vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, expose you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formal dispute the repossession of a vehicle that occurred on XX/XX/XXXX, and to request a thorough investigation into this matter. The details on dispute are outlined below : Account Information : Account Number : XXXX Vehicle/Property : XXXX XXXX XXXX XXXXXXXX Details : 1. Lack of Proper Notice : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive a written notice of default and repossession before any action is taken. I did not receive such notice as required. 
Please provide documentation proving that proper notice was sent and received. 
2. Improper Repossession Procedures : The repossession was carried out without adherence to the required procedures. Specifically, [ describe any procedural errors, such as failure to provide adequate notice, repossession during prohibited times, or lack of proper documentation ]. According to the Uniform Commercial Code ( UCC ) and state repossession laws, these procedures must be strictly followed.

3. Account Status Discrepancies : I have reviewed my account statements and believe there may be discrepancies regarding the amount owed and the balance on my account. 
Please provide a detailed breakdown of the account balance, including any fees or charges applied. 
4. Request for Evidence : Please provide evidence of the default and repossession, including all relevant documentation, photographs, or other records related to the repossession. This includes a copy of the repossession order and any communication related to the repossession.

5. Request for Reinstatement or Resolution : In light of the above issues, I request that the repossession be investigated and, if found to be in error, that the vehicle/property be returned to me immediately. If the investigation finds that the repossession was conducted in accordance with the law, please provide a detailed explanation and documentation to support this. 
I expect a response to this dispute within [ reasonable timeframe, e.g., 30 days ] as stipulated under consumer protection laws. Please send all correspondence to the address listed above or to my email at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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:
Can you inspect this entry? Its late and could be mistaken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Between XX/XX/2025 and XX/XX/2025, I sent approximately {$30000.00} from my Cash App account to a merchant called XXXX XXXXXXXX XXXX, an online XXXX platform that claims to operate fair, automated games. 

I have direct evidence that the merchants system is not fair or automated, resulting in underpaid winnings and deceptive game outcomes. During one round, there was a significant delay ( around three minutes ) before results were announced. Because of that delay, I captured a screenshot showing that I was not paid the correct amount even though my wagers were accepted. 

When I contacted the merchant, they gave three contradictory explanations that conflict with their own game logs. These logs prove that the platform is misrepresenting its fairness and automation, constituting fraudulent or deceptive practices. 

I initially filed a dispute through Cash App, but it was denied solely on the basis that the transaction was authorized. My complaint is not about authorizationit is about the merchants failure to provide services as described and possible unlicensed or deceptive XXXX operations. 

I am requesting : A full investigation into XXXX XXXX activities ; Refund of all funds I sent to this merchant ( {$30000.00} through Cash App, plus additional amounts via XXXX ) ; and Regulatory action to prevent further consumer harm. 


I can provide detailed game logs, payout records, screenshots, and correspondence showing the discrepancies and the merchants inconsistent statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 few Personal credit card accounts. 
Account name : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from 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 2025-11-13 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: TX

Complaint narrative:
I traveled to XXXX for my sisters funeral and booked a room at XXXX XXXX. I attempted to pay through Klarna, but the hotel does not accept Klarna as a payment method since a physical card is required at check-in. As a result, I paid with my debit card. 

I have the receipt and proof of the debit card charge. However, Klarna is falsely claiming that they paid for the room. I have submitted extensive evidence multiple times since XXXX, yet the issue remains unresolved. This ongoing dispute is now negatively impacting my credit. 

I have tried to work with Klarna in good faith, but they do not provide a phone number for direct contact and continue to handle this matter irresponsibly. I have all the necessary proof of payment and expect Klarna to take accountability for their error and the harm it has caused. 

As you will see from the email thread, Klarna kept moving the goal post. If the goal was to understand this charge, my repeated attempts for a phone number wouldve been answered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
Statement : XXXX XXXX XXXXXXXX Data Breach XXXX XXXX Data Breach XXXX XXXX XXXX I am a documented XXXX XXXXXXXX Veteran that was impacted by identity theft, which transpired from both the XXXX XXXX XXXX  data breaches and my XXXX was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A utility account [ ACCOUNT # : XXXXXXXX XXXX XXXX XXXX XXXX ] is reporting on my credit file as a charge-off, but no prior months of payment history are shown. This type of partial reporting is incomplete and misleading, because it only shows a negative outcome and not the full history of the account. Under FCRA 602 ( 15 U.S.C. 1681 ), credit reporting must be fair, accurate, and complete. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureau must use reasonable procedures to ensure maximum possible accuracy. Under FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s2 ( a ) ( 2 ) ), furnishers are obligated to correct or stop furnishing data that is not complete or accurate. Because the full account activity is missing, this record does not meet federal accuracy and completeness standards.

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Nationwide Loan Consultants and Advisors, LLC
State: NV

Complaint narrative:
I received a mailed pre approval offer from XXXX XXXX XXXX and applied for a debt consolidation loan through that letter. On XX/XX/year> they called me to discuss the loan. When I pushed for a loan instead of a debt settlement program, the representative said I would be transferred to underwriting for the next step. 

The person who took the call described the role as underwriting, so I believed I was speaking with an underwriter for XXXX XXXX XXXX. I provided personal information and agreed to a soft credit pull based on that understanding. 

Only after the call, when I received a customer service agreement, did I realize the call came from a separate company called Nationwide Loan Consultants. This created a false impression about who I was dealing with and why I was giving out sensitive information. I entered the call expecting an underwriting review for the loan I applied for, yet the company on the line served a different role and operated under a different name. 

I am requesting investigation into the misleading transfer, the way my personal information was handled, and the credit inquiry that occurred under a mistaken belief about the identity of the company involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
Good evening, disputes were submitted regarding the account XXXX XXXXXXXX tradeline reporting and I'm simply requesting the method of verification of for these dispute as XXXX asserts they have not received any dispute from the reporting agencies. How were they updated and verified? 
Disputes were sent from anywhere between XXXX XX/XX/year>. Please describe the disputes submitted during this 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 non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am disputing inaccurate information on my TransUnion credit report. The following accounts contain errors that violate the Fair Credit Reporting Act ( FCRA ), and there may be concerns regarding data breaches that need immediate attention. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/1998 SSN : XXXX XXXX XXXXXXXX XXXX. Account : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX Account Type : CreditLine Secured Status : Positive Discrepancy : The information reported for this account does not align with my records. Please review and correct the reported credit limit and payment history. 
2. Account : DEPT OF EDUCATIONXXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : U.S. Department of Education Account Type : Installment ( Educational ) Status : Positive Discrepancy : The balance and payment history for this account need correction in compliance with the FCRA. 
3. Account : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Type : Revolving Credit Card Status : Positive

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The transaction in question was on XX/XX/year> for {$2000.00}, listed as XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX. XXXX I filed paper work XX/XX/year> ID : XXXX Leads to 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 monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card refuses to accept my dispute ( case number XXXX ) on a {$250.00} fraudulent charge on XX/XX/year>. When I called Capital One, I was told the reason for declining my dispute is that it claims I have used my SIM-enabled credit card in person. 

There are reasons that their assumptions are false : 1. My Capital One account is set up to receive alerts by text and/or email messages after a charge is posted to my account. I did not get such notices from Capital One regarding this charge on XX/XX/XXXX, and I believe this charge is a fraud. 

2. Looking at my XXXXXXXX XXXX Timeline for XX/XX/XXXX, I can prove I did not stop by any location that relates to this Merchant. 

3. Capital One can not allow a transaction to a Merchant XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, CA that does not exist. Businesses must be registered for a bank transfer to occur. I am puzzled as to how this does not raise an alarm for Capital One to investigate. 

4. I had to do my own research online to find out that this was a fraudulent transaction when I could NOT locate the mentioned Merchant by name. Instead, I was able to locate the name of the company, XXXX or XXXX XXXX. I contacted their customer support at XXXX and was informed that this charge originated from an application called XXXX XXXX. I explained that I have never used or installed XXXX XXXX on any of my devices. XXXX XXXX representatives could not locate an account in their system under my mobile number, name, or email address. They believe someone has used my Capital One credit card number fraudulently under their own XXXX XXXX account. My XXXX XXXX case number is XXXX. 

I did not know about the above facts until after my previous CFPB was closed. I believe these new findings prove this as a fraudulent charge. I have appealed Capital Ones decision regarding my dispute case by a letter on XX/XX/year>, but Capital One does not honor its advertised zero-liability policy for fraudulent charges and fails to protect its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation