vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
Dear CFPB Officer, I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report a collection account that is inaccurate, unverifiable, and damaging to my credit report. Despite my efforts to dispute this item directly, Equifax has not resolved the issue. 

The account in question is : XXXX Account # XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1000.00} Status : Collection * * I have never received any proof from Equifax or the furnisher validating this debt. There is no signed contract, billing history, or documentation linking me to this account. Under FCRA Section 609 ( a ) ( 1 ), I have the right to request the source and method of verification for this information. Under Section 611, Equifax is required to perform a reasonable reinvestigation and delete any information that can not be verified.

Equifax has violated FCRA Section 1681e ( b ) by failing to maintain maximum possible accuracy and continuing to report unverified data that negatively impacts my credit score and financial opportunities. They have not provided any evidence that this account is accurate or legally reportable. 

I am requesting that the CFPB investigate this matter, hold Equifax accountable for its noncompliance, and ensure that this collection account is permanently removed from my credit file if it can not be properly verified with documentation from the original creditor. 

I am attaching my dispute letter and supporting evidence for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
There was a hard inquiry on my credit report for XXXX XXXX XXXX from XXXX XXXX XXXX. I did not initiated this application. It is fraudulent and was created by someone else.

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 2025-07-01 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: GA

Complaint narrative:
There was a hard inquiry on my credit report for XXXX XXXX XXXX  from XXXX XXXX XXXX. I did not initiated this application. It is fraudulent and was created by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There was a hard inquiry on my credit report for XXXX XXXX XXXX from XXXX XXXX XXXX. I did not initiated this application. It is fraudulent and was created by someone else.

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 2025-07-01 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and was surprised to find a collection account that I have no knowledge of. I have never received billing statements, calls, or any form of communication from the collection agency associated with this entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: RI

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$23000.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} XXXX/XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$86.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I went into a Chase branch and opened my first bank account with a {$200.00} check. On XX/XX/XXXX, I wanted to make an online purchase, but I couldnt because the bank card had not arrived yet. My mom suggested using XXXX in the meantime because it could be connected to my checking account, so I created a XXXX account. When XXXX attempted to verify my bank account through Chase, I got locked out of my account and received a message to contact the Fraud Prevention department or else my account would be closed. 

I called in and was told that the account was restricted and was referred to be closed. I tried to explain the situation and that I hadnt done anything with the account other than try to set up XXXX, but they said that it didnt matter, and the account was going to be closed anyway. I asked if there was anyone else I could talk to and explain things so they could look into it and see there wasnt any fraud or if they could tell me if I did something wrong. They said that they would not be able to tell me anything and that there was no one I could speak with. 

I called back later that day with my mom to see if we could get any more information but was told almost the same thing. They said that the Back Office had decided to close the account and that there was no one I could talk to about it. This person also said that I would not be able to open an account with Chase ever again. 

I am submitting this complaint to ask Chase to review my case because I havent done anything inappropriate with my account, I was treated unfairly with no recourse, and I dont want this to reflect negatively on my banking history, especially since this is my first time opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I have asked the company to send me the sale data file for this account and nothing has been done. A company that I have no affiliation with is trying to collect a debt with no proper documentation verification nor validation of this debt I have disputed this debt several times but they keep saying that it comes back verified but I havent received the proper verification or validation that I owe this company any debt. This account has been XXXX  my credit for years. I need the purchase agreement alone with the signed lease from this company saying that I owe them and this is my debt. The debt is for {$11000.00} from national credit system. I need the all of these items alone with the original creditors signed lease not front the previous owner of this property. 



I also want to make another complaint with XXXX different companies who claims I owe them a debt when the debt has been XXXX XXXX  as well as XXXX XXXX  and I havent received a XXXX to file on my taxes and I requesting a XXXX XXXX XXXX XXXX  and XXXX from XXXX XXXX XXXX XXXX Under the FCRA, you can seek statutory XXXX  if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a XXXX while still claiming you owe the debt.

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: MD

Complaint narrative:
I am filing this complaint against Klarna regarding an unresolved refund issue. I made a purchase using Klarna via XXXX XXXX, and later received confirmation from the merchant that a full refund was processed and approved on their end. 

