vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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: CA

Complaint narrative:
On XX/XX/2025, I made a purchase in a XXXX store in the amount of {$550.00}. On that same day I returned XXXX items back to the same XXXX store number XXXX, register number XXXX, refund due to customer on the receipt is {$100.00}. Authorization number is XXXX. This was made using the Klarna credit card. To date klarna has not returned the amount, instead they sent an email referring to a previous purchase made on XX/XX/2025 at XXXX XXXX, that amount purchase was {$100.00}. The return on that purchase was {$93.00}. This is a completely separate transaction. It has nothing to do with the XX/XX/2025, XXXX XXXX  transaction, however Klarna sent an email stating the {$93.00} was refunded and once again ignored the receipt for the {$100.00} XX/XX/XXXX refund. When contacted by phone, they stated that the matter was escalated because they at Klarna incorrectly listed the purchase as an order no an in store purchase and return. The Klarna representative stated they would immediately correct their mistake after a few moments the rep notified me their mistake was now corrected and since they have the receipt from XXXX  for the refund amount of {$100.00} on XX/XX/XXXX I would now receive the refund. Now weeks later XX/XX/XXXX Klarna once again is requesting the same receipt that they have received and verified at least XXXX separate occasions since XXXX. We called and once more were told that there is no manager to speak to. We were once again told that the issue was escalated and a refund should have been issued. This is the third time we are told that exact speech word for word as if reading from a script since XXXX in the amount due on the receipt on XX/XX/XXXX of {$100.00}. This is important because Klarna is confusing the XX/XX/XXXX purchase and return with the XX/XX/XXXX purchase and return. They are XXXX completely separate transactions and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I obtained a loan from this credit union and they sold me a policy that provided no covarge for my issue

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 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Experian Dispute Department, I am writing to dispute your inadequate investigation and verification of multiple accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I hereby demand a description of the Method of Verification ( MOV ) for each of the following accounts.

Accounts Requiring Full MOV Disclosure : XXXX XXXX  Account # XXXX : You verified this account without correcting inaccuracies. I demand the MOV. 

XXXX XXXX XXXXXXXX Account # XXXX : You verified this account without correcting inaccuracies. I demand the MOV. 

XXXX XXXX XXXXXXXX Account # XXXX : You verified this account without correcting inaccuracies. I demand the MOV. 

XXXX XXXX XXXXXXXX Account # XXXX : You verified this account without correcting inaccuracies. I demand the MOV. 

XXXX Account # XXXX : You verified this account without correcting inaccuracies. I demand the MOV. 

XXXX Account # XXXX : Critical Discrepancy : You are reporting a different account number ( XXXX ) for this debt on my Experian report versus what is reported to TransUnion ( XXXX ). This proves a clear failure of reasonable procedures and accuracy under XXXX ( b ). I demand the MOV for both account numbers. 

For each account, please provide : The name, address, and telephone number of the furnisher ( creditor ) you contacted.

The specific person ( s ) you spoke with at each furnisher. 

The precise data points you provided to the furnisher to initiate the verification ( e.g., the account number, name, SSN, dispute code ).

The exact information the furnisher provided in response that led you to conclude the account was " verified. '' How you reconciled the conflicting account number for the XXXX account.

If you can not provide a detailed description of the MOV for any account, that account must be immediately and permanently deleted from my credit file, as your verification is legally deficient.

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 2025-08-29 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: IN

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them.

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Likewise these COLLECTIONS ACCOUNTS are also not mine. 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a bill for {$1100.00} from Midland credit management front regarding a XXXX XXXX XXXX XXXX account and I did not apply for this card or account I just got a bill I never got received a card even I got a bill for this amount and I never purchased anything with any of this company by nothing to do with this company. I am XXXX XXXX XXXX I have a bank account I've had for several years with a checking and savings and a credit amount if I need any credit it is at my disposal at my bank. I never applied for this card and never wanted the account with this company thank you XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint Regarding Unjustified Closure of My Citibank XXXX Credit Card To Whom It May Concern, I am writing to formally lodge a complaint regarding the recent closure of my Citibank XXXX credit card account. 

On XX/XX/year>, Citibank unilaterally decided to terminate my account without providing any specific reason, other than a vague statement in an email that : after reviewing your account we decided to terminate our relationship. 

This action is deeply concerning for several reasons : Excellent Payment History In the 25 years I have held this card, I have never been late with a payment. This fact can be easily verified by reviewing my monthly statements. 

Impact on XXXX XXXX My Citibank card is tied directly to my XXXX membership, which I have maintained for 25 years. By closing my credit card, Citibank has negatively affected my long-standing XXXX account and benefits. 

Loss of Earned Cashback On average, I receive about {$500.00} annually in cashback rewards through this card. By closing the account without my fault, Citibank has effectively withheld my accumulated cashback benefits, which I believe I am rightfully entitled to. 

Lack of Transparency The closure decision was made without explanation, despite my excellent credit history and responsible use of the account.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Issue : Mobile check deposit funds being wrongfully held without required written exception notice. 

Details : I deposited my {$1100.00} payroll check from my employer ( XXXX ) using Chimes mobile check deposit feature on Friday, XX/XX/year>, at approximately XXXX XXXX. Chime confirmed receipt of the deposit on Monday, XX/XX/year>. 

Since then, my funds have been placed on hold, and I have not received access to even the minimum {$220.00} required by Regulation CC to be made available the next business day. I have contacted Chime support multiple times and asked for the written exception notice that federal law requires when a hold goes beyond standard availability.

Instead of providing this notice, Chime agents have only given vague responses such as every check has a hold or this is to ensure the check will not bounce. They continue to cite internal policy but can not provide the legally required written explanation.

This has left me unable to access my paycheck in a timely manner and placed significant financial hardship on me.

Violations : Chime has failed to comply with Regulation CC regarding funds availability.

Chime has failed to provide the required written exception notice explaining why my deposit is being held longer than standard availability schedules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo responded to prior CFPB complaint saying the issue was resolved. Unfortunately, it is not. After reinstalling the Venmo app on my phone, it does not allow me to add debit card or the bank account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my Equifax credit report, I noticed two accounts incorrectly reported with late payments despite clear evidence that both were either fully paid or current. The first account, XXXX ending XXXX XXXXXXXX XXXX XXXX XXXX XXXX, is closed and paid with a XXXX balance and no past due amount, yet it shows a late payment dated XX/XX/year>. The second account, XXXX XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX, is similarly misrepresented, showing a delinquency that is inconsistent with my records. These inaccuracies mislead anyone reviewing my credit history, suggesting I failed to meet my financial obligations when in fact I have managed both accounts responsibly and timely. 

Equifaxs reporting here is a violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain the maximum possible accuracy in credit reporting. Publishing late payments for accounts that are fully satisfied or in good standing with no past due balance is a clear breach of this requirement. Additionally, 15 U.S.C. 1681i obligates Equifax to conduct a reasonable and complete reinvestigation when a consumer disputes inaccurate information. Simply accepting unverified statements from furnishers without requiring proof of the alleged late payment constitutes negligence and failure to comply with federal law.

The impact of these errors on my life has been substantial. I have experienced repeated stress and frustration dealing with the fallout from these inaccuracies, including XXXX  about being unfairly judged by lenders and financial institutions. These false notations have complicated my ability to obtain credit under favorable terms and have caused unnecessary mental strain due to the repeated effort of identifying and disputing information that should never have been reported inaccurately in the first place. This constant back-and-forth over issues that were never my responsibility is mentally exhausting and completely avoidable.

Company response to consumer: Closed with non-monetary relief