vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
I am writing to formally follow up on a previous dispute regarding a collection account being reported by XXXX XXXX XXXX with the original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX across all three major credit bureaus.

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 2025-05-27 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: NY

Complaint narrative:
I am writing to formally follow up on a previous dispute regarding a collection account being reported by XXXX XXXX XXXX with the original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX across all three major credit bureaus.

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 2025-05-27 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: NC

Complaint narrative:
I

m demanding the immediate deletion of multiple accounts on my credit report that are being reported inaccurately, inconsistently, and illegally. Ive already disputed these with the credit bureaus they came back as verified when the information is clearly false and conflicting.

This is a direct violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ). If a company cant report accurate and consistent data, they have no legal right to report it at all. Im not asking for updates. Im demanding full deletion of these accounts from my credit reports : XXXX. XXXX XXXX XXXX XXXX XXXX account reported with different statuses ( charge-off and good standing ), different balances, and different dispute remarks. If they cant get it straight, it should be deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXX Multiple versions of XXXX account with totally different remarks ( paid charge-off, unpaid, profit & loss ). Delete it all. 

XXXX. XXXX Reported XXXX  times for the same collection account with different notes. Thats duplicate reporting. Its misleading and wrong. DELETE IT. 

XXXX. XXXX XXXX XXXX XXXX XXXX The account says current but shows multiple XXXX to XXXX late payments. Thats not possible. Delete the account or delete the lates. 

XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX auto loan is reported XXXX different ways with totally different balances, late payments, and statuses ( repossession, charge-off, and loss ). Thats completely unreliable reporting. Delete all versions. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is shown as open, charged-off, and refinanced at the same time. Thats false reporting and it needs to be deleted. 

These accounts are not just hurting my credit theyre being reported in ways that violate federal law. If the creditors or bureaus cant report accurate info, they have no business reporting anything 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 non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I

m demanding the immediate deletion of multiple accounts on my credit report that are being reported inaccurately, inconsistently, and illegally. Ive already disputed these with the credit bureaus they came back as verified when the information is clearly false and conflicting.

This is a direct violation of the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ). If a company cant report accurate and consistent data, they have no legal right to report it at all. Im not asking for updates. Im demanding full deletion of these accounts from my credit reports : XXXX. XXXX XXXX XXXX XXXX XXXX account reported with different statuses ( charge-off and good standing ), different balances, and different dispute remarks. If they cant get it straight, it should be deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXX Multiple versions of XXXX account with totally different remarks ( paid charge-off, unpaid, profit & loss ). Delete it all. 

XXXX. XXXX Reported XXXX  times for the same collection account with different notes. Thats duplicate reporting. Its misleading and wrong. DELETE IT. 

XXXX. XXXX XXXX XXXX XXXX XXXX The account says current but shows multiple XXXX to XXXX late payments. Thats not possible. Delete the account or delete the lates. 

XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX auto loan is reported XXXX different ways with totally different balances, late payments, and statuses ( repossession, charge-off, and loss ). Thats completely unreliable reporting. Delete all versions. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is shown as open, charged-off, and refinanced at the same time. Thats false reporting and it needs to be deleted. 

These accounts are not just hurting my credit theyre being reported in ways that violate federal law. If the creditors or bureaus cant report accurate info, they have no business reporting anything at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-05-27 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: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Was their XXXX payment method wasnt working never got a notification I have my bank XXXX  for XXXX  payment I was charged late fees account was XXXX  then they reported XXXX payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Was their XXXX payment method wasnt working never got a notification I have my bank XXXX  for XXXX  payment I was charged late fees account was XXXX  then they reported XXXX payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'd like to file this complaint against Experian for reporting unverified information on my credit report regarding a XXXX XXXX XXXX ( Account XXXX XXXX ). The payment status shows Legally XXXX XXXX XXXX for less than the full balance, which is inaccurate. I never gave Experian any written consent or authorization to report this account, which is a clear violation of XXXX XXXX. XXXX ( XXXX ) ( no permissible purpose ) and XXXX XXXX. XXXX ( blocking of unauthorized info ). I also have a RIGHT TO PRIVACY under XXXX U.S.C. XXXX ( XXXX ), and this is a violation of that right. 

When I checked across all three credit bureaus, the reporting wasnt even the same. XXXX XXXX XXXX report this as XXXX as agreed on the payment status, but Experian says it was Legally XXXX XXXX XXXX for less than the full balance. Even the comments arent consistent. XXXX XXXX XXXX  say XXXX ; less than full balance, but Experian left that out. So, how did they verify this info? This violates XXXX XXXX. XXXX ( b ), which requires maximum possible accuracy. Did Experian and other CRAs forget about that law? 

Im asking the CFPB to step in. This is affecting my ability to get credit and move forward. I have already consulted legal counsel. I want this account to be fix immediately. Experian 's failure to comply will be a violation of my rights under the Fair Credit Reporting Act, and under XXXX XXXX. XXXX and XXXX, Experian can be held liable for willful and negligent noncompliance, {$1000.00} per violation, for reporting without my written permission. I need this account corrected to XXXX  as agreed or permanently deleted.

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 2025-05-27 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MN

Complaint narrative:
The last time i sent money was to my nail tech next thing you know they just closed it without any further explanation so i dont know what i did that triggered that which is totally unfair and it wasnt anything that im sure of that could cause harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: TX

Complaint narrative:
On XX/XX/year>, I booked an XXXX  with the Host XXXX and XXXX XXXX XXXX XXXX XXXX XXXX powered by XXXX go. The booking was reserved at XXXX AM and was cancelled at XXXX pm. The host has refused to issue a full refund for the canceled reservation and Klarna is stating I owe a balance for {$2300.00} for a property vacation that I am not receiving, nor am I receiving any goods or services in exchange for the value that Klarna is paying the host. The host mentioned a no refund policy. I mentioned that under the consumer law of recession found in XXXX XXXX consumers have the right to rescind any contract by the XXXX day of midnight. Not only is the host, XXXX, and Klarna trying to fraud me out of my tender of payment, the host has falsely advertise they have a spa jacuzzi and swim spa as separate amenities as if they have a pool and a jacuzzi separately when they have XXXX device on the property as XXXX. This property does not have a pool as I was looking for my grandchildren. I was willing to work with the host but at this point I refuse to do business with the crook at all. XXXX is allowing them to break federal law with their XXXX XXXX  and XXXX even exchanges of policies. Klarna is expected to get interest of my security application, XXXX gets a {$230.00} estimated fee, and the host gets $ XXXX, and I get nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XXXX has XXXX to conduct a proper investigation. They have violated XXXX XXXX XXXX A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of XXXX and XXXX for being negligent and willfully non compliant. These debts are also been securitized in a trust so XXXX does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

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 2025-05-27 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MA

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 2025-05-27 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: FL

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-27 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 recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} Inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-27 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: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report and i saw 1 account that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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 was looking at my credit report and i saw 1 account that was opened fraudulently. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief