vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
This complaint is being formally submitted to demand the immediate and permanent removal of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by Equifax, in full compliance with my rights under FCRA XXXX ( XXXX U.S.C. XXXX ). 

You are hereby legally obligated to block all disputed information within XXXX ( XXXX ) business days of receiving this complaint, as mandated by federal law. Failure to do so constitutes a direct violation of the Fair Credit Reporting Act and may result in legal action and regulatory penalties. 

The following account and collections were fraudulently created without my knowledge, authorization, or consent, and are the result of identity theft : THE XXXX XXXX XXXX opened on XX/XX/2025, balance {$520.00}. 

This unauthorized account has triggered multiple fraudulent collections which I did not authorize or initiate. I demand the immediate removal of this account and all related collection activity from all consumer credit reports under my name. This demand is made pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ) and the Fair Debt Collection Practices Act ( XXXX  ). 

This fraudulent account has also triggered multiple unauthorized hard inquiries and caused severe and unjustified damage to my consumer XXXX credit score. To support this demand, I have attached the following documentation : A full copy of my Equifax consumer credit report showing the disputed items. 
A list of all fraudulent hard inquiries tied to these unauthorized accounts. 

An official FTC Identity Theft Report ( Complaint # XXXX ) filed with the XXXX Federal Trade Commission, verifying the above items as confirmed identity theft. 

Let this serve as formal notice that I did not open, authorize, or initiate any of the above accounts, collections, or inquiries. They are 100 % fraudulent, and your continued reporting of these items violates federal law. I demand that Equifax permanently block all referenced items within XXXX ( XXXX ) business days, as required under FCRA XXXX. You are also prohibited from re-inserting any of these items into my report unless all legal reinsertion procedures, including written notice, are strictly followed under FCRA XXXX ( a ) ( XXXX ) ( B ). 

Failure to comply will result in immediate escalation through legal channels, including litigation and additional federal complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: MA

Complaint narrative:
I authorized a Klarna payment plan on XX/XX/year>, for a XXXX cookware order, but I never completed the checkout process. The item was never purchased, no order number was generated, and I did not receive any confirmation or tracking information. However, Klarna marked the payment as active and scheduled installments, even though there was no completed order. 

I contacted Klarna immediately and shared screenshots showing the product is still in my cart and the transaction was never finalized. Despite this, they refused to cancel the payment authorization and told me to wait XXXX  days to report a problem. This is not a delay in shipping this is a payment authorization error. I am now being charged for a product I never purchased, received, or had processed by the merchant. 

I am requesting the CFPBs help to cancel this mistaken payment authorization and stop any further charges from Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a dispute regarding inaccurate personal information listed on my credit reports with the consumer reporting agencies. 

There are multiple variations of my name, several incorrect or outdated addresses, and numerous phone numbers listed many of which do not belong to me. In addition, the employment section is either missing or incomplete. 

I initially contacted at least XXXX credit bureau about the incorrect name variations around 2008, but the issue was never fully resolved. Over time, additional inaccuracies have appeared, including phone numbers that I have never used or authorized. 

At this time, I am submitting a request to have the following corrected : Only one accurate version of my legal name should appear Outdated or incorrect addresses should be removed, leaving only my current address My current employers should be listed All incorrect or unauthorized phone numbers should be deleted from my credit reports I am including the necessary supporting documentation as part of this submission, including proof of identity, current address, and employment information. 

I am requesting CFPB assistance to ensure the credit reporting agencies correct and update my personal information in accordance with the Fair Credit Reporting Act, which requires that consumer information be accurate and complete.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting a dispute regarding inaccurate personal information listed on my credit reports with the consumer reporting agencies. 

There are multiple variations of my name, several incorrect or outdated addresses, and numerous phone numbers listed many of which do not belong to me. In addition, the employment section is either missing or incomplete. 

I initially contacted at least XXXX credit bureau about the incorrect name variations around 2008, but the issue was never fully resolved. Over time, additional inaccuracies have appeared, including phone numbers that I have never used or authorized. 

At this time, I am submitting a request to have the following corrected : Only one accurate version of my legal name should appear Outdated or incorrect addresses should be removed, leaving only my current address My current employers should be listed All incorrect or unauthorized phone numbers should be deleted from my credit reports I am including the necessary supporting documentation as part of this submission, including proof of identity, current address, and employment information. 

