vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: FL

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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, 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 2025-08-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: TX

Complaint narrative:
I HAVE RECENTLY TRIED ACCESSING MY CASH APP ACCOUNT THROUGH THE APP ON MY PHONE, AND WHEN DOING SO, I RECEIVE AN ERROR MESSAGE THAT SAYS, " ACCOUNT IS CLOSED, SO YOU WON'T BE ABLE TO CONTINUE. '' THEN IT SAYS WE HAD TO CLOSE YOUR ACCOUNT BECAUSE IT WAS LINKED TO A TERMS OF SERVICE VIOLATION. 

" YOU CAN'T ACCESS MOST FEATURES OF THE APP, BUT YOU'LL STILL BE ABLE TO WITHDRAW REMAINING FUNDS. '' IF YOU THINK THIS IS AN ERROR, YOU MAY BE ABLE TO APPEAL THIS DECISION. TAP TO LEARN MORE. '' I CALLED CUSTOMER SERVICE AND THEY TOLD ME MY ACCOUNT IS NOT FULLY SET UP AND THAT I NEEDED TO CHAT WITH CUSTOMER SERVICE. SO I DID AND THEN THE CHAT CUSTOMER SERVICES IS NOT GIVING ME ANY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is inaccurately reporting my auto lease account as a charge-off. The account history shows no late payments ( XXXX ), yet the status is listed as charge-off and profit and loss write-off. This is contradictory and factually inaccurate. 

1. My lease was paid in full and closed.

2. After lease termination, I was billed for mileage overage, which I was paying.

3. At no point was this account delinquent 120+ days, which is the standard required before a charge-off can be reported.

4. Ally directed me to call them, but instead of addressing my dispute, they transferred me to a debt collector. 

The lease was paid in full and closed. A mileage overage bill was issued separately, which I was paying. This should never have resulted in the original lease account being reported as a charge-off, since it was no longer an active " credit '' obligation. At most, the mileage bill is a separate invoiced charge, not a loan or delinquent credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
b'Between XXXX Experian allowed multiple unauthorized third-party entities to access my consumer credit report without my knowledge, consent, or permissible purpose as required by 15 U.S. Code  1681b (FCRA). These hard inquiries were neither initiated by me nor connected to any credit applications or permissible transactions.\n\nI submitted a formal dispute package to Experian via certified mail, including:\n\nAffidavit of Truth and Notice of Claim\n\nList of unauthorized inquiries\n\nTrust-backed enforcement documents\n\nUSPS proof of delivery (Tracking XXXX XXXX XXXX XXXX XXXX XXXX\n\nDemand for removal and response within 15 days\n\nExperian failed to comply with the dispute process, did not respond within the regulatory timeframe, and continues to report the inquiries in violation of federal law. Their silence constitutes acquiescence and bad faith under contract and consumer protection laws.\n\nThis constitutes a willful violation of:\n\nFCRA  604 (15 U.S.C.  1681b)\n\nFair Credit Billing Act\n\nTruth in Lending Act (TILA)\n\nConsumer rights to dispute under 15 U.S.C.  1681i'

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 2025-08-25 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: PA

Complaint narrative:
I was reviewing my credit report and noticed credit card inquiries that I did not authorize. I have reached out to Experian to have these fraudulent inquires removed immediately to no avail.

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 2025-08-25 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: VA

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 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 2025-08-25 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: VA

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 non-monetary relief
Consumer complaint received 2025-08-25 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I tried disputing a fraudulent credit inquiry that was placed on my credit report. Equifax did not thoroughly investigate this issue. Even after providing documentation. I am a victim of multiple data breaches and is requesting to remove the Fraudulent inquiry placed on my credit report XXXX XXXX  I am disputing this account because it was opened as a result of identity theft following a data breach. I did not authorize or apply for this account, nor have I ever used it. Please remove this fraudulent information from my credit file and update my record accordingly. Supporting documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: AL

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

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$0.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Post Lake Lending Inc.
State: OH

Complaint narrative:
I borrowed {$1300.00} from Post Lake Lending ( online ). They are demanding a total of {$10000.00}, with a finance charge of {$9000.00}.

The contract shows an APR of 766.61 %.

I live in Ohio. Under Ohio law ( Ohio Revised Code 1321.40 ), short-term loans are capped at 28 % APR with limited fees.

This company is charging far more than allowed.

I have already paid part of the loan. I dispute any balance above the principal borrowed.

I revoked ACH authorization and any wage assignment in writing.

I also requested a payoff statement limited to principal only and proof of proper licensing in Ohio, but the company has not provided this.

I am requesting that the loan be limited to the principal borrowed ( {$1300.00} ) or considered paid in full if I have already repaid the principal.

I also request that the company stop collection of illegal charges, stop calling me, and correct or remove any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a Texas consumer disputing inaccurate and inconsistent reporting of a XXXX XXXX XXXX ( Acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent written disputes to TransUnion, Experian, and Equifax and am filing this complaint because the tradeline continues to contain contradictions that harm my credit. 

Key inaccuracies and contradictions ( from my attached screenshot ) : High Balance : TU and EQ show {$700.00}, but Experian = {$0.00}, which is impossible for a chargedoff account. 

Credit Limit : TU/EX show {$500.00}, while Equifax = {$0.00}, distorting utilization.

Closed Date : TU shows XX/XX/XXXX ; Experian and Equifax show no closed date.

Date of Last Activity / Last Payment : Conflicting dates (
TU/EX show XX/XX/XXXX last payment ; EQ shows XX/XX/XXXX ; XXXX differs across all three ). 

Date Opened : TU XX/XX/XXXX vs EX/EQ XX/XX/XXXX. 

Dispute Status : TU/EX say Account not disputed, while Equifax shows Account disputed. 

Creditor Type classification differs ( TU/EX Bank Credit Cards vs EQ All Banks ). 

Past Due Amount is carried as {$580.00} while Payment Status = Collection/Chargeoff and Account Status = Closed, which is misleading for post chargeoff Metro2 reporting.

Postclosure derogatories : The twoyear payment history shows XXXX boxes into XXXX despite the TU closed date of XX/XX/XXXX. 

Laws/rights implicated : FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 611 ( reinvestigation & method of verification ), FCRA 623 ( a ) ( furnisher accuracy and duty to correct ), FCRA 623 ( a ) ( 5 ) ( no reaging of the DOFD ), Regulation V, 12 C.F.R. 1022.42.43 ( furnisher policies & direct disputes ), and the Texas Consumer Credit Reporting Act ( Texas Business & Commerce Code, Chapter 20 ) requiring deletion of inaccurate, incomplete, or unverifiable information. ( If any thirdparty collector was involved, Texas Finance Code, Chapter 392 also applies. ) Requested relief : Correct the tradeline to fully consistent, verified data : Closed 12/30/2024 ( or verified date ) ; Balance/Past Due treated per Metro2 for chargeoff ; Status Chargeoff without implying a current past due ; Credit Limit {$500.00} ( or verified ) ; High Balance corrected from {$0.00} at Experian to the true value ; DLA/Last Payment aligned ; no postclosure reaging ; provide the DOFD.

Provide the method of verification and the DOFD used by each CRA.

If the companies can not verify with complete, consistent records, delete the tradeline and notify me in writing.

Harm : These contradictions depress my credit scores and adversely affect access to credit and pricing.

Attachments : Annotated screenshot, copies of disputes to each CRA and to XXXX XXXX, ID and proof of address, CRA responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: CA

Complaint narrative:
I enrolled in Interview XXXX XXXX XXXX XXXX program for {$7000.00}, financed through Klarna in XX/XX/year>XXXX  as a 6-month installment loan. The program was misrepresented at enrollment and failed to deliver as advertised. Within the first month I experienced two weeks of delay just to schedule my first technical coaching session, repeated missed or late sessions, multiple unexplained coach changes, lack of the promised XXXX XXXX XXXX, technical bugs that impeded progress and took months to resolve, unrealistic fast track timelines, pricing discrepancies, and a hard credit check I was told would not occur. When I raised these issues, Klarna repeatedly cited a non-refundable policy, even though such terms do not apply when services are misrepresented or not delivered. Interview XXXX  own explanations have shifted multiple times first claiming I completed 5 mock interviews ( false ), then saying I consumed resources, and more recently stating vaguely that resources align with commitments. This shifting narrative reflects the broader misrepresentation and bad-faith handling of my concerns. I am attaching my full dispute statement with detailed documentation and exhibits ( emails, screenshots, transcripts ) to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I have been going through an incredibly stressful situation after being a victim of identity theft. All of the items I have listed are the result of fraudulent activities, this has had a very negative impact, emotionally speaking, as I have not found a way to put an end to this nightmare. I am right now strong and sincerely asking TRANSUNION to please take immediate action and fix this. I am very distressed, and the situation described has had adverse consequences on my credit, work, social, and even personal life. These are the accounts mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-25 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-08-25 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts XXXX involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 explanation