vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-14 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding the following collection account that is appearing on my credit report : CXXXX XXXX XXXX  Account # XXXXXXXX XXXX  Date Opened : XX/XX/year> High Balance : {$430.00} Status : Collection * * I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative item is harming my credit report without any valid basis. I am requesting a full investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
No money was taken or returned. Pay Pal kep sending me notices they needed my new bank account info for any future service. I advised my account info had been changed due to a fraudulant charge and that I wanted them to close my Pay Pal account. They refused to close my account. Even though they no longer have my current banking info they refuse to close the account even though no money is owed. They basically advised me I could not close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$460.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$610.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$29.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$590.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : 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 2025-11-14 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: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
I am submitting a complaint regarding the following collection account that is appearing on my credit report : SUNRISECRED Account # XXXXXXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$1500.00} Status : XXXX XXXX XXXX I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative collection account is harming my credit report without any valid basis. I am requesting a full investigation into 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 explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am submitting this dispute regarding the following items on my TransUnion credit report. These charged-off accounts and bankruptcy record require investigation and correction : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX : XXXX  Case Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Trying to refinance vehicle through Autopay, but they told me my Experian credit was frozen/locked. I called Experian, and they tell me that it's not locked/frozen. I called Autopay back, and they says it's frozen/locked and to call Experian. Please help, I just want to refinance my car. This was all done via phone call, so I do not have documents ; both Autopay and Experian record their incoming calls though.

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 2025-11-14 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was denied credit at a store and recieved info stating that i had bad accounts on my report. that prompted me to take a look at my report and i discovered their were multiple acount that i was not aware of and did not authorize. I then looked further into the matter and also discovered that i had been a victim of Transunion XXXX XXXX  date breach. I emmediatly filed a police report in regards to the unauthorized accounts and made a FTC REPORT. I then furnished all of the aboved information and requested validation of the listed accounts and was not giving that info but the inaccerate and fraudulent account were still reporting. Under 15 U.S.C. 1681c-2 ( a ) I request to block & delete these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
I am submitting this dispute regarding the following items on my TransUnion credit report. The items listed as charged-off accounts and inquiries require review and correction : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : 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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

Complaint narrative:
I received a notice from Klarna indicating that I owe a debt under account number XXXXXXXX XXXX XXXX. However, the notice did not provide enough specific details to verify the debts legitimacy or accuracy. Specifically, the notice failed to include :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Kikoff Inc.
State: GA

Complaint narrative:
I requested my kikoff account to be closed in XXXX, Kikoff refunded me the charge of {$35.00} for the month and {$80.00} for the credit account along with email confirmation. I continued to receive emails about services and called about these concerns. I continued to receive emails that the account was closed but am continuing to get the {$35.00} a month charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
1. Charged-Off Account XXXX XXXX ( Acct : XXXX, Date : XXXX ) I dispute this charged-off account. 

The account number and dates do not match any account I recognize. 

No validation has been provided to prove the debt or the balance of {$1300.00}. 
I request a full investigation and removal if the information can not be confirmed. 

2. Inquiry XXXX XXXX ( XX/XX/year> ) I did not authorize this inquiry. Please provide proof of permissible purpose or remove the inquiry. 

3. Late Payments XXXXXXXX XXXX XXXX  ( Acct : XXXX ) These late payments are reported inaccurately. I request documentation supporting the late reporting. Remove if unverifiable. 

4. Late Payments XXXX XXXX XXXX ( Acct : XXXX ) I dispute these late payments as inaccurate. Please validate and correct or delete them. 

5. Late Payments XXXX XXXX XXXX XXXX XXXX  Acct : XXXX ) These reported late payments appear incorrect and do not match my records. I request validation or removal.

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 2025-11-14 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: FL

Complaint narrative:
There are multiple accounts on my credit report that contain clear billing and reporting errors made by the creditor. These mistakes are directly harming my credit standing. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to accurately apply payments, record credits, and ensure that all reported amounts are correct. However, several payments I made were not properly posted, and there are obvious calculation discrepancies in what is being reported. On top of that, I was never given the mandatory 21-day notice before a payment was due, which invalidates any late payment marks placed on my report. These issues constitute a violation of federal law and have caused significant and unfair damage to my credit profile.

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 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
In XXXX, I took out federal consolidation loans that were serviced by XXXX and later transferred to MOHELA. Between XXXX and XXXX, my account was placed into more than 30 forbearance periods, many labeled Administrative Forbearance, which I did not request. During these years, XXXX repeatedly capitalized interest quarterly and at the end of nearly every forbearance periodfar more often than allowed under the Higher Education Act, which permits capitalization only once per qualifying event ( e.g., end of forbearance or deferment ). This excessive capitalization inflated my principal from approximately {$48000.00} to nearly {$60000.00}, despite a fixed rate of 2.875 %. One entry dated XX/XX/XXXX even lists Capitalized Interest Forbearance Quarterly, Capitalized Interest Adjustment, suggesting retroactive correction or recalculation. These servicing patterns are consistent with those cited in prior CFPB enforcement actions against XXXX. I am requesting a full review of all forbearance and capitalization activity, reversal of improperly capitalized interest, and re-amortization of the account to reflect what the balance should have been under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: OK

Complaint narrative:
Have a Cash App account and recently in XXXX they started to clean my account out with fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: CA

Complaint narrative:
I received a notice from EDFinancial stating that I owe a debt under account number XXXXXXXX XXXX XXXX However, the notice was vague and did not provide sufficient details to verify the accuracy or legitimacy of the debt. Specifically, the notice failed to include :

Company response to consumer: Closed with explanation