vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear XXXX XXXX Department, My name is XXXX XXXX and I am writing to formally dispute and demand the removal of incorrect name and address variations appearing on my credit report. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach- Bliley Act ( GLBA ), I have the right to accurate reporting of my personal identifying information. 
Correct Information : Full Legal Name : XXXX Social Security Number : XXXX  Incorrect Names to Be Deleted XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Addresses to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Basis for Dispute : Any other name variations, misspellings, or aliases appearing on my report are inaccurate and must be corrected or removed. 


Any addresses that do not match my current identification must be deleted, as they are outdated, incorrect, or potentially linked to fraudulent activity.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX Department, My name is XXXX XXXX and I am writing to formally dispute and demand the removal of incorrect name and address variations appearing on my credit report. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach- Bliley Act ( GLBA ), I have the right to accurate reporting of my personal identifying information. 
Correct Information : Full Legal Name : XXXX Social Security Number : XXXX  Incorrect Names to Be Deleted XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Addresses to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Basis for Dispute : Any other name variations, misspellings, or aliases appearing on my report are inaccurate and must be corrected or removed. 


Any addresses that do not match my current identification must be deleted, as they are outdated, incorrect, or potentially linked to fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I contacted National Credit Systems ( NCS ) to resolve a XXXX collection account. I was presented with XXXX settlement options : ( 1 ) Pay in full and the account would be marked Paid in Full Settled, or ( 2 ) Pay in full under a verbal pay-for-delete agreement where the account would be deleted from all credit bureaus. 

I selected the pay-for-delete option and paid the full amount immediately. However, within days, the account was updated on my credit report as Paid in Full Settled, rather than being deleted. 

When I called to question this, I was told the pay-for-delete request was submitted but they do not provide any written confirmation, and that it could take up to 60 days to be deleted. This timeline and policy were never disclosed prior to payment. 

The fact that the credit bureaus updated the status just days after payment shows that NCS had the ability to report quickly but chose not to honor the agreement to delete. I asked, How would I know that deletion would take 60 days if you didnt tell me or put it in writing? and the representative had no answer.

This is a deceptive practice that violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I made the payment in good faith based on the verbal pay-for-delete agreement. I am requesting immediate deletion of this account from all credit reporting agencies, as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Charge-Off Accounts on Credit Report To Whom It May Concern, I am writing to formally file a complaint and request an investigation regarding inaccurate and outdated charge-off accounts currently being reported on my credit report. These accounts are negatively affecting my creditworthiness and may not be in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations. 

The accounts in question are listed below : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXXXXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] I am requesting the Consumer Financial Protection Bureau initiate an investigation into these accounts to determine if : 1. The reporting is accurate and verifiable by the original creditor.

2. The charge-offs comply with FCRA requirements, including reporting time limits.

3. Proper validation and documentation were maintained by the reporting agencies.

I have attempted to resolve these matters directly with the credit bureaus and the creditors involved, but I have not received sufficient evidence or justification supporting the continued reporting of these accounts. 


I am requesting that if the reporting creditors can not verify the accuracy and legitimacy of the charge-off entries in a timely manner, these items be permanently removed from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution in accordance with federal law. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Regarding Inaccurate Charge-Off Accounts on Credit Report To Whom It May Concern, I am writing to formally file a complaint and request an investigation regarding inaccurate and outdated charge-off accounts currently being reported on my credit report. These accounts are negatively affecting my creditworthiness and may not be in compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations. 

The accounts in question are listed below : Creditor Name : [ XXXX XXXXXXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXXXXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] I am requesting the Consumer Financial Protection Bureau initiate an investigation into these accounts to determine if : 1. The reporting is accurate and verifiable by the original creditor.

2. The charge-offs comply with FCRA requirements, including reporting time limits.

3. Proper validation and documentation were maintained by the reporting agencies.

I have attempted to resolve these matters directly with the credit bureaus and the creditors involved, but I have not received sufficient evidence or justification supporting the continued reporting of these accounts. 


I am requesting that if the reporting creditors can not verify the accuracy and legitimacy of the charge-off entries in a timely manner, these items be permanently removed from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to a prompt response and a resolution in accordance with federal law. 

Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NV

Complaint narrative:
I MAKE MANYS REQUESTS TO EQUIFAX, TRANSUNION AND EXPERIAN TO RESOLVE THE ERROR IN MY CREDIT REPORT AND DO NOTHING ABOUT IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NV

Complaint narrative:
I MAKE MANYS REQUESTS TO EQUIFAX, TRANSUNION AND EXPERIAN TO RESOLVE THE ERROR IN MY CREDIT REPORT AND DO NOTHING ABOUT IT.

