vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: TX

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 : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$830.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a formal dispute letter to Experian, including copies of my photo ID, Social Security card, and a recent bill displaying my current address to fully verify my identity. In this dispute, I specifically requested that Experian provide detailed information regarding its reinvestigation process, including the method used to verify the disputed item, the date Experian contacted the creditor or furnisher, the contact information of both parties, the name of the individual who verified the item, the communication method used, and confirmation of whether any of my sensitive personal datasuch as my Social Security number, address, or date of birthwas shared during the verification process. 
Despite providing Experian with all required documents and clearly outlined requests, I received a letter dated XX/XX/year> stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This response is both inaccurate and unacceptable, as Experian received my dispute directly with all supporting identity documentation enclosed. By refusing to conduct a reasonable investigation or even acknowledge a valid consumer dispute, Experian has willfully disregarded its obligations under Section 611 of the FCRA.

Experians failure to investigate and provide the requested verification details has left inaccurate information on my credit report, causing ongoing harm to my creditworthiness and financial stability. This conduct not only violates my consumer rights but also demonstrates a pattern of disregard for compliance, exposing Experian to liability under the FCRA for its deliberate failure to uphold federal law. Attached are copies of my original dispute letter and Experians response to substantiate 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 2025-08-27 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

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 : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 explanation
Consumer complaint received 2025-08-27 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: Klarna AB
State: TX

Complaint narrative:
I added {$60.00} to my Klarna balance. 
Klarna wont give you access or refund. 
my bank wont dispute it. 
Funds are being held without your consent/ability to use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX  XXXX Code XXXX 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 XXXX XXXX XXXX XXXX  ( XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2025-08-27 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Incorrect Information on My XXXX  Report Identity Theft I am submitting this complaint because Early Warning Services ( XXXX  ) is reporting inaccurate and unfair information on my consumer report related to fraudulent activity that I did not authorize. 

In XX/XX/XXXX, unauthorized wire transfers were made into and out of my XXXX  XXXX XXXX checking account without my knowledge or consent. I was outside of the United States from XX/XX/XXXX through XX/XX/XXXX, as proven by my flight records, and therefore could not have initiated or known about these transactions. I only discovered the fraud upon returning to the XXXX in XX/XX/XXXX. 

As soon as I became aware, I filed both a police report and an FTC Identity Theft Report, confirming that I was the victim of identity theft. I submitted this documentation to both XXXX  and XXXX. XXXX  reviewed the same evidence and removed the negative item from my record, but XXXX  refused, choosing to rely solely on XXXX  XXXX XXXX response. 

This refusal constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy and completeness of consumer information. XXXX  decision has harmed my ability to open and maintain bank accounts, despite clear and verified evidence that I was the victim of identity theft. 

Requested Resolution : Remove the fraudulent/suspicious activity notation from my XXXX  file. 

Correct my report to reflect the same accurate correction already made by XXXX. 

Supporting Evidence Attached : Identity Theft Report.pdf FTC Identity Theft Report filed XX/XX/XXXX. 

Police_Report.pdf Police report confirming identity theft. 

My Flight Info Outbound.pdf and My Flight Inbound.pdf Proof I was outside the United States from XX/XX/XXXX through XX/XX/XXXX. 

XXXX  Report.pdf XXXX of my XXXX  file showing the negative fraud notation. 

Supporting Doc From XXXX XXXX XXXX acceptance of my dispute and removal of the same reporting. 

XXXX  Dispute Reason.pdf My original dispute submission to XXXX, demonstrating that I provided the proper evidence which was ignored. 

Given the strong evidence of identity theft, my verified absence from the country at the time of the transactions, and the fact that another consumer reporting agency ( XXXX  ) corrected the same issue, I respectfully request CFPB intervention to ensure XXXX complies with the FCRA and removes this inaccurate information. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: First Technology Federal Credit Union
State: MI

Complaint narrative:
On XX/XX/2025, a charge of {$690.00} appeared on my First Tech Federal Credit Union credit card ending in XXXX from a merchant listed as XXXX XXXX XXXX. I do not have any agreement, authorization, or business relationship with this company. This was an unauthorized transaction. 

On XX/XX/2025, I submitted a formal dispute to XXXX XXXX ( Claim XXXX ). XXXX XXXX initially provided a provisional credit but later reversed it, stating that they were unable to continue pursuing the claim. On XX/XX/2025, I received a letter from XXXX XXXX closing the dispute and denying further review. 

I have requested documentation that XXXX XXXX relied on in making their decision, but the response I received simply closed the case without providing merchant evidence or proof of authorization. 

This failure to investigate violates my protections under XXXX XXXX ( Truth in Lending Act ), which requires the card issuer to investigate and resolve unauthorized transactions. XXXX XXXX has not fulfilled their obligation to protect against fraud on my account, leaving me liable for an unauthorized charge of {$690.00} plus interest and fees.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have received and seen on my credit report items that are not mine and i have disputed these transactions. I need to file a police report. I had no idea any of these were on my credit report until I looked at my credit report and my credit is bad.

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 2025-08-27 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-08-27 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: MS

Complaint narrative:
Subject : Follow-Up Complaint : Equifax Failed to Remove Included in XXXX  Notations After Deleting XXXX  Record on my XXXX XXXX account, and I have 0 % left to pay on this loan, also I have made 100 % of payments for this account on time. 

To Whom It May Concern, I am submitting this follow-up complaint regarding Equifaxs handling of a dispute I previously filed concerning the reporting of a XXXX  on my credit file. 

Equifax has removed the XXXX record itself from my credit report. However, they have failed to remove the associated Included in XXXX  notations from the current status and worst status fields on my XXXX XXXX account account, and I have 0 % left to pay on this loan, also I have made 100 % of payments for this account on time. This incomplete correction continues to misrepresent my credit history and undermines the accuracy of my report. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information furnished is accurate and complete. By deleting the XXXX  but leaving residual indicators that imply its existence, Equifax is presenting misleading and contradictory information that may negatively impact my creditworthiness. 

Details of the Issue : Original XXXX  Record : Deleted by Equifax Remaining Errors : Included in XXXX  still listed under current and worst status on XXXX XXXX account and account, and I have 0 % left to pay on this loan, also I have made 100 % of payments for this account on time. 

Impact : Misrepresentation of account status and continued harm to credit profile I am requesting that the CFPB investigate Equifaxs failure to fully correct the disputed information and compel them to : Remove all Included in XXXX  notations from XXXX XXXX account after the XXXX  record has been deleted. 

Confirm the correction in writing. 

Review their internal procedures to prevent partial or misleading updates in future disputes. 

Thank you for your continued attention to this matter. I am available to provide additional documentation or clarification as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because there is inaccurate, incomplete, and unverified information being reported on my credit profile. Despite prior written disputes sent to the credit reporting agencies, the accounts in question continue to be reported without proper validation. 

I request that the Consumer Financial Protection Bureau investigate this matter, require the furnishers to provide complete documentation to substantiate the reporting, and ensure that any inaccurate or unverified information is corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

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