vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: IL

Complaint narrative:
Dear Klarna XXXX Team, I am writing to bring to your attention a serious issue involving Klarna and a fraudulent charge made to my Klarna account on XX/XX/year>. 

This charge was processed by a scam operation using multiple names, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  using the XXXX XXXX These companies have a history of complaints, an XXXX rating with the XXXX  and online reports from over XXXX victims describing identical experiences. 

XXXX knowingly participating in the scam : XXXX XXXX XXXX XXXX Complaints XXXX XXXX XXXX XXXX The scammers previously used XXXX until XXXX detected the fraud and removed them from the platform. It appears they have since migrated to Klarna to continue targeting victims. My case is not the first to be reported to Klarna. I am XXXX of many. Yet Klarna continues to allow this scam via the XXXX platform to be run, over and over again. 

For example, this XXXX thread highlights how the same network uses XXXX as a payment processing front to steal money from victims : XXXX XXXX XXXX Despite begging Klarna representatives XXXX allow me a way to provide clear documentation proving this was unauthorized and fraudulent, I have received evasive responses, unclear guidance, and no meaningful progress toward resolving the matter. 

I have extensive evidence ready to send for review, including : Police report filed for identity theft and fraud Reports submitted to all three major credit bureaus FTC identity theft report with case number BBB complaint - investigation in process Threatening emails from the scammers Proof of deceptive trade practices as defined in DTPA Section XXXX XXXX final report of fraudulent charges from this merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reviewed my credit report with TransUnion and found inaccurate personal information being reported under my file. Specifically, TransUnion is showing incorrect name variations ( XXXX XXXX and XXXX, XXXX, XXXX ) that do not belong to me, and outdated addresses in XXXX XXXX  that I have not lived at for years. My correct legal name is XXXX XXXX and my current and only valid address is XXXX XXXX XXXX XXXX XXXX XXXX 

These inaccuracies are harmful because they create a risk of misidentification, failed identity verification checks, and damage to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 15 U.S.C. 1681i ), TransUnion has a duty to ensure all information in my consumer file is accurate, complete, and verifiable. By continuing to report outdated and false personal data, TransUnion is in violation of federal law. 

I have already provided supporting documentation ( government-issued ID, utility bill, bank statement, and phone bill ) that clearly verifies my correct identity and address. Despite this, TransUnion has failed to correct these inaccuracies, leaving me exposed to unnecessary risk and ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: DE

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
My employer transmitted a direct deposit on Wednesday, XX/XX/year> of the amount of {$3300.00}. Based on consistent payroll history, these funds are typically deposited and available by the following Friday, which would have been XX/XX/year>. This is a recurring payroll deposit from a verified employer, and I have maintained a consistent employment and banking history for more than two and a half years without issue. 

As of today, Tuesday, XX/XX/year>, the funds have still not been posted to my account. I have contacted the banks support team multiple times to inquire about the delay, including calls on the following dates : Friday, XX/XX/XXXX Saturday, XX/XX/XXXX Monday, XX/XX/XXXX Tuesday, XX/XX/XXXX Despite these efforts, I have not been provided with a clear reason for the hold, nor a specific timeline for resolution. A bank manager informed me on tuesday XX/XX/year> that the system is backed up, but this explanation lacks the transparency and specificity I believe Im entitled to as a customer. At no point was I informed of an issue with the deposit itself, nor was I told that any further documentation or action was required on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX  for food through their app using my Cash App card ( XXXX  XXXX  ). The total charge was {$14.00}. 

When I arrived at the restaurant, they informed me that they could not locate my order. I contacted XXXX customer support, and they admitted they could not find the order. Instead of refunding me, they only offered a {$15.00} coupon, which I declined. I wanted my money back since I never received the food I paid for. 

I then filed a dispute with Cash App for the unauthorized/failed transaction ( Case # XXXX ). Despite submitting supporting evidence, including screenshots of my conversation with XXXX support and their email acknowledging they could not find my order, Cash App denied my dispute twice. They claimed it was an authorized transaction and no error occurred. 

Why this is unfair : This was a paid order that I never received. 
The merchant acknowledged the failure and admitted they could not locate my order. 
Instead of providing a proper refund, they attempted to offer me a coupon, which does not restore my lost funds. 
Cash App sided with the merchant even though the goods/services were never provided. 

Desired resolution : I am requesting a full refund of {$14.00} for the transaction on XX/XX/year>, as I never received the food I paid for. I also request that Cash App and the merchant be reminded of their obligation under consumer protection and payment dispute laws to refund consumers when services are not rendered. 

Supporting Evidence ( attached ) : Screenshot of XXXX support chat where they admitted they could not locate my order and only offered a coupon. 
Screenshot/email from XXXX ( XXXX, XX/XX/year> ) confirming they could not fulfill the order and again only offered a coupon. 
Cash App dispute denial letter ( Case # XXXX ) stating they refused my dispute despite clear proof I did not receive the goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. 

XXXX XXXX  XXXX Credit Card This is how it appears in the report Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. 

XXXX XXXX XXXX Credit Card This is how it appears in the report 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a freeze on my account with Experian and I want it removed. My account phone number is not correct, so I can not remove it using the online process because verification is only available through a phone call/text. bI have called all numbers and used all prompts available and can not reach anyone by phone. I mailed an overnight letter on XX/XX/year>, provided all required documentation ( Name, Social, Address, DOB, Driver 's licence, Utility Bill ) requesting to update the phone number AND remove the credit freeze. They did not remove the freeze or update my phone. They wrote " Your personal credit report already displays a security freeze ''.

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 2025-09-16 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: RI

Complaint narrative:
I visited XXXX XXXX on XX/XX/year>, to explore vehicles and financing. I was assured multiple times that the credit check would be only a soft inquiry. Based on that assurance, I provided my personal information. 

However, my Experian credit report clearly shows that XXXX XXXX performed a hard inquiry on that date. A hard inquiry can lower your credit score and stays on your report for up to two years.

Since then, I have tried calling the dealership multiple times. Most calls went unanswered, and when someone did pick up, I was told Id get a call back but no one ever followed up. Instead, I was repeatedly transferred or brushed off without resolution. 
After providing my personal information, they did a hard pull and assured me multiple times thats its a soft pull, i didn't authorize a hard pull to be done and told them i don't want a hard pull on my credit.

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 2025-09-16 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: SC

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 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 2025-09-16 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: OK

Complaint narrative:
hi my name is XXXX XXXX XXXX and i noticed these fraudulent accounts still reporting on my credit report, these accounts do not belong to me and i would like them removed immediately!

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 2025-09-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I am filing this formal complaint against a debt collector for unlawful reporting of a negative item on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

This collection account is currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA. 


Failure to Validate the XXXX XXXX law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. 2001 ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA. 


Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this debt collector to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful.

Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked. 


Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with explanation