vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I was a victim of the Equifax Breach Settlement. Reference number # XXXX, and I was referred by the Assisted Identity Restoration Services of Experian, in which the CFPB and the FTC have failed miserably in properly handling my complaint against the unauthorized account with XXXX XXXX opened on XX/XX/year>, and it is currently delinquent with an outstanding balance of {$230.00}. In addition, XXXX XXXX XXXX XXXX  loan appears on the reports as " charged off '' for {$9500.00}. I do not own a vehicle, as this was either mistaken identity, a mixed file, or identity theft. I contacted them in XXXX 2025 to report a " hard inquiry '' that I did not authorize. The customer service credit department reassured me that the unauthorized inquiry would be removed ; however, it was not removed, and as a result, an account was opened without my approval or authorization. In addition, I requested a Debt Validation record of the charges, but they have not complied, in violation of the Fair Credit Reporting Act ( FCRA ). This erroneous and fraudulent account continues to be reported by the 3 CRAs and is hurting my character and credit history. The CFPB report was filed and closed, and referred to the FTC. Yet, the FTC site conveys the same message ... that my case needs to be referred to the CFPB, each platform avoiding accountability to enforce the violations, which does not help me resolve the identity theft of my credit file at all. It is my final warning to the CFPB and the FTC that I will file a federal complaint for violations of the Fair Credit Reporting Act and Title 15, Section 1681c-2 of the U.S. Code is the " Block of information resulting from identity theft '' provision of the Fair Credit Reporting Act ( FCRA ). This law requires consumer reporting agencies ( CRAs ) to " block '' effectively remove information from a consumer 's file that the consumer identifies as resulting from identity theft, after receiving the necessary proof. This proof includes the consumer 's identity, an identity theft report, and an identification of the specific information in question. The CRA must act on this request within four business 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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
When I tried to make a large purchase recently, I was told there was a limit to how much of my {$15000.00} from my checking account I could withdraw. As such, decided to close my account. 

XX/XX/year> via secure message they reported account would be closed within 2-3 business days. 
XX/XX/year> via secure message they responded to my inquiry about account closing by stating I needed to close a XXXX XXXX XXXX  account separately through signed documentation XX/XX/year> Spoke in person to representative and confirmed that XXXX XXXX account closed with signed letter XXXX, at the same time I again requested closing of the checking account on the phone XX/XX/year> secure email message from me reads " Message : I have spoken to customer support, and have submitted a signed PDF asking to close my line of credit. 

Can you now please close my checking account once the creditline is formally closed. 

Thank you. '' XX/XX/year> There response was that unable to close account since XXXX still open. 

XX/XX/year> I was charged a " maintenance fee '' of {$15.00}. 
XX/XX/year> I logged in today to confirm that account closed, and it is not and due to this new outstanding " maintenance fee '', they will not close the account!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-09 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: AL

Complaint narrative:
I recently check my credit report and noticed an account ( XXXX XXXX ) reporting inaccurate information. Per the FCRA, it is my right to have a fair and accurate credit report.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: GA

Complaint narrative:
As of XXXX XXXX XXXX XXXX XXXX XXXX XXXX was paid in full for a debt owed to Klarna. The debt has not been resolved with Klarna despite a paid in full email from XXXX XXXX XXXX. Klarna still shows balance due of {$620.00} 113 days past paid in full date. XXXX XXXX has failed to report the debt resolved despite multiple emails regarding this issue or Klarna has failed to clear balance for 113 days, multiple text chats and emails have been sent to both companies with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently checked my credit report and noticed an unauthorized inquiry as well as accounts that i've never had and hadn't been authourized by me. Reached out to try to resolve the issue with all three credit bureaus and have yet to receive any response or resolution. From my understanding the accounts were supposed to be removed within 4 days and it's been WELL over that amount of time and they left me no choice but to file a formal complaint because it's no way that could be legal. This is very frustrating and embarrassing because i'm suffering from things that I didn't authorize. I have attached all supporting documents regarding my claim..

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Your agency Violated my rights by not providing me with a 1099C that XXXX XXXX used in the charge off in the Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. 
The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this Charge off must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX Im asking for a 1099C that XXXX XXXX used for the charge off Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

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 2025-09-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to the lack of response from the credit bureaus regarding my disputes and inquiries. I have mailed dispute letters to Equifax, Experian, and TransUnion via certified mail and have attached proof of delivery. Despite my efforts, I have not received any corrections or proper responses from the bureaus. 

I provided documentation identifying inaccurate information on my credit reports, including several unauthorized inquiries and derogatory marks that do not belong to me. I have submitted these disputes on multiple occasions, yet the bureaus have failed to address or correct the errors. Their lack of response is in direct violation of my rights under the Fair Credit Reporting Act, and I respectfully request the CFPBs assistance in ensuring that these inaccuracies are properly investigated and resolved.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the lack of response from the credit bureaus regarding my disputes and inquiries. I have mailed dispute letters to Equifax, Experian, and TransUnion via certified mail and have attached proof of delivery. Despite my efforts, I have not received any corrections or proper responses from the bureaus. 

I provided documentation identifying inaccurate information on my credit reports, including several unauthorized inquiries and derogatory marks that do not belong to me. I have submitted these disputes on multiple occasions, yet the bureaus have failed to address or correct the errors. Their lack of response is in direct violation of my rights under the Fair Credit Reporting Act, and I respectfully request the CFPBs assistance in ensuring that these inaccuracies are properly investigated and resolved.

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 2025-09-09 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: TX

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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
There is no active litigation on XXXX XXXX IDs XXXX, XXXX, XXXX, XXXX. The companys CFPB reply appears to confuse a different matter that XXXX is suing me over. I disputed in writing and requested the un redacted bill of sale, the native Excel/CSV schedule that lists the suppsoed loans, and a XXXX custodian affidavit. None were provided ; only a summary representation of an XXXX document. Under 15 U.S.C. 1692g ( b ) collection must pause. Stating these accounts are in active litigation is incorrect and misleading under 1692e. Please re-forward and keep this complaint open until proper validation is provided or the claims are withdrawn. Prior CFPB case # : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EdFinancial Services
State: GA

Complaint narrative:
" I paid off my student loan, but the credit bureaus are still reporting it as delinquent. I have contacted my lender and the credit bureau but they have not corrected the information. This is affecting my credit score unfairly. '' Payment confirmation XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Buckle in. This is a business card XXXX XXXX cardholder name XXXX XXXX. 

On XXXX I initiated an ach payment with my bank XXXX XXXX to XXXX XXXX for XXXX. 

XXXX XXXX .. Citibank administrator refused it. 

XX/XX/XXXX XXXX XXXX XXXXssued check XXXX to make payment. 

XXXX XXXX XXXX XXXX reversed the payment not at my request. 

XX/XX/XXXX I called XXXX XXXX XXXX Citibank to let them know my back reversed the check and I would like to make payment for new balance of XXXX. 

XX/XX/XXXX we took a check to the XXXX XXXX XXXX per customer services advice. Store manager XXXX XXXX and cashier XXXX. 

I received my next XXXX XXXX bill which was due XX/XX/XXXX and it shows our check being received and reversed on the same day XXXX. 

The check was # XXXX and it cleared my bank XXXX XXXX on XXXX. 

XXXX on XXXX I called my bank XXXX XXXX and ask to confirm the check was cashed and I did not and will not received the funds. They confirm that and refused to help me further. 

Since then I have talked to home depot aka Citibank every week usually more than once a week trying to clear this up. 

I have sent numerous copies of my bank statements confirming I did not receive the funds back to a variety of fax numbers. 

I would call and they would confirm they received and then deny they received it and I had to fax again. They also told me the return check fee and all interest would be reversed once this was resolved. 

Finally they said they had did have documentation and they were crediting me the payment. Yeah nope. 

Received next bill they did not reverse interest and returned check fee. 

I tried to dispute it and they told me I had to fax bank statements again. I gave up and on XXXX I paid the return check fee and interest of XXXX. 

All good nope. 

Today XXXX I received a letter from XXXX XXXX dated XXXX that they were reversing the credit of XXXX and charging me more interest. Plus they XXXX report me to credit bureaus. 

Please please help!! 


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 2025-09-09 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: NJ

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
XXXX XXXX, IL XXXX Re : Identity Theft & Credit Report Disputes Request for Immediate Deletion and Correction To Whom It May Concern, I am a victim of identity theft and inaccurate reporting. I dispute the accuracy and completeness of the information listed in my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand deletion of all fraudulent, unverifiable, and inaccurate items.

Legal Grounds for Deletion : 15 U.S.C. 1681c-2 : Fraudulent information must be blocked within 4 business days after receipt of identity theft report & proof.

15 U.S.C. 1681i : Bureaus must reinvestigate disputes within 30 days ; unverifiable information must be deleted.

15 U.S.C. 1681e ( b ) : Bureaus must ensure maximum accuracy ; any unverifiable late payments or data must be deleted.

15 U.S.C. 1681s-2 : Furnishers must investigate and stop reporting inaccurate information once notified.

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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