vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unfair late payment entries reported by XXXX XXXX XXXX XXXX  on my credit report, with the following accounts 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 Apple Card/GS Bank USA 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  These late payments are not only incorrect but are also damaging my credit standing despite my history of responsible financial behavior. I have reviewed my records and can confirm that the reported late payments are inaccurate. I either made payments on time or was never properly notified of any delinquency. I have attempted to resolve this matter directly with the creditor and/or credit bureaus, but they have failed to provide sufficient justification or correct the reporting. I have maintained consistent, on-time payments, and there is no valid reason these should be listed as late. I have never given neither of these credit agencies authorization to report on my behalf. I respectfully request that the CFPB investigate this issue and assist in having the inaccurate late payment entries removed from all three major credit bureaus. These entries do not accurately reflect my creditworthiness and are unjustly impacting my ability to access fair financial opportunities. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NJ

Complaint narrative:
In XX/XX/XXXX, I discovered two unauthorized Klarna transactions on my account : XXXX XXXX XXXX Klarna order ref XXXX, merchant order XXXX for approximately {$190.00}, dated XX/XX/XXXX XXXX, Klarna XXXX XXXX XXXX, for approximately {$170.00}, dated XX/XX/XXXX. 

I was under XXXX at the time these purchases occurred and could not legally open or authorize any Klarna account or loans. I reported both transactions as unauthorized to Klarna on XX/XX/XXXX. Klarna acknowledged the issue and paused the payments while investigating. 

Despite following up two months later, Klarna has not responded, resolved the issue, or cleared the balance. I still have approximately {$200.00} showing as owed. These debts are invalid, and I am concerned about potential credit reporting or collection attempts. 

I have attached screenshots showing the transactions, payment pause status, dispute status, and Klarna references.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Dear TransUnion I have not supplied proof under the doctrine of estoppgl-bjk silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefor... any such debt, in fact therefore exists.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
I received a letter from a company claiming to be a debt collector. 
The debt collector is MRS BPO , LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
XXXX They claimed that my XXXX XXXX account as of XX/XX/year> owed {$95.00}. 

I was confused, because I am on auto pay with XXXX XXXX. I telephoned XXXX wireless who said that I do not owe any money and that they do not work with this debt collection agency, making this fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Self/SouthState Bank Reporting Practices Secured Loan Account To Whom It May Concern, I am writing to formally file a complaint against Self/SouthState Bank regarding their handling and reporting of a secured loan account ( Account No. XXXX ). This account, opened on XX/XX/XXXX, was intended to help build my credit using funds I provided myself. However, their actions have caused significant harm to my credit profile rather than helping it. 

According to the payment history they reported, I was marked 30 days late for four months in XXXX ( XXXX through XXXX ), even though this was a secured account funded with my own money. This is misleading, unfair, and abusive. I entered this credit builder program under the impression that it would assist in improving my credit health, not penalize me and damage my credit with derogatory marksespecially since the funds used were from my own deposit and not a loan in the traditional sense. 

The loan has since been paid off and the account is marked Paid, Closed, yet these late payments remain and are actively hurting my credit score and lending credibility. I believe this is a deceptive practice and a violation of fair credit reporting principles.

I respectfully request the CFPB to investigate this matter and require Self/SouthState Bank to remove the inaccurate late payments and restore the positive reporting originally promised as part of the credit builder program. I have attached relevant screenshots for your review. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
To Whom it may concern : I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( 7 ). Under Section 15 USC 1681 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

I recently submitted a request for investigation on the below accounts, which were determined as verified.

I submitted enough information for you to carry out a reasonable investigation of my dispute, you did not investigate this account or account ( s ) thoroughly enough as you chose to verify the disputed items.

Under section 611 of the FCRA, I hereby request the methods in which you verified these entries. If you can not provide me with a reasonable reinvestigation and the methods of which you used for verification, please delete these accounts from my credit report. Furthermore, I would like to be presented with all relevant documents pertaining to the disputed entries. 

XXXX Acct No. XXXX Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-07 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I am filing this complaint to report what I believe to be gross mishandling, negligence, and retaliation by Navy Federal Credit Union ( NFCU ) in connection with my primary savings account, which has seen over {$200000.00} in transactions in the last 18 monthslargely from direct payroll deposits totaling over {$11000.00} per month. 

After I filed a previous complaint regarding how a dispute was handled, NFCU suddenly claimed that the account in question had been closed back in XXXX. However, no documentation was ever provided to substantiate this claim, and no representative I spoke within person or by phonecould explain how the account remained active and fully functional for nearly two years after its alleged closure. During that time, the account processed substantial deposits, withdrawals, ACH transactions, and other banking activity without any issue or notification of irregularity. 

