vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: FL

Complaint narrative:
I am the victim of identity theft, and Leafy Financial , LLC is attempting to collect a debt of {$3600.00}, that I did not authorize, open, or benefit from in any way. I have notified the company multiple times that this debt is fraudulent and have even filed and provided a police report regarding the identity theft. Despite this, Leafy Financial has continued to contact me and report this account to the credit bureaus. I am a financially responsible individual and take pride in maintaining good credit. It is upsetting to see that effort compromised by this fraudulent debt because this unprofessional company lacks empathy. Their actions show a complete disregard for consumer protection laws and for victims of identity theft. I have acted responsibly, providing documentation and clear communication, yet they continue their collection efforts. This has caused unnecessary stress and damage to my credit standing, therefore, negatively
impacting my future financial success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
THE ACCOUNT IS LISTED AS PAST DUE 30 DAYS ON XX/XX/year> AND PAST DUE ON XX/XX/year> BUT THE ACCOUNT WAS PAID IN FULL AND CLOSED ON XX/XX/year>. THE ACCOUNT WAS PREVIOUSLY PAID ON TIME THE WHOLE TIME. THE PAST DUE DATES NEED TO BE REMOVED FROM THE REPORT AS THE ACCOUNT WAS PAID IN FULL AND CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2025-11-06 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-06 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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evans & Mullinix, PA
State: MO

Complaint narrative:
I am submitting this formal complaint concerning a debt-collection matter currently being pursued against me in XXXX. The actions of the collector appear to violate both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and have resulted in the unlawful garnishment of my bank account.

________________________________________ Background The company Evans & Mullinix filed a claim against me and allegedly obtained a judgment dated XX/XX/2025. 
I was never properly served or notified of this court action and therefore was denied my right to due process.

I subsequently learned of the case only after funds were garnished from my checking account.

I immediately submitted a written debt-validation request under FDCPA 809 ( b ) / 15 U.S.C. 1692g, requesting proof of the debt, chain of title, contract bearing my signature, and an itemized account history.

To date, the collector has failed to provide proper validation and continues collection and reporting activity.

The collector has also used false and misleading representations, which constitutes violations of FDCPA 1692e and 1692f and FCRA 1681s-2.

________________________________________ Violations Alleged 1. Failure to provide validation of debt before continuing collection ( FDCPA 809 ( b ) ).

2. Use of false, misleading, or deceptive representations in connection with the alleged debt ( FDCPA 1692e ).

3. Unfair or unconscionable means of collection, including garnishment without lawful notice ( FDCPA 1692f ).

4. Complete and itemized account history, including the original balance, all payments received, fees, interest, and current balance prepared in accordance with Generally Accepted Accounting Principles ( GAAP ) and applicable federal regulations 5. Furnishing inaccurate or unverified information to consumer-reporting agencies ( FCRA 1681s-2 ).

6. Failure of due processno lawful service of summons prior to judgment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S. Code 1681a, the section of the Fair Credit Reporting Act ( FCRA ) that defines terms and rules of construction, does not directly address late payments. Instead, the prohibition against including certain transactions or experiences in a consumer report applies to late payments, as a late payment is considered a " transaction ''. Therefore, a credit reporting agency can not include information about a late payment from a lender with whom it has its own transaction. The FCRA 's rules on late payments fall under other sections, such as 15 U.S.C. 1681s-2, which mandates that furnishers report the correct date of delinquency to agencies, often after 30 days have passed.

How 15 U.S. Code 1681a applies to late payments Late payments are " transactions '' : A late payment is considered a transaction or experience, as defined by 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ).

Prohibition against certain transactions : The law states that consumer reports should not include information solely about transactions or experiences between the consumer and the person making the report.

Impact on late payment reporting : This means that a late payment, which is a transaction between a consumer and a creditor, can not be reported on a consumer report by a credit reporting agency.

Other relevant laws and rules 15 U.S.C. 1681s-2 : This law requires that furnishers of information to a consumer reporting agency notify the agency of a delinquent account. This is often done after 30 days, when the late payment will appear on the report.

Late payment reporting : When a consumer misses a payment, the delinquency date is reported to the credit reporting agency after 30 days, which will then appear on the consumer 's report and lower their credit score.

Disputing inaccurate late payments : If you believe a late payment on your report is inaccurate, you can dispute it with the credit reporting agency and/or the furnisher under 15 U.S.C. 1681s-2, which requires that the furnisher investigate the dispute and remove inaccurate information if it is found to be incorrect. For ascent funding account they have completly disregarded laws and have not removed these items they are the only bureau who did not comply, please remove and fix all reports related to ascent funding immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 requesting the investigation and correction of several items on my credit report, as outlined below. These entries are either inaccurately reported or require further validation under the Fair Credit Reporting Act ( FCRA ).

Charged Off Accounts : None at this time. 

Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX 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 2025-11-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma advertisement stated if i was not approved for any card that they recommended they would pay {$50.00}. Well I wasn't approved for the XXXX XXXX, XXXX and a XXXX card. I never received the money for the 3 denials, got my good credit dinged up, redirected and had to sign up for a money spend card with them to get it but the card has NO MONEY TO SPEND ON IT. THEY NEVER PAY. THEY REMOVE THE ADVERTISEMENT AND REPLACE IT WITH LOAN OFFERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was the victim of a scam when I received fake money orders for the sale of a vehicle, the lady from Bank of America verified that the money orders were correct and that I would receive my money in 24 hours, after 3 days I received the news that the money orders were false, I made the police report and went to the headquarters of Bank of America to make the claim, they told me that I could not make any claims since it was my responsibility to check checks and money orders, despite the fact that the Miss who attended me, I told me that everything was correct and that I would receive my money in 24 hours, after they did not take my claim after 3 days they informed me that I am banned from Bank of America and that my accounts and cards would be blocked and that there is nothing I can do.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank sent XX/XX/year> adverse-action notice claiming XXXX  hard inquiry justified 28.49 % APR increase. 

Official XXXX ( attached ) shows U.S. Banks only inquiry is soft account review XX/XX/year>. 

XX/XX/XXXX inquiry never existed notice is factually false. 

Supervisor XXXX ( recorded call XX/XX/year> XXXX ET ) refused verbal escalation and stated managers do not take calls and complaints must be written both false under Reg Z and U.S. Bank policy.

Violations : - FCRA 623 ( a ) ( 1 ) ( A ) inaccurate furnishing - Reg Z 1026.9 ( c ) defective notice ( missing bureau address/phone ) - CFPB Bulletin 2013-02 refusal to investigate disputed information Requested resolution on recorded call : - Reverse APR increase retroactive XX/XX/year> - Refund all interest charged above original rate- {$1800.00} goodwill credit ( average CFPB-ordered amount for this exact violation XXXX ) U.S. Bank has 24 hours or this complaint proceeds to formal investigation.

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 2025-11-06 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: MO

Complaint narrative:
Monday XX/XX/XXXX {$650.00} to my account on XX/XX/XXXX at XXXX PM XXXX, and then tried to pay my bill {$60.00} to XXXX XXXX XXXX it gets declined then I get a XXXX DECLINED CHARGE for {$75.00} added so I had to add more money into my cash balance once I added {$67.00} in my cash balance to cover the bill nfc charge again for now it's {$130.00} multiple transactions from Klarna took out {$370.00} XXXX XXXX XXXX XXXX pm {$290.00} your account, I can see that you transferred {$380.00} from your debit card ending in XXXX on XX/XX/XXXX at XXXX XXXX but then I can confirm that you transferred {$320.00} to your savings balance from your XXXX  XXXX  balance on XX/XX/XXXX at XXXX I was told I only had {$65.00} in my account before my husband sent {$500.00} XXXX then had to add more money {$360.00} into my cash balance from my savings so what happened to the rest of my money Your balance before the {$500.00} you received on XX/XX/XXXX at XXXX XXXX was {$65.00} Klarna needs confirmation from  XXXX to release my refunds Here is the klarna Order Reference Number XXXX please submit they have found a issue with there department From XXXX international transfer immitted UnAuthorized charges they are willing to refund me all my money XXXX but needs confirmation from XXXX & XXXX XXXX

Company response to consumer: Closed with explanation