vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a former student of the XXXX XXXX XXXX XXXX and XXXX ( XXXX ) XXXX XXXX XXXX and a confirmed class member in XXXX XXXX. XXXX XXXX a class-action lawsuit that challenges misleading and predatory practices by certain schools. I submitted a Borrower Defense to Repayment ( BDR ) application, which remains pending with the Department of Education. 

Despite this, my Experian credit report reflects inaccurate tradelines related to student loan accountsspecifically the XXXXXXXX XXXX XXXXXXXX. These tradelines include charge-off statuses and balances that are inaccurate, misleading, and damaging to my credit profile. They do not reflect the current status of my loans or the pending forgiveness under the XXXX v. XXXX settlement. 

On XX/XX/year>, Equifax investigated this same issue and deleted the XXXX XXXX XXXX tradeline from my credit report after contacting the furnisher and confirming the error. TransUnion is also currently reviewing my dispute. I am requesting that XXXX follow suit and remove the inaccurate information from my credit file. 



Delete the XXXX XXXX XXXX tradeline from my Experian credit report Remove or correct any other related inaccurate information Confirm in writing once these updates have been made This misinformation is impacting my ability to rebuild my credit and move forward financially. I appreciate your attention to this matter.

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 2025-07-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally request a copy of IRS Form 1099-C related to this account, which appears to have been either settled or forgiven. I need this form for my tax records and to verify how the debt was handled from your side. Please confirm in writing whether a 1099-C was issued and send a copy via mail or email. If a 1099-C was issued, it is a clear indication that the debt was canceled and is therefore no longer collectible. If no such form was issued or no longer exists, it raises questions about the legal basis for continuing to report this item as a charge-off on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 623, data furnishers are required to report only accurate and verifiable information. Failure to provide documentation supporting the continued reporting of this charge-off constitutes grounds for its immediate deletion. Additionally, any unverifiable or outdated debt violates my rights under 15 U.S. Code 1681s-2 and may result in further action. This derogatory item is not only inaccurate or potentially unsubstantiated but is also materially harming my credit and financial well-being. I am demanding that this matter be resolved promptly.

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 2025-07-01 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: CA

Complaint narrative:
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!

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: VA

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 TILA US Code 1666B 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 Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 filing this complaint against all three major consumer reporting agenciesExperian, XXXX, and XXXX ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Failure to properly reinvestigate and remove inaccurate or unverifiable information ; 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) Failure of data furnishers to investigate disputes and delete or correct erroneous information after notice ; FTC XXXX XXXX  FTC XXXX Experian, and FTC XXXXXXXX XXXXprior consent orders requiring improved dispute response practices. 

Despite multiple disputes and submission of documentation through proper channels, these bureaus have failed to delete or properly investigate the following accounts, which are included and detailed in FTC Identity Theft Report # XXXX. 

These accounts are inaccurate, unverified, and contain conflicting information across bureaus. I have not authorized or acknowledged responsibility for these accounts, many of which contain false derogatory marks that damage my credit profile. I also submitted detailed personal statements in writing, which have not been honored or reflected in updated reports. 

- This report is submitted by myself not an automated service. 
- These accounts are not associated with any pending lawsuits or litigation matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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 recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I recently viewed my credit report and noticed account XXXX that was not reporting accurately. I had a late payment on accounts that was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates : XX/XX/XXXX, XX/XX/XXXX I demand these payments be updated to paid on time immediately. You can not report information with knowledge that this information has errors. I have substantial doubts about the accuracy of the information. Please update this account to PAID NEVER LATE.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing unauthorized transactions on my Chase credit card account. 

On XX/XX/year>, I contacted Chase to report XXXX transactions that I did not authorize. The transactions were : XX/XX/year> {$170.00} at XXXX XXXX XXXXXX/XX/year> {$600.00} at XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$310.00} at XXXX Chase acknowledged my report and opened an investigation. However, in a letter dated XX/XX/year>, they concluded that I am responsible for all three transactions, claiming that I received benefit or that merchandise was shipped to my address. 

