vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
There are several inaccuracies on my account that i have disputed that needs attention

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 2025-07-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing the accuracy and legality of several accounts currently appearing on my credit report. The following furnishers and reporting entities have violated my federally protected consumer rights to privacy, accuracy, and confidentiality, as provided under 15 U.S.C. 1681 et seq. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported without lawful basis and contain inaccurate, incomplete, or unverifiable information. The following federal statutes have been violated :

15 U.S.C. 1681e ( b ) Reasonable Procedures for Maximum Possible Accuracy Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued reporting of these inaccurate accounts indicates a failure to comply with this obligation. 15 U.S.C. 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information If
an item of information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified after a reinvestigation, the consumer reporting agency must promptly delete or correct that item, and notify the furnisher of that change. These accounts remain on my credit report without validation or proper resolution despite disputes.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Report Accurate Information Furnishers of information must not report any information relating to a consumer if they know or have reasonable cause to believe that the information is inaccurate. The continued reporting of unverified and erroneous account data constitutes a clear violation of this statute.

15 U.S.C. 1681b ( a ) ( 1 ) Permissible Purpose for Accessing or Reporting Credit Information Consumer reporting agencies may only furnish a consumer report if there is a permissible purpose, such as with consumer consent or lawful justification. The inclusion of unvalidated and unauthorized accounts constitutes a breach of this provision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: MN

Complaint narrative:
I took out a payday loan and signed a promissory note for {$400.00} to a private lender from the company Solo Funds. The agreement was payback {$400.00} on XX/XX/XXXXXXXX, as stated in the promissory note. 
On XX/XX/XXXX I had fraud on my debit card connected to my Solo account so it was closed and I was shipped a new card. When I got my new card, I linked it to my solo account around XX/XX/XXXX so that my loan would draft from my new card. It said it would take a while to be updated. 
I waited a couple days and my card was not added by the solo team and then started getting notices my loan was late but in the grace period. I responded to the emails and attempted to reach out on the app help chat to tell solo funds staff that they needed to update my card with the new one provided. I never got a response to my emails and the chat would send an automated message that no one has become available to answer my question. 
I felt backed into a corner because they refused to take my new payment method and I exhausted ways to contact them. 
In the beginning of XX/XX/XXXX, I got a notice that my loan was going to be sent to collections and that a late fee was applied. 
I finally just got staff to respond for the first time yesterday XX/XX/XXXX, stating they would send me a XXXX invoice. I told them that would be great and agreed to pay the original loan amount as promised but not the late fee or other added fees because I provided my new debit card prior to my loan due date. 
Today, they sent me a XXXX invoice for {$500.00} for my {$400.00} loan. 
I have a promissory note I signed stating the amount due was {$400.00} on XXXX XXXX. They had my banking information but refused to charge my account and are now adding fees and threatening collections when they had a failure to collect. 
Now they are illegally charging more than the promissory note and threatening collections to try to scare me into paying higher than the loan amount. 
They had my updated debit card information prior to the loan due date and I feel they intentionally refused to charge it so they could try to charge additional fees and make over {$100.00} profit on top of my loan when the promissory note also says 0 % interest. 
This is illegal for a company to refuse payment, charge more than the promissory note, and then threaten to send me to collections to put a derogatory mark on my credit if I dont pay their illegal fees. 
I attached the promissory note and truth in lending act I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding Ally Banks handling of my account and the subsequent freezing of funds, which has caused significant financial hardship and frustration. 

On XX/XX/2025, I disputed charges on a custodial account. Shortly afterward, Ally Bank froze my main account and deactivated my debit cardswhile the custodial account remained unaffected. Despite multiple calls to customer service, representatives repeatedly claimed my account and cards were not locked, which was factually incorrect. I attempted several transfers to recover the remaining funds in my account, all of which were blocked without explanation. 

I have contacted Ally Bank through secure messages multiple times with a request for access to my funds. On XX/XX/2025, I was told that my funds would be internally transferred to another Ally account within 12 business days, per my instructions. As of todays date, XX/XX/2025, no such transfer has occurred, and I continue to be denied access to my money.

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 2025-07-10 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:
I am a victim of identity theft, on XX/XX/year>, someone applied and opened dozens of accounts at stores banks and personal loans. I contacted each of the companies and banks that the thief opened accounts, all companies cooperated and closed the accounts with no problem, but there is one company called KLARNA that they didnt want to close the account and the thief made transactions, I called KLARNA so many times talked to different customer service personnel, they never closed the fraudulent account I provided them police reports, XXXX  sent them dispute letters and NO they didnt close the account they said that I did the purchases. Now Klarna sent the account to 2 different COLLECTION companies, I dont know what to do, I never opened any account. I dont even have the account number phone number and email that the thief used, all I have is the reference numbers on the bills that are coming to my mailbox. Klarna INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which I did not authorize or initiate. I am highly protective of my credit information and have not applied for any form of credit that would have warranted such an inquiry.

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 2025-07-10 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX Dear [ XXXX ] : I am writing to dispute inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX et seq. ). 
Disputed item ( XXXX ) : * PORTFOLIO RECOVERY ASSOCIATES Account XXXX Reason : Wrong Amount Enclosed are copies of documentation supporting my dispute. I request that the item ( XXXX ) be thoroughly reinvestigated and that any information found to be inaccurate or unverifiable be promptly corrected or removed, in accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX reinvestigation ) and XXXX ( a ) ( XXXX ) deletion requirements ) If the furnisher confirms the inaccuracy, please ensure they notify all other credit reporting agencies to which they have supplied this information, per XXXX ( a ) ( XXXX ) ( B ). 
I also note that should you or any furnisher fail to comply with these statutory duties, I reserve all rights under XXXX U.S.C. XXXX, which allows me to recover actual damages and attorneys fees for negligent noncompliance Please send me written confirmation within XXXX days of receiving this dispute that you have completed your reinvestigation and either corrected or deleted the disputed items. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant financial hardship, emotional distress, and damage to my creditworthiness. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. These fraudulent accounts and transactions were opened and conducted without my knowledge or permission, and their continued presence on my credit report violates my rights under the Fair Credit Reporting Act.

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant financial hardship, emotional distress, and damage to my creditworthiness. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. These fraudulent accounts and transactions were opened and conducted without my knowledge or permission, and their continued presence on my credit report violates my rights under the Fair Credit Reporting Act.

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 2025-07-10 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: GA

Complaint narrative:
I am a victim of identity theft and have discovered multiple fraudulent accounts and unauthorized inquires on my credit report. I did not authorize or open any of the accounts listed in my FTC Identity Theft Report. Despite providing the required documentation, the credit reporting agencies and creditors have not removed the fraudulent information. I am requesting that the CFPB intervene to ensure my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B, are enforced and that all fraudulent data is blocked and deleted 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 2025-07-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute a late payment reported on my credit file that I believe is inaccurate. I have maintained a detailed payment record and have identified this entry as an error based on a comparison with my statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In early XX/XX/year>, I sent a formal written request to XXXX  to remove outdated or incorrect information from my credit report. This included unauthorized or unrecognized XXXX  inquiries, as well as collection accounts that had already been disputed and resolved. I included a copy of my driver 's license, my Social Security card, and a utility bill showing my current address. Despite this, XXXX  has not corrected or permanently removed the disputed items. Some inquiries and negative information remain, even though the other credit bureaus have already processed similar requests and removed the same items. This ongoing inaccuracy is negatively affecting my XXXX XXXX and access to financial services.

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 2025-07-10 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: MS

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I fe

el like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those it
ems from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-07-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I fe

el like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those it
ems from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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