vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/year> I was approaching a XXXX. There were XXXX men and XXXX woman asking for donations. They were very aggressive and blocked my entry into the store asking for my time. They asked for donations for a funeral. I said I would consider it, but didnt fully agree. The man mentioned I need a credit card and my phone and a link would be sent to my phone to donate myself. I had my card and phone in my hand and awaited the link to determine if I wished to proceed and if it was a valid transaction. The man grabbed my phone and credit card out of my hands and claimed he would do it. I immediately began causing a scene demanding my things back and said I no longer wish to donate, revoking any form of consent. The other XXXX individuals grabbed me and were physically restraining me from lunging at the man to take back my phone and card. He eventually gave my stuff back and they all immediately ran away after charging {$10000.00} to a steel company that I have never heard of and isnt even in the same state. I called Discover immediately after it happened and filed a police report and the local police department. Discover has denied my claim twice, claiming that because of the mere fact that I interacted with them at all holds me liable even though my stuff was taken and I never saw the actual transaction and I revoked any consent. I was also physically restrained. I spoke to a supervisor and they stated that theft would be considered fraud, but even though my stuff was taken from my person without my permission, this is not considered fraud because I was interacting with them. Fraud doesnt require only impersonation or stolen identity it also includes unauthorized use of my card. Revoking consent before or during the transaction, especially while physically trying to stop it, invalidates any supposed permission. The fact that they physically had to give me my phone back after a struggle suggests coercion or deception. From Discovers site on scams vs fraud : Scams are theft of funds with your participation or permission, while fraud is financial theft without your participation or permission. I never gave them permission to use my card or process a transaction. I was never even shown a transaction and my belongings were forcefully taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
requesting XXXX that was filed with IRS from CITICARDS CBNA for " CHARGED OFF '' ACCOUNT # XXXX According to the IRS manual charged off account are required to have XXXX filed due to the account being reported to the IRS as INCOME. 
The XXXX form was never received from CITICARDS for this 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 2025-06-09 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under XXXX XXXX. XXXX : - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-06-09 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: CA

Complaint narrative:
I am a XXXX of Identity Theft Fraudulently opened account- XXXX XXXX XXXX - XX/XX/year> - XXXX Fraudulent Inquiries- 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
Consumer complaint received 2025-06-09 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 a XXXX of Identity Theft Fraudulently opened account- XXXX XXXX XXXX - XX/XX/year> - XXXX Fraudulent Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: KS

Complaint narrative:
Please see the list of fraudulent inquiries and accounts below : XXXX | XX/XX/year> : XXXX | XX/XX/year> : I do not recognize the XXXX inquiries listed above. Please delete them from my credit report today! 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these accounts are pure identity theft and wrong. Please Delete them from my credit report today! 
To protect myself from further harm, I filed a Report to the FTC. I also provided you with copies of my social, current address and license. According to FCRA-605B, these items should be removed when I sent all the reports and information in, after XXXX  days, so I am following up to request they be removed immediately. What is your process for handling these situations? Send me an updated credit report after removing the items and the steps you take to handle these situations, please. 
Thank you. 
A copy of My ID, passport and Proof of Address can be found with this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TN

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-09 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: Paypal Holdings, Inc
State: PA

Complaint narrative:
I use my venmo account for online gaming and to send money to my kids if needed. That's what I've always used it for and never had any problems until XXXX when I woke up and couldn't access my XXXX balance and my app said in red letters that my account was suspended due to suspicious activity. I immediately contacted them to see what the issue was but you cant speak with anyone in that department other than responding to emails. They said that my ID needed to be uploaded along with a selfie, so I immediately did. My XXXX XXXX had a change to my address so the XXXX sent me a printed update card to carry with my photo ID to show the change. When they did they extended my exp date to renew and the new date is on the card which I explained and sent along with the other photos. Venmo apparently doesn't care to verify XXXX  policies at the XXXX. I guess it's easier for them to stop responding to me and keep my money because today is the XXXX and my money is still locked and they are no longer responding to my emails. I hope I can charge them intrest for them borrowing my money without my permission. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I discovered an unauthorized hard inquiry on my credit report from CBNA that I did not request or authorize. 

I have never applied for any credit product, loan, or service with CBNA or any company that would result in CBNA pulling my credit report. I did not give permission for this credit inquiry to be conducted, nor was I contacted by CBNA or any affiliated company requesting authorization to check my credit. 

This unauthorized hard inquiry appeared on my credit report without my knowledge or consent. Hard inquiries can negatively impact credit scores, and this inquiry was conducted without any legitimate business purpose or my authorization. 

I immediately disputed this inquiry with the credit bureau but the inquiry remains on my report. I have no record of any communication, application, or business relationship with CBNA that would justify this credit check. 

I am requesting that CBNA provide documentation showing they had permissible purpose to pull my credit report, or remove this unauthorized inquiry 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
In XX/XX/XXXX, I took out a loan from 1st Franklin Financial Corporation. In XX/XX/XXXX, the company claims I entered into a renewal, but the records are inconsistent and misleading. The alleged renewal included a new account number, inflated balance, and no clear evidence of a new disbursement. The documents say I received {$3000.00}, but their payment ledger shows only {$500.00} paid to the original loan on the same date. No other amount was issued directly to me. 

They reported the renewed loan as a new tradeline with no disclosure of the overlap or the accounting involved. This resulted in dual tradelines tied to the same debt, reported inconsistently across credit bureaus. XXXX appears on XXXX, the other does not show up on XXXX. There was no full disclosure of this duplicate reporting or the rollover process. 

Then in XX/XX/XXXX, a judgment was entered against me in XXXX XXXX, XXXX XXXX {$2000.00}. XXXX began garnishment proceedings against my employer to collect the debt. Despite this, the company never updated or corrected the reporting. They failed to disclose the judgment and garnishment in their CFPB response and continue to let the account report inaccurately. 

This creates the false appearance of an open or unresolved balance, violating FCRA XXXX ( a ) ( XXXX ) and Truth in Lending obligations. It misrepresents the debts status, causes ongoing credit harm, and contradicts the companys own claim that the account was paid and written off. 

Im submitting my updated rebuttal, contracts, and court records showing the misreporting, mismatched balances, and garnishment. This account should be fully investigated, removed, or suppressed due to deceptive renewal practices, post-judgment concealment, and continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: Klarna AB
State: LA

Complaint narrative:
I made a purchase using Klarna ( Order # XXXX ) for {$430.00} from XXXX XXXX. The package was scheduled for delivery on XX/XX/year> at XXXX AM, and XXXX confirmed it was delivered with a photo. 

I do not dispute that the package was delivered. However, by the time I went to retrieve it, the package had been stolen. I contacted both the seller ( XXXX ) and the shipping carrier ( XXXX ), but they both denied responsibility, citing the delivery photo as sufficient proof. 

Despite providing Klarna with this information and explaining that I never received the item, my dispute and appeal were both denied, and I am now being forced to pay the full amount for a product I never received. 

I am requesting the CFPB to review this matter and assist me in having Klarna either reopen the case or issue a refund, as this is an unfair and unethical outcome for a stolen package that was never in my possession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-09 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: NC

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-06-09 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: MI

Complaint narrative:
The creditor is reporting false information on my credit report. Experian and Transunion is currently reporting an account that was closed in XXXX  as active and open. This account should not still be on my credit report as it is older than 7 years old and should be closed. The account is reflecting incorrect derogatory on my credit report and should not be on the report. The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. I have requested that the inaccurate information be removed from Experian and Transunion, but the inaccurate information still remains on my credit report as of XXXX. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust in the credit reporting system. Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall mental health.

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