vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by Oportun ( formerly XXXX XXXX ) on my XXXX  credit report. The account shows a {$0.00} balance but includes the comment : " Unpaid balance reported as a loss by credit grantor. Purchased by another lender. Sold to XXXX. '' I have no knowledge of or responsibility for this account, and I did not authorize any transaction with Oportun or XXXX XXXX. This appears to be the result of identity theft or account misassociation, and I am concerned that it is harming my creditworthiness. 

I have not received any proper notice or documentation related to this account, and no verification has been provided to establish my responsibility. 

Despite the {$0.00} balance, the derogatory nature of the comment ( indicating a charge-off and sale to a debt collector ) is inaccurate and damaging. 

I am requesting that Oportun : * Remove this account entirely from my credit report, as I am not liable for it. 
* Provide any documentation they have that ties me to the account, if any. 
* Cease reporting inaccurate or misleading information to XXXX 

This reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. I request the CFPB to investigate and assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
There was a notification on my credit report stating I owed {$120.00}. This is fraud. I do not owe anyone. I am doing my best to keep my credit score above XXXX. After this {$120.00} popped up. My fico score dropped to XXXX. It was XXXX before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-21 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I placed my Huntington Bank account on hold due to suspected fraud, but I was told I could leave it open for upcoming deposits. I was informed by a Huntington representative that I should just notify them when I was ready to close it. 

Instead, they closed the account without any warning or communication. I only found out afterward that they issued a paper check for the remaining balance of {$700.00} which I still havent received. I was never notified of this action in advance.

I spoke to a Supervisor on Wednesday XX/XX/XXXX ( unfortunately I do not recall her name ) even tho she admitted mishandling by the company. I also spoke with Supervisor XXXX today XX/XX/XXXX, who acknowledged that the situation was mishandled but said nothing could be done and that I should call back Monday due to the researcher not being in office. Meanwhile, Im being denied access to urgently needed funds for bills and basic needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: ID

Complaint narrative:
All health services provider illegal posted a false report on copays, coinsurance, deductibles and out of pocket! 
I am protected under XXXX XXXX ( I am a XXXX person per SSA standards!! ) These health care providers bill me unpaid health care services! 
As per XXXX XXXX and under XXXX prohibited billing procedures! 
QMB ( Qualifying XXXX Beneficiary ) I am a QMB and I am not financially responsible for these bills per section 1902, 1905, 1866, and 1848 of the Social Security Act!

These health care providers willfully and unlawfully sent unpaid medical expenses to collections and caused my credit to pump let to decrease of over XXXX points! 
Before I had I a XXXX XXXX of close to XXXX! And my score is XXXX! 
Please get back to me ASAP! 
Thank you very much! 
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 2025-06-21 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 have been living a nightmare ever since i was an identity theft victim, there are some accounts and inquiries on my report that do not belong to me and were not made by me. I've tried it all to fix this problem but the situation does not seem to get better. I am beggin you to take immediate action about all of this. These are the items mentioned : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-21 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: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by IC System on my XXXX credit report. I have no knowledge of or responsibility for this account, and I did not authorize any transaction with IC System. This appears to be the result of identity theft or account misassociation, and I am concerned that it is harming my creditworthiness. I have not received any proper notice or documentation related to this account, and no verification has been provided to establish my responsibility. The derogatory account IC System is reporting is inaccurate and damaging. I am requesting that IC System : * Remove this account entirely from my credit report, as I am not liable for it. * Provide any documentation they have that ties me to the account, if any. * Cease reporting inaccurate or misleading information to Transunion. This reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. I request the CFPB to investigate and assist in 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 2025-06-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-21 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX. XXXX XXXX CFPB XXXX XXXX : Navy Federal Credit Union XXXX : Credit Card and Personal Loan Issue : Identity Theft/Fraudulent Account Complaint : I am reporting identity theft. I filed an FTC Identity Theft Report ( # XXXX ) stating that I did not open or authorize XXXX accounts with Navy Federal Credit Union. I have never been affiliated with the military, nor has anyone in my household. These accounts were opened fraudulently and have severely damaged my credit. I have contacted XXXX XXXX XXXX XXXX as well as XXXX XXXX, and have received generic denial responses. These accounts must be deleted from my credit reports under the FCRA and XXXX due to fraud. These accounts are XXXX. I have never been associated with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB
State: TX

Complaint narrative:
b'Dear Consumer Financial Protection Bureau,\n\nI am writing to file a formal complaint against Klarna, due to an ongoing issue that has caused unnecessary stress and may negatively impact my credit.\n\nOver the past several days, I have repeatedly attempted to make a payment on my Klarna account. However, every time I try, their system returns an error and does not allow me to complete the payment. I have reached out to Klarna multiple times through their only available methodlive chatbut their representatives have not been able to resolve the issue or provide any helpful solutions.\n\nWhat makes matters worse is that Klarna does not offer any phone support, making it impossible to speak with someone directly to resolve this urgent problem. Despite my efforts and clear willingness to pay, Klarna has now added a late fee to my account, even though the fault lies entirely with their malfunctioning payment system and lack of responsive customer service.\n\nThis situation is extremely frustrating and unfair. Not only has it resulted in a late fee, but I am now concerned that it may negatively affect my credit score due to something that is beyond my control. I believe Klarnas behavior is negligent and could harm consumers who are trying to act responsibly.\n\nI kindly request that the CFPB investigate this matter and ensure that Klarna corrects the issue, removes any associated late fees, and provides a more reliable and accessible support system for its customers.\n\nThank you for your attention to this matter.\nXXXX XXXX \nXXXX XXXX XXXX\nXXXX\nKlarna Card number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
Celtic Continental is reporting improper information to my credit reports .. I had an account with them that was open for XXXX months .. They continue to report that I was late XXXX + days XXXX or more times and continue to report my the account as charged off when it has already been XXXX in my bankruptcy..

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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Recovery Solutions, LLC
State: FL

Complaint narrative:
I received collections notice from National Recovery Solutions LLC stating that they are collecting a debt that I owe to XXXX for {$670.00} from 2021. I have no idea what this is. I XXXX  XXXX, which is a culinary arts school. This is not my debt. I am now very concerned because this collections agency also sent me a letter in reference to the XXXX XXXX XXXX  that a family member opened fraudulently, listing me as a co-signer, which I have been disputing for over 10 years now.

I am very concerned that someone has stolen my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 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:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
They have been reaching out to family members. They sent my grandpa a text today about the debt which they are not allowed to do. They texted him about the debt and stated my name. They have also called my father multiple times in the past to try and discuss the debt.

Company response to consumer: Closed with explanation