vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I was notified by XXXX my info was leaked via U.S. database breach and XXXX This complaint is to dispute the inaccuracies on my experian credit report. 

Starting with XXXX XXXX XXXX  XX/XX/XXXX, I did not apply for credit and did not open a new account. This hard inquiry is fraud. XXXX  XXXX discontinued my XXXX card and sent me a XXXX card after I updated my address. The hard inquiry for XX/XX/XXXX is incorrect because I did not apply for new credit at that time. 

I do not have an account with XXXX The hard inquiry for XX/XX/XXXX is inaccurate. 

Finally, XXXX I have a hard inquiry from XX/XX/XXXX. I have held my XXXX account for longer than 2 years. They are falsely reporting this hard inquiry. It should have been deleted last year because I applied for my XXXX account late in 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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
When I requested the original creditor authorization or any information regarding, I did not get a response back nor did I get anything in the mail. I have consistently called the company XXXX and did not get through to anyone, there was no customer service department to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Block, Inc.
State: CO

Complaint narrative:
I deposited cash at the XXXX XXXX XXXX in XXXX, Colorado on XX/XX/2024. I added {$200.00} to my cash app account. I had 2 cash app accounts and could only load cash on 1 account and the other account I could not but could transfer money to it because I had a debt card for this account. I couldn't remember the pin and was locked out of my account. I called customer service and they were completely rude and ended up closing both my accounts. Cashapp took my money and never gave it back. There was no way to do anything else to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: AR

Complaint narrative:
XXXX  sold an account I had a XXXX balance on and closed with a XXXX balance to a collection agency. I filed a dispute it was removed then 6 months later the collection agency reported the incorrect information again. Original Date XXXX and it keeps reappearing in the amount of {$240.00}. The collection company 's name is I.C. Systems Inc. Orginal Creditor : XXXX XXXX XXXX They claim an attorney has been involved and that is not true or accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for not responding to my mailed disputes as required under the Fair Credit Reporting Act. 

On XX/XX/XXXX, I mailed dispute letters to Experian at their official dispute address, clearly identifying myself and the accounts in question. I enclosed copies of my identification and proof of address. Despite this, Experian has not provided any response within the 30-day period required under 15 U.S.C. 1681i ( Section 611 of the FCRA ).

This lack of response has caused me real harm. I have spent significant time preparing my disputes, paying for postage and certified mail to ensure delivery, and waiting well beyond the required response window. Experians inaction has cost me both time and money, and it continues to cause stress and uncertainty because my credit report may still contain inaccurate information.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-09-21 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: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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 issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
never received the original documentation on opening this account. I asked several times for documents and any information about this account like credit limit, cad issued, my signature for application. I never had this credit card before. Advised the company that i filed identity theft and provided the police number then when I was told that the debt would be off all three credit reports and it has not been removed. 
amount {$990.00} XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Klarna AB
State: CA

Complaint narrative:
Received a Late Fee Added Notice in mail from KLARNA dated XX/XX/year> saying I owe {$400.00} payments Reference Number XXXX - indicating a credit card was opened and charged in my name at XXXX. I called KLARNA at XXXX on XX/XX/year> at XXXX XXXX XXXX, talked to Agent named XXXX and informed her that I am a victim of Identity Fraud and that this account/credit card was opened fraudulently in my name without my consent and asked her to close the account, she put me on hold then came back and said KLARNA will investigate it and send details in email. I have no knowledge of receiving anything in email yet. KLARNA did not do anything to mitigate the situation they put me in by fraudulently opening the account in my name in the first place. KLARNA did not do due diligence before opening this account in my name. KLARNA is making it easy for Fraud Scam Artists to scam people like us. KLARNA need to be investigated for their lenient business practices which is only helping Scammers by making it too easy to open accounts in other people 's names without going thru rigorous ID verification. 
PURCAHSE DETAILS : REFERENCE NUMBER : XXXX ORDER DATE : XX/XX/year> PAYMENT PLAN : PAY OVER 12 MONTHS INTEREST ( 24.99 % apr ) {$56.00} LATE FEE : {$7.00} TOTAL COST : {$430.00} PAID : {$29.00} LEFT TO PAY : {$400.00} COPY ATTACHED OF THE LETTER - FRONT AND BACK PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX 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 2025-09-21 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX 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 explanation
Consumer complaint received 2025-09-21 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-21 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: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX, account number XXXX, which is currently appearing on my Experian and Equifax credit reports. This same account has already been deleted from XXXX, and XXXX XXXX XXXX has failed to validate the debt as required under federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must provide proper validation of an alleged debt if disputed. XXXX XXXX XXXX has not provided such validation, and therefore they may not continue collection or reporting. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires consumer reporting agencies to reinvestigate disputed information and delete unverifiable data.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverified information.

15 U.S.C. 1681c-2 ( a ) provides consumers the right to block and remove information resulting from fraud or unverifiable accounts. 

All three consumer reporting agencies ( Equifax, Experian, and XXXX  ) are required to report information accurately and consistently. Since XXXX  has already deleted this account, Experian and Equifax must also delete it to comply with the law and ensure accuracy across all files.

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 2025-09-21 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: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX, account number XXXX, which is currently appearing on my Experian and Equifax credit reports. This same account has already been deleted from XXXX, and XXXX XXXX XXXX has failed to validate the debt as required under federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must provide proper validation of an alleged debt if disputed. XXXX XXXX XXXX has not provided such validation, and therefore they may not continue collection or reporting. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires consumer reporting agencies to reinvestigate disputed information and delete unverifiable data.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverified information.

15 U.S.C. 1681c-2 ( a ) provides consumers the right to block and remove information resulting from fraud or unverifiable accounts. 

All three consumer reporting agencies ( Equifax, Experian, and XXXX  ) are required to report information accurately and consistently. Since XXXX  has already deleted this account, Experian and Equifax must also delete it to comply with the law and ensure accuracy across all files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Please see attached for the list of inquires. 

But the issue is, I repeatedly tell auto dealers DONT SHOP MY CREDIT. I GIVE THE ACTUAL DEALER PERMISSION TO RUN IT, AND THATS IT. AND NOW I REVIEW MY CREDIT AND I HAVE A TON OF INQUIRES FROM COMPANIES THAT IVE NEVER AUTHORIZED AND NEVER HEARD OF.

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 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
The company IQ DATA XXXX XXXX 
XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Is trying to collect {$9200.00} from just me when I have a joint collections with my old roommate. He had it fully removed from his credit and put on mine. I have disputed this multiple times and they keep saying the information is accurate yet it is still listed as a joint debt. I have my lease agreement showing that we were both liable. They will not provide me with any of their proof of documentation. I am positive this is very wrong! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: LA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] 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