vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion, XXXXXXXX XXXX and XXXX ( an XXXX company ) for multiple violations of the Fair Credit Reporting Act ( FCRA ). 



TransUnion is reporting a XXXXXXXX XXXX account with false, impossible, and outdated information. The tradeline lists a balance of {$13000.00} against a {$9000.00} credit limit, shows a future update date ( XX/XX/year> ), and even reflects an account year of 1969an impossibility. This violates FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 605 ( a ), as well as Metro 2 reporting standards. XXXX, as the furnisher, is responsible for knowingly supplying inaccurate data in violation of 1681s-2 ( b ). 



I also reference TransUnions XX/XX/year> data breach as evidence of their negligence in maintaining accurate and secure consumer data. Despite written disputes demanding validation, deletion, and documentation within 15 days, both entities continue to report false information. 



In addition, XXXX responded to my written dispute by refusing to provide my consumer disclosure in writing and directing me to call instead. This is a violation of FCRA 609 ( a ) and 611 ( a ). 



I request the CFPB to investigate these violations, order the permanent deletion of the XXXX tradeline and any other inaccurate records, and hold all parties accountable for noncompliance and willful disregard of the 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 explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On the last week of XXXX. I overdrew my checking account for the first time either in years or ever to my knowledge. For that they debited me XXXX XXXX But while it was overdrawn unknown to me, I tried using my debit card a few times and the purchases went through. XXXX for about {$10.00} and the other not much more. They still covered those purchases but hit my account with {$35.00} each time. It makes no sense to cover a purchase for a few dollars, only to charge me several times that as a fee. Total XXXX debits - XXXX. I since covered the overdraft with a major deposit. 

I requested a credit for that and they agreed to XXXX - {$70.00}, although I don't think I should be charged anything. I've been an excellent customer for almost a decade and deposited hundreds of thousands in their bank. Considering the many times they have been found guilty of fraud and breaking other consumer laws over the years by your agency, they shouldn't shaking down customers for {$35.00} fees. Please advise.

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 2025-11-03 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: CA

Complaint narrative:
This account with XXXX XXXX XXXX was paid but it is still being reported inaccurately as open date and past due amount. I have notified experian to remove this inaccurate information, however they continue to have information come back as verified. The date is inaccurate as well as the amount.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account with XXXX XXXX XXXX was paid but it is still being reported inaccurately as open date and past due amount. I have notified experian to remove this inaccurate information, however they continue to have information come back as verified. The date is inaccurate as well as the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am writing to dispute the accuracy of the following items on my credit report. These items are being disputed based on errors, incomplete information, and/or incorrect reporting. Please review these accounts and take corrective action as necessary. If any information can not be verified or updated, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$6200.00} Inquiries : XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX  XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX, Date Open : XX/XX/XXXX XXXX XXXX, Date Open : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One 1. I need my account ending in XXXX re- opened. You opened the other, three. Please dont close my accounts. I dont want to ruin my credit score.

2. Secondly, I need to have most or all of my late fees removed. I was in the hospital in XX/XX/year>. I couldnt pay on time.Also, someone had, illegally, closed my accounts, in XXXX. I did make payments, however, I was in the processes of a second dispute with Consumer Financial Protection Bureau. Phone spoofers were destroying my accounts. They closed my accounts, in XXXX, as soon as, Capital One re opened them the first time. I waited, twice, to see if your company would re open the account. You successfully did that. After this ordeal, I was also dealing with an illness and my mothers death. I have been very depressed as well. My account was always in good standing. Its unfortunate that this had to happen. 
XXXX. Please help me with a payment plan for the late fees. Do I have a payment protection on my account? 
XXXX. Could you fix the account, and mail or email me with a breakdown of what I need in order to get the accounts fixed. 
XXXX. I have been paying for a protection plan. I can pay the payments, however, I need help with past due fees, on the accounts, due to illness and phone hackers copying my phone numbers. They are also calling in to close my accounts. This needs to stop. No one should be authorized to call except me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover has claimed that I made or used this airline purchase, which is false. I did not authorize or benefit from it. I have repeatedly asked for documentation, but Discover has not provided any. I am seeking assistance in having this matter reviewed and the disputed charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MI

Complaint narrative:
I respectfully request that the following items on my TransUnion credit report be reviewed and corrected to ensure they are accurate. If any of these items can not be verified, I request that they be removed from my credit report. 

