by XXXX XXXX as I often do for years to buy groceries and pay them back or other items. They usually transfer any over payment back to me. However, the Klarna XXXX XXXX turned wallet on for a scam. The wallet will only let me buy a Klarna card for XXXX a month or add more money to the wallet. It wont let me transfer the money to my account or gift card. But I should be able to transfer to my account. I have talked to about XXXX or so of Klarna s representatives and non of them could give me my money. My cash I trusted them with not store credit or a klarna card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I discovered XXXX fraudulent transactions on my credit card bill, all of the charges were from XXXX I notified XXXX Credit Card Customer Service at Citibank of the XXXX charges. They took the information and said not to contact XXXX. The charges are listed as in dispute on my account. 
The charges are : XXXX XXXX {$3800.00}, XXXX XXXX {$3400.00}, XXXX XXXX {$3300.00}, XXXX XXXX XXXX, XXXX, XXXX {$4200.00} These charges total {$18000.00} in fraudulent charges. 
I have several credit cards with CitiBank, I have received calls and texts on the other cards in the past whenever Citi thought there was a suspicious transaction. 
For these transactions in XXXX with XXXX on the XXXX Credit card from Citibank, I did not receive any calls/text from Citi XXXX team that these were suspicious. 
XXXX Citibank customer service advised not to contact XXXX as Citibank was managing the investigation. 
I have notified the XXXX credit reporting bureaus for adding a fraud alert. I have frozen my credit reporting as well.

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 monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am filing this complaint to formally report multiple inaccurate and harmful entries being reported on my consumer credit files. These errors violate the Fair Credit Reporting Act ( FCRA ) and have caused me significant distress and potential financial harm. I am requesting an immediate investigation into the following issues : 1. Incorrect Address Reporting The following address is being reported on my credit file, and I have no association with this address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Wrong Address This address is not mine, and including incorrect identifying information is a direct violation of FCRA 602 ( A ) and 607 ( B ).

I request immediate deletion of this incorrect address.

2. Inaccurate Late Payment Reporting The accounts listed below are reporting late payments, which is entirely false. I have never made a late payment on these accounts at any time. 

XXXX XXXX  XXXX | High Balance : {$500.00} | Opened : XX/XX/XXXX XXXX XXXX | High Balance : {$610.00} | Opened : XX/XX/XXXX XXXX  XXXX | High Balance : {$300.00} | Opened : XX/XX/XXXX XXXX XXXX  XXXX | High Balance : {$300.00} | Opened : XX/XX/XXXX XXXX  XXXX | High Balance : {$500.00} | Opened : XX/XX/XXXX These late-payment notations are false, damaging, and must be corrected immediately. 
Under FCRA 1681i, you are required to conduct a reasonable investigation and correct or delete inaccurate information.

I am requesting that all late payment history be corrected to reflect never late since the reported history is inaccurate.

3. Requested Action I request the following : Immediate investigation into each disputed entry. 

Removal of the incorrect address listed above. 
Correction of all inaccurate late payment notations on the accounts listed.

Written confirmation of the results of your investigation.

4. My Rights Under the FCRA Under FCRA 611, you are required to : Conduct a reasonable and fair investigation. 

Provide me with written results. 

Delete or correct any information that can not be verified. 

Provide notification to all furnishers regarding the disputes. 

Failure to comply with the FCRA constitutes a violation of federal law. 

I expect a timely response and full resolution of these matters. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XXXX of XXXX I got a mail stating your account has been close due to the following reason. 
1 ) Not enough credit information on file 2 ) The accounts on your credit report have not been open long enough. 

On XXXX of XX/XX/year> I called the call centre and the first customer care representative I spoke to said that it might be an error on part of the company and gave me a number for the fraud team. When I requested to file a complaint the call got transferred to the supervisor and the supervisor on hearing that I wanted to file a complaint he cut my call. 

On XXXX I called back again and though the next supervisor to be she is taking the complaint but didn't give me any reference number. I told the team That the offer to open an card account had come from the company itself and the promotion said if i spend certain amount i will get XXXX points in 3 months. When I applied to the card they congratulated me and sent me the card. How did they send me the card if my credit history was not enough and secondly if after 3 months of using the card when i got my XXXX points how was my account open long enough to issue me the card. I also asked the team how is it that only after I completed the spending and after qualifying and getting my and after 3 months in which i have always prepaid have you decided to close my points. They had no answer. 

On XXXX Morning I called the fraud team from the number the customer care had provided and when i questioned them they said the reasons are mentioned and it is up to them to cancel and nothing can be done. I told them that ok you might have a right to close my account but what about my points. I told them let me pay the left over balances by points they said the points are frozen and I cant use them. 

