vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to remove a fraud alert on my credit for a few weeks. With no response or change. 
I did not put this on my 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to remove a fraud alert on my credit for a few weeks. With no response or change. 
I did not put this on my 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 explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account listed above, which is currently being reported to my credit file. This account, managed by Radius Global Solutions and listed as originating from XXXX XXXX XXXX, is being inaccurately and inconsistently reported across XXXX  and XXXX  credit bureaus. XXXX  does not reflect this account at all. 
This reporting violates multiple sections of the FCRA and FDCPA, including but not limited to : FCRA Violations : 1. 1681e ( b ) - Failure to Ensure Maximum Possible Accuracy - XXXX  reports the account as an " Open account '', while XXXX  lists it as a " Collection ''.

- These inconsistencies in classification directly violate the requirement to maintain accurate reporting.

2. 1681c ( a ) ( 5 ) - Reporting of Information Not Accurate or Complete - The account shows an opening date of XX/XX/2025, which is a future date. This is factually inaccurate and impossible. 
XXXX. 1681i ( a ) ( 1 ) ( A ) - Duty to Reinvestigate Disputed Information - I hereby request immediate reinvestigation and demand full validation of this alleged debt, including original documentation.

FDCPA Violations : 4. 807 ( 15 U.S.C. 1692e ) - False or Misleading Representation - Classifying a collection as an " open account '' misrepresents the nature of the debt. 5. 809 ( 15 U.S.C. 1692g ) - Failure to Provide Validation of Debt - Radius Global Solutions has not provided any signed contract, chain of title, or proof of assignment from 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 2025-07-26 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: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
Accounts were obtained in my name by a relative when they were living with me. I had no knowledge until I checked my credit report. That individual is currently incarcerated. I did not open these accounts. I am asking these companies for camera footage and I will have my lawyer involved.

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 2025-07-26 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: ProCollect, Inc.
State: MS

Complaint narrative:
Accounts were obtained in my name by a relative when they were living with me. I had no knowledge until I checked my credit report. That individual is currently incarcerated. I did not open these accounts. I am asking these companies for camera footage and I will have my lawyer involved.

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 2025-07-26 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: DC

Complaint narrative:
Cant access my credit score or get my free credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am a victim of identity theft i have no knowledge of this account i never attended this school

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
In XX/XX/year>, I signed up for what I believed was an XXXX rewards program at an XXXX XXXX store. I was told I would get 20 % off my {$30.00} purchase, and that if I didnt use the card, it would cancel itself. At no point did the associate tell me my estimated {$30.00} purchase would be charged to a Comenity Bank credit card, and I was never given a physical or digital card. 

Weeks later, I received a statement saying I owed money to Comenity Bank and have since been contacted repeatedly about a balance that has grown due to interest and late fees. I never knowingly authorized this credit charge and had no ability to manage or pay it, as I had no access to the card at the time. 

I am a young woman living paycheck to paycheck and managing rent, car payments, and other financial responsibilities. I am fully willing to pay the original estimated {$30.00} but not the interest that was unfairly added to a charge I was not made aware of. 

I contacted Comenity Bank previously and was told there was nothing they could do, which I find unacceptable. This is a case of misrepresentation at the point of sale and I request assistance to have the interest and fees waived and any negative credit reporting removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
This complaint is a continuation of CFPB Complaint # XXXX, which I originally submitted to dispute a collection account with National Credit Systems on behalf of XXXX XXXX XXXX . 

In XX/XX/2025, I paid the {$1100.00} balance directly to XXXX XXXX XXXX. I provided proof of payment in my original CFPB complaint. However, the collection account is still appearing on my credit reports. I have emailed the apartment complex multiple times since payment with no response, and I have received no written confirmation from National Credit Systems that the account was resolved or would be updated. 

Despite my efforts and the evidence submitted, the previous complaint was marked closedeven though the issue is not resolved, and the account continues to harm my credit profile. 

I have attached the payment receipts and other information, but they did not acknowledge this in the prior complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My step son was playing with my phone and accidentally made XXXX payments with capital one card ending XXXX and XXXX I contacted capital one because this put me in overdraft with my bank. I talked to a supervisor on the XXXX of XXXX and I was on the phone for over a hour. The supervisor with me on the phone contacted my bank to make sure the payments went through and at the end of the bank phone call she told me I would receive XXXX checks in the mail for the accidental payments that was made. I get home from work today and have XXXX letters in the mail stating i.would not be receiving any checks. I contacted capital one soon I read the letters and I talked to a financial supervisor and she told me that she was sorry but I would not be getting a check for either extra pay that made. I have never once been late with this bank! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I recently discovered that my personal information was sold without my knowledge or consent. This includes sensitive data such as my name, contact details, and potentially financial or identifying records. I did not authorize the release or sale of this information to any third party. The unauthorized distribution of my personal data constitutes a serious breach of my privacy and has exposed me to potential identity theft, financial fraud, and other risks. I am actively taking steps to secure my information, monitor my credit, and pursue any necessary legal or corrective actions to address the impact of this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
My deposit has been processed and sent. Chime is holding it an they are giving me conflicting explanations as to when I can expect to have my money. The funds have processed and have been sent but they refuse to realses them to me. I am homeless living XXXX XXXX XXXX XXXX XXXX XXXX I have explained this to them they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to make a wire transfer from my Chase bank account. On XXXX separate occasions the bank refused because it appeared that there might be fraud involved. They said it was there policy to protect their customers. The fraud department reviewed my request and after a phone interview refused my wire request. On my XXXX  attempt XXXX of the bank tellers spoke to the fraud department and convinced them to let the wire transfer go through. If she had not intervened I would not have lost the {$34000.00} because I'm sure the fraud department would have refused my request. They went against company policy because the teller convinced the fraud department to let the wire transfer go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have attempted to reach out to XXXX XXXX XXXX and Credit Karma regarding my charged-off and closed accounts. Im seeking information about these accounts, as they are being sold to various collection agencies. Despite my inquiries, they continue to be reported on my credit report each month. I was not informed about any of this in my credit report, nor have I received any written communication about these accounts. I have requested their removal and deletion from my credit report, but they refuse to provide proof or documentation regarding these accounts, and they keep reappearing on my report. I am aware of my rights, but this situation is causing me 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 2025-07-26 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: DC