The transaction was made using XXXX XXXX, which uses a XXXX XXXX XXXX ( XXXX ) for security. In this case, the XXXX ends in XXXX, while the Klarna card associated with the transaction ends in XXXX. The merchant processed the refund to the correct token, and I have confirmation from them as well as the XXXX XXXX XXXX ( XXXX ) : XXXX, which proves the refund was settled. 

Despite providing Klarna with all of this information including the XXXX Klarna has failed to reflect the refund on my account. Their customer service has been unhelpful and states that they can not see the refund, even though the merchant has provided documented proof that the transaction was successfully reversed. 

This situation appears to be the result of XXXX systems not properly reconciling tokenized XXXX XXXX transactions back to the original account. Ive made multiple attempts to resolve this directly with Klarna, including submitting formal notices, but no action has been taken. 

I am requesting that the CFPB help facilitate a resolution. I am seeking the full refund amount to be properly credited to my Klarna account, and that Klarna reviews its internal processes for handling XXXX XXXX and tokenized refunds. 

Refund amount {$170.00} Item purchase date XX/XX/year> Returned Date XX/XX/year> Ive contacted multiple times I have emails and voice recordings. Theyve told me I have exceeded the Multiple to open a case. They arent understanding what the issues or how big of an issues of this is from a technical capacity. 

Supporting Documents Available : Merchant refund confirmation XXXX XXXX XXXX XXXX XXXX  ) Klarna account details Email correspondence with Klarna support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 writing to bring your attention to a serious issue on my credit report : there is an account showing up under my name that does not belong to me. This account is being wrongfully mixed into my credit file, and it appears to be associated with someone else entirely. 

Let me be absolutely clear I have no connection to this account. I never opened it, I have no knowledge of it, and it is not my responsibility. This is a classic case of a mixed file, where someone elses credit data is being reported under my profile, and it's causing completely unjustified XXXX  to my credit. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain 100 % accurate and individually identifiable information. This isnt just a mistake its a serious failure in your reporting process, and it needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are XX/XX/XXXX XX/XX/XXXX my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been unable to access my credit report since XXXX XXXX  almost XXXX  XXXX. Experian continues to profit off of my personal information without providing me a copy of my own consumer credit profile. I can not access my report or score. EXPERIAN refuses to give me access to my information The latest credit report that I can access through Experian is from 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX  REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : 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

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or XXXX  on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy XXXX XXXX XXXX XXXX : Formal Complaint Regarding Unauthorized Charges. 

Dear XXXX, I am writing to formally express my dissatisfaction with the ongoing issues I have experienced with Best Buy XXXX XXXX customer service and the repeated unauthorized charges on my XXXX  card. 

On XX/XX/year>, I was charged for a XXXX subscription that I neither signed up for nor authorized. Despite my efforts to resolve this matter, I have been continually billed for this subscription each year, including the most recent charge. I have contacted the support team multiple times, and each time I was assured that the charges would be refunded and that the subscription would be canceled. However, XXXX months later, the same fee reappears on my XXXX card statement. 
This recurring issue has caused me significant XXXX and inconvenience. Each interaction with the customer service has involved being bounced around various departments, often resulting in hours of wasted time, without a permanent resolution. I find this level of service unacceptable, especially given the repeated assurances that the problem would be resolved. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I received a telephone call from phone number XXXX, who stated that they were with Experian. They had access to my total credit profile, and listed the balances on my XXXX  card and loan accounts. They had my name, address, telephone number, and email address. They wanted to " wipe out all of my debt '' because it " is illegal to be charged more than 3.5 % in interest '', since I have made all of my " payments on time and have paid more than the minimum payment for over XXXX  years ''. The caller identified themselves as XXXX XXXX # XXXX. He asked me to confirm my highest balance card 's last XXXX digits and expiration date. He then asked me for the last XXXX digits of my social security number. 

I did not provide the caller with any actual factual information, I made up numbers and expiration dates to see how long he would confirm that the information that I was providing him with was correct. While he had me on hold, I am assuming to attempt to apply for something in my name, I took the time to look up current scams regarding the use of Experian 's name. When he came back on the line, and was disappointed that the information was not matching up, I held him on the line a little while longer before telling him that I had no other information to provide to him and that I knew he was a scammer. He asked me why I wasted his time. I told him that the longer I held him on the phone, the less time that he had to scam other people. He then hung up on me. 

I never had any issues with anyone having my correct name, zip code, email address, telephone number, or amount of debt prior to DOGE accessing and infiltrating private data.

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 2025-07-01 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief