vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a XXXX XXXX card with my business and was personal. Auto payment somehow stopped and they didnt let me know. The system then never updated me they had an old address on file so all mail never made it to me. They then hit me with 90 day late which drove my XXXX credit down XXXX points and they wont change it. Once I was notified I paid card off completely. 

XXXX XXXX XXXX XXXX XXXX Business card then had auto payment somehow auto payment got turned off and no one updated 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a XXXX XXXX card with my business and was personal. Auto payment somehow stopped and they didnt let me know. The system then never updated me they had an old address on file so all mail never made it to me. They then hit me with 90 day late which drove my XXXX credit down XXXX points and they wont change it. Once I was notified I paid card off completely. 

XXXX XXXX XXXX XXXX XXXX Business card then had auto payment somehow auto payment got turned off and no one updated 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 explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding unauthorized and excessive hard inquiries made by XXXX XXXX  on behalf of Google ( listed as SYNCB/Google on my credit reports ). 

In XXXX & XXXX, I applied twice through the Google Store to finance a phone. That single application resulted in multiple hard inquiries more than a dozen being submitted to the credit bureaus. These inquiries now appear on my reports from XXXX XXXX, and XXXX. 

I did not authorize repeated or multiple submissions. The excessive inquiries are harming my creditworthiness, lowering my score, and do not reflect any actual credit-seeking behavior on my part beyond a single purchase attempt. 

I have contacted Google and XXXXXXXX XXXX to demand removal of all but XXXX inquiry. I am now requesting that the CFPB investigate this issue, as it may violate FCRA protections and responsible reporting practices. I am attaching supporting documents as needed. 

Thank you for your attention to this matter.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am disputing a collection account reported by Rent Recovery Solutions in the amount of {$2600.00} for an apartment lease with XXXX XXXXXXXX. 

This account is being reported inaccurately and without proper documentation. I have never received a move-out itemization or final billing statement, which are required by law to validate an apartment-related debt. 

As the debt is unverified, improperly documented, and never notified in writing, I am requesting immediate removal from my credit report in accordance with the FCRA. 

Per FCRA Section 611 and FDCPA Section 809, this information must be provided for continued reporting. 

Please confirm once this account has been deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 

Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable XXXX XXXX data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the XXXX XXXX, poses a severe risk to data integrity. 

Equifax : Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Experian : Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX TransUnion : Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX, XXXX, GA XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged 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 2025-06-22 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: GA

Complaint narrative:
I am writing to express my concern over the infringement of my consumer rights caused by the dissemination of inaccurate information. Fair treatment is my fundamental right as a consumer, and I kindly request a thorough explanation of the deficiencies in meeting accuracy and compliance obligations. 

Moreover, it is crucial to emphasize that I can not tolerate negative information, regardless of its certification. What truly matters to me is the verifiable truth regarding your company and the data associated with my credit profile. The lack of accuracy in the credit report I received is surprising, as it is expected that you adhere to the FCRA and applicable XXXX XXXX data field formatting standards. I hereby challenge you to provide a comprehensive, verified, complete, and truthful document that supports each claim made. Failure to adhere to these standards, as outlined in the XXXX XXXX, poses a severe risk to data integrity. 

Equifax : Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Experian : Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX TransUnion : Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX, XXXX, GA XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Wells Fargo ( WFBNA CARD ) Inaccurate Credit Reporting, Fraudulent Charges, and Failure to Investigate I, XXXX XXXX, am filing this complaint against Wells Fargo Bank N.A. for inaccurate credit reporting and unresolved fraud. 

This account ( WFBNA CARD, # XXXX ) is reporting as charged off with XXXX negative months and a past due balance of {$1200.00}. This is false, harmful, and misleading. 

I made multiple fraud claims and disputes with Wells Fargo regarding unauthorized charges and reported them as fraudulent. Despite this, the company : Failed to investigate properly as required by 15 U.S.C. 1681s-2 ( b ) and 1681i Did not validate the debt, provide statements, or correct the inaccurate late payments Continued to report the account as delinquent and charged off, which is harming my credit and causing financial hardship I was not provided with any results or findings of their so-called investigation. This is unfair, deceptive, and negligent conduct. Their actions violate : FCRA 15 USC 1681s-2 ( b ) Duty to investigate and correct inaccurate data FCRA 1681i ( a ) ( 5 ) Failure to delete data that can not be verified 15 USC 1692c Continuing to report and collect on a disputed and fraudulent 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Over the past XXXX weeks ( XX/XX/year> to present ), I have been trying to access XXXX website either through my web browser or using their app downloaded from the XXXX XXXX XXXX. When using the app, it says my login information is incorrect but when I use the same information on the website login page, it works. So the app is pretty much useless and there are countless reviews detailing this problem going back XXXX years. Once I log into the website, it asks me to verify my email but never sends a verification to my email address. I check spam and other folders, even used a different email address, nothing was ever sent for me to verify. This prevents me from filing disputes or requesting my credit report. There are other times when the website is completely down and when I select the settings bars in the upper right corner, the only option it gives me is to log out, nothing else. Their website has been a problem for at least XXXX years now and the customer service is horrible if you can reach them. How can a company have so much power over peoples lives yet operate a website and app that are pretty much useless for the consumer? Their reports are consistently lower than XXXX and XXXX  and its because nobody can update their information with them. I have successfully used the other XXXX bureau 's for my reports and have worked hard getting the information as accurate as possible on those XXXX platforms yet have been unable to do anything with TransUnion. With a majority of institutions relying in this data, TransUnion should have an accessible website and app. It blows my mind to read all these reviews saying the same thing, going back years, and nothing has changed. This isn't a complicated matter, I build websites and know that these issues stem from a lack of care because if they really did give a hoot, these issues would be non-existent. Please read the reviews in both XXXX and XXXX XXXX XXXX about the TransUnion app and look at the dates. Its all from people having the same issues. At some point, they'll end up getting their app removed because of so many negative reviews. The CFPB should force TransUnion to address these issues and have them fixed immediately or have their status revoked as being one of the three major credit reporting bureaus.

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 2025-06-22 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: VT

Complaint narrative:
I signed up to use Klarna for buy now pay later on XXXX different transactions. XXXX XXXX in XXXX ending in XXXX and XXXX in XXXX XXXX with my last payment being on XX/XX/XXXX. Since XX/XX/XXXX, i have not used Klarna. 
In XXXX of XXXX Klarna had a data Breach that resulted in users seeing other users personal information, addresses etc. I recently got a piece of mail ( XXXX XXXX ) sent to my non primary address from a debt collection company called XXXX XXXX XXXX i have an outstanding balance of {$170.00} from Klarna credit, yet my only XXXX purchases had been paid in full since XXXX. When i contacted Klarna they stated I had two accounts- both with the same name, addresses and last 4 of social. One was in good standing ( mine ) and the other has an outstanding balance one for a XXXX XXXX {$98.00} & Coach outlet {$190.00}. I explained to them that this was clearly identify theft and asked if they sold my information as i have never shared my personal information. They indicated i would have to contact the debt collectors. I asked what email was on them as my one and only email was what i had told them on the phone. They confirmed the email addresses were different. I asked what banking information was on them, they gave this information and the bank they provided- i have never even had an account with that bank. I asked about phone number as i have to confirm my number when using the app, they stated the other account did not have a phone number listed. 
I asked them to send this to their fraud department. They had asked for my email to send me confirmation of submitting an unauthorized purchase- that email did not even have my correct name or the correct purchases we had talked about that was outstanding. 
I checked the account number indicated on the debt collection piece of mail and it does not even match my account number for Klarna. 
The collection has hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I am filing this complaint because a creditor ( Account # : XXXX ) inaccurately reported a late payment for XX/XX/XXXX. The creditor acknowledged in writing on XX/XX/XXXX, that my payment was received on XX/XX/XXXX. A payment received on that date does not exceed the XXXX delinquency threshold and therefore should not have been reported as a late payment under the Fair Credit Reporting Act ( FCRA ). 

Despite acknowledging this, the creditor refused to reclassify the payment as Paid as Agreed, claiming that a credit correction is not necessary. This response fails to meet the standards of accuracy and verification as required under 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i. I was not issued any adverse action notice as required by 1681m.

This inaccurate reporting has negatively impacted my creditworthiness. The furnisher has failed to correct the record after being given proper notice of dispute, violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
To Whom it May Concern : i am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. 
FXXXX 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

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 2025-06-22 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
These neighbors that live by me at addresses XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX has been stealing my prepaid cards, using government equipment to hack my accounts. XXXX has went into my account and used them. She has used my affirm account, attached cards into my XXXX account, she used my XXXX app, she tried to use my XXXX account. I want he away from me. She been also stealing emails. She is a criminal and I want these two women out of my account. 

I don't know if the took out loans in my name because they can hide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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