vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am following up on my previous dispute regarding privacy violations and lack of written consent for reporting. Experian sent a non-responsive letter on XX/XX/year> that completely ignored the legal statutes cited in my dispute ( 15 USC 1681b ( a ) ( 2 ) and 15 USC 6802 ).

Instead of investigating my lack of consent, Experian attempted to re-characterize my dispute as 'Identity Theft ' and demanded a police report. I NEVER claimed identity theft. I claimed a PRIVACY VIOLATION because the furnishers do not have my written instructions to report my private data.

Experian 's failure to address my specific legal dispute and their attempt to force me into a different dispute category is a violation of their duty to perform a Reasonable Investigation under 15 U.S.C. 1681i.

Furthermore, Experian is refusing to accept my lease agreement as proof of residency. I am attaching a Utility Bill as requested to satisfy their identity requirements. 
I demand the immediate deletion of these accounts as Experian has failed to provide proof of my written consent to share this data with third parties : * 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 2025-12-27 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: NC

Complaint narrative:
I am submitting this second complaint because the original responses I received from the credit reporting agencies ( TransUnion, Experian, and Equifax ) were inadequate, incomplete, and in violation of multiple consumer protection laws. 

In my first complaint, I provided specific documentation and legal references requesting : The deletion or correction of inaccurate and unverifiable negative accounts Proof of permissible purpose to report and share my credit data Verification through original signed contracts, not just data entries from furnishers Assurance that my personal data was not compromised, especially in light of known data breaches ( XXXX TransUnion ) However, all three agencies failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ) and related statutes : They did not provide documentation verifying the disputed debts They relied on furnishers unverifiable responses without reviewing my evidence They failed to conduct a reasonable reinvestigation, as required by FCRA 1681i They ignored the Gramm-Leach-Bliley Act ( GLBA ) by not disclosing who accessed my data or how it was safeguarded They continued to report damaging and incorrect information that affects my financial wellbeing Specifically : Experian claimed that furnishers verified the data but provided no documentation or legal basis for such verification. 

Equifax made minor updates to tradelines but verified several negative items without providing proof, despite modifying fields like charge-off amounts and delinquency dates. 

TransUnion deleted XXXX account ( XXXX ) but left others in active dispute without verification, and added an extended fraud alert without explanation. 

This raises serious concerns about : The accuracy and integrity of the data they are reporting Their failure to follow due process under the FCRA, UCCC, SOX, and GLBA Their continued disregard for my consumer rights I am requesting that the CFPB intervene to compel these agencies to : Remove unverifiable and inaccurate data Provide full documentation of any verified information Investigate their dispute-handling practices and data security controls Award appropriate compensation for damages as allowed under FCRA 1681n and 1681o Thank you for your assistance in holding these companies accountable for their legal obligations.

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 2025-12-27 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-27 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: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
XXXX XXXX charged to my credit card {$150.00} on XX/XX/2025 which I didnt make any transactions with it. I didnt make any purchases online or in store on that day which is XXXX holiday!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
appy for destiny mc nothing mention about XXXX fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
Due to this breach, I have reasonable grounds to believe that my personal and financial information may have been unlawfully accessed, altered, or misused, constituting potential identity theft and fraud. As a result, the accuracy, integrity, and lawful handling of my student loan data can not be presumed. 

This letter serves as a formal dispute, identity theft notice, and fraud affidavit pursuant to the following federal statutes : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681c-2 Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016802 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 I hereby state, under penalty of perjury, that I did not authorize any inaccurate reporting, servicing actions, balance changes, late payment reporting, or collection activity resulting from compromised or unverifiable data associated with this account. 

Accordingly, I dispute : The accuracy and reliability of all data associated with this student loan account Any balances, late payments, default status, or collection actions reported Any continued furnishing or sharing of my personal information without verified authorization and secure handling I formally demand the following : 1. Written confirmation that my personal data was not compromised, altered, or unlawfully accessed, including disclosure of any breach-related impact 2. Full validation of the student loan obligation, including the original signed promissory note and complete servicing transfer history 3. Immediate suspension of all reporting and collection activity pending resolution of this identity theft and fraud investigation 4. Immediate deletion of the account from my consumer credit reports if lawful verification can not be completed using uncompromised data!! 

Please be advised that continued reporting or collection without resolving this identity theft dispute may constitute willful noncompliance, exposing your organization to civil liability.

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), U.S. Department of Education, and my State Attorney General, and may result in further legal action. 

Please provide written confirmation of your investigation and resolution within the time allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS.

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX, I sent a written cease and desist to a debt collection company. In XX/XX/XXXX, I was told by a company representative that collection activity had been ceased and I was removed from all call lists. I reasonably believed the matter was resolved. 

Despite this, the account was later handled by a second debt collection company. I did not receive any explanation or verification for why the account was transferred or reassigned after it had already been closed. The second company later sent a letter stating that the account has been closed again. 

In XXXX, I attempted multiple times to obtain clarification and documentation. I sent certified mail ( one delivery was confirmed, others were not delivered or were returned ), and I sent emails with the same documents attached. Some correspondence was returned as undeliverable or refused, and I did not receive a substantive response explaining the post-closure handling. 

I requested written confirmation of the account status, documentation supporting any transfer or assignment, and confirmation that all collection activity and records were corrected. These requests were not answered. 

The continued handling of an account after it had already been closed, combined with failure to respond and refusal or avoidance of correspondence, caused significant stress and wasted time while trying to resolve a matter that should have been finished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MA

Complaint narrative:
b"I am writing to make a discrimination complaint against the following financial institution:\n\nDiscover\XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThe complaint:\n\nOn XXXX XXXX XXXX  I applied online for Discover it Cash Back Credit Card.\n\nApplication No. XXXX XXXX XXXX XXXX\n\nMy application was denied despite the fact that my XXXX Credit score is XXXX XXXX XXXX attached. \n\nI requested the bank to reconsider my application. My request for reconsideration was never processed, however. \n\nThe bank claims that they don't offer reconsideration for the denied credit card application.\n\n\nI filed a complaint with one of their managers, but the complaint was ignored. \n\n\nComplaint No. C C XXXX XXXX XXXX XXXX\n\n\nThe bank told me that the only way is to reapply again,  which I did.\n\n\nOn XXXX XXXX XXXX  I submitted an online application for the same card, but I went through the same aforementioned scenario \n\n\nMy application was denied despite the fact that my XXXX  Credit score is ( 754 ). attached \n\nApplication No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nI believe that Discover is biased against me and discriminating against me on the basis of age, gender, perceived national origin, perceived religion, perceived race, and perceived ethnicity,\n\n\nPerceived religion: \n\nIndividuals perceived to be part of a certain religious group are also protected from discrimination. \n\nThis is particularly relevant for XXXX XXXX  individuals, who may face religiously indiscriminate racialization or XXXX  from others who mistakenly perceive them as XXXX. \n\nFederal law protects individuals from discrimination based on actual or perceived religious affiliation or ethnic characteristics. \n\n\nFederal laws likeTitle VII of the Civil Rights Act of 1964andTitle VIprotect individuals from discrimination based on actual or perceived religion, shared ancestry, and ethnic characteristics in employment and federally funded programs, prohibiting bias in hiring, treatment, and services, even covering stereotypes and cultural practices linked to these traits, not just explicit religious/ethnic XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax reinserted a previously deleted XXXX XXXX account without providing the required written notice under FCRA 611 ( a ) ( 5 ) ( B ).

I did not receive certification of accuracy, the furnishers contact information, or notice of my right to dispute within five business days.

Additionally, the reinserted account contains missing and incomplete data including no payment history, no last payment date, and no method of verification, rendering the reporting inaccurate and misleading under FCRA 1681e ( b ).

I dispute the legality of this reinsertion and request immediate deletion and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached NOTICE TO FILE, VERIFICATION, Theft report information including police report and contact info, emailed copies of letters mailed ( lots more was sent via package in mail and other complaints if needed for reference .. all things sent via certified mail with notary as of XXXX accounts werent deleted just updated to show XXXX information, some accounts were removed from some CRAs but not others, some reports were re added after 30days.ALL ACCOUNTS WERE AGREED TO BE AND WERE at some point within the last 180 days+

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 2025-12-27 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:
See attached NOTICE TO FILE, VERIFICATION, Theft report information including police report and contact info, emailed copies of letters mailed ( lots more was sent via package in mail and other complaints if needed for reference .. all things sent via certified mail with notary as of XXXX accounts werent deleted just updated to show XXXX information, some accounts were removed from some CRAs but not others, some reports were re added after 30days.ALL ACCOUNTS WERE AGREED TO BE AND WERE at some point within the last 180 days+

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Klarna AB
State: PA

Complaint narrative:
I have a Klarna account with a credit limit of {$5000.00}. My current balance is {$400.00}, which I have always paid on time, often early. Despite providing verified personal information ( work ID, bank account, email ), Klarna has restricted my access, claiming they can not verify me. 

I have contacted customer service multiple times, but each representative gives inconsistent explanations, refuses to escalate, and is dismissive, each representative is unprofessional et give multiple excuses et gaslight. I have never been late on a payment, and there is no valid reason for this restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief