vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 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 respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CT

Complaint narrative:
In XXXX, I opened a secured credit card with XXXX XXXX for {$1000.00}. I made all my payments on time when using the card. In XXXX, due to identity theft I was forced to file bankruptcy. I did not list XXXX XXXX in the bankruptcy as it was my account and current with no issues. However, several months later while in a store attempting to use my card, I was told the account was closed. Besides the embarassment and frustration I called XXXX XXXX asking why it had been closed, they said that it was an automatic response to filing for bankruptcy although I did not include them in the filing. I was frustrated, but had no recourse. They mailed me back the balance of roughly {$800.00} as {$200.00} was on the account and closed out my account. Several months later when attempting to address my credit history, I was denied for credit due to this issue with a charge off from XXXX XXXX. Upon looking into my credit report again, I found that XXXX XXXX was listing my closed secured account as a charge off and referencing late payments. This is incorrect, as my account was in good standing that they closed for internal reasons. However whenever I attempted to contact XXXX XXXX  through branch managers on site, on the phone and corporate, No-one was able to do anything other then quote it was " company policy '' meanwhile my credit has been damaged and unable to acquire financing without severe penalties due to something that never even occurred and is incorrect. This is affecting my business and personal life significantly.

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 2025-07-25 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:
In XXXX, I opened a secured credit card with XXXX XXXX for {$1000.00}. I made all my payments on time when using the card. In XXXX, due to identity theft I was forced to file bankruptcy. I did not list XXXX XXXX in the bankruptcy as it was my account and current with no issues. However, several months later while in a store attempting to use my card, I was told the account was closed. Besides the embarassment and frustration I called XXXX XXXX asking why it had been closed, they said that it was an automatic response to filing for bankruptcy although I did not include them in the filing. I was frustrated, but had no recourse. They mailed me back the balance of roughly {$800.00} as {$200.00} was on the account and closed out my account. Several months later when attempting to address my credit history, I was denied for credit due to this issue with a charge off from XXXX XXXX. Upon looking into my credit report again, I found that XXXX XXXX was listing my closed secured account as a charge off and referencing late payments. This is incorrect, as my account was in good standing that they closed for internal reasons. However whenever I attempted to contact XXXX XXXX through branch managers on site, on the phone and corporate, No-one was able to do anything other then quote it was " company policy '' meanwhile my credit has been damaged and unable to acquire financing without severe penalties due to something that never even occurred and is incorrect. This is affecting my business and personal life significantly.

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 2025-07-25 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:
In XXXX, I opened a secured credit card with XXXX XXXX for {$1000.00}. I made all my payments on time when using the card. In XXXX, due to identity theft I was forced to file bankruptcy. I did not list XXXX XXXX in the bankruptcy as it was my account and current with no issues. However, several months later while in a store attempting to use my card, I was told the account was closed. Besides the embarassment and frustration I called XXXX XXXX asking why it had been closed, they said that it was an automatic response to filing for bankruptcy although I did not include them in the filing. I was frustrated, but had no recourse. They mailed me back the balance of roughly {$800.00} as {$200.00} was on the account and closed out my account. Several months later when attempting to address my credit history, I was denied for credit due to this issue with a charge off from XXXX XXXX Upon looking into my credit report again, I found that XXXX XXXX was listing my closed secured account as a charge off and referencing late payments. This is incorrect, as my account was in good standing that they closed for internal reasons. However whenever I attempted to contact XXXX XXXX through branch managers on site, on the phone and corporate, No-one was able to do anything other then quote it was " company policy '' meanwhile my credit has been damaged and unable to acquire financing without severe penalties due to something that never even occurred and is incorrect. This is affecting my business and personal life significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : XXXX. Conduct a timely and reasonable reinvestigation of disputed accounts. 

XXXX. Delete any item that can not be verified or is found to be inaccurate or incomplete. XXXX. 

Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. 

- A detailed explanation of the methods used to verify the accuracy of each account. 

- The removal of any account that remains unverifiable, inaccurate, or incomplete.

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 2025-07-25 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: NC

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

1681c-2 ) that you, the Equifax Information Services , 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. 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, NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
These accounts are not mine, and I had no prior knowledge of them. Pursuant to USC 1681g, I am asking that they be removed within 15 days. Enclosed are documents to validate this request.

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 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
Klarna referred a disputed charge to a third-party collection agency ( XXXX ) XXXX XXXX without notifying me or providing proper validation of the debt. The debt is tied to two orders ( from XXXX XXXX XXXX  ) that I never received. 
Klarna denied my disputes based only on shipping info, even though I never received the items. Klarna never informed me that the balance would be sent to collections. 
I recently contacted the collection agency, and they confirmed they are no longer managing my account and referred me back to Klarna. Klarna now refuses to take responsibility and is instructing me to contact the merchants directly even though Klarna financed the transactions and paid the merchants. 
Klarna is the lender in this transaction and is responsible for resolving disputes. They are refusing to remove the unvalidated charge or confirm that it will not be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-25 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: RI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/scrub>/2024, Balance : {$830.00}

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
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ), which requires credit reporting agencies to conduct a reasonable investigation into disputed information. Equifax has failed to do so, and as a result, continues to report inaccurate and harmful items on my credit reportcausing measurable damage to my credit standing and emotional distress.

I submitted a detailed written dispute to Equifax dated XX/XX/year>2025. This dispute included all required identity verification documents : a government-issued photo ID, Social Security card , and a recent bank statement displaying my current address. The letter outlined my request for a full investigation into the following : - XXXX XXXX  - XXXX - XXXXXXXX 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  Bankruptcy ( Reference Number XXXX ) - Inaccurate personal information listed on my credit profile. 
More than 30 days have passed since my submission, yet Equifax has provided no response or resolution. Their failure to investigate and communicate disregards my clearly stated concerns and supporting documentationallowing unverified and potentially harmful information to remain on my credit report. This ongoing inaction has significantly affected my financial opportunities and credit reputation. I am including a copy of the original dispute letter dated XX/XX/year>2025, as supporting evidence for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$43000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$67000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$75000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have tried numerous times to pay off this loan. They wont accept anything I am able to pay to close this account except paying the entire loan which is unreasonable for me. This debt has been bought by countless agencies and they continue to refresh the loan information so it stays on my credit. They constantly harass me with phone calls from different numbers from different states and leave voicemails. Ive been threatened with legal action if I do not pay this loan. They have also harassed my mother in a different state countless times to get more information about me and legal action if I dont respond to them and pay my loan.

Company response to consumer: Closed with explanation