Late Payments : DPT EDXXXX, Account Number : XXXX DPT ED/XXXX, Account Number : XXXX DPT EDXXXX, Account Number : XXXX DPT EDXXXX, Account Number : XXXX DPT EDXXXX, Account Number : XXXX DPT EDXXXX, Account Number : XXXX DPT EDXXXX, Account Number : XXXX DPT ED/XXXX, Account Number : 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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I sent Bureau a lawful written request for validation of the alleged debt. Instead of producing the original signed agreement, full accounting, or any proof they have legal right to collect, they mailed me generic XXXX XXXX screenshots that anyone could print off the internet. Their letter even admits it was in response to your validation of debt, confirming they received my request but chose to ignore every part of it. 
More than ten days have passed and they continue reporting inaccurate information to the credit bureaus. This is a textbook violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act. They are attempting to collect without validation, misrepresenting the debt, and refusing to correct false reporting. Im requesting CFPB intervention for full investigation and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items are not accurate or do not reflect my actual credit history : Charged Off Accounts : [ None listed ] Inquiries : [ None listed ] Positive Accounts : [ None listed ] Late Payments : XXXX  - Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX  - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: CA

Complaint narrative:
I placed an order with an online retailer, XXXX, on XX/XX/year> ( Order # XXXX ) through Klarnas payment plan for {$210.00}. The company changed ownership and never fulfilled the order. The new owners confirmed in writing that they can not access or refund prior transactions. I submitted a dispute to Klarna with full documentation, but Klarna refused to reopen my case solely because I replied 10 days after their initial contact ( instead of within 7 ). I am still being billed through Klarna for an order I never received, with no refund, review, or consumer protection. 



Full Description Merchant : XXXX Order # : XXXX Purchase Date : XX/XX/year> Amount : {$210.00} USD Payment Method : Klarna installment plan Location : XXXX, XXXX  XXXX I ordered several home goods ( bed sheet organizers, storage bags, and organizers ). XXXX processed the payment through Klarna but never shipped any items. After weeks of no updates, I contacted XXXX  multiple times. On XX/XX/year>, I received an email from their new ownership stating they can not access, manage, or fulfill any orders processed under the previous owner, and advised customers to seek help from payment providers or the XXXX. 

I submitted a dispute to Klarna immediately with documentation. Klarna contacted me on XX/XX/year>, and I replied on XX/XX/XXXX ( 10 days later ) with all requested materials. Klarna then denied reopening my case, stating I had exceeded their seven-day response window. This was my only dispute with Klarna, and I acted in good faith. 

As of today, Klarna continues to bill me for the full purchase amount of {$210.00} even though the product was never delivered, and the merchant is defunct. Klarna has provided no refund or credit, and no substantive review of the evidence. I believe this violates U.S. consumer protection laws prohibiting financial intermediaries from collecting payments for undelivered goods when a merchant is out of business. 



Desired Resolution 1. Reopen and fully review the dispute. 
XXXX. Suspend or cancel all remaining Klarna payments tied to this order. 
XXXX. Refund all payments already made. 
XXXX Review Klarnas dispute-response policies to ensure consumers are not denied protection over minor procedural delays. 



Consumer Information Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MN

Complaint narrative:
I am submitting this complaint to dispute the following accounts on my Equifax credit report. I believe these items are inaccurate and should be removed or corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IA

Complaint narrative:
b'Please update and correct my personal identifying information. My accurate and current details \nare: \nFull Legal Name: XXXX XXXX XXXX XXXXCurrent Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRemove any old or incorrect versions of my name or address, including: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All outdated prior addresses \nThese inaccuracies violate your duty under 15 U.S.C. 1681e(b) to maintain maximum possible \naccuracy. \nPlease confirm correction in writing once complete. \nSincerely, XXXX XXXX XXXX XXXXSubject: Account Accuracy Dispute XXXX XXXX XXXX (Account # XXXX XXXX XXXX XXXX) \nDear TransUnion, \nI am disputing the accuracy of my XXXX XXXX XXXX tradeline. My XXXX  and XXXX  files \nreflect a balance discrepancy (XXXX/TransUnion show XXXX, XXXX  shows XXXX). \nThis constitutes a reporting inconsistency that must be corrected or removed under 15 U.S.C. \n1681i(a)(1)(A) and 1681e(b).'

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 2025-11-03 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: FL

Complaint narrative:
I am disputing the following items on my TransUnion credit report. Please review the listed accounts for accuracy and take the necessary corrective actions. 

CHARGED-OFF ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2000.00}

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 2025-11-03 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: OR

Complaint narrative:
I am submitting this dispute to Experian regarding several items that appear on my report which I believe are either inaccurate or need verification. I am working on improving my credit standing and want to ensure all information on file is fair and correct. 

Charged-Off / Public Record Account in Dispute : XXXX, Reported Date : XX/XX/XXXX, Reference # : XXXX, Amount : {$0.00} This bankruptcy record appears to be outdated and may be reporting beyond the FCRAs allowable time frame. Please verify its accuracy and reporting date. If the record can not be verified or is older than permitted, please remove it from my file. 

Inquiries in Dispute : XXXX XXXX, XX/XX/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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MN

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 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
re-submitting all previous information regarding the fraudulent activity that took place on XX/XX/year>. 
Case number 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter to the credit bureaus regarding several errors and unfamiliar entries on my credit report. Unfortunately, it has been over 30 days, and I have not received any response. It feels as though my concerns are being disregarded, and I feel taken advantage of. Under Section 611 ( a ) of the Fair Credit Reporting Act, if these items are not investigated within 30 days, they must be promptly removed from my credit report. Due to the ongoing stress this matter has caused, I am considering taking legal action to resolve it.

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