vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: Klarna AB
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Klarna via in-app chat to request a refund after I accidentally added {$31.00} to my Klarna Balance XXXX This was not intentional or authorized. Klarna agents claimed the balance was non-refundable, which I believe is inaccurate under federal consumer protection laws. 

Instead of resolving my concern, Klarna agent XXXX instructed me to test using the balance in Klarnas in-app marketplace. I added a XXXX gift card to my cart as a mock purchase to check if Klarna Balance would appear as a payment option. It did not. However, Klarna processed the purchase anyway charging me an additional {$31.00} without confirmation, consent, or intent. 

XXXX told me to contact XXXX, which I did at XXXX XXXX EST on XX/XX/year> at XXXX ( XXXX call ). XXXX confirmed they could not assist, as Klarna handles third-party gift cards. 

Today, Thursday, XX/XX/year>, at XXXX XXXX  EST, I spoke with XXXX, a XXXX XXXX  representative, on a XXXX call. While disputing the XXXX Klarna charges I already knew about, XXXX asked if I was disputing XXXX or XXXX {$31.00} charges. I hadnt realized there was a third until I reviewed my statement and found yet another Klarna charge for {$31.00}. 

At no point did I authorize or intend for any of these XXXX charges totaling {$93.00} to occur. I attempted to resolve the issue directly with Klarna through agents XXXX, XXXX, XXXX, XXXX XXXX, and XXXX from XXXX XXXX. Klarna refused to take responsibility and insisted I was liable. 

Under the Fair Credit Billing Act ( Regulation Z, 12 CFR 1026.13 ), Klarna is required to investigate and correct billing errors. They failed to comply with this process. I am requesting a full refund of all {$93.00} to my XXXX XXXX  checking account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$13000.00}

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a follow-up to my original dispute submitted on XX/XX/year>. I formally requested TransUnion to delete multiple accounts that contain inaccurate, outdated, duplicated, or unverifiable data. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion responded that the items were verified as reported but failed to provide any documentation or a valid Method of Verification ( MOV ) as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Several accounts remain with conflicting balances, re-aged delinquencies, and duplicate entries, violating FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). 

TransUnion has not demonstrated a reasonable investigation and continues to publish damaging information that is materially misleading or unverifiable. 

Im requesting full deletion of the above accounts and an explanation of the exact method used to verify them. If not resolved, I will escalate this matter to the FTC, state attorney general, and seek relief under FCRA 1681n for willful noncompliance.

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 2025-07-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  XXXX XXXX XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX Original Lender XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  XXXX XXXX XXXX/XXXX/2024

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 2025-07-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing inaccurate and misleading credit reporting by two debt buyers : Midland Credit Management ( original creditor : XXXX ) and XXXX XXXX XXXX ( original creditor : XXXX XXXX  ). Both of these debts started delinquency in XXXX  and have been inaccurately reported. 
The credit cards were also issued to a XXXX XXXX XXXX with no co sign or verifiable proof of income Midland ( XXXX ) pressured me into making a payment on XX/XX/XXXX by implying legal action without disclosing that the 3-year statute of limitations for lawsuits in New York would expire on XX/XX/XXXX. This omission materially influenced my decision to pay and may violate the FDCPA. Additionally, Midland is reporting a date opened of XX/XX/XXXXXXXX  and delinquency in XXXX, before I made any payments. This is misleading and appears to re-age the debt, violating the FCRA. 
XXXX XXXX is reporting their date opened as XX/XX/XXXXXXXX  with no clear record of the original delinquency from XXXX XXXX. The absence of the original XXXX  may violate FCRA 605 ( c ). 
I request that these accounts be deleted or corrected to reflect the original delinquency dates and accurate reporting timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
Upon meeting with my attorney, I have noticed some unauthorized accounts and inquiries on my credit report due to the Equifax Data breach. I have proof of me being a victim of the data breach and have listed all the unauthorized accounts on my profile. Please delete and block these unauthorized items from my credit report according to FCRA 605B

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 2025-07-11 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: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report is showing 11 missed payments for both 30 and 60 days. Ive looked at all of my accounts and they show never late. I want my payment history updated. Its 35 % of your total credit score.

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 2025-07-11 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: IN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a dispute to TransUnion on XX/XX/year> ( confirmation email received ), and it is currently processing. I now need to file a separate dispute on a different account, but TransUnions system is refusing to accept it. Instead, it shows a message stating I already have a request in process and must wait before submitting another. 



When I called TransUnion customer service on XX/XX/year> and asked to either escalate the dispute or delete/remove it, the representative confirmed receipt of my first dispute by seeing the confirmation email, but no record shows of it on her system. She said the system issue should be resolved in a couple of days. However, Im on a tight deadline Im applying for an apartment and this delay is hampering my housing application.

Under the Fair Credit Reporting Act, I have the right to file disputes on any item at any time. TransUnions refusal to allow a new dispute while one is pending violates this consumer right. Even TransUnions own documentation states that submitting multiple disputes simultaneously is allowed and they should be investigated together.

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 2025-07-11 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: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and my credit file contains accounts and inquiries that I did not authorize and do not recognize.

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete these unauthorized items from my report. Enclosed are a list of the disputed accounts and a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please investigate and remove the fraudulent information as soon as possible. I request written confirmation once these corrections have been completed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-07-11 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: IA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. XXXX XXXX  failed to properly respond to my formal dispute of a charged-off account reported on my credit report. I requested debt validation and legal proof of ownership under FCRA 1681s-2 and FDCPA 1692g. 

They did not provide a signed contract, proof of chain of title, or confirmation of whether a Form 1099-C or 1099-A was issued to the IRS, which would indicate the debt was canceled or discharged.

Instead, the company only marked the account as disputed but continues to report it. This violates consumer protections because : A discharged debt ( especially one forgiven and reported as taxable income ) can not legally remain on my credit file.

Reporting a charged-off debt that has also been monetized or securitized without full disclosure violates the FCRA and may constitute double reporting or tax fraud.

XXXXXXXX XXXX may have securitized this debt, which means they no longer own or control it and can not lawfully collect or report on it without disclosing the true owner and trust. 

I submitted my request in writing and provided supporting evidence and ID. I requested that the account be : Deleted from all credit bureaus Validated with a signed agreement Confirmed against any IRS filings XXXX XXXX  failure to comply or provide this proof is now being escalated to the IRS, FTC, and State Attorney General. Please reopen this complaint and require XXXX XXXX  to delete the account or provide full validation, including ownership and tax disclosure documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. XXXX XXXX  failed to properly respond to my formal dispute of a charged-off account reported on my credit report. I requested debt validation and legal proof of ownership under FCRA 1681s-2 and FDCPA 1692g. 

They did not provide a signed contract, proof of chain of title, or confirmation of whether a Form 1099-C or 1099-A was issued to the IRS, which would indicate the debt was canceled or discharged.

Instead, the company only marked the account as disputed but continues to report it. This violates consumer protections because : A discharged debt ( especially one forgiven and reported as taxable income ) can not legally remain on my credit file.

Reporting a charged-off debt that has also been monetized or securitized without full disclosure violates the FCRA and may constitute double reporting or tax fraud.

XXXXXXXX XXXX may have securitized this debt, which means they no longer own or control it and can not lawfully collect or report on it without disclosing the true owner and trust. 

I submitted my request in writing and provided supporting evidence and ID. I requested that the account be : Deleted from all credit bureaus Validated with a signed agreement Confirmed against any IRS filings XXXX XXXX  failure to comply or provide this proof is now being escalated to the IRS, FTC, and State Attorney General. Please reopen this complaint and require XXXX XXXX  to delete the account or provide full validation, including ownership and tax disclosure documentation.

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 2025-07-11 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

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 non-monetary relief