It was only after I submitted my complaint that NFCU took action by freezing all funds in that account and informed me that I now allegedly owed a balance of over {$900.00}. I was told I would need to pay this amount in full before access to the account and my other accounts could be restored. I believe this abrupt reversal and freezing of fundsparticularly without warning, explanation, or substantiating documentationwas retaliatory in nature and a punitive response to my prior complaint. 

Despite reluctantly agreeing to pay the {$900.00} under duress in order to regain access to my funds, NFCU failed to provide a written letter confirming that the matter was resolved and paid in full, despite my explicit request. 

This mishandling has caused serious financial and emotional distress to me and my family. As a single-income household with young children, we rely on timely access to those funds for essentials like rent, utilities, childcare, and medical needs. The lack of access to my funds, combined with the uncertainty surrounding their sudden change in stance, placed us in a precarious and potentially dangerous position.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
A collection account for {$210.00} recently appeared on all three of my credit reports. I do not recognize this debt and have never received any documentation validating its accuracy or origin. No contract, billing details, or evidence of ownership has been provided to me. 

I submitted a request for debt validation, but I have not received any response from the collector. Until full validation is provided, I consider this debt to be unverified and improperly reported. I am requesting that it be investigated and removed in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I want to stress 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 negligence 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 2025-05-07 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: CT

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unauthorized account reported by XXXX XXXX XXXX  on my credit report. I have never signed any agreement or authorized any transaction with this company. 

The account appears as opened on XX/XX/scrub>XXXX  with a balance of {$750.00}, and is currently listed as open and in collections. I dispute this account entirely, as I did not consent to it, nor have I received any documentation or validation proving that this debt is legitimately mine. 

I submitted a dispute to the credit bureaus and indicated that the account information is incorrect and unauthorized. However, the account remains on my report with the remark : Placed for collection / Account information disputed by consumer. 

I am requesting that this account be removed immediately due to lack of verified documentation, as required under the Fair Credit Reporting Act ( FCRA ). I request the CFPB assist in holding XXXX XXXX XXXX and the credit reporting agencies accountable for failing to validate this debt and for continuing to report unverified 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
Consumer complaint received 2025-05-07 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: CT

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unauthorized account reported by XXXX XXXX XXXX  on my credit report. I have never signed any agreement or authorized any transaction with this company. 

The account appears as opened on XX/XX/scrub>XXXX  with a balance of {$750.00}, and is currently listed as open and in collections. I dispute this account entirely, as I did not consent to it, nor have I received any documentation or validation proving that this debt is legitimately mine. 

I submitted a dispute to the credit bureaus and indicated that the account information is incorrect and unauthorized. However, the account remains on my report with the remark : Placed for collection / Account information disputed by consumer. 

I am requesting that this account be removed immediately due to lack of verified documentation, as required under the Fair Credit Reporting Act ( FCRA ). I request the CFPB assist in holding XXXX XXXX XXXX and the credit reporting agencies accountable for failing to validate this debt and for continuing to report unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I have made multiple complaints, with information from XXXX XXXX  and Equifax is biased with the bank. More than 7 years have passed since my foreclosure judgment, the date of my first delay was XX/XX/year>, as stated in the court ruling on the second page. In addition, they have treated me with discrimination and reversal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
Complaint Against Credence Resource Management for Attempting to Collect Unvalidated and Unauthorized Debt Dear Consumer Financial Protection Bureau, I am filing this complaint against Credence Resource Management for attempting to collect a debt they have failed to validate and for which they have not provided any legal right to collect. 

I have received collection communications from Credence Resource Management regarding an account they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I submitted a written request for debt validation within the required timeframe. Despite my multiple attempts, Credence has not provided any documentation or proof that substantiates the debt, identifies the original creditor, or verifies their authority to collect on it.

Furthermore, if they have reported this alleged debt to the credit reporting agencies, this would also be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to report only accurate and verified information. Reporting a debt that has not been validated or proven constitutes deceptive and unlawful behavior. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that : Credence Resource Management ceases all collection activity on this account. 

Any credit reporting related to this unvalidated debt is immediately deleted from my credit file. 

I receive written confirmation that they have ceased collection and will no longer pursue this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Fig Tech Inc.
State: TX

Complaint narrative:
Company : FIG Loans Texas LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am unaware of this alleged account being reported by FIG Loans Texas LLC and have not received any prior notice or opportunity to dispute or verify this information, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

If FIG Loans believes they are reporting this account lawfully, I demand immediate documentation sent via Certified Mail, including a signed receipt with my name, a copy of the original agreement, and any records proving the debt 's validity and their authorization to report it. 

If such documentation can not be provided, this account is unverifiable and must be deleted from all consumer credit reports immediately.

Failure to comply will trigger formal complaints to the Federal Trade Commission, the Texas Attorney Generals Office, and may result in legal action for continued FCRA and FDCPA violations.

Company response to consumer: Closed with non-monetary relief