vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: NY

Complaint narrative:
OKAY SO I USED THIS SERVICE CALLED KLARNA WHICH IS A BUY NOW PAYLATER AND I WENT TO XXXX XXXX AND I USED IT ON A ITEM WHICH RAN ME XXXX OKAY. AND THEN THE SAME DAY I WENT AHEAD AND RETURNED THE ITEM I THEN REPORTED THE RETURN TO KLARNA THEY ACKNOWLEDGED THE RETURN AND SAID ONCE THE MERCHANT ISSUS US THE REFUND WE WILL CLOSE THE ORDER ON KLARNA SO I DONT HAVE TO PAY FOR SOMETHING I DONT HAVE. SO AFTER BEING TOLD THIS I WENT AHEAD AND BOUGHT ANOTHER THING AT XXXX XXXX USING KLARNA AND THAT ORDER CAME OUT TO XXXX. THEY THEN RECIEVED THE RETURNED AMMOUNT OF XXXX AND ISSUED IT TO THE ORDER THAT IM NOT CANCELING AND I KEEP TELLING THEM THAT AND THEY DONT LISTEN THEY KEEP TRYING TO REFUND ME XXXX DOLLARS WHICH DOESNT MAKE SENSE BECAUSE I DONT HAVE TO PAY ANYHTING ON EITHER ORDER UNTIL XX/XX/XXXX. I KEEP TELLING THEM TO SIMPLY CANCEL THE ORDER ON KLARNA AND THEY DONT LISTEN

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I've been a Navy Federal Credit Union member since 2021, and I called in to their contact center last week, I believe. That representative was very kind and compassionate. I informed her I am dealing with a family tragedy and we've been in the hospital for over a month now. The representative gave me two options, I could speak with NFCU 's loan department to see about possibly obtaining a loan, or I could open up a second checking account and add OOPS ( Optional Overdraft Protection Service ) to that second checking account. I opted for the latter, which she said was fine, but that the account would have to be open for at least 24 hours and I would have to take care of my past due credit card payment, which I have since done. Today, XX/XX/XXXX, I called in to enroll my new checking account into the OOPS, but the representative was useless and told me that it wasn't possible, she didn't even try, so I asked to speak with her supervisor, who was also less than helpful and stood behind " policy ''. I was promised something ON A RECORDED LINE by a representative from NFCU, so I want that promise honored. Your representatives need to get their story straight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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: FL

Complaint narrative:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within XXXX ( XXXX ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with TRANSUNION, the following fraudulent account was reinserted on my credit report : XXXX XXXX XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet TRANSUNION, reinserted it without proper validation. 
According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure TRANSUNION, complies with the law by blocking this fraudulent account immediately and confirming the action.

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding repeated and unsolicited phone calls from Portfolio Recovery Associates. These calls are unwanted, intrusive, and without valid reason. Despite not having any active accounts or verified debts with the company, they continue to contact me, often multiple times per day, from different phone numbers. The calls are disruptive, constitute harassment, and appear to violate the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
INQUIRIES : XXXX XXXX  XX/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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I object to the reporting of items connected to accounts I did not authorize. Please verify the accuracy and remove them accordingly. Enclosures accompany this letter.

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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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: TX

Complaint narrative:
I am submitting this formal complaint regarding EXPERIAN 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. XXXX, I disputed several fraudulent accounts and provided EXPERIAN with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EXPERIAN failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores EXPERIAN 's failure to uphold consumer protections under the FCRA

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Cease and Desist All Communication Regarding Alleged Debt FDCPA Compliance To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 
Please be advised that I do not wish to be contacted about any alleged debt. This includes phone calls, letters, emails, text messages, or any other form of communication, either to me directly or to third parties. 
If you believe I owe a debt, I request that you provide the following : Written validation of the debt, including the amount and the name of the original creditor. 
Proof that you are legally authorized to collect this debt in [ your state ]. 
Be advised that if you continue to contact me after receipt of this letterother than to notify me of legal action you intend to takeI will consider it a violation of the FDCPA and will report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and may seek legal remedies.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

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 — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Cease and Desist All Communication Regarding Alleged Debt FDCPA Compliance To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 
Please be advised that I do not wish to be contacted about any alleged debt. This includes phone calls, letters, emails, text messages, or any other form of communication, either to me directly or to third parties. 
If you believe I owe a debt, I request that you provide the following : Written validation of the debt, including the amount and the name of the original creditor. 
Proof that you are legally authorized to collect this debt in [ your state ]. 
Be advised that if you continue to contact me after receipt of this letterother than to notify me of legal action you intend to takeI will consider it a violation of the FDCPA and will report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and may seek legal remedies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased apple care from the apple store in XXXX, New york. It cost me {$120.00}. I was told that my chase card payment was declined and I was told to use a different card by the apple store sales person. Then i used my discover credit card and the purchase went through. 
When I came home I saw that chase also charged me the XXXX and discover also charged me. I called XXXX and they said the payment made from Chase card was declined and they only charged me once and I should contact chase to solve this. I reported this to Chase bank but they are not doing anything about this.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3200.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$5200.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} INQUIRIES : XXXX XX/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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Following my legal name change after marriage on XX/XX/year>, I lawfully updated my identity from XXXX XXXX XXXX to XXXX XXXX XXXX. 

I submitted official documentation including my U.S. passport card, marriage license, and current utility bill to each credit bureau to ensure that my records reflect only my current legal name. 

However, I recently noticed that at least one credit bureau appears to have combined or retained both surnames, displaying my name as XXXX XXXX XXXX XXXX or a similar variation. While I am not certain all bureaus have done this, I am requesting each bureau to review my credit file to confirm whether any improper combination or retention of identifiers exists and to correct it as needed. 

Retaining outdated or merged identifiers can cause confusion, misidentification, and reporting inconsistencies. My legal name is now XXXX XXXX XXXX and should appear exclusively as such across all credit files and related systems. 



Applicable Law FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to ensure maximum possible accuracy of all information, including consumer identifiers.

FCRA 611 ( a ) ( 1 ) ( A ) provides consumers the right to dispute and require correction of incomplete or inaccurate personal information.

FCRA 611 ( a ) ( 5 ) ( B ) mandates written notice if deleted or corrected information is reinserted into a credit file. 
RCW 19.182.070 ( Washington State ) requires credit agencies to reinvestigate and correct incomplete or unverifiable information within 30 days once notified by the consumer.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Following my legal name change after marriage on XX/XX/year>, I lawfully updated my identity from XXXX XXXX XXXX to XXXX XXXX XXXX. 

I submitted official documentation including my U.S. passport card, marriage license, and current utility bill to each credit bureau to ensure that my records reflect only my current legal name. 

However, I recently noticed that at least one credit bureau appears to have combined or retained both surnames, displaying my name as XXXX XXXX XXXX XXXX or a similar variation. While I am not certain all bureaus have done this, I am requesting each bureau to review my credit file to confirm whether any improper combination or retention of identifiers exists and to correct it as needed. 

Retaining outdated or merged identifiers can cause confusion, misidentification, and reporting inconsistencies. My legal name is now XXXX XXXX XXXX and should appear exclusively as such across all credit files and related systems. 



Applicable Law FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to ensure maximum possible accuracy of all information, including consumer identifiers.

FCRA 611 ( a ) ( 1 ) ( A ) provides consumers the right to dispute and require correction of incomplete or inaccurate personal information.

FCRA 611 ( a ) ( 5 ) ( B ) mandates written notice if deleted or corrected information is reinserted into a credit file. 
RCW 19.182.070 ( Washington State ) requires credit agencies to reinvestigate and correct incomplete or unverifiable information within 30 days once notified by the consumer.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
An incorrect debit/overpayment was made. I requested the refund to be sent back to me electronically via ACH to the original funding account. The company refused and insisted on a check. I want the full incorrect amount transferred back to my bank account ending in XXXX and the check that they issued to be canceled.

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