vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Target XXXX Refusing to Remove Identity Theft Accounts Despite Police Report and Identity Theft Affidavit. I am filing a complaint because Target XXXX is refusing to remove fraudulent account opened in my name as a result of identity theft, even after I submitted all legally required documents. The fraudulent Target XXXX account number XXXX I did not authorize or open these accounts. I submitted : A completed Identity Theft Affidavit, A police report, Proof of identity, A written statement describing the fraud. These documents qualify as an Identity Theft Report under FCRA 603 ( q ). Under FCRA 605B, Target XXXX is required to : Block all identity theftrelated information, Stop reporting the fraudulent accounts to credit bureaus, Cease all collection activity, And remove fraudulent accounts from my file. Despite this, Target XXXX informed me that because payments were made on the fraudulent accounts, I am liable. This is legally incorrect. Payments made by an identity theft do not create liability for the victim under FCRA, the Fair Credit Billing Act ( FCBA ), or Regulation Z. XXXX XXXX is refusing to comply with : FCRA 605B, FCRA 623 ( a ) ( 6 ) ( duty to not furnish information known to be inaccurate ), Regulation Z, FCBA protections regarding unauthorized accounts and charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: MD

Complaint narrative:
XXXX is inaccurately reporting my federal student-loan payment history across the credit bureaus. On my Equifax report, XXXX shows 6 late payments, including 90- and 120-day delinquencies, even though the account is marked as Pays account as agreed and these late payments do not match my actual loan history. The payment dates, past-due amounts, and delinquency months are inconsistent with what appears on other bureaus. These discrepancies show the information is not accurate or verified. 


I have disputed these issues before, but XXXX did not correct the inaccurate reporting. The continued discrepancies violate the Fair Credit Reporting Act, including 623 ( a ) ( 1 ) ( A ) ( duty to report accurately ), 623 ( a ) ( 2 ) ( duty to correct/update ), and 623 ( b ) ( duty to reasonably investigate disputes ). The conflicting reporting also shows the bureaus can not meet the FCRA requirement of maximum possible accuracy. 

XXXX has also been extremely difficult to reach by phone, making it impossible for me to resolve these issues directly. This lack of accessible customer service creates harm and interferes with my ability to manage my federal loan, which constitutes an unfair and abusive practice under the Consumer Financial Protection Act.

I also want to note that many of the issues I am experiencing inaccurate reporting, servicing errors, and lack of accessible customer service are consistent with the documented servicing failures that XXXX has been cited for in recent federal investigations and lawsuits. My experience aligns with those identified systemic problems, including failure to provide accurate account information and failure to assist borrowers requesting corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-09 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is reporting a charge-off account for {$180.00} even though the original financed amount was only {$160.00}. The company has not provided documentation showing how this balance increased, or a breakdown of fees, interest, or contractual penalties that justify the difference. I requested validation, including a ledger, balance calculation, and proof of contractual terms authorizing additional charges, but none has been provided.

A company can not increase a charged-off balance without supplying evidence of how that amount was computed, and it can not continue updating derogatory reporting without proof that the amount is legally owed. Reporting an inflated balance without supporting documentation is inaccurate and violates FCRA 1681s-2 ( a ) because inaccurate information is being furnished, and violates FDCPA 1692g ( b ) because the disputed amount has not been validated.

Since the company has not provided lawful justification for the balance being reported, the only
fair resolution is immediate deletion of this account from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-12-09 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:
I dispute the validity of these accounts since they are not mine ; remove them within 15 days per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OH

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ).

1. Inquiry Dispute XXXX, Inquiry Date : XX/XX/year> I did not authorize this inquiry and request its removal under FCRA 604.

2. Late Payment Reporting XXXX XXXX XXXX, Account Nos. XXXX and XXXX These accounts are inaccurately reporting late payments. Please verify or delete this information.

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 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NJ

Complaint narrative:
On a letter dated XX/XX/XXXX, opened by us on around XX/XX/XXXX, Klarna detailed that a late fee had been added as they were unable to withdraw a monthly payment for a purchase from " XXXX  ''. 

I reached out via phone and heard back on XX/XX/XXXX that they " did not find any evidnece of fraudulent activity '' because the purchase had been approved with a scan of my wife 's ID. 

I reached out via email with this email and the original letter attached detailing that : 1 ) We, my wife XXXX and I, XXXX XXXX, have never had a Klarna account. 
2 ) We have never used XXXX 3 ) Asked for proof of the scan of an ID so I can send to my local police department to open a police report for stolen identity.

I gave them my and my wife 's email and phone and they confirmed we don't have Klarna accounts.

This then created a chain of emails with their customer service who responded 4 different times that they found no fraudulent activity and the next step is to dispute with my bank. I told them each and every time that there is no bank charge to dispute as there is no true bank account and that this is identity theft for a buy-now, pay-later loan.

They continue to ignore this and send cookie-cutter responses about reaching out to my bank while a supposedly {$1600.00} debt sits with Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to address inaccurate and incomplete information appearing on my credit report, which I have obtained from the XXXX XXXX  credit bureaus. The accounts listed below have been disputed based on my claim of inaccuracies regarding the charge-off statuses and reported balances. 

Charge Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Dispute Reason : The reported balance appears incorrect, and I believe it is not accurately reflecting my credit history. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Dispute Reason : This accounts reported balance does not match my records, and the charge-off status should be investigated. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$18000.00} Dispute Reason : This charge-off appears to have an inaccurate reporting date, and I request that the details be re-verified. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Dispute Reason : I am disputing the charge-off status and the reported balance on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XXXX wire transfers were initiated from my account at XXXX XXXX XXXX and sent to Wells Fargo in my name. I have confirmed with Wells Fargo that there is no account with my social security # but was told by Wells Fargo that 1. they can't tell if an account name has been changed XXXX any claim would have to be done through XXXX ( this has been done ). At one point during this process of reporting and filing a claim with XXXX, someone at XXXX was told that there was a Wells Fargo account with my name on it which is why we may not receive the funds back. As confirmed in a Wells Fargo branch and via the fraud department there is now no account with my name on it.

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 2025-12-09 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: GA

Complaint narrative:
Examine the attached materials ; the inquiries were received suddenly and could be unofficial.

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 2025-12-09 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: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} XXXX XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : XXXXXXXX XXXX XXXX  Account No : XXXX XXXX Account No : XXXX XXXX Account No : XXXXXXXX XXXX  Account No : XXXXXXXX XXXX Account No : 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 2025-12-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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 2025-12-09 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : 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 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-12-09 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: WA

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Previous Address Reported Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX I request verification of this previous address. It appears outdated and may be linked to inaccurate or mixed information in my report. Please remove or correct any erroneous prior address information.

2. Charged-Off Account Creditor : XXXX XXXX Account # : XXXX Date Opened/Reported : XX/XX/XXXX Balance Reported : {$34000.00} This account is being reported inconsistently across credit bureaus. I dispute the accuracy of this tradeline and request that Equifax verify the account with full documentation or remove it if verification can not be substantiated. 

3. Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Please provide verification of permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ). If such authorization can not be provided, these inquiries should be removed.

4. Late Payment Reporting Creditor : XXXXXXXX XXXX XXXX  Account # : XXXX I dispute the reported late payment ( s ) associated with this account. Please verify the accuracy of the payment history and remove any erroneous derogatory marks.

Company response to consumer: Closed with non-monetary relief