vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Account Number ( last 4 digits ) : XXXX Dear Portfolio Recovery Associates, I am writing in response to a notice I received regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this debt. 

Please send me the following information : The name and address of the original creditor ( XXXX / XXXX XXXXXXXX XXXX ) The full amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges A copy of the original signed agreement or contract creating the debt A copy of the bill of sale or assignment proving your legal right to collect this debt Any judgments or legal documents associated with this account Until this information is provided, I request that you cease all collection activity. This includes calls, letters, or reporting this debt to credit reporting agencies. 

Be advised that any failure to comply with this request may be a violation of the FDCPA and I will consider all legal remedies available to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because there are XXXX total accounts and inquiries on my credit report that are completely unauthorized and inaccurate. These items appeared between XXXX and XX/XX/2024, and I did not apply for, authorize, or open any of them. Despite my repeated disputes, the credit bureaus and companies involved have failed to properly investigate or remove these fraudulent items. 

The following are the specific companies and actions in question : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and unauthorized account XX/XX/2024 XXXX. XXXX XXXX XXXX inquiry and unauthorized account XX/XX/2024 XXXX. XXXX XXXX inquiry XX/XX/2024 XXXX. Avant Unauthorized personal loan account XX/XX/2024 XXXX. XXXXXXXX XXXX Unauthorized credit card account XX/XX/2024 XXXX. XXXX XXXX Unauthorized secured card account XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXXXXXX inquiry and negative account XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX account XXXX late XX/XX/2024 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX inquiry XX/XX/2024 XXXX. XXXX XXXX Unauthorized account XX/XX/2024 XXXX. XXXX XXXX XXXX credit account XX/XX/2024 XXXX. XXXX Hard inquiry and inaccurate reporting XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXXXX account not XXXX to me XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX account I never authorized XX/XX/2024 I have disputed each of these items with Experian, Equifax, and TransUnion since XX/XX/2024, but none of the companies have provided verification or proof that these accounts are legitimate. The bureaus and furnishers have instead continued to report them, in violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and 1681s-2 ( b ), which require proper investigation and deletion of unverifiable information.

These false accounts and inquiries have significantly lowered my credit score, caused financial hardship, and limited my access to fair credit opportunities. I have followed every dispute process in good faith, but these errors remain.

I am requesting that all 14 unauthorized and inaccurate accounts and inquiries be permanently deleted and that my credit report be restored to its accurate standing immediately.

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 2025-10-14 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a complaint against Captial regarding deceptive practices related to their 360 " high yield interest '' savings account. Captial misrepresented the 360 savings account has having one of the nation 's highest interest rate, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account.This deliberate obscurity and lack of transparency violated consumers trust and resulted in significant financial losses for many, breaching the consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and the failure to fulfill their advertise promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AR

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an account reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the account continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-10-14 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: AR

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an account reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the account continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Klarna AB
State: CA

Complaint narrative:
I made a purchase from XXXX XXXX using Klarna as the payment method. I later returned the items, and instead of refunding Klarna, XXXX XXXX issued me a store gift card without my consent. Klarna confirmed that since the refund was not sent to them, I still owe the full balance, even though I do not have the products or my money back. 
XXXX XXXX refuses to return the money to Klarna and insists that their policy only allows refunds as gift cards for Buy Now, Pay Later purchases. I was never made aware of this policy at the time of purchase. Now, I am left with store credit I did not ask for and a debt with Klarna for a product I returned. 
I believe this is an unfair business practice, and I am requesting that Klarna and XXXX XXXX coordinate so that the refund is properly sent to Klarna and the balance is removed from my Klarna account. 
On XX/XX/2025, I placed an order with XXXX XXXX for a total of {$310.00}, using Klarna as my payment method ( Order # XXXX ). 
I returned several of the items from this order and kept only a few. I have already paid Klarna for the items I kept. However, Klarna continues to show that I owe {$210.00}, due on XX/XX/2025, which is incorrect because that amount was for the items I returned. 
I have made the following payments to Klarna : XX/XX/2025 {$78.00} XX/XX/2025 {$8.00} XX/XX/2025 {$8.00} XX/XX/2025 {$8.00} I contacted Klarna customer service multiple times to resolve this issue, explaining that XXXX  XXXX has already received the returned items and that I should not be charged for them. Despite my attempts, Klarna has not corrected the balance and insists that I owe {$210.00}. 
Klarna has failed to investigate the dispute properly or provide any clear explanation. I am requesting that Klarna review my account, confirm the returns with XXXX XXXX, and remove the incorrect {$210.00} charge from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: WA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXXIncorrect Name : - XXXXXXXX XXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXXIncorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

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 2025-10-14 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: CO

Complaint narrative:
Exprian dose not do investigations properly or just dose not care about removing wrong information and false acounts on my credit and it is a problem.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Condition Open Responsibility Individual Current Balance {$0.00} Original Balance {$1500.00} Limit XXXX XXXX  Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information CHIME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone # : XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Open Responsibility Individual Current Balance {$0.00} Original Balance {$1500.00} Limit $ XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Secured credit card|Fixed rate Creditor Information Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Open Responsibility Individual Current Balance {$0.00} Original Balance {$1500.00} Limit $ XXXX  Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit line secured Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information CHIMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
The original collection account under XXXX XXXX Account # XXXX was deleted on XX/XX/year> from all credit bureaus after a successful dispute and verification failure. 

Despite that, a new collector, XXXX XXXX ( Account # XXXX ), has reappeared on my credit reports reporting the same {$540.00} balance, with inconsistent and fabricated dates to make the debt appear new. 

This conduct constitutes : Unauthorized re-aging of a deleted debt Illegal re-reporting of a previously disputed account Deceptive collection activity under the FDCPA and FCRA Key Irregularities and Evidence Re-Aging of Debt XXXX XXXX ( Deleted XX/XX/year> ) had the same alleged balance : {$540.00}. 

XXXX XXXX reports the Date Opened as XX/XX/year>, months after the prior deletion, which is a false date designed to re-age the account and restart the reporting clock. 

False Date of Activity / Reinserted Data XXXX  lists Last Activity as XX/XX/year>, TransUnion lists Last Activity as XX/XX/year>, Both are impossible since the account was deleted from all CRAs before these dates. 

Illegal Recollection Attempt XXXX XXXX  is attempting to collect a debt already settled or invalidated through XXXX XXXX deletion. 

This constitutes continued collection activity on a disputed, unverifiable, and deleted debt. 

No Consumer Authorization or Validation I have never received any validation notice or debt ownership transfer letter proving XXXX XXXX has a legal right to collect or report this account. 

Legal Violations FDCPA Violations 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) Reporting false credit information and failing to mark the debt as disputed.

15 U.S.C. 1692f ( 1 ) Collection of amounts not authorized by agreement or law.

15 U.S.C. 1692d Harassment and deceptive practices through continued collection after deletion.

FCRA Violations 15 U.S.C. 1681i ( a ) Failure to reinvestigate after deletion and dispute.

15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Continuing to report false data after notice of dispute.

15 U.S.C. 611 ( a ) ( 5 ) ( B ) Reinsertion of previously deleted information without certification and consumer notice.

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 2025-10-14 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: FL

Complaint narrative:
What happened ( statement of pertinent facts ) : Consumer Name : XX/XX/XXXXName Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. 
This fraudulent, inaccurate, and false information consists of 3 inaccurate accounts from XXXX XXXX XXXX accountXX/XX/XXXX XXXX ( private ) opened on on XX/XX/XXXX Balance {$3100.00} and balance {$2.00} and {$3.00} 2 accounts from XXXX XXXX XXXX accountXX/XX/XXXX( private ) opened on XX/XX/XXXX Balance {$1400.00} and Balance {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation