vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
Re : XXXX XXXX XXXX XXXX XXXX False, Conflicting, and Illegal Reporting ( Experian vs TransUnion ) Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX To Whom It May Concern : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} I am filing a formal complaint regarding severe reporting violations related to the account listed under XXXX XXXX XXXX XXXX XXXX where Experian and TransUnion are reporting contradictory and impossible information, resulting in ongoing credit damage. 

1. Major discrepancy : Experian reporting activity years after account closure TransUnion reports : Account closed on XX/XX/XXXXXXXX  Last payment XX/XX/XXXXXXXX  Charge-off consistent with a XXXX closure Experian, in direct conflict, reports : Balance updated XX/XX/XXXXXXXX  A " charged off '' status since XXXX  but with new activity in XXXX  {$2100.00} past due years after closure This is impossible and constitutes illegal re-aging, misreporting, and failure to maintain accuracy. 

2. Violated federal laws The discrepancies violate : FCRA 1681e ( b ) duty to maintain accurate, verifiable reporting FCRA 1681i failure to properly reinvestigate disputed information FCRA 623 ( a ) prohibition on furnishing false or unverified data Regulation F ( 12 CFR 1006.30 & 1006.38 ) Prohibits reporting a debt without substantiation Prohibits misleading or inconsistent account information Prohibits any conduct that distorts the true status of the debt No substantiation has been provided, and Experian continues to update false data. 

3. Ongoing harm These errors are causing measurable credit damage and obstructing my ability to obtain financing. The data being published is materially false and misleading.

4. Requested CFPB action I request that the CFPB : Require Experian to correct or remove the false account.

Investigate why Experians data contradicts TransUnion. 

Require substantiation from the furnisher under Regulation F. 

Review whether illegal re-aging and inaccurate reporting occurred. 

Please acknowledge receipt of this complaint and initiate an investigation. 

Sincerely, 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 2025-11-27 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The company repossessed the vehicle without notice. Personal Items are in the vehicle and the company is refusing to allow me to gather my belongings. 

15 USC1692F

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 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: CA

Complaint narrative:
Klarna Inc. is calling, sending emails about two different charges connected to XXXX. I disputed through company let them know I have no knowledge of these charges. I did not authorize those purchases with Klarna or XXXX. I have document showing proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-27 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-27 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 explanation
Consumer complaint received 2025-11-27 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: AZ

Complaint narrative:
Bank errors related to billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to accurately reflect payments and credits, yet multiple violations have occurred : payments I made were not properly recorded, and there are blatant calculation errors in the reported amounts. Furthermore, I was not provided with the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a clear breach of federal law and unjustly undermine my credit standing.

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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
In XXXX XXXX I discovered a 90-day delinquency and a large drop in my credit score. This was the first time I knew anything was wrong. The servicer sent all notices to my mothers address, email, and phone number. I only lived there briefly after college, and since then I have moved multiple times due to my spouses military orders. I was not living there when they sent notices, so I never received any billing statements or delinquency notices.

As soon as I found out, I immediately logged in, paid all overdue amounts, and set up payments. I asked the servicer to provide proof of proper notice and to correct the inaccurate 90-day late, but they have not fixed it. I am requesting removal of the false delinquency and updated credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
I have been writing to Dave via email and attempting to log in so that they can close my account and whenever I request this - I revive an AI generated email telling me to login and close the account but I can not close the account because whenever I attempt to login, the app tells me that my email is banned or unverifiable and they charge me XXXX per month for services I no longer use and can not log into. They have been charging me XXXX per month for 5 months and they refuse to close my account manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have spoken to several representatives from Capital One XXXX to dispute a remaining charge from XXXX XXXX XX/XX/XXXX. ( See attached PDF 's to Capital OneXX/XX/XXXXexplaining the accounts of what took place, as well as documentation Capital OneXX/XX/XXXX requested for the dispute. ) The Capital One CaseXX/XX/XXXX is : XXXX. This has been active for several weeks. 

