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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX XXXX  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 XXXX  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 2025-12-29 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: GA

Complaint narrative:
The information is not mine. I am a victim of identity theft.

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: GA

Complaint narrative:
The information is not mine. I am a victim of identity theft.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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: IL

Complaint narrative:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: LA

Complaint narrative:
I am filing a complaint regarding Klarnas failure to resolve a billing dispute in a timely and fair manner. 

I opened a dispute with Klarna on XX/XX/XXXX for an order from XXXX that was never shipped. No tracking number, shipping carrier, or delivery date was ever provided. The order status has consistently shown Not Yet Shipped and Tracking Number Pending. 

I submitted screenshots proving the order was never shipped and documented that I attempted to contact the merchant directly by phone without resolution. The merchant did not respond to Klarna within the dispute timeframe. 

Klarna advised that disputes have a 21-day resolution timeframe, which has long passed. Despite my full cooperation and valid evidence, Klarna failed to resolve the dispute and incorrectly reactivated the order and payment, requiring me to push back a scheduled payment. 

I submitted a formal complaint to Klarna and emailed their corrections/compliance department. Klarna acknowledged receipt but has taken no action, provided no resolution, and has attempted to restart the dispute timeline without justification. 

Klarnas actions have resulted in prolonged delay, conflicting timelines, and improper billing for merchandise that was never shipped or delivered. 

I am requesting that Klarna immediately cancel the order, remove all remaining charges, and confirm in writing that no payment is owed.

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: TX

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: TX

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I lost {$400.00} total on Cash App due to and fraudulent business claiming they helped with utility payments. I got confirmation that the XXXX and XXXX XXXX were paid. A day after I sent my last payment my payments on XXXX was cancelled. I have all the screenshots of the payments and the conversation with the girl who claimed she was from the company.

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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

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 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I am filing this complaint regarding Apple Card ( issued by Goldman Sachs Bank USA ) and their handling of a disputed credit card charge, dispute number XXXX. 
On XX/XX/year>, a charge of {$760.00} posted to my Apple Card from a merchant listed as XXXX XXXX ( later described verbally by Apple Card as an XXXX prepaid hotel charge ). I did not make or authorize this transaction. 
I timely disputed the charge. Apple Card informed me that the merchant had provided evidence and that this evidence would be sent to me so I could review and respond. Despite repeated follow-ups over several weeks, no merchant evidence was ever provided. Instead, I received only a generic form letter that contained no supporting documentationno hotel folio, no reservation details, no guest name, no dates of stay, no location, no ID verification, and no XXXX booking information. 
I contacted Apple Card multiple times by phone and spoke with multiple specialists and supervisors. None were able to provide the merchant evidence they claimed existed, nor explain why it was withheld. I was repeatedly told the dispute decision stood, despite my inability to review or rebut any actual evidence. 
This transaction was processed as a card-not-present virtual card charge, meaning my card number, expiration date, and CVV were used without my authorization. Apple Card confirmed the charge was not made using Apple Pay or biometric authentication. I was therefore deprived of any meaningful opportunity to contest the merchants claims. 
Additionally, Apple Card repeatedly asked whether I had contacted the merchant, despite failing to provide the merchants identity or contact information until very late in the process. I could not reasonably contact a vendor I was never identified to. 
Under the Fair Credit Billing Act, I understand that I have the right to : Receive the evidence relied upon by the creditor, Review and rebut that evidence, and Have disputes investigated fairly and transparently. 
Apple Card / Goldman Sachs denied my dispute without providing the evidence relied upon, despite explicit promises to do so, preventing me from exercising my rights under federal law. 
I am requesting that the CFPB require Goldman Sachs Bank USA to : Provide the actual merchant evidence relied upon or Reverse the disputed charge due to failure of proof and procedural noncompliance. 
I am not asking the CFPB to determine whether I stayed at a hotel. I am asking for enforcement of my statutory right to see and respond to the evidence used to deny my disputeevidence that was promised but never delivered.

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: CA

Complaint narrative:
I am disputing the following collection accounts because they are being reported without proper verification as required by the Fair Credit Reporting Act. These accounts are furnished by third-party debt buyers who have failed to provide competent evidence of legal responsibility, including signed agreements, complete chain of title, itemized balances, and verifiable dates of first delinquency. Any prior verification appears to rely on automated or superficial confirmation rather than a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). Continued reporting of incomplete and unverifiable information violates 1681e ( b ), 1681i, and 1681s-2 ( b ). If Experian and the furnishers can not fully substantiate these accounts and disclose the method of verification used, I am requesting immediate deletion and have initiated simultaneous complaints with the CFPB and the California Attorney General.

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: Experian Information Solutions Inc.
State: GA

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: GA

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: LA

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with 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 non-monetary relief
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a formal dispute with all three credit reporting agencies regarding a XXXX XXXX charged off account. Following that dispute the account was removed from my XXXX  credit report. However XXXX  and Equifax continued to report the same charged off account with identical account details. 

Neither XXXX  nor Equifax provided a response within the required XXXX day timeframe nor did they provide sufficient evidence or documentation supporting the continued reporting of this account. Due to the lack of response and failure to properly resolve the dispute I was forced to escalate the matter and resubmit my complaint through the Consumer Financial Protection Bureau. 

I contacted XXXX  Equifax and XXXX XXXX directly on multiple occasions seeking clarification on why the account remained on my credit reports. None of the parties involved were able to explain the delay or provide documentation supporting the reporting. After the CFPB complaint was submitted the account was immediately marked as verified by XXXX  and Equifax without any supporting documentation being provided to me and the case was then closed. 

This account should have been removed when it was deleted from XXXX  as the inconsistent reporting across credit bureaus demonstrates a failure to maintain maximum possible accuracy. The continued reporting of this charged off account despite a successful dispute with another bureau indicates negligence in the investigation and reporting process by the credit reporting agencies and or XXXX XXXX. 

As a direct result of this failure my credit score remains negatively impacted and I continue to experience harm to my financial standing. I am requesting the immediate removal of this charged off account to correct the inaccurate and inconsistent reporting.

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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX / TransUnion ] XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXX XXXXXXXX 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with 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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
I checked my credit and seen there was a creditor i did not recognize. I tried to call the company to find out who they are and what service they provided, they will not give me any information without paying them XXXX.

Company response to consumer: Closed with explanation