vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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:
b'This CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n1681c2) that you, the Experian credit reporting agencys block the information appearing\non my consumer credit report that is the result of identity theft, and fraud within four\nbusiness days of you receiving this complaint. This fraudulent, inaccurateand false\ninformation consist of personal credit card accounts, auto loans, personal loansand open\nend unsecured consumer accounts as follows:\nINQUIRIESXXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  DateXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX  - Account Number: XXXX  Date OpenedXXXX XXXX XXXX XXXX Balance: XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections\nappearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in\nquestion as well as a copy of the consumer FICO credit report maintained by you which\nshows the said fraudulent items. I do not recognize these accounts, collections and hard\ninquiries as reported. The aforementioned accounts, collections and hard inquiries appearing\non my consumer credit report maintained by you were not opened, made or initiated by me.\nAll of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I\nhave attached a copy of the FTC identity theft criminal complaint case number XXXX, as\nproof from the XXXX  federal trade commission that all of the aforementioned, consumer credit\naccounts, 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 2025-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I receive XXXXXXXX XXXX XXXX XXXX. I recently changed my direct deposit to SoFi Bank. Social Security confirmed they sent my {$960.00} deposit on XX/XX/year>, but SoFi has not credited the funds to my account. This delay is causing me to be late on my rent and is creating extreme financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion wont provide credit report. Never arrives by mail even after speaking with agents. Website tells me to order it by phone or mail, I called twice today and another time like 2 weeks ago. Issue never fixed. Can not even obtain from annual credit report website because same issue appears there. No credit reports and am unable to dispute inaccuracies.

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. The required documents are enclosed to support my claim.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit 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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: SC

Complaint narrative:
Company : Klarna Inc . 

Product : Buy Now, Pay Later What Happened : I opened a dispute with Klarna on XX/XX/year> regarding a transaction with XXXX XXXX XXXX own policies state that refunds are typically processed within 14 days, and if an investigation is required, it should take no longer than XXXX days. 

It has now been nearly 4 months since I filed my dispute, and I have not received any update or resolution from Klarna. I have repeatedly contacted Klarna support through chat and email, but they continue to stall without providing a decision or refund. 

This delay is unreasonable and violates Klarnas stated refund and dispute timelines. It has also caused financial hardship, as I am still responsible for a charge that should have been refunded or resolved months ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I state that the false late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

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 2025-09-02 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-02 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: AZ

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

1681c2 ) that you, the Experian 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 : ACCOUNTS : DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 2025-09-02 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: DE

Complaint narrative:
I have disputed with the bureaus and requested validation directly. They have failed to provide documentation to support this reporting. Please read the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: DE

Complaint narrative:
I have disputed with the bureaus and requested validation directly. They have failed to provide documentation to support this reporting. Please read the attached documents

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 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am submitting this formal complaint to dispute a fraudulent accounts that has appeared on my credit report as a result of identity theft, which I believe is tied to a recent security breach involving my personal information. 
My identity was compromised in a data breach, and since then, I have identified fraudulent activity on my credit report, including accounts that I did not open, authorize, or have any knowledge of. These accounts are negatively impacting my credit and personal finances. I did not do owe any debt to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: OR

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

1681c2 ) that you, the Equifax 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 : INQUIRIES : XXXX XXXX Date : XX/XX/year>2024 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 as proof from the XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I filed my original complaint ( # XXXX ) again

st Caine & Weiner Company , Inc. for reporting an alleged debt without providing proper validation. In their response, they claimed we believe we have the correct information but provided no documentation or evidence of a proper investigation. Their reply was submitted within only two days, which makes it impossible that a full investigation or document review was conducted. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires full validation, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits inaccurate reporting. I am attaching my original complaint letter and my follow-up letter for reference. Please see the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Last year XXXX my dad came from another XXXX  and wanted a XXXX card while he was visiting the XXXX. So he we went to XXXX where he could get a temporary XXXX card so he could use the internet and make calls. But the XXXX employee misunderstood and thought he wanted a new line in my name since Im the XXXX XXXX however once figuring out thats not what we wanted he canceled the line and stayed on the phone with XXXX XXXX XXXX until they assures him the line was canceled and I wont have to pay them anything. Later on sometime in early XXXX  not sure specifically when another XXXX XXXX XXXX employee reached out to me to ask about the money I owe for a line that was closed I explained the situation to her then she assured me that I wouldnt have to pay since she can see the line was opened and closed on the same day and shell make a note in my file and bring it to her higher ups.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal dispute concerning a fraudulent account included in my credit report. I have no knowledge of this account, nor did I authorize its creation. The reporting is false and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Opened mortgage loan XX/XX/XXXX under a company they acquired XXXX by NewRezLLC aka Shellpoint Mortgage. Started inquiries about balance in XX/XX/XXXX with XXXXNo response. They sold accounts to Shellpoint in XXXX -- mine in XXXX. Shellpoint states they do no or can not find records of the payments prior to XXXX when they inherited the account. They bought the company and I've had a series of run arounds from offshore XXXX customer service XXXX ( XXXX, XXXX and XXXX -- whom all refused. Told I would be receiving a call from a XXXX XXXXXXXX XXXX  supervisor. No call ) XXXX XXXX rep who told me to file to Shellpoints online portal again of the issue ) who verbally to escalate my call to a supervisor I submitted another online ( XXXX ) concern to Shellpoint regarding the matter. Received autogen letter. I recently sent XXXX certified letters XX/XX/XXXX to Shellpoint in XXXX XXXX XXXX XXXX XXXX XXXX. No answer. Return postcards signify they were signed for. My XXXX  years is up and I'm and seeking my house title and a resolution/answer to their mistake. The back and forth started with XXXX. I've been inquiring about this {$19000.00} principal that never received the applied payments deducted from the prior company that THEY purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX i received an email saying i owe mcm this is my first email but they claim it to be the second, Mcm will not talk to me about the debt they claim I owe they keep saying they cant confirm its me there talking to them hang up on me, I can not get them to answer any questions about the baby and even had them tell me to sue them if I wanted, I tried calling on XX/XX/year> XXXX after asking for a manager he told me I should take legal action as without accepting there terms to pay off the debt he can't talk to me about the debt, I did speak to one of there reps XX/XX/year> at XXXX after repeating calls and when I disputed that I owed anyone any mo at she said ok we will wipe it from our systems and telling me not in theses words but not to worry about any further emails as they are automated but the last email says they will be getting an attorney to take this to court to collect on the debt they won't give me any information on as the dentist only approved me for {$2100.00} but there claiming I owe {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX at XXXX, I attempted to purchase virtual currency for a game but instead I received a notification that it was suspicious activity detected on my account. In the morning of Monday the XXXX, I reached out to my bank and was told that I have to send ID verification and I did that. The next day which is Tuesday, I wake up to an account closure letter and when I call support, theres no reason given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Your Account Number XXXX Account Name and Balance : XXXX XXXX XXXX XXXX  {$400.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation