vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from 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 explanation
Consumer complaint received 2025-12-01 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:
XXXXI am filing this complaint because my credit report contains multiple inaccurate, incomplete, and unverifiable accounts, as well as incorrect personal information and hard inquiries that I did not authorize. I submitted a formal dispute to the credit reporting agency, but these items remain without proper verification or correction.XXXXThe following accounts are being reported inaccurately and require immediate reinvestigationXXXX XXXX XXXX XXXX  multiple entries with inconsistent dates and balances\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese accounts show inconsistent reporting dates, duplicate entries, wrong balances, and incomplete information, which violates the FCRA requirement for maximum accuracy under 15 U.S.C.  1681e(b).XXXXHard Inquiry IssueXXXXI also disputed a hard inquiry and requested proof of authorization.XXXXThe bureau has not provided a wet-ink signed contract showing I approved the inquiry:XXXX XXXX XXXX (Equifax)XXXXWithout proper authorization, this inquiry should be removed under 15 U.S.C. 1681b.XXXXIncorrect Personal InformationXXXXMy credit report also shows incorrect personal information that does not belong to me:XXXXWrong Date of Birth: XXXXIncorrect Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese errors may indicate file mixing or identity-related reporting issues. I have requested removal, but no correction has been madeXXXXFailure to Conduct a Proper ReinvestigationXXXXI provided a written dispute and requested a reinvestigation, but the credit bureau has not done the following:XXXXHas not corrected clear inaccuraciesXXXXHas not provided verification documentsXXXXHas not shown proof of my authorization for the inquiryXXXXHas not resolved the incorrect personal informationXXXXThis violates FCRA  611, which requires a reasonable investigation within 30 days.XXXXThese inaccurate items are harming my creditworthiness, affecting my ability to obtain housing, transportation, and financial stability. I am requesting CFPB assistance to ensure compliance with federal law.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
Dear Sir/Madam, I am a consumer working to fix my credit and dispute the following accounts across the credit bureaus TransUnion. Please investigate the inaccuracies in the information provided and assist with correcting these issues. The details of the accounts in dispute are as follows : Charged Off Accounts XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Late Payments XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Details provided for late payment dispute. )

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 2025-12-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/year>, I purchased Row XXXX Premium VIP Lounge Package seats for Field Section XXXX Row XXXX Seats XXXX through XXXX for the XXXX XXXX XXXX XXXX concert on XX/XX/year>, at Nationals Park in Washington XXXX XXXX These seats were part of a guaranteed premium package specifically stating that seating would be in the first XXXX rows of XXXX XXXX XXXX. 

Before the event, on XX/XX/year>, XXXX moved my seats from Field Section XXXX Row XXXX Seats XXXX to Field Section XXXX Row XXXX Seats XXXX without my permission. Row XXXX is not a VIP XXXX seat and is a different, lower-tier product than what I paid for. I never consented to this change. 

XXXX did offer a refund or the option to resell the tickets, but these were not realistic options because I had already booked and paid for travel and accommodations before the seat change occurred. Canceling the trip would have costed me significantly more, leaving me with no reasonable alternative. I was essentially forced to attend the event with downgraded seats due to circumstances created by the merchant. 

When I contacted the merchant through live chat on the XXXX website on XX/XX/year>, around XXXX that evening, they acknowledged the seat relocation issue but could not restore my original seat because VIP seats were unavailable. I later obtained written confirmation from XXXX stating they can see that I contacted them regarding the relocation. 

Despite this, Chase denied my dispute. Chase stated that because I scanned the tickets and attended the event, the " experience was provided, '' even though I did not receive the specific product I purchased. Attending the event does not change the fact that I was downgraded to a different seat and did not receive the contracted service. 

Additionally, the merchant incorrectly told Chase that I never contacted them, which is not true. I provided written proof directly from XXXX contradicting that claim, but Chase still denied my dispute. Chase also requested pricing information for the original and relocated seats, which only the merchant has access to and did not provide. 

I am requesting CFPB 's assistance because I paid for a premium VIP product and received a lower-value product without consent. The merchant misrepresented the situation, and Chase did not conduct a fair or complete dispute investigation as required under Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
The entry contains deficiencies and inaccuracies pertaining to my financial standing. I ask that it be examined and corrected to reflect the truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: DE

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as app
ropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-01 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 am submitting this statement to report fraudulent activity on my credit report. I did not apply for, open, authorize, or have any knowledge of the accounts in question. I have never received any products, services, funds, or benefits from these accounts. These accounts were opened without my permission and are the result of identity theft. 

I first discovered these fraudulent accounts while reviewing my credit report. I immediately took action by filing disputes with the credit bureaus and reporting the identity theft. I have provided supporting documentation, including proof of identity and a police/FTC identity theft report.

I am requesting that these fraudulent accounts be blocked and permanently removed from all credit reporting systems, as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts being reported are not mine, and I have never had any affiliation with them. 

Thank you for your urgent attention to resolving this matter.

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 2025-12-01 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 submitting this statement to report fraudulent activity on my credit report. I did not apply for, open, authorize, or have any knowledge of the accounts in question. I have never received any products, services, funds, or benefits from these accounts. These accounts were opened without my permission and are the result of identity theft. 

I first discovered these fraudulent accounts while reviewing my credit report. I immediately took action by filing disputes with the credit bureaus and reporting the identity theft. I have provided supporting documentation, including proof of identity and a police/FTC identity theft report.

I am requesting that these fraudulent accounts be blocked and permanently removed from all credit reporting systems, as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts being reported are not mine, and I have never had any affiliation with them. 

Thank you for your urgent attention to resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/2025, I disputed a collection account from Innovative Recovery with the credit bureau. The bureau marked the account as verified, but no documentation was provided. Innovative Recovery did not supply a contract, billing statements, proof of ownership, or any records showing the debt is valid or belongs to me. 

I requested verification through the dispute process, but the only response was an automated confirmation with no supporting documents. The account remains on my credit report without proper validation, and I am unable to complete a major purchase because of this inaccurate reporting. I am requesting a full reinvestigation and deletion unless the company can provide actual proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
About a month ago I initiated a rollover of my IRA from XXXX to SoFi. SoFi recommended I utilize this company " Capitalize ''. Supposedly they would do all the work for me. I contacted them and we started a call together with XXXX. They left the call early and I had to complete the process myself. XXXX sent me the checks in two days but I kept having to tell Capitalize that I had the checks. They finally mailed me an addressed envelope to send the checks in a week after I had received the checks from XXXX. I mailed that envelope to them a week ago and nothing. When I call them they put me on hold for 15 minutes each time and then hang up the phone. I looked them up online and called their corporate office and there is no answer. I received a call from the " head '' of their " Quality Control '' office last friday and he gave me what he said was his personal number and said i should call him if i had any problems but when i called that number i got an answering machine saying all their agents were busy and then they hung up on me. 

My money has now been out of the market for nearly a month, mostly because of the fact that capitalize has delayed it both coming from XXXX and now getting back to them. There is no way to reach them at all. 

In the meantime SoFi has reached out to me blaming me for the delay saying I didn't mail the checks in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Klarna AB
State: NJ

Complaint narrative:
During the Black Friday period on XX/XX/year>, I attempted to purchase an XXXX product through Klarna. The app displayed a spending limit of {$200.00}, while the product price was {$260.00}. I therefore topped up the remaining {$67.00} in order to complete the purchase. 

However, the transaction was denied without any explanation. I am now requesting a refund of the {$67.00} top-up, but Klarna is attempting to charge a fee for returning my own funds. Additionally, I have not been provided with any information regarding why my purchase was canceled.

Klarnas support team has been unhelpful and unresponsive, and they have not addressed my questions regarding the refund of the top-up amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Levy & Associates, LLC
State: NC

Complaint narrative:
What Happened I am filing this complaint because Levy & Associates has failed to return money that is legally owed to me following a released garnishment order. The XXXX XXXX XXXX processed a Release of Garnishment, and the funds that were previously taken from my bank account were supposed to be returned to me. According to the court, the garnishment was satisfied and the funds were sent to Levy & Associates.

However, even though the garnishment was released and satisfied, Levy & Associates has not refunded the money to me, has ignored multiple follow-ups, and continues to send me emails confirming the garnishment satisfaction without issuing the refund. 
________________________________________ Timeline A garnishment was processed through XXXX XXXX XXXX in XXXX, Ohio. 
A Release of Garnishment was issued by the court, directing that the funds be returned to me.

The garnished funds were paid to Levy & Associates from the court.

Since the release, I have called Levy & Associates multiple times, escalated internally, emailed repeatedly, and filed a XXXX  complaint. 
The company has not responded, refuses to communicate, and has not returned my funds. 
I continue to receive automated email confirmations stating the garnishment has been satisfied, but no refund has been issued.

________________________________________ Impact This has placed me in financial hardship and has caused unnecessary stress because these funds legally belong to me and should have been returned promptly when the garnishment was released.

________________________________________ Resolution Requested I am requesting that Levy & Associates immediately return the full amount of funds that were remitted to them by XXXX XXXX XXXX after the garnishment release, and provide written confirmation of : 1. The total amount received from the court 2. The refund amount issued back to me 3. The date and method of refund I am also requesting all account records related to the garnishment and release. 
________________________________________ Supporting Evidence Available Court Release of Garnishment paperwork Email confirmations showing garnishment satisfied Attempts to contact the company ( calls, emails ) XXXX  complaint filed previously I can upload or provide these documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
ask them to please validation letter did not give me anything

Company response to consumer: Closed with non-monetary relief