vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had two fraudulent charges to XXXX. You can clearly tell it is fraud as they charged two small amounts first and then two large amounts reaching my daily limit. After the daily limit was reached the charges for less and less continued but were declined. Even after I discovered the issue and contacted the bank they was one more attempt. The fraud department says they have concrete evidence it was not fraud. I contacted XXXX  and they stated that the transactions were associated with someone elses account but due to privacy laws they can not help me any further. I provided my data from that time frame you can see I was not even on my phone from XXXX on the XXXX XXXX on the XXXX when I saw the notices from the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
In XX/XX/year>, I purchased a XXXX XXXX XXXX from XXXX using Klarnas installment plan. The TV arrived broken. XXXX sent me a replacement TV, which also arrived broken. 

XXXX scheduled freight pickups through their carriers ( XXXXXXXX ) for both TVs. I returned both TVs exactly as directed. The original TV return shows confirmed delivery to XXXX XXXX, Indiana return center on XX/XX/year>, which I have proof of. 

However, XXXX failed to generate or provide a tracking number for the replacement TV return. Because of this internal mistake, XXXX system does not show that the replacement TV was returnedeven though it was picked up by their carrier as part of the return process. I have repeatedly contacted XXXX ( over 30 times via phone, chat, and email ) to resolve this issue. I have provided all evidence and requested internal confirmation, but they continue to tell me they can not help, and they now claim I am still in possession of the TV, which is false. 

Klarna refuses to close the balance until XXXX confirms the refund, despite me providing repeated proof that XXXX received the original TV and created the second return. Klarna keeps demanding documentation that XXXX is refusing to provide. Klarna has also told me they will reactivate my payments, meaning I will be charged for an item I do not have and returned months ago. 

Both XXXX and Klarna are placing financial responsibility on me for their internal failure to generate the tracking for the replacement TV return. I have exhausted every option to resolve this directly with both companies. 

I am seeking the CFPBs assistance to : 1. Require Klarna to close the balance and stop all collection attempts.

2. Require XXXX to acknowledge the return of the replacement TV and issue the refund to Klarna. 

This situation has caused months of stress, dozens of phone calls, and absolutely no resolution due to failures on both companies sides. I am asking for intervention because I can not get either company to address the issue despite providing substantial evidence and making every effort to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
ive reached out several times to this company to inform them that its not my account and i have no knowledge of it, i just keep seeing it pop up on my credit report. they said they confirmed its my account because the phone number and address is the same as mine, but ive never provided that information to them so how would they know. they just keep ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Early Warning Services, LLC
State: IA

Complaint narrative:
I received a credit alert from XXXX XXXX. The following inquiries currently listed and showing on my Early Warning Consumer Report is fraudulent and unauthorized : XXXX XXXX, XX/XX/2025 and XXXX XXXX, XX/XX/2025. The inquiries are not my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-25 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Credit Bureau Information TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Deletion of Unverified Accounts FCRA Section 611 Dear TransUnion Dispute Department , I am formally disputing the following entries on my credit report as inaccurate, incomplete, and unverifiable. This dispute is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 611.

My identifying information is : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( last four digits ) : XXXX TransUnion File Number : XXXX Disputed Accounts and Reason for Deletion I demand the immediate deletion of the following accounts because they are negative, damaging, and can not be substantiated with complete and verifiable documentation from the original source, as required by law.

Creditor Name Account Number ( Last 4 Digits ) Reported Status Reason for Dispute/Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off ( C/O ) Unverifiable source documents for full account history and terms. 
XXXX XXXX XXXX XXXX XXXX XXXX  Charged off ( C/O ) Unverifiable original contract/business liability. 
XXXX XXXXXXXX XXXX XXXXXXXX / XXXX XXXXXXXX ( Both accounts ) Charged off ( C/O ) Failed to provide full audit trail/source documents. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged off ( C/O ) Failed to provide complete and accurate data required for verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delinquent/Past Due Status/payment history is unverifiable against source documents.

Demand for Reinvestigation You are legally required to investigate the accuracy of this information with the data furnisher within 30 days.

In this investigation, you must use the complete and original source documents that establish the account 's validity, including the original signed contract, detailed payment history, and transfer documents. A mere re-reporting of the same data by the furnisher does not constitute a valid verification.

If the listed accounts can not be verified as accurate and complete within 30 days, or if the furnishers fail to provide the required source documents, you must permanently delete the disputed information from my credit file immediately.

Enclosed are copies of my identifying documents. I expect written notice of the results of your reinvestigation, and if deletion occurs, a corrected copy of my consumer report, within the statutory time frame.

Sincerely, 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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: WV

Complaint narrative:
To whom it may concern, Im reaching out because my checks keep getting declined whenever I try to cash them at XXXX or XXXX, even though Ive never had this problem before. I havent received any explanation from Certegy about why this is happening, and its become a major inconvenience for me.

I really need to be able to use this service, so Im asking for your help to resolve whatever is causing these declines. Can you please review my account and let me know what I need to do so I can cash my checks at XXXX or XXXX again? 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I notice that several accounts are reporting on my credit file at no beknownst to me. I truly need your assistance in getting these account removed from my credit report. These accounts are reporting as a result of identity IDIQ NOT MY ACCOUNTS : XXXX  XXXX - {$10000.00} ( XXXX XXXX XXXX ) XXXX - {$1400.00} ( XXXX XXXX XXXX ) JPMCB - {$4900.00} ( XXXX XXXX XXXX  ) XXXX XXXX XXXX {$0.00} ( XXXX XXXX XXXX ) XXXX - {$2900.00} ( XXXX XXXX XXXX ) JPMCB - {$2600.00}. ( XXXX XXXX XXXX ) XXXX - {$14000.00}. ( XXXXXXXX XXXX XXXX ) XXXX XXXX  - {$6400.00}. ( XXXX, XXXX XXXX ) XXXX XXXX - {$6100.00}. ( XXXXXXXX XXXX XXXX  ) XXXX - {$8000.00} ( TXXXX XXXX ) XXXX  - {$21000.00} ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LEXISNEXIS
State: NY

Complaint narrative:
Lexus Nexis keeps reporting fraudulent account information about me to all credit bureaus. I recently found false insurance information being reported on my Lexus Nexis report. I contacted XXXX XXXX and found out that four fraudulent insurance policies were opened in my name. I also found collection accounts reported on the credit bureaus, as a result of the fraud. Lexus Nexis keeps verifying as accurate despite support I'm receiving from the original creditor. Lexus Nexis is also reporting a fraudulent connection between my XXXX XXXX XXXX and a XXXX XXXX XXXX that I have never filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute a late payment that you have reported on my account number XXXX. I believe the late payment entry is inaccurate and that the required legal standards for reporting such information were not met.

Under 15 U.S. Code 1681a ( 2 ), a consumer report does not include information that reflects solely transactions or experiences between a consumer and the person furnishing the information. If the alleged late payment is based on such internal transactions or experiences, it should not have been reported as part of my consumer credit file. Additionally, under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported must be accurate, complete, and properly verified.

If XXXX XXXX XXXX can not provide documented proofincluding evidence of mailing or delivery of any required noticesthen the reported late payment is unverifiable and must be removed. Failure to delete unverifiable information would be a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverified information to the credit reporting agencies.

I request that you delete the inaccurate late payment from all reports you furnish to any consumer reporting agency. Please provide written confirmation that this information has been corrected or removed.

Thank you for your prompt attention to this matter. I look forward to your response and confirmation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief