vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports i notice some accounts I am not familiar with i have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, A copy of the XXXX report showing my information being exposed in a national XXXX and a XXXX Letter.

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 2025-04-29 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 recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
A few months ago, I unexpectedly had a backdated property tax increase result in my mortgage payment doubling. This resulted in me falling behind my credit card payment by one month. I called Citi to discuss my options and was encouraged to sign up for a payment program, which I ultimately did. This hardship was temporary- which I expressed very clearly during the call. 

After being placed on the program ( XXXX XXXX ), I was informed ( XX/XX/XXXX ) that a separate citi account would be closed. When I enrolled in the program, the agent did not at any point inform me there would be negative consequences to other Citi accounts- if they had, I would NOT have agreed to enroll. I would have let it go behind one more month and then caught up the payments without a program. 

I feel this was intentionally misleading and harmful. Now that another account is closing without my consent, my credit score will be impacted - not to mention, its a XXXX account that I already paid the annual fee for - so essentially I paid an annual fee for XXXX for a card I cant even use because Citi is shutting it down? Thats insane. 

This is a terrible customer experience and intentionally deceptive.

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 2025-04-29 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: GA

Complaint narrative:
Equifax has continued to report inaccurate and unverifiable information concerning my accounts, including but not limited to XXXX and XXXX XXXX XXXX. Your failure to conduct a proper reinvestigation constitutes willful and negligent noncompliance with federal law. Violations of the FCRA Failure to Conduct a Proper Reinvestigation ( 15 U.S.C. 1681i ) On [ Date of Dispute ], I submitted a dispute regarding the accuracy of my credit report. Equifax had 30 days to conduct a thorough reinvestigation, yet you merely reaffirmed incorrect information provided by third-party furnishers without proper verification. Continued Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) Despite clear evidence that the information is incorrect, Equifax has persisted in reporting inaccurate data, directly harming my credit profile and financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX we were charged an incorrect amount for 2 XXXX XXXX tickets, after the realization upon confirming through receipts from XXXX XXXX the amount is less {$680.00} each then the actual charge of XXXX each charged. We contacted airlines several times no resolution we then filed dispute with Citi bank all calls recorded and after attempting to electronically send the evidence which apparently Citi closed dispute because they weren't able to download it as I'm not aware how to send XXXX so spoke to supervisor XXXX she reopened the dispute we mailed with tracking paper copies of everything XX/XX/XXXX they received it, we were told during the investigation no interest would collect and they charged us interest on {$680.00}, {$13.00}. But the entire process we have received every excuse as to them closing it they couldn't get evidence XXXX time then the evidence isn't sufficient which how is a black and white receipt from the company stating amounts not the most important evidence necessary, they didn't even attempt to get money refunded and I thought dispute department are there exactly for these type of reasons. After speaking with XXXX thinking all was good then got letter saying closed due to length of time passed and hello I have been back n forth for months about this with them sent in signature pages together they uploaded 1 and closed other ticket???? Spoke to XXXX she said it was all squared away then yest XX/XX/XXXX they close it saying too much time smh and not sufficient evidence..... really plus charged Interest spoke with veish says no resolution for me wouldn't credit interest said call back in 3 hours but they will tell me the same thing when asking for her supervisor.... mind boggled at the inconvenience and inconsistency throughout this lengthy unprofessional dispute process. Plz help

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
Consumer complaint received 2025-04-29 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: NM

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
XXXX  is incorrectly reporting late payments on an account that was in bankruptcy. The late payments are wrong because the account was under bankruptcy well before the late payments populated and is still active.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-29 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: Kikoff Inc.
State: MI

Complaint narrative:
Dear Kikoff Customer Service, I hope this message finds you well. I am writing to clarify an ongoing issue regarding two accounts I have with Kikoff, which is impacting my credit score. One of my accounts is current and up to date, but the other still has unresolved issues that are negatively affecting my credit score each month. I understand that under the Fair Credit Reporting Act, accurate reporting is required, and I appreciate Kickoffs role in ensuring that my payment history is reflected accurately. However, the negative impact of the unresolved account continues to harm my credit each month, and Im seeking a resolution to avoid further damage. I would like to request a review of the account in question and explore potential options for addressing the missed payments, such as a goodwill adjustment or the possibility of updating the accounts status. I am committed to resolving this matter and would greatly appreciate your help in finding a way to improve my credit standing. Please let me know what steps can be taken to address the issues with the open account, and Im happy to provide any additional information or documentation needed to facilitate a resolution. Thank you for your attention to this matter. I look forward to working together to resolve this issue and improve my credit standing. Sincerely, XXXX XXXX Account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-29 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: FL

Complaint narrative:
[ Subject : Demand for Verification and Deletion of Account XXXX XXXXXXXX I am writing to formally dispute the validity of the account listed under XXXX XXXXXXXX with XXXXXXXX XXXX, as reported on my credit file. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a proper investigation into the accuracy of this account and provide method of verification as required by law. Additionally, under 15 U.S.C. 1681s-2 ( b ), you are obligated to ensure the completeness and accuracy of the information furnished to consumer reporting agencies. 

I hereby request the following : XXXX of XXXX : Provide detailed documentation verifying the accuracy of this account, including but not limited to : A copy of the original signed contract bearing my signature. 



A complete payment history, including dates and amounts of all alleged transactions. 



Proof of any assignment or transfer of the account, if applicable, with verifiable chain of custody. 



Any and all records that substantiate the legitimacy of this debt, as required by 15 U.S.C. 1681b.

Immediate Deletion : If you are unable to provide the requested verification within the statutory timeframe of 30 days, as mandated by 15 U.S.C. 1681i ( a ) ( 1 ), you must immediately delete this account from my credit file with all consumer reporting agencies, including Equifax, Experian, and TransUnion, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

Failure to comply with these demands constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 1681o, which provide for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and reasonable attorneys fees. Additionally, failure to verify the debt may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, if applicable. 

Be advised that I am fully prepared to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as initiating private legal action to enforce my rights under federal law. 

Please send the requested verification or confirmation of deletion to the address listed above within 30 days of receipt of this letter. Any communication failing to meet the requirements of this demand will be considered non-responsive and may result in further legal action. 

Govern yourself accordingly. 

Sincerely, 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 2025-04-29 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Pulled credit report on XX/XX/year> and noticed a collection for Jefferson capital listed for XXXX XXXX. A letter was mailed certified requesting a signed agreement and/or contract bearing my signature to verify debt. Documentation was never received. Per the listing on my credit report there are 3 different account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-29 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:
I know one complaint is already in progress but still my Equifax has not resolved my issue and its XXXX time frame where I have to dispute report. I am not able to login to my account and sespite various attempts even after complaint equifax did not restore my online account. They have been deliberately delaying signing correction saying the technical team will reach out to me. And no one from technical team has reached out to me for XXXX weeks. I have given up on my credit score its not in my control even when I maintain perfect credit. Can you please ask equufax to be more responsible and restore my online account so I can dispute my credit report. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MA

Complaint narrative:
XXXX TransUnion credit report contains multiple charge-off entries that are not only inaccurate, but deeply damaging to my overall creditworthiness. Specifically, the accounts listed as charge-offs are 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 XXXXXXXX ). These entries reflect high balances and negative statuses that do not align with my actual payment history or the current standing of the accounts. I have not received any legally required notices regarding the supposed charge-offs from these creditors, nor was I given the opportunity to validate or dispute these entries before they were reported to TransUnion. 

Furthermore, I have strong reasons to believe that these inaccuracies are the result of a data breach or internal processing error, as the accounts were either in dispute, settled, or paid as agreed at the time they were reportedly charged off. The abrupt appearance of these derogatory marks, with inflated or inaccurate balances, points to systemic issues in data integrity and reporting protocols.

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 2025-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On or around XX/XX/year>, I disputed a charge of {$790.00} with my bank for a XXXX purchase through Klarna made on XXXX XXXX. My bank did a chargeback and conducted an investigation into the claim to see if it was valid which prompted a suspension of my Klarna account while the dispute iwas being resolved. Around XXXX XXXX, my bank sent a letter stating that they will be voiding the chargeback of {$790.00} and sending the amount back to Klarna upon receiving the response from the company regarding their investigation which showed the charge was valid. The bank stated that they will be debiting my account for {$790.00} on or around XXXX XXXX which Klarna agents confirmed they received when I called them on or around XXXX XXXX to have my credit balance updated to reflect the payment of {$790.00} had indeed posted to my Klarna account. Unfortunately, despite numerous calls to agents who had been giving me false or misleading information, my Klarna balance was not updated with {$790.00} still showing in arrears for the XXXX  purchase on the website, Around XXXX XXXX  PST on XXXX XXXX, I received an email from XXXX XXXX ( Klarna Ticket # XXXX ) stating my account will be unsuspended per my request within 2 business days ; however, up to now, the balance in my Klarna account has not been updated with the {$790.00} Klarna admitted they received from my bank still showing in arrears on my XXXX  statement.

Company response to consumer: Closed with explanation