vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Dear Resurgent / LVNV Funding, This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ) that you must cease all communication with me regarding this alleged debt.

Please provide complete validation under 15 U.S.C. 1692g ( b ), including the original creditors agreement, payment history, and documentation proving your legal right to collect this debt.

Until such proof is furnished, any continued reporting to the credit bureaus is a direct violation of 15 U.S.C. 1692e and 1692f.

If you continue contacting me or reporting unverifiable information, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I tried to get a validation of debt from this company and was unable to receive it within the lot of time with the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I tried to get a validation of debt from this company and was unable to receive it within the lot of time with the law states.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
Company : Klarna XXXX XXXX. 
Merchant : Free People Order ref : XXXX ( BNPL / Installment plan ) Time zone : XXXX ( NY ) What happened ( dates & amounts ) : I placed an order for {$910.00} through Klarna. 
I returned most items and kept {$300.00}. 
The merchant issued a {$450.00} refund on XX/XX/XXXX. 
Klarnas own ledger shows Returned amount : {$570.00}, Late fee : {$4.00}, Revised total : {$340.00}. 
Payments collected by Klarna : {$450.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX = {$570.00} total. 
Based on the revised total ( ~ {$310.00} = {$300.00} kept + {$4.00} fee ), I had already overpaid. 
Billing error : Klarna failed to adjust the remaining installments after receiving the refund. The plan continued as if no refund occurred, leaving an invalid {$230.00} that Klarna then forwarded to collections on XX/XX/XXXX. 

Contact with company : I chatted with Klarna agent XXXX XXXX. He acknowledged the figures but repeatedly stated Klarna was not authorized to act because the account was with a collector and refused to escalate to Disputes/Compliance or provide a case number. He suggested paying the invalid balance. The collector can not fix Klarnas internal installment miscalculation ; Klarna is the original creditor. 

Why Im complaining : This is a Klarna billing error : failure to reconcile the installment schedule after a documented merchant refund. An inaccurate balance was billed and sent to collections. 

What I want : 1. Correct the balance to {$0.00} and recall/withdraw the collection placement. 
2. Delete any negative credit reporting tied to this order. 
3. Provide written confirmation from Klarnas Disputes/Compliance team. 
4. Ensure the account is marked Disputed Billing Error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My husband and I commenced a settlement arrangement with OneMain on XX/XX/XXXX. We made monthly payments as agreed, and the settlement amount of {$1400.00} was paid in full on XX/XX/XXXX. This account was never reported as settled. In fact, it was reported late for several months and then charged off with a past due balance of {$1400.00}. I have disputed this with XXXX  and XXXX, and provided them copies of the settlement arrangement and payment history were provided but the credit bureaus failed to conduct a proper investigation. After contacting OneMain directly for over a year to correct this error, via phone and email, we apoke with a manager on XX/XX/XXXX who advised us to send proof of payments and settlement arrangement to their email, which we did the same day. This was the 2nd time we emailed our document to OneMain. OneMain finally sent the settled-in-full letter dated XX/XX/XXXX but XXXX  and XXXX  have still failed to investigate and correct our credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: KS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Dear Credit Bureau, I am writing to dispute inaccurate information being reported on my credit file concerning my XXXX XXXX account. on Equifax, Trans Union and Experian. 

Account Name : XXXX XXXX According to your report, this account reflects only 14 payments made, when in fact, I have made 16 payments to date. This error misrepresents my payment history and may negatively affect my credit profile. 

I am requesting that you : XXXX. Investigate this matter with XXXX XXXX. 
2. Correct the reported number of payments to accurately reflect 16 payments made.

3. Update my credit report accordingly and provide me with written confirmation once the update is complete.

Enclosed are supporting documents including : Recent account statements from XXXX XXXX showing payment history. 


Please conduct your reinvestigation under the Fair Credit Reporting Act ( FCRA ) and provide me with the results in writing within 30 days. 

Thank you for your prompt attention to this matter. 

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for repeated, unauthorized, and unlawful reinsertions of their collection account on my credit report. This account was previously deleted after multiple disputes with all three credit bureaus ( XXXX XXXX and XXXX  ), yet it has now been reinserted without any written notice or verification, which is a clear violation of FCRA 611 ( a ) ( 5 ) ( B ).

At no time have I received proper notice within five ( 5 ) business days of reinsertion identifying LVNV as the furnisher or showing any proof that the account was verified before being re-reported. LVNV has also failed to provide any validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: EQUIFAX, INC.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My Bluebird American Express Prepaid Debit account was closed in XXXX. At that time, the remaining balance was issued to me as an XXXX XXXX via email. 

However, I have been unable to access the XXXX XXXX that was sent. I contacted Bluebird customer service at XXXX and spent approximately XXXX minutes on the phone, but they were unable to resolve the issue. I was then instructed to email XXXX I sent an email to that address, but received a response stating that the channel does not provide customer support and referred me back to Bluebird American Express customer care bringing me back to the beginning of the cycle with no resolution. 

Despite my efforts to follow all instructions and seek assistance through the appropriate channels, I still have not received access to my funds or a working solution. I am requesting that the remaining balance be either reissued in a usable format or refunded to me via check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, XXXX  XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : XXXX. * * The name and address of the original creditor * *, and the original account number. 
2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows XXXX XXXX XXXX has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company. 
5. The * * date XXXX XXXX acquired the debt * *, and from whom. 
6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ). 
8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief