vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: IL

Complaint narrative:
I am requesting that these accounts be removed immediately from my credit report. These accounts and inquiries appeared after a recent data breach that compromised my personal information. I believe this is a direct result of identity theft and unauthorized use of my data. I have contacted these companies regarding the same and nothing has been removed. XXXX XXXX XXXX XXXX  have all had data breaches and my information has been exposed. If these accounts are removed immediately, I will file a lawsuit. 

Klarna {$200.00} XXXX XXXX {$810.00} Klarna {$300.00} XXXX XXXX {$200.00} XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I am writing to dispute several accounts and hard inquiries listed on my Experian credit report. Due to the Experian data breach affecting consumer information nationwide, I can not validate that these items were initiated by me. Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, Experian is required to maintain maximum possible accuracy and delete any unverifiable or compromised information.

Because these accounts and inquiries may have resulted from compromised data, I am requesting an immediate investigation and deletion of all items listed below. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$90.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$420.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I realized that my account was overdrawn due to fraudulent activity. Approximately, around that time I called the bank and after noticing that my online account was restricted. When I called the bank, I was told that I needed to go into a branch. I am a XXXX XXXX  XXXX  so the earliest I was able to make it to a branch was on XX/XX/year>. During my meeting with the bank, I was told that the fraud investigation would be completed within XXXX days and after the completion of the investigation, I would get a new card and a new account. On XX/XX/year> I received notification from Chase Bank that a new account had been created and my wife notified me that a new card had been sent to our home address. I notified my employer to resume direct deposit for my next pay period which would be Tuesday, XX/XX/year>. Chase bank, after receiving my direct deposit from my employer immediately froze my new account which prevented me from access my payroll funds. On today, XX/XX/year>, I visited the Chase branch in which I was told they no longer wanted to do business with me and that I would not have access to my payroll funds until the fraud investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion are reporting inaccurate, incomplete, and nonMetro 2 compliant information that violates the Fair Credit Reporting Act ( FCRA ). The furnishers involved are XXXX XXXX and XXXX XXXX XXXX, and in some cases XXXX XXXX XXXX. 

I have disputed these accounts multiple times with both the credit reporting agencies and the furnishers. Despite my written disputes and documentation, the inaccurate information remains. 

This has caused damage to my creditworthiness, scoring, and ability to obtain financing.

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 2025-11-18 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:
I am writing to dispute the following accounts listed on my Experian credit report. These accounts have inaccuracies that need to be addressed for compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$500.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$1700.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$160.00} XXXX Account Number : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$1500.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$350.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$220.00} Inquiries : No inquiries to dispute on Experian. 

Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westcreek Financial
State: CA

Complaint narrative:
I have an account with Koalafi that was charged off, yet the company continues to withdraw money from my bank account without my authorization. I contacted Koalafi repeatedly and was told they can not remove my bank account or payment methods unless I provide a new payment method. This is false and violates the Electronic Funds Transfer Act ( EFTA ), which gives consumers the right to revoke authorization for ACH withdrawals.

After I told them what they were doing was illegal, and after posting a public review, they suddenly claimed they could remove my payment method but they still refused to stop withdrawals that had already occurred or issue any refunds. 

I contacted XXXX XXXX twice and requested that they block or stop these unauthorized withdrawals. Both representatives told me they can not stop the charges and that I must handle it with the merchant, which is incorrect and contradicts federal banking regulations. XXXX refused to assist or protect my account, and the unauthorized withdrawals caused my balance to go negative. 

Koalafi is taking money from a charged-off account I do not owe, refusing refunds, and refusing to honor my revocation of authorization. XXXX is refusing to block further withdrawals or investigate properly. 

I am requesting that the CFPB intervene so : Koalafi stops all future withdrawals, removes my bank information, and reimburses unauthorized charges. 

XXXX properly investigates and blocks further unauthorized ACH debits. 

Both companies have failed to follow federal law, and I have suffered financial harm as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have an account with XXXX that was charged off, yet the company continues to withdraw money from my bank account without my authorization. I contacted XXXX repeatedly and was told they can not remove my bank account or payment methods unless I provide a new payment method. This is false and violates the Electronic Funds Transfer Act ( EFTA ), which gives consumers the right to revoke authorization for ACH withdrawals. 

After I told them what they were doing was illegal, and after posting a public review, they suddenly claimed they could remove my payment method but they still refused to stop withdrawals that had already occurred or issue any refunds. 

I contacted Chase Bank twice and requested that they block or stop these unauthorized withdrawals. Both representatives told me they can not stop the charges and that I must handle it with the merchant, which is incorrect and contradicts federal banking regulations. Chase refused to assist or protect my account, and the unauthorized withdrawals caused my balance to go negative. 

XXXX is taking money from a charged-off account I do not owe, refusing refunds, and refusing to honor my revocation of authorization. Chase is refusing to block further withdrawals or investigate properly. 

I am requesting that the CFPB intervene so : XXXX stops all future withdrawals, removes my bank information, and reimburses unauthorized charges. Starting date from when the account was charged off. 

Chase properly investigates and blocks further unauthorized ACH debits. 

Both companies have failed to follow federal law, and I have suffered financial harm as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I am submitting this formal dispute regarding several accounts and inquiries appearing on my TransUnion credit report that I believe were impacted by the TransUnion data breach and are inaccurately reporting. Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, TransUnion is required to ensure maximum possible accuracy of all information and to promptly investigate and delete any information that can not be verified. 

Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$90.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$430.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$410.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$550.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2300.00}

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 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
The collection agency Collection Management is illegally re-aging a medical debt in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 5 ). 

This medical debt from XXXX XXXX XXXX is being reported under multiple account numbers ( such as # XXXX and # XXXX ) with newly created Date Opened and Status Updated dates designed to restart the XXXX reporting period. 

I have never made any payments, agreements, or new arrangements with the collector, so there is no lawful reason to change the Date of First Delinquency ( DOFD ). 

The collector first reported the account as opened on XX/XX/XXXX, and then re-reported it again as a brand-new account opened XX/XX/XXXX. 

These dates are false and are being used to illegally extend the reporting period of the debt. Experian has repeatedly verified the account even though the collector supplied contradictory and legally impossible dates. 

I am requesting that the CFPB require XXXX  and Collection Management to provide the actual original DOFD and delete the account ( XXXX ) if the agency can not provide the true DOFD as required by FCRA 623 ( a ) ( 5 ). 

Screenshots are attached showing the contradictory Date Opened and Status Updated entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
my son was never late on his student loan payment now they have put it on my credit report XXXX late payments. First he was in forbearance and then when it was time for him to pay, he set up and auto draft to be taken out of his account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
This is not a mistaken dispute. My credit report contains multiple entries that are not reported with the maximum possible accuracy. These persistent inaccuracies are causing real harm, creating financial and emotional strain during an already difficult time. I have repeatedly raised these issues and they remain unresolved ; their continued presence is unacceptable and is unfairly damaging my credit and my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am submitting this formal dispute regarding multiple accounts that appear on my Equifax credit report which I believe may have been compromised or affected by a data breach. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting that Equifax conduct a comprehensive investigation to verify the accuracy, legitimacy, and authorization of the accounts listed below. 
If any of these accounts are determined to be the result of a data breach or identity compromise, I am requesting that they be promptly removed from my credit report. 
Please provide written confirmation of your investigation results and any actions taken. 
Accounts in Question : Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$120.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$4400.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$9300.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Open Date : XX/XX/XXXX Balance : {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
I am formally disputing the accuracy and reporting of the accounts listed below as a result of the Experian data breach, which exposed consumers personal identifying information, increasing the likelihood of inaccurate, mismatched, or manipulated data appearing on credit files. Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, Experian is legally required to maintain maximum possible accuracy and remove any unverifiable or inaccurate information within 30 days. 
The following accounts are inaccurate, unverifiable, or potentially compromised and must be fully reinvestigated and deleted if original documentation can not be produced : Accounts in Dispute Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$200.00} Account Name : XXXX  XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$930.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$28000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$40000.00} Inquiry in Dispute : XXXX XXXX XXXX XX/XX/XXXX This inquiry is unauthorized, and under FCRA 604 ( a ) ( 2 ), Experian must remove any inquiry that does not have permissible purpose

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 2025-11-18 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: MI

Complaint narrative:
TransUnion is reporting an account on my credit report. I am filing a complaint against : XXXX XXXX XXXX XXXX ( collection account for {$1200.00} ) The account is reporting inaccurately and unlawfully on my Ttansunion report. I have requested validation and proper investigation, and both furnishers and the major credit bureaus have failed to comply with the law. XXXX. XXXX XXXX XXXX XXXX Violations A. FDCPA Violations ( 15 U.S.C. 1692g & 1692c ) XXXX XXXX XXXX XXXX is reporting a collection account but has never provided proper debt validation, which is required under : 15 U.S.C. 1692g ( b ) failure to provide validation after written request 15 U.S.C. 1692c attempting to collect without proper disclosure and verification Because no validation was provided, continuing to report this account is unlawful. B. FCRA Inaccurate / Unverified Reporting ( 15 U.S.C. 1681e ( b ) ) Under FCRA 1681e ( b ), furnishers must report data with maximum accuracy. XXXX XXXX XXXX XXXX is reporting : A balance that has not been validated An account they can not legally prove ownership of Dates and details inconsistent with Metro-2 reporting standards C. Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) I disputed this account with the credit bureaus. XXXX XXXX XXXX XXXX failed to provide documentation proving : Chain of title Original contract Itemized accounting Proof the debt is mine Proof of the amount Yet the Transunion marked it " verified. '' This violates : FCRA 1681i ( a ) ( 1 ) reasonable reinvestigation required FCRA 1681i ( a ) ( 2 ) furnisher must provide actual proof, not automated e-Oscar responses D. Reporting a Collection Without Proper Notice FDCPA requires proper notification before reporting a collection. I did not receive the required written notice under : 15 U.S.C. 1692g ( a ) Therefore, reporting this collection is unlawful. 3. Opportunity Financial Charge-Off Violations A. FCRA Accuracy Violations ( 15 U.S.C. 1681e ( b ) ) The charged-off account contains inaccurate information and incomplete payment data. The creditor is reporting : Incorrect status Incorrect balance Incomplete payment history Proof the reported dates are accurate No documentation was provided to confirm the accuracy of their reporting. C. Metro-2 Reporting Violations XXXX XXXX XXXX XXXX is reporting data that violates CFPB-accepted Metro-2 standards : Incorrect payment history Incorrect " date of first delinquency '' Improper charge-off coding Missing required consumer dispute codes Noncompliant status codes Metro-2 inaccuracies are treated as FCRA violations under 1681e ( b ). D. FCRA 1681s-2 ( a ) Duty to Report Accurate Information Furnishers must correct inaccurate information.

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