vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Experian, Equifax, and TransUnion for failing to ensure the accuracy of my credit file as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

On XX/XX/year>, I reviewed my credit report and discovered inaccurate late payment reporting that qualifies as a billing error under 15 U.S.C. 1666 ( b ). Specifically, the following account is being reported inaccurately : Late Payment ( Open ) Creditor : XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Violations 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made or a credit issued on a statement.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or accounting errors.

Failure to provide billing statements 21 days prior as required by law, meaning late payments should not have been reported.

FCRA 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy in consumer 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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: TX

Complaint narrative:
My name is XXXX XXXX. XXXX : XXXX. XXXX : XXXX. My phone number : ( XXXX ) XXXX. I called XXXX on XX/XX/year>, on or around XXXX XXXX  XXXX. I have the phone call recorded as evidence. I was transferred to a female who put me on hold without my permission and as I was speaking. When I confronted her, she said she has other customers. Later in the call, she placed me on hold a second time without my permission while I was speaking. Then she took me off hold and said due to the nature of this call XXXX going to terminate. Then she deliberately and willfully disconnected. This is inappropriate. It gives XXXX a bad look. This is call-avoidance and debt harassment. I never used profanity or made threats. I was attempting to get the facts of this account ( e.g. ; Was the debt assigned or sold? What was the original delinquency date? etc. ) however, she kept interrupting and over speaking. She refused to answer my questions and was pugnacious. In addition, I called back and they allowed the phone to continuously ring and not answer. XXXX submitting this compliant regarding XXXX poor customer service and to hold the agent accountable. Moreover, I disputed this debt with the consumer reporting agencies as NOT MINE. I hereby dispute this debt. 
cc : FTC, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing this complaint because I have been a victim of identity theft. As a result, there are multiple inaccurate and unfair items currently appearing on my credit report that do not belong to me and were not authorized by me. 
These fraudulent accounts and inquiries are causing significant damage to my credit standing, impacting my ability to secure housing, credit, and financial stability. I have contacted the credit bureaus to dispute these items and have also taken steps to protect myself, including placing fraud alerts and filing a police report. 
Despite these efforts, the items remain on my credit file and are continuing to report inaccurately. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported by credit bureaus. 
I am requesting the assistance of the CFPB to : Investigate these fraudulent accounts and inquiries, Ensure the credit reporting agencies and data furnishers properly investigate and remove any unverifiable or unauthorized items, Hold the responsible parties accountable for any failure to comply with FCRA guidelines. 
This situation has caused me emotional distress and financial hardship. I respectfully request that the CFPB take swift action in helping to resolve this matter. 
Thank you for your attention and support. 
Sincerely, 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 2025-09-09 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: Klarna AB
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX : @ XXXXXXXX XXXX XXXX, I made a {$1500.00} purchase through Klarna for a 6-month online fitness coaching program from XXXX XXXX. Within 24 hours of the purchase,10 am the next day I contacted merchant to report that I did not wish to proceed and requested a cancellation and refund. I did not receive any services, coaching sessions, or personalized materials from the merchant. 

Shortly after my cancellation request, the merchant responded with aggressive, unprofessional, and explicit messages, including inappropriate language. I immediately reported this to Klarna, sharing screenshots of the merchants conduct and my cancellation within the 24-hour window. 

Klarna paused my payments and initiated a dispute, but over a month later, the dispute is still unresolved. Klarna has informed me that they are waiting on the merchant to process a refund before they can close the dispute in my favor. I have requested a final resolution from Klarna and have not received confirmation that I will not be held liable for this charge. 

The merchant has been uncooperative and hostile, and Klarna has not taken final action to protect me from being charged for a service that was never delivered. I am seeking help to ensure I am not forced to pay for services not rendered, especially given the merchants inappropriate conduct and my timely cancellation.

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

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Removal of Account Under Fair Credit Reporting Act Dear XXXX, I am writing to formally request the removal of an inaccurate account from my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit report, I discovered the following account that I believe to be incorrect or in violation of my rights under the FCRA : Account Name : Credit Acceptance both accounts Reason for Removal : This account does not belong to me Under the FCRA, I am entitled to a credit report that is accurate and reflects the true status of my financial obligations. Section 1681i of the FCRA provides that if an item on my credit report is found to be inaccurate, I have the right to dispute the information, and the credit reporting agency is required to investigate and correct or remove the inaccurate information within 30 days. As the account in question is either incorrect or outdated, I request that XXXX  immediately investigate this account and remove it from my credit report. In accordance with Section 1681e ( b ) of the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the account can not be verified, it must be deleted from my report. I have attached supporting documentation to assist in resolving this issue, including [ list any documents you are attaching, such as payment records, correspondence, or identification verification ]. I respectfully request that you update my credit report to reflect the accurate information and provide me with a corrected copy of my credit report once the removal is complete. If you fail to remove this inaccurate information, I will pursue my legal rights to enforce compliance with the FCRA, including contacting the Consumer Financial Protection Bureau ( CFPB ) and filing a formal dispute. Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated time frame of 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-09 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. TransUnion has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

TransUnions actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights.

I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/XXXX, which is attached and serves as legal notice of TransUnions violation and my demand for immediate corrective action. I am demanding the immediate and permanent deletion of all disputed accounts from my credit report and a complete, transparent record of the reinvestigation process, including the names of the entities that allegedly verified the account, the methods used, and all supporting documentation. I am also seeking monetary damages of {$1500.00} for the hardship caused by TransUnion 's negligence, including emotional distress and the time lost attempting to correct their errors. I do not consent to electronic communication and require that all correspondence be sent via USPS mail. Continued non-compliance will result in further legal action under FCRA 1681n and 1681o. I also reference In light of the XXXX CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law, as precedent for the seriousness of this complaint.

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 2025-09-09 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Please remove all inquiries and any accounts opened fraudulently due to the data breach transunion experienced in XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that inaccurate information was being reported on my credit file. I submitted written disputes to all three major credit bureausExperian, Equifax, and TransUnionexplaining that the information being reported was incorrect.

Despite my disputes, the inaccurate information remains on my credit reports. This has negatively affected my credit standing. I have taken the required steps by contacting the credit bureaus directly and providing the necessary details, but the information has not been corrected.

I am requesting that the credit bureaus review my disputes, remove or correct the inaccurate information, and provide me with an updated 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 2025-09-09 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: SC

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX XXXX XXXXXXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA.

Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter
dated XX/XX/XXXX, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/year> I spend {$1000.00} on what was supposed to be a downpipe ( car part ) from a guy I saw selling on XXXX. I ended up getting scammed I met up with him to purchase it he told to pay up front so he can ship it out to me but I never received anything and I ended up getting blocked on XXXX. Everything seemed legit since he had photos of it so I thought nothing of it at first til he never sent me the shipping label and then I saw he blocked me. I then reported a dispute to wells fargo about this but they ended up denying my claim.

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