vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding multiple inaccurate accounts appearing on my credit report. The following accounts are being reported with late payments, which is incorrect as I have never made late payments on them : XXXX  account numbers XXXXXXXX XXXX XXXX  with balances of {$2600.00} opened XX/XX/XXXX, {$3000.00} opened XX/XX/XXXX, {$3500.00} opened XX/XX/XXXX, {$4000.00} opened XX/XX/XXXX, {$2600.00} opened XX/XX/XXXX, and {$4000.00} opened XX/XX/XXXX, along with XXXX  account number XXXXXXXX XXXX XXXX with a balance of {$21000.00} opened XX/XX/XXXX. These late payment reports are inaccurate and must be corrected immediately. I request a full investigation and proof of late payments including payment history records, dates, and documentation. If verification can not be provided, all late payment notations should be removed and updated to reflect on-time payment history. 

Additionally, XXXX XXXX account number XXXX XXXX XXXX with a balance of {$130.00} opened XX/XX/XXXX is reporting as a charge-off. I have no knowledge of this account and I dispute its accuracy. Under FCRA 609 and 611 regulations, I am requesting original signed contract, account documentation, and full validation. If verification can not be produced, I am requesting permanent deletion of this account from my credit report. 

I am asking the CFPB to fully review these matters, require proper validation from the creditors, correct any unverifiable information, and remove the XXXX  XXXX charge-off. These inaccurate reports are causing harm and negatively affecting my credit, so I request urgent attention and resolution. Thank you for your time. I look forward to a proper investigation and corrective 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 2025-11-26 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: FL

Complaint narrative:
I am writing to dispute certain accounts listed on my credit report with each of the XXXX major credit bureaus, as outlined below. I am requesting a review and correction of these discrepancies, as they do not reflect the accurate status of my credit accounts. 

Charged Off : ( No accounts listed under this section ) Inquiries : ( No inquiries listed under this section ) Positive Accounts : ( No positive accounts listed under this section ) Late Payments : XXXX, Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX BANK, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
CAINE & WEINER Last reported XX/XX/year> {$110.00} Open balance CAINE & WEINER Original creditor IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT Caine & Weiner # XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XX/XX/2025 several CashApp withdrawals/transfers were made from my XXXX XXXX Bank account in the total amount of {$770.00} ranging from {$2.00} to {$120.00}. I have not used CashApp so I don't know how these transactions could be valid. I submitted a claim through my bank, but they have stated they are not able to reverse the transactions and denied my claim and to reach out to CashApp directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I received an email from XXXX about a utility bill on XXXX, XX/XX/XXXX. The bill was attributed to an address I hadn't lived at for nearly 5 months. The original bill was {$250.00}, and after my first notice from XXXX had accrued {$52.00} in interest. I don't understand why I would accrue 20 % of my bill in interest before I received a notice. The email claimed I had previously received a notice, but I had never received a phone call, voice mail, or email until this point. The bill has no date on it, so I don't know how long this has been accruing interest until they notified me, and I am also unaware if this bill is even mine ; I haven't lived in this property in months, and XXXX is aware of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally dispute the following accounts that have been inaccurately reported on my credit report. These disputes involve charged-off accounts and inquiries that I believe are not correctly reflected or are outdated. Please find the details of the accounts in question, separated by bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
I am disputing the validity of a {$430.00} collection account reported by Transworld Systems on behalf of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX. 

During the XXXX pandemic, I received rental assistance funds from XXXX for approximately {$800.00}. These funds were specifically designated to cover all past-due rent and fees. Rather than applying the credit to my account, the rental property returned the funds to XXXX and subsequently charged me {$430.00} for alleged smoking-related damages. 

I dispute this charge for the following reasons : No smoking occurred : I had quit smoking during the XXXX crisis to protect my health. Despite this, the property repeatedly accused me of smoking without evidence. 

Lack of proof : I requested documentation, photographs, or inspection reports to substantiate the alleged damages. The property refused to provide any proof or allow me to demonstrate the condition of the apartment. 

Improper handling of funds : The property had sufficient funds from XXXX to cover the charges. Instead of applying the credit appropriately and returning only the unused portion, they chose to send the entire amount back and pursue me for the balance. 

Harassment : The property frequently accused me of smoking even when I was not present at the premises, creating a hostile and unfair environment. 

Based on these facts, I do not believe this debt is valid or legally owed. I respectfully request that this collection account be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint against XXXX and Equifax for reporting inaccurate and unverifiable information on my credit report regarding the XXXX XXXX account ending in XXXX. 

Equifax is reporting a charged-off account with a balance that exceeds the credit limit, but neither XXXX nor Equifax has XXXX any itemized accounting, fee breakdowns, statements, or contractual documentation explaining how the balance reached this amount. This violates the FCRA requirement for accurate and verifiable reporting. 

The Date of First Delinquency ( DOFD ) being reported ( XX/XX/year> ) is incorrect and does not match my account history, which violates FCRA 623 ( a ) ( 5 ), requiring furnishers to report the true DOFD.

Equifax is also illegally re-aging the account by posting new Date Reported updates despite the account being charged off. This is a violation of FCRA 605 and 607, as re-aging can extend how long a negative account remains on my report. 

I have attempted to dispute this directly with Equifax, but the information remains inaccurate and unverified. I am requesting that CFPB intervene because the information being reported is harming my creditworthiness and is not supported by any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information provided presents an erroneous portrayal of my financial habits. Please assess the entry and make corrections as needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX XXXX XXXX has continued to target my Credit Score by decreasing the Score each and every month based upon no information has been reported by the XXXX Lender, ( XXXX XXXX XXXX  ). XXXX ( XXXX ) months ago my Credit Score was decrease due to the XXXX supposedly reported information to that Experian could not written or verbally provide. This month I received an email from Experian that my credit score had decreased due to what the XXXX reported. I am yet to receive what XXXX XXXX reported that caused my credit to decrease from XXXX to XXXX. This a XXXX  ( XXXX ) decrease for no known reason at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

Complaint narrative:
I was going to do a diet supplement with XXXX  and then before they shipped the product I cancelled it. I had set up to do overtime payments through a company called Klarna and I stopped payments before they would take it out of my bank because I stopped the program before it started. Klarna is still trying to collect. They have turned me over to a debt collection called XXXX. I have told Klarna that I never received this product I have told XXXX that I don't owe Klarna I have even told XXXX that they needed to tell Klarna that I did not purchase the order. Now my credit is dinged and I am not happy cause no one can figure anything out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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 2025-11-26 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:
XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Equifax credit XXXX agency block information appearing on my consumer credit report that is a result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of. XXXX XXXX XXXX  opened XXXX with a balance of {$690.00}, XXXX XXXX XXXX  opened on XXXX, XXXX XXXX XXXX opened XXXX with a balance of {$880.00}, XXXX XXXX opened on XXXX balance of {$4200.00}, XXXX reported XXXX XXXX a balance of {$0.00}, XXXX XXXX opened XXXX XXXX a balance of XXXX, Credit system opened XXXX XXXX a balance of {$26.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX balances of {$6900.00}, {$5200.00}, {$2600.00}, {$2200.00}, {$4000.00}, {$400.00}, {$2400.00}, {$1300.00}, {$860.00}, {$8000.00}, {$4900.00}, {$3000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Some time in XXXX, a debt from XXXX XXXX XXXX showed up on my credit report. I never received any correspondence related to the debt ; I have received no letter to any address, and I have no message in the inbox of the email that was not only associated with my XXXX XXXX  XXXX account, but was quite literally my username for the account. 

On XX/XX/XXXX, I disputed the debt with a major credit bureau. On XX/XX/XXXX, the was removed from my credit report. Sometime late in XXXX, the debt reappeared on my account, again without any correspondence. I have since reached out to XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX, via email and phone and have received no correspondence again. I also disputed the debt with a major credit bureau again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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