vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NC

Complaint narrative:
Checked on my Klarna account to see how much a remaining balance i had. It found no accounts that were needing to be paid. No history of purchases, yet I was still scheduled autopay monthly at {$35.00} a month since XX/XX/year>. 
When i reached out to customer service they stated that it " went to collections '' and provided XXXX companies it " could have '' gone to. I checked my credit report and i have no accounts in collections what-so-ever. I relayed this information to them, they still insist this is what happened. They couldn't tell me if it was for certain and couldn't even tell me a date. So {$35.00} a month has been being taken out for an account that doesn't even exist on their end for almost 2 years and didn't know what month it would have been coming out without an account to attach it to. 
When i inquired how something could be sent to collections while it is being paid on auto-pay with no missed payments. They couldn't answer this and said a supervisor would reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 submitting this complaint against [ Equifax XXXX Experian ] for failing to remove a collection account that has already been deleted by XXXX  following an investigation. The collection is from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX 

The account ( ending in XXXX * * ) is still being reported with conflicting and inaccurate data : It is marked closed but still shows a balance. 
The comments include contradictory language ( e.g., disputed by consumer and not disputed ). 
I previously disputed this with XXXX  and they deleted the account due to it being unverifiable. 

I am requesting that [ Equifax XXXX Experian ] remove this inaccurate entry from my credit report in compliance with the Fair Credit Reporting Act. The ongoing reporting of this account is harming my creditworthiness and is inconsistent across bureaus. 

Ive attempted resolution through the bureaus dispute portal but have not received appropriate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 : 1. 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.

2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

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 2025-07-29 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:
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 XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
One day in XX/XX/XXXX someone knocked on my door, asked for me, and gave me court paperwork stating they were taking me to small claims court. The court date was XX/XX/XXXX at XXXX. I emailed this company right away asking to validate the debt. The company is LVNV FUNDING LLC. I had never heard of them much less knew about this so called debt. I went looking online for information about this company and found plenty of negative actions they have done. Many people like myself never even heard of them before they were sued by them. Debt validation was never done and they had court on the XXXX of XXXX without validation of the debt. How can they do this? This debt is not mine. Since XXXX when XXXX hit I have not applied for any type of credit card and have had many health scares, several surgeries. I have just been trying to get better and don't need this issue following me around. This agency or attorneys, whatever they are, need to do the right thing. I should not have a judgement against me. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am submitting this complaint because several inaccurate and damaging items have been reported on my XXXX credit file. Despite my efforts to dispute these items directly with XXXX they continue to appear on my report, violating my rights under the Fair Credit Reporting Act ( FCRA ) and causing me significant emotional and financial distress. 

To begin with, there are multiple accounts listed as charge-offs and late payments that I do not believe are being reported with full accuracy or proper verification. The XXXX account ( ending in XXXX ), listed as a charge-off, was closed years ago and I have not received any recent notice of outstanding balances. Similarly, the XXXX  account ( ending in XXXX ) and XXXX XXXX XXXX ending in XXXX ) are showing as delinquent, yet I have never received proper monthly statements or formal notice of these delinquencies in accordance with Section 623 of the FCRA. 

I also noticed that the XXXX XXXX XXXX XXXX and XXXX XXXX accounts are being reported multiple times with charge-offs and late payment statuses, making it look like I have more debt than I actually do. This form of duplicate reporting is misleading and gives an inaccurate representation of my creditworthiness. The accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  are showing derogatory marks, but I have previously requested validation of these debts and have not received adequate documentation proving their legitimacy or ownership. 

Moreover, I have several hard inquiries on my report, including entries from XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX, that I do not recall authorizing. These inquiries are negatively impacting my credit score and should not be present without my explicit permission or a permissible purpose under FCRA Section 604. 

I have made multiple attempts to resolve these issues directly with XXXX but have received only generic responses without any evidence that a proper reinvestigation was conducted. According to Section 611 of the FCRA, the credit bureau must conduct a reasonable investigation and provide results within 30 days. This has not been honored in my case. 