I dont understand it was a promise made to me that if I spend a certain amount i will get points. Why is it that they didn't close my account before and only after I completed the spending requirement and wining my points have they closed my account. They have not even let me utilise my points I earned after keeping my end of the terms. Why did it take them 3 months within which i had to make the spendings to close the account. 

My Credit score will be hit. I have always prepaid and my credit score is XXXX the last i saw. This is a case of cheating as what was promised to me was not given. I am Ok with them cancelling my account after letting me use my points which i have right fully earned. This is just show of power against a retail consumer who has done everything right. 

I request you to please look into my case and help me with a solution as it is my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: ME

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, that promise has not been fulfilled, as the inquiries remain on my report. This inaction is unacceptable. The persistence of these potentially fraudulent entries raises serious concerns about possible identity theft and continues to cause ongoing emotional and financial distress.

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 2025-11-19 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: MI

Complaint narrative:
On XX/XX/year> my bank ( XXXX XXXX ) pulled my credit report at my request for a new mortgage loan. Within four hours my phone, my wife 's phone and my son 's phone began receiving phone solicitation calls from financial institutions, my son has received ( XXXX ) calls today ( XX/XX/year> ), my wife has received ( XXXX ) calls today and I received ( XXXX ) calls yesterday and ( XXXX ) calls ( XXXX calls while I was typing this ), ( XXXX ) text messages today and my phone is still ringing. This is interfering with my job, my banker ( XXXX XXXX ) tells me that Equifax has sold my personal information, my name and phone number, my wife 's name and phone number and the same for my son. Please help me stop this invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate and unverified accounts currently being reported on my credit file. These accounts are causing significant harm to my credit standing and are being reported without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Below are the accounts in question : XXXX. XXXX Account XXXXXXXX XXXX XXXX High Balance : {$900.00} Date Opened : XX/XX/XXXX Status : Charge Off I have NO knowledge of this account. I never opened, authorized, or had any relationship with this creditor. This account is being reported without any factual basis or verified documentation. 
I am demanding a full investigation and complete deletion of this fraudulent/invalid charge-off account from my credit reports. 

XXXXXXXX XXXX  Account XXXXXXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX Status : Charge Off I have NO knowledge of this account whatsoever. I have never entered into any credit agreement with this entity. The reporting of this account is inaccurate, unverified, and damaging. 
I request immediate investigation and permanent deletion of this account for failure to provide proof of my authorization or responsibility. 

FCRA Violations Noted These accounts are being reported without proper verification, and therefore violate the following FCRA sections : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy 15 U.S.C. 1681i : Failure to properly investigate disputed information 15 U.S.C. 1681s-2 : Reporting information known to be inaccurate These accounts are causing ongoing harm, including denial of credit and increased financial burdens. 

Requested Resolution I respectfully request the CFPB to : Require the credit bureaus and furnishers to provide full verification, including original signed contracts.

If they can not provide verification, require immediate deletion of the accounts.

Hold the furnishers accountable for reporting unverified and inaccurate information. 

I am attaching copies of my ID and proof of address for verification purposes. 

Thank you for your prompt attention. I expect a full investigation and written response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute on XX/XX/year> for several inquiries & an account that was identity theft or fraud. I sent in an FTC report along with all other qualifying documents. I have a confirmation numbers that show my ftc report was accepted as valid & inquiries were removed. Yet the account XXXX XXXX  was not removed as they said the ftc report was invalid. Its the same ftc report. These accounts are supposed to be blocked according to fcra 605b within 4 business days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: OH

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED I HAD FRAUDELENT ACCOUNTS ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One is reporting XXXX XXXX late payments from 2022 on my Kohls/Capital One account ending in XXXX, but the late payments resulted from a {$1.00} system-generated charge caused by a Kohls XXXX transaction and all notifications were sent to an outdated email address. I never received a statement or alert, and I paid the balance as soon as I learned of it through my credit report. I have disputed this many times and Capital One continues to verify the reporting without addressing the incorrect email, the {$1.00} charge created without my knowledge, or my perfect history. The reporting is materially misleading and violates FCRA 623. I am requesting removal of the XXXX and XX/XX/year> late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/year>, a charge of {$60.00} was made to my debit card. This transaction appeared twice as a pending authorization. The following day, XXXX of the charges posted to my account, while the second remained pending. Despite numerous calls and conversations with multiple supervisors, I have yet to receive a clear explanation or resolution. I was repeatedly assured that the issue would be handled, yet the pending authorization is still holding up my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2025-11-19 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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