vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected 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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: AP

Complaint narrative:
Explanation of My Complaint : Previously, XXXX has begun drastically reducing credit limits for many cardholders, including myself, with little to no explanation or prior notice. On XX/XX/2024, I discovered that my XXXX credit limit had been slashed from {$23000.00} to {$7900.00} without any warning. I was not notified in advance, and the only communication I received was a vague email dated XX/XX/2024, citing a " periodic review '' as the reason for the reduction. 
This reduction had an immediate and detrimental impact : My credit utilization spiked from under 10 % to over 50 %, harming my credit score despite my responsible usage and perfect payment history. 
The change disrupted my ability to manage routine expenses, as my card was unexpectedly declined for a grocery order, stranding my family mid-transaction. 
Why This Is Unfair : 1. Lack of Notice : I was not given advance warning or a clear opportunity to address any perceived risk factors.

2. Arbitrary and Unexplained : The reasons provided, such as " periodic review, '' lack transparency and do not align with my financial behavior or payment history.

3. Severe Financial Harm : The abrupt reduction caused unnecessary stress, credit score damage, and disruptions to essential transactions, like groceries or subscriptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
Dont have no knowledge or account with this company

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 2025-10-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024, Wells Fargo unlawfully ran my credit report via the XXXX  credit reporting agency. I never authorized Wells Fargo to run my credit.Wells Fargo violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

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 2025-10-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected 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 non-monetary relief
Consumer complaint received 2025-10-10 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: TN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has this fake account on my credit card report sold it and reporting this fake account on my credit card and being harassed and threatened to sue from XXXX XXXX XXXX  I dont know them nor recognize this fake account I will sue both of them for harassment falsely claiming and slander i need this off my credit credit asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I, XXXX XXXX, am filing this formal complaint and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and CFPB enforcement authority, regarding unauthorized credit inquiries and fraudulent accounts that have appeared on my consumer credit reports without my consent, knowledge, or any legitimate business purpose.

This complaint is being submitted to the CFPB for immediate investigation and enforcement, and to be forwarded to Equifax, Experian, and TransUnion to compel compliance under federal law.

II. UNAUTHORIZED CREDIT INQUIRIES The following hard credit inquiries were made without my authorization or permissible purpose, in direct violation of the FCRA, specifically 15 U.S.C. 1681b ( f ) : Ally Financial XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX  I have never applied for credit or given written or electronic consent for either of the above entities to access my credit file. These inquiries were made without a permissible purpose, rendering them unlawful under 15 U.S.C. 1681b ( a ) and 1681n, which establish civil liability for willful noncompliance.

III. FRAUDULENT ACCOUNTS Additionally, the following accounts appear on my credit reports and are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX I did not open, authorize, or benefit from any account with the above creditors. These accounts were opened without my knowledge or consent, constituting identity theft and a violation of the FCRA 1681c-2, which provides consumers the right to block information resulting from identity theft.

Pursuant to the FTC Identity Theft Rules ( 16 C.F.R. 603.3 ), these furnishers and credit bureaus are now legally required to block and delete these fraudulent accounts from my file within four ( 4 ) business days of receiving proof of identity and this formal notice.

IV. FEDERAL RIGHTS AND DEMAND FOR ACTION Under the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), I am invoking my federal right to : 1. A full investigation and deletion of any unauthorized or inaccurate information ; 2. Removal of all inquiries made without permissible purpose ; 3. Notification to all parties who have received my credit report containing this information ; and 4. Compensation and legal recourse for damages arising from willful or negligent noncompliance.

Failure to comply may result in legal action seeking all available remedies under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), including actual damages, statutory damages up to {$1000.00} per violation, attorneys fees, and punitive damages.

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

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Kikoff Inc.
State: NM

Complaint narrative:
I found their website offering a credit line that would build your credit over time. I signed up for it and they said I was approved. But I never received any card or any type of actual credit in a store or anywhere. Then I found out on my credit report that they sent me to collections for this credit ive never ever received. What exactly would I be paying them for if they did nothing for me whatsoever? This needs resolved immediately and they need to be shut down for unfair business practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-10 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
Klarna Order Reference : XXXX XXXX Merchant Order Reference : XXXX I was charged through Klarna for an XXXX stay at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, a property zoned XXXX, where I was hounded by neighbors because short-term rentals are prohibited by XXXX XXXX XXXX, which I did not know, assuming Airbnb would not allow an illegal listing to be hosted on their website. 

When reaching out to code compliance after my stay, I was told the listing was, in fact, illegal. I then reached out to XXXX and demanded they fix this as I was given a fraudulent service. XXXX  Order Specialist " XXXX '' responded and claims XXXX assesses and evaluates regulations but refused to acknowledge the illegal listing, later confusedly saying in the same response that " XXXX does not have regulations applicable in the host 's area '' ( directly contradicted by the fact that it's an open code violation ). 

Given this, XXXX knowingly allowed and profited from this illegal listing. They refused to redress this even after I provided the zoning code and cited the active XXXX XXXX XXXX XXXX incident case # XXXX ( Inspector XXXX XXXX ). Klarna initially took on my dispute but later said XXXX gave them a generic invoice is correct response after requesting materials, ignoring the fraudulent listing. In XXXX final letter, their investigator recommended to escalate to the CFPB and XXXX  Attorney General, confirming this is not a billing issue but misrepresentation and an unlawful transaction.

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

Complaint narrative:
I am writing to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collections, late-closed accounts, and an inquiry associated with a disputed account. Upon reviewing my credit file, I have identified discrepancies, incomplete reporting, and items that may be unverifiable under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXX/XX/year> Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request a reasonable investigation. Additionally, FCRA 607 ( b ) requires credit reporting agencies to ensure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from reporting information they know or should know to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the accounts in question include XXXX - XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

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