I did NOT authorize these transactions and did NOT receive any products or services associated with them. 

I am now being held liable for over {$1000.00} in charges I did not make. I respectfully request CFPB assistance in ensuring that Chase reopens the investigation and complies with federal consumer protection laws ( e.g., FCBA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I have been trying to access my account, I have given them various identification, I have tried to call and send them email to jo avail. My address, the house number, the street, the city and the state is correct but the country listed is XXXX. No one is responding to my calls or emails. I juat want to access my account so I can close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I initially submitted a dispute to Ally Bank totaling {$2800.00} related to a transaction involving a sick puppy purchased from a fraudulent seller. After filing a complaint with the CFPB, Ally Bank eventually refunded {$500.00} of the amount, but {$2300.00} remains unreturned despite the passage of well over 90 days since the dispute was filed. Ally has failed to provide a fair explanation or timeline for the delay. 



Additionally, after escalating the matter and receiving a partial refund, Ally Bank abruptly closed one of my high-yield savings accountsdespite it being in good standing. This closure came shortly after my CFPB complaint and appears retaliatory, especially considering theyve been quietly lowering interest rates and adding technical roadblocks as well. 



I am asking the CFPB to investigate the unresolved {$2300.00} dispute balance and examine Ally Banks retaliatory behavior in closing my savings account without justification.

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 2025-07-01 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: IL

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 : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Equifax is refusing to delete wrong illegal access to my credit report. I did not authorize inquiries and I informed equifax, who has a fraud alert placed on my credit report stating " ID Theft Victim - Information Blocked Due To Police Or DMV Report '', showing they are well aware of it, refuses to remove inquiries I did not make, authorize, or benefit from. 
They know they are violating the law but celebrate doing so, even after I successfully sued them a few months ago for the same issue. Why do they take so much pleasure in crime? What kind of organization gets to commit violations of federal law day after day after day after day and suffer almost no consequence?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I was XXXX  during the time the accounts were reportedly opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
To Whom It May Concern : This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I recently became aware of an alleged debt reported by your agency on my credit report. I am exercising my right to dispute this debt and request full validation. Please provide the following : The name and address of the original creditor.

A full itemized accounting of the {$350.00} balance including : Original amount owed Any interest, late fees, or charges added A copy of the original agreement or contract bearing my signature. 

Documentation showing you are legally authorized to collect this debt. 

Proof of your license to collect debts in [ Insert Your State Name ].

Pending receipt of proper validation, please cease all collection activity and suspend credit reporting as required by law. 

If you can not validate this debt within 30 days, I request that you delete this account from all consumer credit reports and cease contact permanently. 

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 2025-07-01 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: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
In XX/XX/year>, I, a minor, opened and used a Klarna account without proper age verification from Klarna. Klarna allowed me to make purchases even though I am underage and can not legally enter into binding financial agreements. Klarna should have prevented me from opening the account or making purchases. 

I contacted Klarna multiple times between XX/XX/XXXX and XX/XX/year>, requesting that they cancel the account and issue a full refund for all charges, including late fees, because the account was opened and used without proper age verification. 

Despite being a minor, Klarna allowed these transactions to go through without verifying my age. Klarna refused to cancel the account, provide a refund, or block further charges. When I contacted Klarna asking for a refund and closure of the account due to my age and lack of legal capacity to enter the contract, Klarna refused. Instead, they responded on XX/XX/year>, stating that I should contact the merchant directly for cancellations and refunds, refusing to take responsibility. 

The total amount charged was {$46.00}, including late fees. Despite my attempts to resolve this directly with Klarna, they have not taken appropriate action. 
XXXX failure to properly verify age and their refusal to resolve this issue constitute unfair and deceptive business practices. 
I request the CFPB investigate XXXX failure to protect minors from unauthorized financial activity, ensure a full refund is issued for all charges including fees, and require Klarna to improve their age verification process. 

Although I used my dads name in an email to Klarna to get their attention, the Klarna account was created by me, a minor, and all charges are on my account. My dad has no involvement or account with Klarna.

Company response to consumer: Closed with explanation