vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: FL

Complaint narrative:
I did dispute for draftkings XXXX bank XXXX XXXX for months and still in investigation vene I send police report credit report saying I'm victim of identity theft and some support documents I just recieved a text message from indebted pay {$66.00} which XXXX owns me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: TX

Complaint narrative:
In XX/XX/year>, I made a purchase from XXXX using Klarna as the payment service. The order was shipped via XXXX carriers. 25 % by XXXX, 75 % via XXXX. The large portion was marked as delivered but was misdelivered to the wrong building. 

I live in a XXXX XXXX XXXX where multiple buildings share the same apartment numbers. I specified my full and correct address, including building and apartment number, XXXX XXXXXXXX, when placing the order. However, the XXXX delivery confirmation photo only shows my apartment number XXXX with no indication of the building, and they also failed to log or document which building the package was delivered to. It was not delivered to me. 

FedEx refuses to acknowledge this delivery error due to the photo of the number XXXX, and XXXX refuses to resend or refund the items. Klarna also refused to reverse the charge, and I am now being sent to collections for a package I never received due to XXXX negligence. 

This is a disputed debt, and I am not responsible for the delivery error made by XXXX. I have done everything possible to resolve this with all three parties, but Klarna has allowed the charge to stand and pushed it into collections. I have been a loyal customer of Klarna and have never made a late payment prior. I refuse to pay for items not received, and am frustrated that all three companies involved have not been able to help me. I will happily pay for any items I did receive should I still owe them after refunding the other items. Their record of my claim should show which items I marked as received. 

Fed ex tracking has expired or I would show the delivery picture, though Klarna should still have it on their end on my claim. I have attached everything I could still find below. 

I am requesting the CFPBs assistance in removing this charge and ensuring Klarna corrects their actions, stops collection efforts, and acknowledges the disputed nature of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-26 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:
I am writing to delete the following information from my fiel. The tems I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am writing to delete the following information from my fiel. The tems I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible

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 2025-06-26 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: CA

Complaint narrative:
I am a victim of identity theft resulting from a data breach, and several unauthorized accounts were opened using my personal information. I submitted a dispute and provided documents including a government-issued ID, proof of address, and an FTC Identity Theft Report. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, I am requesting these accounts be blocked and deleted from my credit report within 4 business days. The accounts are : XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX {$700.00} XXXX XXXX XXXXXXXX {$19000.00} Despite submitting this request to [ TransUnion/Equifax/XXXX  ] , these fraudulent accounts remain on my file, causing continued harm. I am asking the CFPB to investigate and ensure compliance with FCRA 1681c-2.

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 2025-06-26 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
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 XXXX 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 2025-06-26 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Credit Report Dispute & Complaint under the Fair Credit Reporting Act ( FCRA ) Dear CFPB Officer, I am filing this complaint due to multiple inaccurate and potentially unlawful items on my credit reports from Experian, TransUnion, and Equifax. 

I have attempted to resolve these issues directly with the credit bureaus but have not received sufficient responses. Below are the accounts in question : XXXX. * * XXXX ( Experian ) * * Account shows XXXX days late and " purchased by another lender, '' yet reports {$0.00} balance. The information is unclear, outdated, and unverifiable. 

XXXX. * * XXXX Student Loan ( All Bureaus ) * * All three bureaus report a XXXX delinquency in XX/XX/year>, but payment history shows consistent payments before and after. I believe this is a reporting error. 

XXXX. * * XXXX & XXXX * * Both accounts report isolated late payments without any sustained pattern or default. I request a thorough validation or removal. 

XXXX. * * XXXX * * Multiple XXXX  day lates are showing inconsistently across bureaus. This raises questions of accuracy and timely verification. 

XXXX. * * XXXX  * * Single late mark without further delinquency history. I believe this was in error or not properly validated. 

These inaccuracies are damaging my creditworthiness. I request that CFPB enforce my rights under the FCRA to have these accounts investigated, corrected, or removed. 

Sincerely, * * 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 2025-06-26 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} INQUIRIES : XXXX Date : 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 2025-06-26 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Received an IRS refund credit check for {$21000.00} and deposited it at Bank of America on XXXX. They immediately put a hold on it for XXXX business days. After XXXX business days the check was applied to my account. I tried to do a transfer from my saving account whew that check was deposited to and I received a prompt that said. 
Do to your account status we can not process your request. Contact us. 
I make the call to Bank of America to their fraud department and they say they need more time to hear back from the IRS. I then informed them that I can not retrieve any money from that account at all and need to for food, bills and medicine. I only keep a limited amount of money in my checking do to hacking in the past. 
They then inform me that any funds in my sayings is restricted until they release the hold which can take up to a month. I then ask them why they did not warn me and let me know in advance to prepare for this possible long hold time u too they can make sure the check is real. 
I also provided a letter from the IRS showing the funds are coming to me and match up to the check. I have {$50.00} in my checking account and with all my deposits going to my savings account which is now completely locked XXXX in an emergency situation. I made many calls to them and will not budge and releases the other money in my savings that had nothing to do with the IRS check and they would not. 
They gave me no notice and just locked my account without any access to the existing funds that were already in there. I have bills to pay, food to buy, medicine needed and money to live on. Bank of America has paralyzed me and have given me no timetable or information to help me. I have been misled and taken advantage of with no yoke table for the hold release in sight. Please help

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 2025-06-26 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: KY

Complaint narrative:
Subject : Formal Dispute Under FCRA Request for Investigation and Deletion of Inaccurate Late PaymentsRe : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Late Payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment information being reported on my XXXX Card account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The following entries appear on my credit report and are being reported as late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that a thorough reinvestigation be conducted. Under the FCRA, all information in a consumers credit file must be accurate, complete, and verifiable. If the information can not be verified through original billing documentation, it must be corrected or removed.

FCRA 1681i ( a ) ( 5 ) ( A ) : If a disputed item can not be verified, it must be deleted from the file.FCRA 1681s-2 ( b ) : Furnishers of information ( XXXX in this case ) are legally obligated to investigate upon notice from a CRA and XXXX or delete any information that is inaccurate or unverifiable. 
Please confirm that the listed XXXX late payments are being verified through original account-level documents and not through automated or third-party records. If XXXX can not provide such documentation, the late payments must be removed from my file. 
This dispute is being submitted under e-OSCAR Dispute Code XXXX Claims Inaccurate Information, and/or Code XXXX Not His/Hers, and should be processed accordingly through your automated system. 
I request the results of this reinvestigation, as required by FCRA XXXX, within 30 days. If the late payments are found to be unverifiable, please delete them from my credit report with all three credit bureaus. 
Enclosed Documents : * Copy of government-issued photo ID * Proof of address ( utility bill or bank statement ) * Copy of credit report with disputed XXXX account highlighted Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-06-26 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: KY

Complaint narrative:
Subject : Formal Dispute Under FCRA Request for Investigation and Deletion of Inaccurate Late PaymentsRe : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Disputed Late Payments : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of the late payment information being reported on my XXXX Card account ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The following entries appear on my credit report and are being reported as late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that a thorough reinvestigation be conducted. Under the FCRA, all information in a consumers credit file must be accurate, complete, and verifiable. If the information can not be verified through original billing documentation, it must be corrected or removed.

FCRA 1681i ( a ) ( 5 ) ( A ) : If a disputed item can not be verified, it must be deleted from the file.FCRA 1681s-2 ( b ) : Furnishers of information ( XXXX in this case ) are legally obligated to investigate upon notice from a CRA and XXXX or delete any information that is inaccurate or unverifiable. 
Please confirm that the listed XXXX late payments are being verified through original account-level documents and not through automated or third-party records. If XXXX can not provide such documentation, the late payments must be removed from my file. 
This dispute is being submitted under e-OSCAR Dispute Code XXXX Claims Inaccurate Information, and/or Code XXXX Not His/Hers, and should be processed accordingly through your automated system. 
I request the results of this reinvestigation, as required by FCRA XXXX, within 30 days. If the late payments are found to be unverifiable, please delete them from my credit report with all three credit bureaus. 
Enclosed Documents : * Copy of government-issued photo ID * Proof of address ( utility bill or bank statement ) * Copy of credit report with disputed XXXX account highlighted Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CL Holdings LLC
State: AL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to XXXX challenging the accuracy of an account reported by Jefferson Capital Systems ( Account # XXXX ) on my credit report. As allowed under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I requested a reinvestigation of this account. 

On XX/XX/year>, I followed up with a formal Method of Verification request under XXXX XXXX. XXXX ( a ) ( XXXX ) and ( XXXX ), demanding : The name, address, and telephone number of the data furnisher contacted during XXXX investigation ; and A detailed description of the procedure used to verify the accuracy and completeness of the disputed information. 

Despite allowing adequate time, XXXX failed to respond with any documentation or verification details. They also did not delete the disputed account from my credit report, even though they failed to verify it as required by XXXX XXXX. XXXX ( a ) ( XXXX ). 

This inaction shows noncompliance with federal law, and by continuing to report unverifiable information, XXXX may be in willful or negligent violation of the FCRA, making them liable under XXXX XXXX. XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
According to the law 15 USC 1681s-2 ( c ) ( 2 ) accounts that were charge off can't be in the credit report. Please remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax credit reporting agency , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} INQUIRIES : XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief