vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Good evening. 

Below are the XXXX loans I have been paying on for many years now : -- -- -- -- -- -- -- -- -- -- -- XXXX Direct Loan - Unsubsidized - US Dept of Ed School XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disbursement Date - XX/XX/year> Original Principal - {$6000.00} Current Balance - {$5700.00} XXXX Direct Loan - Subsidized - US Dept of Ed School XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disbursement Date - XX/XX/year> Original Principal - {$3500.00} Current Balance - {$2600.00} -- -- -- -- -- -- -- -- -- -- -- -- -- - I'm not sure how my balance is still so high. As a single father of a XXXX old with a XXXX  XXXX, are there any options I have to get help with these loans? 

Please help. 

Thank you much. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: AZ

Complaint narrative:
Received email, and text from XXXX XXXX XXXX XXXX. Requested the following on XXXX : XXXX. The alleged debt is time-barred under Arizona law XXXX 
Based on the information available from your correspondence, this debt appears to be time-barred under Arizonas statute of limitations ( A.R.S. 12-548 ). 
2. Cease improper communication and provide required validation.

Under 15 U.S.C. 1692c ( c ), I am requesting that you cease all collection attempts and cease all communication with me, except : 1. 
The required verification showing the dates and documentation supporting your claim that this debt is legally enforceable. This includes the chain of title/ownership, the original account agreement and contract, itemization ( including dates and amounts ), and your license information to collect debts. 
Email communication IS NOT authorized. Telephone communication via voice/text IS NOT authorized. All communication should be written and sent through postal mail. 

On XXXX received a letter stating they had contacted UHG and were provided the documents contained in the letter. 

The documents are dated XXXX. It's XXXX. There is no signed account agreement and contract, no chain of custody provided, no itemization provided, and they did not provide their license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

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 2025-12-03 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/year> & the amount was for {$4800.00} This is a report that I am doing to help recover the loss funds they took out of my account my car was broken into someone stole some notebooks, my wallet, and my other phone and some debit cards, and my personal information was written in the notebook I never gave him the authorization or access to use my stuff he did it on his owe i lost over XXXX because of him and I never received any property back that was stolen I was gone for a week on a traveling vendor trip didnt notice the issue until I got back. 

They used my debit card to go into the bank and take money off the ATM. I told the bank teller I never gave nobody my information or nobody had the access or authorization to use my phone or my bank information. They didnt fully investigate a full 10 days after XXXX days they denied my claim and they didnt fully help to my best advantage. I asked to appeal because the lady put the wrong information. they was never fully there to help me only a few days and denied because the lady did not put the correct information I gave her on her wrong doing. 

It is the holidays that is a lot to lose at this time about right now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

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 2025-12-03 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: NJ

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 2025-12-03 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: NJ

Complaint narrative:
I just want to follow up to formally disputing an inaccuracy on my THRE BUREAU credit report that misrepresents my financial history, creates a false impression of my creditworthiness, and requires immediate investigation and correction under federal law. My XXXX XXXX XXXX account ending in XXXX is reported as a late open account with a {$14.00} balance, with the date reported as XX/XX/year> and the date of last activity as XX/XX/year>, which is entirely inaccurate, as the account was opened and managed responsibly, and no delinquency or late payment has occurred. Reporting this account as late not only mischaracterizes my reliability but also creates a misleading narrative suggesting financial mismanagement, directly violating FCRA 611 ( 15 U.S.C. 1681i ), which provides me the right to dispute any inaccurate or incomplete information on my credit report and obligates Experian to conduct a reasonable investigation and correct errors. This inaccurate reporting further violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the information they provide to credit bureaus is accurate, and FCRA 623 ( b ), which obligates furnishers to conduct a reasonable investigation whenever a dispute is raised and to correct or remove inaccurate information. Reporting this {$14.00} balance as late falsely inflates perceived risk and can adversely impact my ability to access credit or favorable financial terms. I request that Experian conduct a full investigation with XXXXXXXX XXXX XXXX, verify the accurate status of this account, and promptly correct all inaccurate reporting. I further request written confirmation of the results of your investigation and an updated credit report reflecting the correct balance, account opening, and activity dates. I am invoking my rights under FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), as well as FCBA 1666 and 1666a, which protect consumers by ensuring billing errors are corrected, prevent adverse actions while a dispute is pending, and require that furnishers and credit bureaus maintain accurate reporting. Correcting this inaccuracy is essential to ensure my credit report reflects my true financial behavior and responsible account management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB
State: CA

Complaint narrative:
I was scammed by a merchant while using Klarna, and Klarna is refusing to properly investigate or refund me despite clear evidence of fraud. 

I ordered a pair of XXXX XXXX XXXX from a website using that name. After paying with Klarna, the charge on my statement came from a completely different business name : XXXX XXXX. 

The merchant then provided a fraudulent XXXX tracking number. The tracking shows a package delivered to a completely different ZIP code and address, not my address. This means the package was never sent to me. I have screenshots and a XXXX  Proof of Delivery showing the full incorrect address. 

This is merchant fraud, not a simple delivery issue. 

I contacted Klarna multiple times and opened several disputes, but they closed each case without reviewing my evidence. I requested escalation to Klarnas chargeback review team, but my case was denied repeatedly. 

Klarna is violating their own Buyer Protection policy by refusing to acknowledge : The merchant used XXXX different business identities The tracking number does not match my address The merchants website later changed after the scam I have official carrier proof that the package never went to my address I am requesting the CFPB to review this matter and require Klarna to reopen the dispute and issue a refund. Klarna is enabling a fraudulent merchant by ignoring verifiable evidence. 

I have : Proof of the correct address on my order XXXX  tracking showing a different ZIP code XXXX  Proof of Delivery showing a completely different address Screenshots showing mismatched business names Evidence that the merchant website changed after my purchase Please assist in getting Klarna to properly investigate and refund this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$29000.00} Date XXXX Date of Last XXXX late 30 days XXXX XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$4000.00} Date Opened : XX/XX/XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XXXX, XX/XX/XXXX, late 60 days XXXX, XX/XX/XXXX, late 90 days XXXX, XXXX late 120 days XXXX, XXXX XXXX up to open account/ not reported in EX and TU

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 2025-12-03 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
This complaint concerns a fraudulent Affirm account reporting only to XXXX. I never opened or authorized this account. I submitted an FTC Identity Theft Affidavit, ID, and address verification. 

In addition to being fraudulent, the following reporting errors exist : Account reports only to XXXX, not XXXX  or XXXX  Missing required XXXX XXXX fields Incorrect account type classification Missing payment history Missing Original Loan Amount for installment loan Inconsistent/implausible dates Incomplete furnisher information XXXX XXXX  violations include 1.1, 2.3, 2.33, 2.39, 2.58.

FCRA violations include 602, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 6 ), 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Oquirrh Mountain Law Group, P.C.
State: FL

Complaint narrative:
I have used XXXX XXXX XXXX a few different occasions and all I am left doing is waiting for a credit score that never improves never have contact with the staff or XXXX or anything but yet they take up front fees and I do have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 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: MD

Complaint narrative:
TransUnion is reporting inaccurate and contradictory information on my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ). 

Their own reporting shows : No late payments for 2 years 7-year history shows XXXX late payments ( XXXX ) {$0.00} past due {$0.00} balance Account status : Paid Account status : Closed ( XX/XX/XXXX ) Last payment : XX/XX/XXXX Despite all of this, TransUnion lists the Payment Status as Collection/Chargeoff, with the remark payment after charge off/collection. 

A charge-off requires months of delinquency, but TransUnions own data shows XXXX delinquency, which makes the reporting factually impossible. 

This violates FCRA 602, 607, and 611, requiring accurate and consistent reporting. 

Additionally, the account has been closed since XXXX, yet TransUnion continues to update it as Last Verified : XX/XX/XXXX, which is improper updating of a closed account. 

I am requesting the immediate deletion of this account from my TransUnion credit file due to inaccurate, incomplete, and contradictory 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 2025-12-03 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting a {$990.00} collection account that I do not owe and I did not authorize to be reported to the credit bureaus. I have never received any written billing statements, notice of debt, original signed contract, validation, or itemized calculation of {$990.00} from this company. 
This furnisher has failed to comply with FCRA 602A and FCRA 609 by not providing documentation that verifies accuracy and ownership of the alleged debt. Continuing to report a debt without proof, and without verifying the accuracy of the information being furnished, violates FCRA 611 and 615 ( b ).

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 2025-12-03 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:
In early XX/XX/year>, I noticed a collection account reported inconsistently across the XXXX credit bureaus. XXXX bureaus list the furnisher as XXXX XXXX XXXX, while another lists XXXX XXXX, and the balance amounts are different on each report. I have no record of this debt, and the inconsistent reporting raised concerns about accuracy. 

Over the last XXXX weeks, I contacted both companies multiple times requesting validation of the debt, including the original creditor, the correct balance, and proof that I am legally responsible. I also requested correction or deletion of any inaccurate information. I have not received any response from either company. 

Because the information being reported is inconsistent and the companies have not responded to my dispute or validation requests, I am asking for the account to be fully investigated and removed from my credit reports if it can not be verified accurately.

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