vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-24 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: GA

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. CXX/XX/XXXXe XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( 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. XXXXb, creditors must allow at least XX/XX/XXXXdays 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 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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I spoke with an employee on the XXXX of XXXX and said I was sending a check by XXXX that would arrive in the XXXX to pay off my outstanding balance because their payments each month are just excessive. I knew my balance at the time was XXXX the check I sent was XXXX on Monday the payment sat at their XXXX XXXX XXXX I had tracking. On Tuesday the XXXX it was still sitting at their business and when I called both days was told the matter would be solved that day, it wasn't handled. Wednesday the XXXX it was still sitting and no one had settled my account mind you feed are being added daily, now the payoff is XXXX I called several times that day and told them I'm removing my approval for ACH and I was told the matter would be resolved no one called but I received emails. Finally on Thursday the XXXX of XXXX my account is credited but now I owe more fees only because they did not do their job I feel this is a crooked way of doing business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I Have reached out to Experian numerous of times and they keep reporting inaccurate information. The account was paid in full XX/XX/year>, however Experian is reporting in collection status and 60 days late after that date.

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 2025-10-24 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 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: NY

Complaint narrative:
I was deeply alarmed to discover that my credit report has been accessed without my permission, with multiple applications made in my name that I never authorized or initiated. These fraudulent inquiries were done without my knowledge or consent, and I do not recognize any of the companies involved. This situation is both distressing and unacceptable, as it violates my rights as a consumer and undermines the security of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
XX/XX/XXXX assessed an increase of 8 % to my mortgage payment due to home owners insurance premium increase The increase was to be in effect without notice based on an escrow analysis done in XX/XX/XXXX Before XXXX ended a new home owners insurance company was retained and lowered the premium much more that the stated increase A new escrow analysis required completion immediately, it was not performed The bank proceeded to request the inflated payment and by XXXX began assessing late fees and not crediting payments although all payments were made on time in the amount of the continued loan amount from XX/XX/XXXX to present day. 
The bank has skewered the amounts both credited and also not applied which is a misapplication of all funds in a timely manner, Both principal and interest / Taxes & insurance.

I have requested all the numbers used and dates applied to resolve this issue of requesting much more escrow monies than is required by Maryland 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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
For more than a month now ( submitted on XX/XX/XXXX ), my application for a Barclays credit card has been processed and they still can't give any answers about what's with it. 

When trying to contact the Customer Service, they send you to call the Application Department, but after that they tell you that they are not dealing with these issues and return you to the Customer Service, and this happens over and over again. 

They also can not cancel the credit card application so that I can apply again, as it is not in the functionality of either of the two departments.

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 2025-10-24 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: NC

Complaint narrative:
I write as a documented victim of identity theft arising from both the Equifax and XXXX XXXX  data breaches. Your agency continues to furnish and report demonstrably fraudulent trades lines. Without my authorization, the following fraudulently information is on my credit file. I have never provided any permission for access to my credit files, nor applied for these loans and for accounts to be established in my name. Equifax Inc is illegally reporting these INACCURATE UNVERIFIED accounts : 1. Furnisher : XXXX XXXX XXXX XXXX : Balance : {$2500.00} : Date Fraud Begun : XX/XX/XXXX 2. Furnisher : XXXX XXXX XXXX XXXX : Balance : {$1200.00} : Date Fraud Begun : XX/XX/XXXX 3. Furnisher : XXXX XXXX XXXX XXXX XXXX. : Balance : {$610.00} : Date Fraud Begun : XX/XX/XXXX Equifax Inc FAILED to maintain reasonable procedures by : a ) Reporting accounts WITHOUT any supporting documentation b ) Continuing to report DISPUTED information without verification c ) Using AUTOMATED systems without human oversight d ) IGNORING obvious data integrity failures VIOLATION 2 : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Equifax Inc dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law I further assert that Equifax Inc has failed to provide an effective investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: WA

Complaint narrative:
borrowed {$800.00} from XXXX XXXX ( which is a tribal lender ), and they expected repayment of {$4100.00}, meaning over 400 % + APR, which is far above whats legal in Washington State. 

