vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: OK

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. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-12-29 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Debt collectors are after me to collect debts that I do not claim ownership of. XXXX XXXX has a student loan on my report which should have been discharged, due to my XXXX XXXX XXXXXXXX approval. Addresses, Work History, Negative I requested to be removed immediately. I have sent all three bureaus letters of my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and XXXX  XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Dear Customer Financial Protection Bureau, I am submitting this complaint regarding Paypal 's failure to protect me from a fraudulent transaction totaling {$3500.00}. 

This transaction was not authorized, not ordered, and no goods are services were ever received. I reported the fraud to Paypal promptly and complied fully with their investigation process. Despite this Paypal denied my claim and allowed scammers to keep my money. 

Paypal advertises strong fraud prevention and buyer protection. However, in my case, these protections were not honored. I was left with a significant financial lose and no meaningful explanation as to how Paypal determined that I authorized a transaction I clearly did not. 

I believe Paypal failed to follow fair consumer protection practices and did not adequately investigate or safeguard my account against fraud. 

I am requesting that the CFPB :. Review Paypal 's handling of this case. Require Paypal to provide a clear explanation of their decision. Assist in recovering the {$3500.00} that was taken fraudulently This situation has caused financial harm and emotional distress, and I am seeking accountability in corrective action. 

Thank you for your assistance. 

Paypal transaction case number : XXXX Paypal transaction I.D . Number : XXXX Dated XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
I am requesting that Experian investigate and correct the following inaccurate or unauthorized information on my credit file. 

XXXX. Previous Addresses Please remove the following outdated or incorrect addresses : XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. Hard Inquiries I am disputing the following inquiries as I did not authorize or recognize them : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) 3. Late Payments Please verify or remove the following accounts reporting late payments that may be incorrect : XXXX XXXX XXXX  Acct : XXXX XXXX  XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX Requested Action : Please investigate and remove or correct any inaccurate information and send me written confirmation of the results.

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 2025-12-29 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-29 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: MI

Complaint narrative:
I am disputing the following charged-off accounts that are inaccurately reflected on my credit report. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Items previously charged off by creditor are appearing on my credit report. I should have received 1099-C. Income can not be reported on my credit report. Please remove all charged-off information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MO

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 explanation
Consumer complaint received 2025-12-29 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: MO

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 explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information appearing on my TransUnion consumer credit report as a direct result of data breaches that compromised my personal identifying information. Due to these breaches, my consumer report contains accounts that I did not authorize and that can not be properly verified. 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681, 1681b, 1681e, 1681i, and 1681c-2 ), TransUnion is required to ensure maximum possible accuracy and to block and delete any information resulting from identity theft or data breaches that can not be conclusively verified. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2022 Balance : {$530.00}

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 2025-12-29 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: GA

Complaint narrative:
XXXX XXXX XXXX Paces XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Email : XXXX Phone Number : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Multiple Inaccurate Accounts Not Mine / No Knowledge I am writing to dispute XXXX ( XXXX ) accounts listed on my Equifax credit report that are not mine. I have never opened, authorized, applied for, or had any connection to these accounts. 

The accounts I am disputing are : XXXX Funding Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts and no records or agreements linking me to them. 

Under the FCRA : 15 U.S.C. 1681i ( Section 611 ) requires deletion of unverifiable accounts.

15 U.S.C. 1681e ( b ) requires maximum possible accuracy.

Since these items can not be validated with original, signed documentation, they must be removed. 

Please delete all Three accounts and send an updated credit file. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Attachments : ID, XXXX CARD, PROOF OF ADDRESS.

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 2025-12-29 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: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-12-29 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: TN

Complaint narrative:
They saying i owe a XXXX  bill for XXXX an I never had a account

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX double charged me on my Paypal Credit and my XXXX XXXX  XXXX. I have a charge on both accounts for the same amount and only received ONE order. I have tried to reach a resolution with all accounts and i have failed. I am losing it and XXXX refuses to cooperate and says they only charged me once which is A LIE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I entered into a consumer credit transaction facilitated by Klarna to purchase apparel from an online merchant operating as XXXX, for a total amount of approximately {$200.00}. The merchants website presented images and descriptions representing the goods as high-quality clothing and conveyed the appearance that the business was based in XXXX. 

Upon receipt of the merchandise on or about XX/XX/XXXX, it was immediately apparent that the items delivered were materially nonconforming and not as advertised. The goods were of substantially inferior quality, differed in material, construction, and appearance from the advertised products, and were inconsistent with the representations relied upon at the time of purchase. The discrepancy was not minor or subjective but constituted a material misrepresentation. 

I promptly notified Klarna and initiated a dispute, providing documentary evidence demonstrating : The goods received did not match the merchants advertised images or descriptions The merchant has a documented pattern of consumer complaints alleging deceptive or misleading practices The merchant misrepresented its geographic location, presenting itself as XXXX while operating out of XXXX Despite this evidence, Klarna declined XXXX provide relief and deferred to the merchants return policy, which requires the consumer to pay international return shipping. The cost of return shipping was equal to or greater than the original purchase price, rendering the return option economically unreasonable and effectively unavailable. This condition operates as a constructive denial of refund and negates any meaningful return right. 

Klarna was repeatedly informed that the transaction involved goods that were not as described, that the merchants representations were misleading, and that the return requirement imposed an unfair and disproportionate financial burden on the consumer. Nonetheless, Klarna continued to enforce the full payment obligation and declined to reverse or credit the charge. 

By doing so, Klarna failed to exercise reasonable care in its dispute resolution process and failed to provide adequate consumer protection in connection with a financed transaction involving deceptive merchant practices. XXXX conduct shifted all financial risk to the consumer while continuing to facilitate transactions with a merchant exhibiting indicia of fraud.

Company response to consumer: Closed with explanation