vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have attempted to get information and Validation from these companies to validated that these are my accounts, to no avail. 
All of these accounts are reporting incorrect information to XXXX XXXX XXXX XXXX  in violation of the FCRA XXXX ( b ). Please have these credit reporting agencies to delete these accounts off of my credit file that they have. 


- Jefferson Capital SystemXXXX XXXX XXXXXXXX ( Amount of claimed debt ) {$370.00} Opened : XX/XX/XXXX -Jefferson Capital SystemXXXX XXXX XXXX ( Amount of Claimed debt ) {$13000.00} Opened : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX 
( Amount of XXXX XXXX ) {$1200.00} Opened : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This letter is to file a formal complaint regarding a highly unprofessional and condescending experience with a Wells Fargo bank teller at the XXXX, VA on XX/XX/year> around XXXX XXXX. I have been a customer with Wells Fargo for over 20 years, and the treatment was disappointing and offensive. During a {$600.00} withdrawal, the teller, whose name is XXXX, made an inappropriate comment. I relayed to her that I wanted to make sure I got crispy, newer bills. I asked her if I could check the bills to make sure its what i wanted. She remarked she can not hand it to me because " I might just run out with it ''. This comment was demeaning and insulting. It implied a lack of trust and integrity, especially considering my long-standing relationship with Wells Fargo XXXX I understand there's procedures one has to follow but saying something like this is totally indelicate. For over XXXX decades, I have trusted this institution, and such patronizing behavior is unacceptable. The teller 's remark was uncalled for and created an uncomfortable atmosphere. As a loyal and long-term customer, a standard of respect and professionalism is expected from employees. This incident did not meet that expectation. 

The desired resolution includes : A formal apology for the unprofessional and offensive remark made by the teller. 
Confirmation that this matter will be addressed with the employee and that the necessary steps will be taken to ensure they receive additional training on customer service and professional conduct. 
A copy of the transaction receipt is enclosed for reference. It is expected that this matter will be taken seriously and addressed promptly. A reply and resolution to this issue are expected.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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: 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian because my credit report is not being updated to accurately reflect accounts that have been settled in full ( paid as agreed/settled for less than the full balance owed ). 

I have attached official payoff letters and settlement confirmations from each creditor showing that the accounts have been satisfied. 

Despite multiple attempts to resolve this directly, XXXX has failed to update my credit report to show the accurate status. 

These accounts remain listed as unpaid/derogatory, which is false and misleading. 

This inaccuracy has already caused harm by lowering my credit score and affecting my ability to obtain fair credit terms. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy. Failure to update settled accounts after receiving official documentation is a violation of these responsibilities. 

I respectfully request that this matter be corrected immediately and that my credit report be updated to reflect the accurate status of the settled account.

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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed there are several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my life and credit health.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Unauthorized accounts are being reported under my name without my knowledge or consent. I have never opened or managed these accounts. This is unacceptable and misrepresents my financial history.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: UT

Complaint narrative:
I seen this account pop up on my credit report, never got a notice or a right to dispute thinking it might be a mistake since I have a family member with the same name. I tried to dispute and it came back denied, claiming the agency verified the information. I requested debt validation by letter in XX/XX/year> and heard nothing back from them within a month. I attempted to dispute again in XX/XX/year> since I hadnt received anything to validate this debt, i got nothing. NOW i get call from a process server that they are trying to serve me papers for this account XXXX months after i sent my debt validation later. Without proper notice of this debt! Without validating this debt! This has to be a violation of FDCPA!!

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 information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am disputing the way Synchrony Bank is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, Synchrony Bank, with account # XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: MN

Complaint narrative:
I deposited {$50.00}. to a klarna account because they ran my credit and approved me to sign up. Usually, it wont even let you sign all the way up and get access to the app if your credit score is in a certain range. I tried making a purchase, but it denied me the first time. I assumed that maybe I needed more money, so I called. They said yes to add more money. 

Make sure I had double the amount I was trying to spend, so I added {$50.00} more dollars. once I saw that I still couldnt use the app for what the advertisement stated it was for. I added XXXX more dollars so I could purchase a gift card and close the account out. 
I tried doing that, but the app keeps telling me to add a debit card to the account. Thats where theyre trying to take the money out of one of my other debit cards. The money on the Klarna app was for making purchases, not to use funds off any of my other accounts. 

They told me to go shop at certain stores that they were partnered with I tried doing that, but they still denied me. Basically, they said I had no purchase power. I asked why they would let me put my money on their account if I am not eligible to spend any of it on what it was intended for. 

I asked how do I close my account out, and they said I had to spend the money thats in my account before I close it. I tried doing that, to spend the total balance that was on the card. Thats on the Klarna app, and theyre still trying to take the money out of another payment source versus the money that I put on Klarna. And have not refunded me my money

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 information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am disputing the way Barclays Bank Delaware is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, Barclays Bank Delaware, with account # XXXX, reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and these inquiries remain. This failure to act is unacceptable. 

The ongoing presence of these fraudulent entries is highly alarming and raises serious concerns of possible identity theft. Leaving this unresolved continues to inflict both emotional and financial harm.

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: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Today XX/XX/year> they repo my vehicle without notice

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

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original company you listed, and was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( if applicable, the contract I allegedly signed ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original cr
editor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses which do not constitute lawful validation. Therefore, the account remains unverified.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts including Cushman v. Trans Union, Dennis v. BEH-1, Clark v. Capital Credit, and Greco v. Trauner confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a formal dispute of the XXXX Tools tradeline and the following inquiries on my TransUnion file.

Tradeline Dispute XXXX XXXX Inconsistent reporting : Charge Off vs. XXXX XXXX left to pay. 
Duplicate entries with varying dates. 
Conflicting balances ( {$11000.00} vs. {$9900.00} ). 
Improper late reporting after closure.

Past Due {$9900.00} despite showing balance {$0.00}.

Furnisher name inconsistent. 
All late months from XXXX are disputed. Provide ledger documentation. 
Unauthorized Inquiries TransUnion The following inquiries lack permissible purpose and must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Legal Basis FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 604, 609 ( a ). 
XXXX XXXX field inconsistencies ( 12, 13, 14, 17A, 18, 20 ).

Cushman v. TransUnion precedent requiring independent verification.

DEMAND Delete or fully correct the XXXX Tools tradeline. 
Delete the unauthorized inquiries listed above. 
Provide documentation of your reinvestigation with business records.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I have called this company many times for them to send me proof that they own. The debt they just keep sending me the credit card bill

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX. XXXX  {$50.00} # XXXX XXXX XXXX. XXXX XXXX {$13000.00} # 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I placed a purchase on XXXX for a Freezer by the amount of {$730.00}. The Finance Period Agreement was XXXX XXXX XXXX XXXX Months EQUAL PAY. As I already had placed a previous purchase under the same payment plan and set up my Recurring Payments from before, I was expecting that the plan would be paid off automatically after 12 months. It was up to my surprise that I was placed under another plan called XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, charging me interest on the purchase after the plan expired. I am claiming for those interest charges to be refunded because I should have been placed in the correct playment plan in the first place. Attached you will find evidence of purchase displaying the payment plan that was agreed on and an a page of TDBank Statement where it shows this purchase under XXXX XXXX # XXXX which should have been as EQUAL PAY, not DEFFERED interest.

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: CA

Complaint narrative:
After reviewing my Transunion credit report I see fraudulent accounts due to the 2017 Equifax breach where all my personal information was leaked

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