vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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:
Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I discovered several accounts that appear to be inaccurately reported, outdated, or can not be verified. These entries are adversely affecting my credit score and do not accurately reflect my actual credit history. Despite my efforts to resolve these discrepancies with the credit bureaus, I have not received sufficient validation, verification, or correction of the questionable items. 

The problems identified include : Charge-off accounts listed without proper documentation or evidence to substantiate their validity. 

Duplicate accounts reported across multiple credit bureaus with conflicting information. 

Accounts still showing late payments or delinquencies even though they were fully paid, settled, or are currently in good standing. 

Accounts I did not authorize or which do not correspond with my known credit activity. 

Accounts marked as dispute resolved consumer disagrees without providing the requested supporting records. 

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting disputes, but no satisfactory resolution has been provided, and unverifiable accounts remain on my reports. These inaccuracies are preventing me from obtaining necessary financial services, including housing and auto loans, and are causing undue harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My specific complaint is about Citibank. I opened up a Citibank Best Buy card over a year ago. Up to this day, I have still not received a card. I have not even been able to use the card in Best Buy in the app. When I talk to them months ago. I asked that they close the card because they were being difficult when I was trying to get the situation figured out. Up to this day it still shows up on my credit report as an active account. I tried to resolve this with several different people in their customer service team and Ive been hung up on a few times. Every time I talk to them, they say that they have no record of the account at all, even though it clearly still shows up on my credit report every XXXX days. Even when I signed up, I never got any information regarding the account itself. Im just really tired of dealing with this so Im hoping I can either get a physical card so I can use it or have the account canceled altogether.

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 2025-12-15 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:
I am submitting this CFPB dispute regarding inaccurate and incomplete information on my TransUnion credit report. I am requesting that the items in dispute be corrected or deleted in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts I dispute the following accounts due to incorrect balances, dates, or status : XXXX Acct XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX Acct # XXXX, Opened XXXX XX/XX/XXXX, Balance : {$2200.00} XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX  Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX Card Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$610.00} XXXX dispute the reporting of these accounts and request that they be validated or removed if no valid proof of accuracy is provided. 

Inquiries I dispute the following inquiries due to lack of authorization : XXXX XXXX XXXX Date : XX/XX/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 2025-12-15 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: CA

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 : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
These addresses do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Ks XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl XXXX XXXX XXXX  XXXX  XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am writing to dispute the inaccuracies on my credit report related to the following accounts. These accounts are inaccurately reported and I request a thorough review and correction of these items. Below are the details of the accounts in dispute, separated by bureau. 

EXPERIAN Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$59.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : 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 explanation
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts and inquiries on my credit report. The details of the disputed items are as follows : Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$16000.00XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Late Payments : 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 2025-12-15 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:
I am filing this complaint as a consumer disputing inaccurate and unverified information Experian is reporting on my credit file. I am requesting a lawful reinvestigation in compliance with the Fair Credit Reporting Act. 

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX  Acct XXXX XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$4500.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$50.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$240.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$2400.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX opened XX/XX/XXXX, balance {$29000.00} XXXX XXXX  Acct # XXXX XXXX XXXX XX/XX/XXXX, balance {$770.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$940.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$1300.00} XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$840.00} XXXX XXXX XXXX Acct # XXXX, opened XX/XX/XXXX, balance {$500.00} I dispute the accuracy of the balances, dates, ownership, and charge-off status of these accounts and request documentation proving they were properly verified. 

Hard Inquiries Experian is reporting inquiries that I do not recognize or authorize, including : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) I am requesting proof of permissible purpose for each inquiry or immediate removal.

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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
SEQUIUM is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The current information that's on file is inaccurate. 
name, address and phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-15 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: NC

Complaint narrative:
I am writing to dispute the following accounts and inquiries appearing on my credit report. These entries are inaccurate and I respectfully request that they be corrected or removed as necessary. 

Charged Off : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a phone call from a long distance number i answered and the lady asked if i opened a bank account with frost bank, i told her no i did not i bank with XXXX and XXXX, she said okay someone has opened an account under your information. She gave me this website/number to report. I then received a letter in the mail a bank statement from frost bank and deposits/credits and withdrawals i did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: OH

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
Experian is reporting consumer information on my credit file despite notice that my personal identifying information may have been compromised in a data breach. Experian has a duty under the Fair Credit Reporting Act to ensure maximum possible accuracy and to prevent the reporting of information that may be the result of unauthorized access or identity-related compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am disputing the following accounts that are inaccurately reported on my Experian credit report : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Inquiries XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments 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 explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting a complaint regarding unauthorized transactions on my Klarna account, which I did not authorize, approve, or participate in. The transactions were processed through my Klarna account and linked bank accounts, including my XXXX accounts. 

The unauthorized transactions involve the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXX XXXX  to dispute all charges as well. 

Steps Taken Upon discovering these unauthorized transactions, I have : Reported the transactions to Klarna as unauthorized Filed fraud claims with XXXX XXXX XXXX  Filed an FTC Identity Theft Report Filed a complaint with the New York State Attorney General Despite submitting all supporting documentation, including Klarna transaction records, FTC and NY AG filings, and XXXX XXXX fraud claim confirmations, Klarna has failed to investigate or reverse these charges. 

These charges are the result of identity theft and account takeover Klarna has not adequately investigated or reversed the unauthorized transactions Multiple unrelated merchants indicate fraudulent activity, not authorized use Federal consumer protection and identity theft laws require that these transactions be treated as unauthorized once documented Harm Experienced Financial loss from unauthorized Klarna and XXXX-funded charges Significant time and effort spent disputing fraud Emotional distress due to unresolved identity theft Risk of account limitations, collections, or negative credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was over drawn {$72.00} for the transactions of amounts {$40.00} and {$50.00} to XXXX with instant transfer when my account had funds and I had not overdrawn my account until I made the {$270.00} transaction. Not only was my account not overdrawn at the time of those transactions, the transaction date provided by my region 's mobile banking app was also incorrect. The posted date, if followed, should not have led to an overdraft charge on my account until after the {$270.00} transaction. Since it seems as if the transaction date was followed instead, not only is the overdraft charge fraudulent because their dates are incorrect, refusing to acknowledge so, is incredibly predatory. I called regions to give them the opportunity to inform me as to how this could have happened but they insisted the charges are legitimate despite my willingness to provide evidence that proves otherwise.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Had not been in my Venmo account in a long time and saw a transaction I did not recognize from XX/XX/XXXX. I know the person who received the money ( {$40.00} ) but I did not obtain any goods nor services from this person so I presumed the transaction to be unauthorized. Requested other person return my money but they refused. Subsequently Initiated a dispute with Venmo on XX/XX/XXXX which was denied minutes later. Also sent a message to my financial institution ( XXXX XXXX XXXX XXXX ) regarding this transaction.

Company response to consumer: Closed with explanation