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 2025-04-21 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: Klarna AB
State: NC

Complaint narrative:
I was charged twice for the same hotel reservation booked through XXXX using Klarna. The first charge was {$220.00} and the second was {$210.00}. I paid the correct amount of {$210.00}. The {$220.00} charge was a duplicate, yet Klarna has continued to attempt to collect that amount and even assessed a late fee, despite my multiple dispute attempts. 

Since XX/XX/XXXX, Klarna has submitted at least XXXX disputes with the merchant, but each time failed to show both charges together only presenting XXXX transaction at a time. Because of this, the merchant ( XXXX ) confirmed each individual charge as valid, and Klarna repeatedly denied my dispute. 

I also asked Klarna for transaction documentation to provide to XXXX to prove the duplicate, but they refused to give it to me, even though I used Klarna to complete the transaction. XXXX eventually acknowledged the duplicate charge and tried to issue a refund on XX/XX/XXXX, but Klarnas open dispute status blocked the refund from going through.

Despite knowing this, Klarna continued charging me and added late fees. This has caused me months of stress, financial pressure, and lost time trying to fix an issue that was entirely preventable if Klarna had handled the dispute correctly from the start. 

I am requesting : The cancellation of the {$220.00} charge and any associated late fees Immediate closure of the dispute preventing my refund {$500.00} in compensation for damages, time lost, and emotional distress I have documentation from both Klarna and XXXX supporting my claim and will attach screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am writing to formally dispute the accounts and inquiries appearing on my consumer credit report, which I believe are the result of a data breach, identity theft, fraud, and/or unauthorized access. I respectfully request verifiable documentation, including copies bearing my physical or electronic signature, for any account or inquiry you assert was authorized by me. 

I have never authorized these actions. Their inclusion on my credit report constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B Block of information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ] Section 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these entries were made without proper verification or original supporting documentation. Accordingly, the reported items are factually inaccurate and appear to result from fraudulent activity, a data breach, or unauthorized reporting by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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's an account from a company by the name of XXXX XXXX showing as XXXX  days late on my Transunion credit report. This account also shows as a closed account with a {$2000.00} credit line. It's showing on my credit report with a {$300.00} credit line. 
This account is not on my XXXX  or XXXX  report. Please delete this account in it's entirety from my Transunion report, as this account does not belong to me.

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 2025-04-21 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: FL

Complaint narrative:
On my Credit reports there are dates that are reporting that is inaccurate. Showing different dates that debt accounts were opened and also showing inaccurate amounts owed for the debt by collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I purchased a gaming PC for {$800.00} via Cash App after finding the listing on XXXX XXXX. The seller claimed the PC was an official XXXXXXXX XXXX in like new condition and showed pictures of the setup with a branded XXXX box. I agreed to the price, paid through Cash App, and the seller delivered the PC to my home in XXXX, SC. 

Within the first few hours of using the PC, I began experiencing repeated system crashes and blue screen errors. After several days of troubleshooting, it became clear the PC had serious hardware issues. I discovered that the system was not an official XXXX buildit was assembled using various parts in a XXXX case, misrepresented as something else. When I reached out to the seller, they denied responsibility and stopped responding. Eventually, they became unreachable on XXXX. 
Also if you noticed on evidence XXXX, it shows a red light on the motherboard, which indicates a hardware issue, and on evidence XXXX, it's very subtle but you can see that same red light. 

I filed a scam report with Cash App and submitted proof including screenshots of our conversations, payment confirmation, photos of the PC, and the system errors. Despite this, Cash App denied my claim without providing a clear explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$34000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$7200.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, LVNV Funding LLC reported a new collection account for {$420.00} to my credit without prior notice or validation. I did not receive any communication or debt verification letter. I have been a victim of identity theft since XXXX, and this company previously reported a fraudulent debt in XXXX, which was removed. This new action dropped my credit score by over XXXX points while I was preparing to purchase a home, causing severe duress. I also received unauthorized text messages, violating my consumer rights. 

I previously received a legal settlement in XXXX for the same companys misconduct, which included trade-line deletion and compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I'm reaching out because I'm beyond frustrated at this point. My credit report has several errorssome of which are tied to fraudulent activityand it's destroying my ability to move forward financially. These inaccurate entries have nothing to do with me, yet theyre dragging down my credit and making everyday life more difficult than it needs to be. 
I've taken the steps to fix this, but the same issues keep showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX  AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief