vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I made multiple formal written requests to XXXX and its parent entity, XXXX XXXX XXXX XXXX, for complete account documentation, including full payment history, transaction logs, internal account status change records, and verification of all credit bureau reporting under the Fair Credit Reporting Act ( FCRA ). These requests were either ignored, incompletely addressed, or responded to with contradictory and unverifiable data. 

Despite clear and documented notice of disputed accuracy, the company continued to furnish inaccurate information to all three major credit bureaus, constituting willful noncompliance under 15 U.S.C. 1681s-2 ( b ). Their actions caused repeated damage to my consumer credit file, impaired my ability to obtain financing, and imposed measurable emotional and financial burden. 

In addition, their counsel, XXXX XXXX XXXX, engaged in procedural evasion by providing partial or evasive responses to legitimate consumer verification requests. This has forced me to escalate the matter to the Massachusetts Attorney Generals Office, where a live dossier of evidence has already been filed and received. 

This pattern of non-response, inaccurate furnishing, and procedural obstruction demonstrates systemic disregard for FCRA obligations and consumer rights. I am requesting immediate CFPB intervention to compel full compliance from XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, including the production of all requested records, correction of all inaccurate credit reporting, and a written confirmation of compliance.

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 2025-08-09 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: WI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: NY

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 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MA

Complaint narrative:
Dear CFPB, HUNTER WARFIELD Debt Collector : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : * A signed contract or agreement bearing my signature * A full itemized accounting of the debt * Proof of legal assignment or ownership * The Forward Flow Agreement showing what documents were transferred * Proof of the collectors license to collect in my state If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Pursuant to this law, I respectfully request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. A detailed statement of the alleged debt, including the amount and how it was calculated. 
XXXX. A copy of the original signed credit card agreement or contract. 
XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 
XXXX. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
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 2025-08-09 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated. 
3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. 
This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Klarna AB
State: GA

Complaint narrative:
On [ XX/XX/year> ], I deposited {$250.00} into my Klarna Balance. Soon after, I discovered I have no purchase power, meaning I can not spend the funds. Klarna states that the only way to withdraw my own money is by using a Klarna Flex Card, which I do not qualify for. 
I have added my bank card to my Klarna account, but there is still no option to transfer the funds back. I contacted Klarna support multiple times requesting a refund to my original payment method, but they refused. I also tried disputing the charge with my bank, but my dispute was denied. 
This is an unreasonable business practice that results in Klarna holding my funds without any accessible withdrawal method. I am requesting that Klarna immediately return the {$250.00} to my original payment method. 
I have documentation proving my inability to use the money in the app. This is an unreasonable business practice that results in Klarna holding my funds without any accessible withdrawal method. I am requesting that Klarna immediately return the {$250.00} to my original payment method. 
I have documentation available to prove my balance, my inability to make purchases, and the absence of a transfer option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a purchase of {$520.00} at B & H Photo using my Comenity Capital Bank card under a XXXX deferred interest promotional plan. The plan was set to be paid off by the expiration date. I made payments toward the balance, and by the end of the plan term, I had already planned to pay in full by the agreed date. 

However, due to repeated billing errors, misapplied payments, and late fee charges that were later refunded multiple times ( e.g., {$30.00}, {$37.00}, {$41.00} refunds posted on XX/XX/XXXX ), the promo plan expiration passed while these issues were still being disputed. As a result, I was charged accrued interest of {$87.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX, plus other finance charges, even though I only used {$520.00} of credit and was on track to pay it off in time. 

I believe this is unfair and deceptive. Their own actions and processing delays caused the expiration of my promotional plan, forcing me to incur finance charges I would not have owed otherwise. I am requesting a full reversal of all finance charges related to this matter. 

The root cause of this issue is that Comenitys system reset my account, which caused my automatic payments to stop without my knowledge. A Comenity representative admitted this to me over the phone, and I have voice proof of this statement. 

Because my auto payments were stopped by their system, I was not able to complete the balance within the XXXX deferred interest period despite being on track to do so. This directly caused the plan expiration, triggering {$87.00} and {$11.00} in finance charges, as well as related fees, which would never have occurred had my scheduled payments continued as agreed. 

I am requesting a full reversal of all finance charges, accrued interest, and associated fees, along with an account correction to reflect that the balance was paid in full within the promotional period. This correction should also ensure no negative credit reporting occurs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
I am a victim of identity theft and have followed all requirements under 15 U.S.C. 1681c-2 ( FCRA 605B ) to have fraudulent accounts and inquiries blocked from my credit file. I submitted an FTC Identity Theft Report, police report, and a formal 605B request to Experian, Equifax, and TransUnion. These requests included all required identification and documentation proving the items in question were the result of criminal activity and not transactions I authorized.

Despite receiving my complete and timely submissions, each credit reporting agency has willfully and negligently failed to block and remove the fraudulent information. The disputed accounts and inquiries remain on my credit file, continuing to cause me financial harm, credit denials, and reputational damage. I have received responses from the CRAs that either ignore the 605B requirements or improperly verified the fraudulent accounts without legitimate reinvestigation or consideration of the evidence I provided.

Under 605B, the CRAs are required to block such information within four business days of receiving proper proof. Their refusal to comply is a direct violation of federal law and my consumer rights. This ongoing failure has prolonged the impact of the identity theft, causing me further distress, lost opportunities, and financial instability.

I am requesting that the CFPB take immediate enforcement action to ensure Experian, Equifax, and TransUnion comply with 15 U.S.C. 1681c-2, block the fraudulent information, remove the associated inquiries, and correct my credit files without further delay. Their continued noncompliance is unlawful and harmful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am writing in response to a debt collection received regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FD

CPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that y
ou are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. 
* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a phone call from a man who indicated he needed to notify me of a complaint filed against me in XXXX XXXX, MO. He provided a phone number and case number. I called that number, where a mitigation specialist named XXXX XXXX at the XXXX XXXX XXXX. She explained I owed {$1400.00} and change from an old balance with a credit account through Chase Bank. This account was active from XXXX according to her. I told her it was plausible but I had no recollection of this. She said a letter had been sent to my address, but I have not received such a letter. She then sent an email with payment options. {$990.00} one-time payment or {$140.00} for 10 months, otherwise they were going to garnish my wages for the principle, interest, and late fees totaling over {$5400.00}. I have until XX/XX/year> to submit this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
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