These inaccuracies are interfering with my ability to obtain housing, fair interest rates, and basic financial services. I am seeking the CFPB 's assistance in having these accounts properly investigated and either verified with full documentation or deleted from my report entirely. I am also requesting that the unauthorized hard inquiries be removed.

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 2025-07-29 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: IA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: ID

Complaint narrative:
Dear CPFB, I would like to report unethical and damaging behavior by XXXX XXXX services which has caused me harm. 

In XXXX I signed up for the XXXX XXXX XXXX XXXX and used it up to XXXX. In XXXX I switched to a different credit card and Cancelled my XXXX XXXX XXXX. Here is a brief timeline I called XXXX Customer Service and cancelled my XXXX XXXX when I switched to a different credit card. 
I then stopped using my XXXX XXXX XXXX. That was in XXXX. 
I received a call in XXXX from XXXX saying that they were calling to collect a debt. 
I had in XXXX closed the Bank Checking Account which I had set up in XXXX for automatic payments for my XXXX XXXX XXXX. 


After waiting on hold for an extended period of time during the Covid Pandemic, I spoke to a XXXX Customer Service Rep and asked them to close my account because I had already stopped using the card and did not want to keep paying the high annual fee. I was told by XXXX Customer Service Rep that my account would be closed almost immediately. 




Unbeknownst to me the XXXX Customer Service rep failed to close my account and XXXX continued to take money from my checking account for annual fees after the account was supposedly closed, against my will. 

Previously my XXXX XXXX card account had been set up for automatic payment from my checking account at XXXX XXXX 

I did not become aware of the problems with XXXX until months after I closed the XXXX checking account in XXXX. A XXXX rep called to complain that I had failed to pay their annual service fee for a Credit Card account which they failed to close years prior. 


What I am asking for : XXXX  to refund me for the annual membership fees, $ XXXX for XXXX and XXXX which they removed from my checking account after I cancelled the card. 
XXXX XXXX remove the false balance which XXXX XXXX created with their annual fees + penalties, AFTER XXXX XXXX they had closed my account. 
XXXX XXXX to remove any damage to my XXXX XXXX and reputation which resulted from them falsely reporting a false balance, which XXXX XXXX Created after they claimed to close my account. 

Sincerely, -XXXX XXXXXXXX

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 2025-07-29 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:
The inquiries shown on my report do not reflect any actions taken by me. Please treat this as a potential case of fraud and take swift action. Supporting documentation has been attached.

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 2025-07-29 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-07-29 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C. \n1681c-2) that you, the Experian Credit Services , block information appearing on my\nconsumer credit report that is the result of identity theft and fraud within 4 business days of\nyou receiving this complaint. The following items do not belong to me and is a result of fraud\nthat I did not authorize:\nAlso, would like to have all addresses and names REMOVED from my credit report, except\nfor my only name and address listed below:\nName: DXXXX 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 2025-07-29 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-07-29 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: GA

Complaint narrative:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS 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 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 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 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 XXXXXX/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 2025-07-29 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: CA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
back in XX/XX/year> my lease was up with XXXX XXXX. I moved out and into a new apartment to continue my process with suing as I fell down their stairs coming from my apartment. Months go by and I receive communication from a XXXX XXXX at XXXX XXXX on XX/XX/year> that I owed {$11000.00}. As I started to do more digging I seen on case.net I was evicted at a place I no longer lived at. Also seen that XXXX XXXX tried to get the approval from the judge for rent and possession of property in the amount of {$7800.00} plus {$100.00} for court fees and {$100.00} for attorney fees. Totaling {$8200.00}. Yet I have a balance of {$11000.00} of debt from an apartment complex on my credit. XXXX XXXX never reached out to me that I was late on rent until after taking me to court. The judges name was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX $ $ $ XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this Breach : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00}

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