vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : 1. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX These names are not accurate and may be the result of a typographical error or XXXX XXXX. My full legal name is XXXX XXXX XXXX. I request the immediate removal or correction of these name entries. 
XXXX. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Confirm formatting and update consistency across the following : o XXXX XXXX / XXXX XXXX XXXX XXXX o XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX o XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX. Employer Information : Please verify the accuracy of the following reported employers, my current employer is University of XXXX, XXXX XXXX XXXX XXXX XXXX If any of these employers are incorrect or outdated, I request they be removed from my file. 
These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed are copies of my current utility bill for identity verification. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX 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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year>, we went to XXXX XXXX XXXX XXXX XXXX, withdrew money from the ATM, managed by XXXX XXXX. The ATM prints a ticket, which you take to the money counter where a physical person hands you the funds that correlates to the amount on the ATM ticket. We requested to withdraw {$500.00}, and the ATM company charges a {$22.00} fee. The transaction could not be completed as the last name on my debit card didnt match my new married last name on my ID. Due to this, funds were never transferred to me, making this transaction VOID. I contacted XXXX XXXX and they provided an email letter confirming this, and they also provided documentation to support this statement. These documents were provided to Chase Bank on 2 separate claims, both of which were denied. Chase continuously advised me to resolve it with the merchant ; however, the merchant says to resolve it with the bank, as there are no funds for the merchant to reimburse to me. Chase repeatedly rejects the claim and withdraws the funds from my account, giving it back to the merchant ; however, the transaction was voided, so there should never have been money withdrawn from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 an account without my written instructions.

15 u.s.c 1681i ( 5 ) -removal of inaccurate/invalidated. Credit information 15 usc 1681e ( b ) ( b ) -accuracy of report 15 usc 1692a- abusive practices 15 usc 1681b- permissible purposes of consumerreports.

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 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: DE

Complaint narrative:
I received a credit alert on my credit report in XX/XX/XXXX. I contacted the debt collector ( XXXX XXXX ). The representative advised me this was a debt from Klarna. I informed the representative that this is fraudulent and I don't have any debt from Klarna. I The representative explained that I purchased an item for {$1800.00} and did make any payments on the item. I then asked what address was used and to send me proof of purchase. The representative then asked me for my address. I informed them that I did not feel comfortable giving that out, but to email me the information. The representative advised they can only send the information via mail. I told them to use whatever address they had on file for me. I have yet to receive any documentation showing proof of purchase. The representative from XXXX XXXX kept harassing me to provide them with my current address and phone number. I felt like this was a scam. Therefore, I hung up and called Klarna. 

Klarna advised that there is no debt on my current account, however, there was a secondary account opened in my name. I asked Klarna what the policy was, and why they would allow a second account to open in my name. the representative at Klarna advised me that a manager would get back to me but no one has. I have called/chatted with them four times and still no one from management has contacted me.

I was able to get the debt removed from my credit report however, as of XX/XX/XXXX XXXX XXXX has placed the fraudulent debt back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
Company continously over the years " researches '' " deletes '' then reinserts false information and credit that continously harms credit then it takes months and years to rebound. I had someone else 's bankruptcy on my account for years and once it was taken off my credit never rebounded. There was no redress or recourse it was just removed and that's that. There are numerous accounts that were clearly not mine I fought tooth and nail for months to have removed that were deleted than reappeared causing continuous damage to my report. There is another social and birth date attached to my account clearly showing they aren't properly researching information. I've been a victim of identity theft I've proven and also showed information to correct whatever individual used another birth date. They send general ambiguous responses in favor of the company never truly researching my issue.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company continously over the years " researches '' " deletes '' then reinserts false information and credit that continously harms credit then it takes months and years to rebound. I had someone else 's bankruptcy on my account for years and once it was taken off my credit never rebounded. There was no redress or recourse it was just removed and that's that. There are numerous accounts that were clearly not mine I fought tooth and nail for months to have removed that were deleted than reappeared causing continuous damage to my report. There is another social and birth date attached to my account clearly showing they aren't properly researching information. I've been a victim of identity theft I've proven and also showed information to correct whatever individual used another birth date. They send general ambiguous responses in favor of the company never truly researching my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Data breach, improper use, fraud activity and inaccuracies. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$580.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1600.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX 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 2025-04-10 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:
Data breach, improper use, fraud activity and inaccuracies. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$580.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Last reported XXXX XXXX, XXXX {$1600.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name XXXX XXXX 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 2025-04-10 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: NE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-10 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: GA

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. 

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 List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX 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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-10 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unknown - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I never gave this company permission to access or pull my credit report. I did not apply for anything with them, I didnt authorize a credit check, and I have no prior relationship with this business whatsoever. This was done without my knowledge or consent, which makes it an unauthorized and completely unacceptable inquiry. My personal credit information is not free for the taking, and I take unauthorized access to it very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXXXXXX XXXX XXXX to XXXX, flight on XX/XX/XXXX ) using my Apple Card. On XX/XX/XXXX 8 days before the flight I realized I could not take the flight and immediately tried to cancel. XXXX  website did not allow cancellation, and their phone support refused to process it. 

I filed a dispute with Apple Card on the same day ( XX/XX/XXXX ), explaining that the service was not used and that I made every attempt to cancel. Apple issued a provisional credit. However, the dispute was later closed with the claim that there was no evidence to substantiate the claim. 

I provided : - A copy of the ticket ( showing the flight was XX/XX/XXXX ) - A screenshot of the provisional credit issued by Apple - XXXX refund policy - A clear explanation that I did not fly and was denied any refund option by the airline I am requesting CFPB assistance in ensuring Goldman Sachs ( Apple Card ) honors this dispute for a service that was never delivered. I made my cancellation attempt in good faith, well before the flight, and submitted all reasonable evidence. 

Dispute Case : XXXX Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
There is inaccurate information on my credit report that is completely incorrect and misleading. This error is affecting my creditworthiness and does not reflect my actual financial history or responsibility. I have reviewed my records carefully, and I can confirm without any doubt that the reported information is wrong. I did not authorize this, I am not responsible for it, and it should never have been included in my file. This kind of reporting damages not only my credit but my credibility, and I refuse to accept it staying on my record.

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 2025-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Truck was repossessed XX/XX/year> and they sold the car and the amount is still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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