I also called XXXX XXXX XXXX in XXXX, Florida on XX/XX/year>2025, seeking a resolution, and spoke to a person named XXXX. After explaining the events of XXXX XXXX, 2025, XXXX stated that XXXX would not grant us a refund of any outstanding charges. 
As mentioned in the attached PDF : XXXX ) XXXX XXXXXX/XX/XXXX assertion of my wife and I being a no-show for our cruise is patently false & has no proof. 
XXXX ) In addition, XX/XX/XXXX representative, XXXX XXXX, lied to us when she stated on XX/XX/year>2025 that, since we purchased XXXX travel insurance, that our trip was covered due to our cancellation. 
XXXX )XX/XX/XXXX Guest Ticket Contract, page XXXX, states that to cancel a trip, Cancellations must be telephoned to XXXX XXXX Department. However, no phone number or website link is provided therein. This is not a good-faith practice where a company purposely does not include all information within its contract, hence making it impossible to cancel a reservation, to the detriment of the consumer. 
XXXX ) XX/XX/XXXX attempts to enforce a contract that does not apply as we did not board the cruise ship, hence we did not agree to the terms, which makes this contract unenforceable, its terms do not apply, nor do any penalties. 

Yet, despite all these things, Capital One XXXX still believes the merchant did nothing wrong and will not reimburse me the remaining cruise ship charges. They deliberately ignore terms and conditions in a written contract, and believe that a " checkbox '' acceptance takes precedence. So, per the conversation with Capital One XXXX on XX/XX/scrub> 2025, they are refusing to issue a credit to my card for the {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-11-27 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: GA

Complaint narrative:
I am submitting this follow-up complaint to dispute several inaccurate and misleading entries being reported on my credit files as late open accounts by your Experian, Equifax, Transunion. Upon reviewing my reports. I noticed a repeated pattern of accounts showing late payments and open statuses that are inconsistent with my actual credit history and activity. XXXX XXXX XXXX Balance {$1400.00} XXXX XXXXL XXXX XXXX XXXX Balance $ {$19000.00} XXXX XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXX Balance {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I just checked my report again and unauthorized inquiry is still there, which is very upsetting. It did not disappear even after refreshing my browser, so I urgently request that the documents I provided get examined properly so I can finally stop worrying about this nightmare.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-26 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: MI

Complaint narrative:
I am submitting this complaint because Equifax is reporting a repossession for XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been verified without proper documentation in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed this repossession online. The bureau marked the account as verified, but no reinvestigation results or verification documents were provided. 

I then mailed a formal written dispute demanding full verification under FCRA 15 U.S.C. 1681i ( a ). A repossession can not be legally verified without the following : The original signed retail installment sales contract The Notice of Intent to Repossess The Notice of Sale / Notice of Deficiency Proof of sale date Proof of sale proceeds Full accounting of how proceeds were applied to the balance Chain of assignment if the account was ever transferred I specifically requested that the bureau obtains copies of these documents from the furnisher. 
To date, no bureau has provided any documentation, nor have they provided a method of verification as required under F

CRA 1681i ( a ) ( 6 ) ( B ) ( iii ). The account continues to be reported without proper verification, which is a violation of : FCRA 607 ( b ) Duty to maintain accuracy FCRA 611 ( a ) Reinvestigation of disputed information FCRA 611 ( a ) ( 6 ) Requirement to provide method of verification FCRA 611 ( a ) ( 7 ) Consumers right to request method of verification I am requesting that the CFPB require Equifax to : 1. Produ
ce the actual furnishing documents used to verify the repossession, OR 2. Delete the repossession from my credit report for failure to verify as required by federal law. 

The furnisher and the credit bureau has failed to comply with federal verification requirements, and I am requesting CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
TransUnion is reporting several accounts that are inaccurate, incomplete, and legally unverifiable in violation of FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ). My previous disputes received form responses instead of a reasonable investigation as required under XXXX v. TransUnion and XXXXXXXX XXXX XXXXXXXX XXXX XXXX. The following accounts are being reported without proper documentation : XXXX XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$24000.00} ), XXXX XXXX XXXX ( {$5800.00} ), XXXX XXXX XXXX ( {$6200.00} ), XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  charge-offs ( {$5400.00} ; {$1000.00} ; {$1000.00} ), and XXXX XXXX  ( {$410.00} ). The furnishers can not produce any original contract, application, signature, billing history, or chain-of-ownership. UndeXXXX XXXX XXXX XXXX, a furnisher must have reliable evidence to verify a debt ; otherwise, the CRA must delete it. TransUnion is publishing inconsistent dates, improperly aged delinquencies, and unverifiable balances. This violates the maximum possible accuracy mandate of FCRA 607 ( b ). Because TransUnion can not verify the accuracy of these accounts, FCRA 611 ( a ) requires deletion. I request removal of all listed accounts and a written explanation of the reinvestigation procedures used, as required under 611 ( a ) ( 6 ) ( B ) ( iii ). These accounts remain on my report despite being unverifiable and inaccurate, and I am asking CFPB to compel TransUnion to correct or delete them.

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