I am requesting CFPB assistance to ensure the credit reporting agencies correct and update my personal information in accordance with the Fair Credit Reporting Act, which requires that consumer information be accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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 2025-07-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Credit score went down from XXXX to XXXX around XXXX with cause being late or no payment from student loan co. Aidvantage . Despite a forbearance being issued, payments continued to be made. In XXXX, a payment was not made, even though a payment was not required and credit score was dinged. Even current statement attached shows no payment due. Please advise!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting a final dispute regarding an account being reported by XXXX XXXX ( Account # XXXX  ). 

I originally submitted my dispute in XX/XX/XXXXXXXX  and included my valid ID and proof of address. Despite this, I have received no response, and the account is still actively reporting on my credit file. 

Under FCRA 1681i, you are required to reinvestigate any disputed account and delete it if unverifiable. Under FCRA 1681s-2 ( b ), furnishers are required to respond to disputes with proper documentation. XXXX XXXX has failed to do either. 

I am demanding the immediate deletion of this account from my credit report or a complete method of verification with supporting documents. Failure to act will result in formal complaints being filed with the CFPB, FTC, and the Georgia Attorney Generals Office.

Sincerely, XXXX XXXX XXXX : XX/XX/XXXXXXXX  SSN ( Last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have a company calling me and they reported to my credit report and I dont owed them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX CT - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation . However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
Credit Management Company never contacted me regarding the alleged debt. Within 30 days of me contacting them first, I disputed the debt and requested validation numerous times, including the name and address of the creditor. And I never acknowledged the debt and still don't. This account is in limbo somewhere and they are still keeping me from reviewing and/or resolving with the original creditor if there was one at all.

XXXX still never provided this information. Instead, they later claimed to have closed the account and sent it back to the creditor, but still refused to identify the creditor. 

Under the Fair Debt Collection Practices Act, they are required to identify the creditor upon request and validate the debt. Their refusal is deceptive and unlawful. However all of their negligence and mishandling seems to be on par with their negative reviews. 

They never even provided me with the name & address of the creditor that itself is a failure to meet their minimum obligation under the FDCPA ( 15 U.S.C. 1692g ).

Specifically : > Within 5 days of their first communication with you, a debt collector must send you a written notice that includes : the amount of the debt ; the name of the creditor to whom the debt is currently owed ; a statement that you can dispute the debt within 30 days ; that they will obtain verification of the debt if you dispute it, and the name & address of the original creditor if different. 

So if they : Failed to send this initial notice, Never identified the creditor in any of their responses to you, they are in clear violation of the FDCPA. 


And this is not a duplicate complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
On XX/XX/year>, I submitted a second formal dispute to TransUnion regarding multiple inaccurate entries on my credit report. Despite a previous dispute, the company failed to correct reporting errors, including : XXXX student loans showing an incorrect balance of {$20000.00} despite being fully cleared. 
A XXXX XXXX  account showing the wrong balance as of XX/XX/year>. 
An XXXXXXXX XXXX XXXX misreporting the credit limit ( {$0.00} instead of {$1300.00} ), balance ( {$27.00} instead of {$0.00} ), and account type ( not listed as revolving credit ). 

I submitted documentation supporting my claims but received no adequate resolution or written reinvestigation results. 

Additionally, for several days I have been unable to access the credit freeze, credit report, or dispute features on TransUnions website. Representatives deactivated my account and opened a new one, submitted tickets, which I've received no updates on and errors were never fixed. Attempts to use the website still result in persistent errors, and phone representatives instructed me to send sensitive ID documents through insecure channels in order to access the website. This contradicts rights granted under FCRA 605A. 

These unresolved issues have negatively impacted my credit score due to incorrect utilization, incorrect balances, incorrect credit limits, and have denied me access to legally required consumer protections.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX - XXXX ALL IN XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELIVERY - Incorrect Personal XXXX XXXX CT - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX A XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2025-07-14 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: CA

Complaint narrative:
I HAVE MAILED MY FTC ALONG WITH MY SSN AND ID TO EQUIFAX MILLIONS OF TIME AND THEY DO NOT CARE!

MY SSN AND ID WERE STOLEN AND USED TO OPEN FRAUDULENT ACCOUNTS AND INQUIRIES. BUT EQUIFAX DOESNT WANT TO REMOVE THIS ONE INQIRY : XXXX XXXX XXXXXXXX XXXX. THIS IS A HUGE PROBLEM AND I HOPE PEOPLE WHO ARE DOING IT AND DID IT IN PAST GET THEIR PUNISHMENT. THANKS BEFOREHAND

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that this account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX  BALANCED {$3300.00}.

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 explanation