Complaint narrative:
b'TRANSUNION IS IN VIOLATION ACCORDING TO METRO 2 COMPLIANCE STANDARD. CERTIFIED MAIL RECEIPXXXX 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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC
State: DE

Complaint narrative:
Goodleap, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX are all charge off profit and loss write off. 
Charge off- 15 US Code 1681 ( e ) Charge off 15 US Code1681 ( I ) Delete payment 15 US Code 1666 ( e ) Delete payment 15 US Code 1637 ( a ) I request for a 1099-C. These accounts were paid off I have not received a 1099-C from these companies. If i dont receive 1099-C and also deletion off my Credit Report I will sue for statutory Damages. Its also illegal for these companies to use someone social security number because the numbers belongs to Social Security administration. My information was in the data breach which will be filed with identity Theft. gov

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: VA

Complaint narrative:
I am filing this complaint against Klarna for two disputed transactions : Statement Numbers : XXXX and XXXX. 

Klarna has failed to honor its advertised buyer protection policies in both disputes. I received defective and falsely advertised merchandise from a seller on XXXX. I followed Klarna 's dispute process, submitted all requested documentation ( including photos, receipts, product listings, and failed attempts to resolve the issue with the seller ). Despite this, Klarna denied my disputes and closed both cases, stating they can not help unless the seller agrees to provide a refund. 

This is not buyer protection it's seller protection. Klarna refuses to act unless the seller agrees to the refund, regardless of clear evidence showing the product was not as advertised. 

The product I received was supposed to support XXXX solar panels. However, the stand was flimsy, dangerously undersized, and too low to the ground. It could not safely hold even XXXX lbs, despite the listing claiming it supports XXXX lbs. It also did not support proper installation due to its low height. We were forced to purchase replacement stands costing {$4800.00} ( paid using Klarna XXXX XXXX ) to replace the defective units. 

The seller only offered to let me buy all the parts again from XXXX with additional shipping, which would cost more than the original product. Klarna accepted this as a " resolution '' and closed my case which is unacceptable and contrary to Klarnas stated buyer protection. 

Klarna closed the dispute for both orders and stated they can not do anything unless the seller agrees to the refund, despite the evidence. This directly contradicts their advertised buyer protection. They also ignored the fact that the sellers offered solution was to pay again for parts and shipping from XXXX not a reasonable remedy. 

I have attempted to resolve this with Klarna but have been denied. This complaint is for both of the following Klarna orders : XXXX XXXX Unless these cases are properly resolved, I will be refusing further payments to Klarna and pursuing legal action for failure to follow their own policies and protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account listed above, which is currently being reported to my credit file. This account, managed by XXXX XXXX XXXX and listed as originating from XXXX XXXX XXXX, is being inaccurately and inconsistently reported across TransUnion and XXXX  credit bureaus. XXXX  does not reflect this account at all. 
This reporting violates multiple sections of the FCRA and FDCPA, including but not limited to : FCRA Violations : 1. 1681e ( b ) - Failure to Ensure Maximum Possible Accuracy - TransUnion reports the account as an " Open account '', while XXXX  lists it as a " Collection ''. 
- These inconsistencies in classification directly violate the requirement to maintain accurate reporting. 
2. 1681c ( a ) ( 5 ) - Reporting of Information Not Accurate or Complete - The account shows an opening date of XX/XX/year>, which is a future date. This is factually inaccurate and impossible. 
3. 1681i ( a ) ( 1 ) ( A ) - Duty to Reinvestigate Disputed Information - I hereby request immediate reinvestigation and demand full validation of this alleged debt, including original documentation.

FDCPA Violations : 4. 807 ( 15 U.S.C. 1692e ) - False or Misleading Representation - Classifying a collection as an " open account '' misrepresents the nature of the debt. 5. 809 ( 15 U.S.C. 1692g ) - Failure to Provide Validation of Debt XXXX XXXX XXXX XXXX has not provided any signed contract, chain of title, or proof of assignment from 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 2025-07-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian \n\nSubject: Dispute of Fraudulent Inquiries on my credit file. \n\nTo Whom It May Concern,\n\nI am writing to formally dispute and request the immediate removal of fraudulent inquires on my credit report listed below. \n\nI am a victim of identity theft, and certain inquiries on my credit report that I did not authorize. \n\nDisputed inquires \n\nally financial 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 XXXXThank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citibank received my payment of {$10000.00} on XX/XX/year>. XXXX XXXX bank  confirmed they received their funds on XX/XX/year>. I spoke to XXXX different customer service representatives on XX/XX/year>. They confirmed that they are holding my payment till AFTER my due date and refusing to credit my account. This has a negative effect on my credit history when i make a payment 6 days before my due date and the bank is choosing to hold the payment intentionally after my due date to create late fees and derogatory credit history. This is not just immoral it is highly illegal per Regulation Z the truth in lending act which requires payments to be posted within 24 hours. I spoke to a supervisor who stated that their policy.

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 monetary relief