Youve already repaid {$1600.00}, which is {$810.00} more than the principal ( {$800.00} ) you borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-10-24 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: TX

Complaint narrative:
I discovered several inaccurate and/or unauthorized accounts reporting on my credit file. I submitted a written dispute to the company requesting verification and documentation of the accounts, including proof of ownership and investigation results, as required under the Fair Credit Reporting Act ( FCRA ) 605B, 609, 611, and 1681i. I also requested that the company block or remove all fraudulent or inaccurate information.

Despite providing sufficient evidence and supporting documentation, the company failed to properly investigate or provide the requested verification within the 30-day period required by law. The accounts remain inaccurately reported, which continues to negatively affect my creditworthiness and ability to obtain credit. 

I am requesting that the CFPB ensure the company performs a lawful reinvestigation, removes all unverifiable or fraudulent accounts and inquiries, and provides written confirmation once the file has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I discovered several inaccurate and/or unauthorized accounts reporting on my credit file. I submitted a written dispute to the company requesting verification and documentation of the accounts, including proof of ownership and investigation results, as required under the Fair Credit Reporting Act ( FCRA ) 605B, 609, 611, and 1681i. I also requested that the company block or remove all fraudulent or inaccurate information.

Despite providing sufficient evidence and supporting documentation, the company failed to properly investigate or provide the requested verification within the 30-day period required by law. The accounts remain inaccurately reported, which continues to negatively affect my creditworthiness and ability to obtain credit. 

I am requesting that the CFPB ensure the company performs a lawful reinvestigation, removes all unverifiable or fraudulent accounts and inquiries, and provides written confirmation once the file has been corrected.

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 2025-10-24 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: AL

Complaint narrative:
A long time credit that was used by someone who used to live with me that used my credit card and it's been more than 10 years and I've reported it and still they have it on my credit and all hard inquiries in my name when I was just looking around for cars and they run my credit right away didn't know it until they finished running it and I saw it in my credit report. They say it won't affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AL

Complaint narrative:
A long time credit that was used by someone who used to live with me that used my credit card and it's been more than 10 years and I've reported it and still they have it on my credit and all hard inquiries in my name when I was just looking around for cars and they run my credit right away didn't know it until they finished running it and I saw it in my credit report. They say it won't affect my credit.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: TX

Complaint narrative:
I reached out to XXXX XXXX twice to inquire about what hardship options are available as my income has been affected by the government shutdown. Both times I was told there are no internal hardship options which I know is not true as they are a division

of US Bank. Instead the company has marked my account as 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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: VA

Complaint narrative:
I am filing this complaint regarding a billing dispute with Klarna for a canceled flight purchase totaling {$1700.00}. When I booked the flight through Klarna, I was informed that I would be covered in the event of a cancellation.

I had to cancel my flight due to a health matter that was going to possibly hinder me from flying. Before I canceled, I confirmed with Klarna that I would still be covered and refunded under their policy even if the airline declined to issue a refund. Based on this assurance, I proceeded with the cancellation.

The airline ultimately declined to refund the fare, which I was aware of, but Klarna had stated that I would be reimbursed regardless. I have already made the first payment of {$440.00}, which has not been refunded.

Despite submitting documentation and opening multiple disputes, Klarna has now declined further investigation and is leaving me responsible for the full debt amount. This has caused unnecessary financial and emotional stress, especially given the health circumstances surrounding my cancellation.

I am requesting that Klarna pause all collection activity and re-open the investigation. Klarna should honor the original coverage information I was given, refund my payment of {$440.00}, and remove any remaining balance of {$1700.00}. I am including proof of my flight cancellation and correspondence with Klarna and the airline.

I am asking for a fair and prompt resolution, as I relied on Klarnas stated coverage when making my cancellation decision in good faith.Ive been a faithful customer with no missed payments previously.

Company response to consumer: Closed with explanation