vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX, Experian ( EX ), and XXXX XXXX XXXX XXXX. These errors include charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-19 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: MI

Complaint narrative:
I am writing to dispute and request the removal ( blocking ) of specific items on my credit report that are results of identity theft, pursuant to SECTION 605B of the FAIR CREDIT REPORTING ACT ( 15 U. S. C. SECTION 1681C-2 ). I have been a victim of identity theft and have filed an identity theft report with local law enforcement agency. I did not open, authorize or have any knowledge of the following accounts or inquires that appear on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXX  XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX PLCC, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, Inquiry Date : XX/XX/XXXX. I am requesting thatthese accounts and any related information be BLOCKED AND REMOVED from my credit file, as required by FCRA 605b. Attached are copies of the following supporting documents : My government issued photo ID, Proof of address, police report number, and identity theft affidavit. Please send me written confirmation once these items have been blocked or removed, or if any additional information is needed to complete this request. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Mi XXXX DOB : XX/XX/XXXX Social security Number : XXXX XXXX informed this company that by not placing a block on the identified accounts in the required 4 days that they are not in compliance with Federal Laws FCRA 605b.

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 2025-11-19 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: TX

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$3700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$280.00} XXXX, XXXX, XX/XX/XXXX, {$210.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$210.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Equifaxs continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

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 2025-11-19 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: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CORELOGIC INC
State: KY

Complaint narrative:
CoreLogic erroneously paid my property taxes twice for the same tax period, once in XX/XX/year>2025. This is the second time in 2025 that CoreLogic has made an incorrect property tax payment from my escrow account ( an earlier erroneous payment occurred in XX/XX/year>2025 ). 
The duplicate payments created a large escrow shortage, causing my monthly mortgage payment to nearly double. 
Despite contacting CoreLogic repeatedly since and providing proof of both errors and the duplicate payments, the issue remains unresolved. CoreLogic has still not obtained a refund for the overpaid taxes or corrected my escrow balance and monthly payment.

I request that CoreLogic immediately correct my escrow account, refund any overpayments I have made due to the increased mortgage amount, restore my correct monthly payment, and compensate me for the ongoing financial hardship caused by these repeated errors.

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 2025-11-19 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: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 168li, which requires a proper reinvestigation of disputed items, and 1681 e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Klarna AB
State: KY

Complaint narrative:
I am filing a complaint regarding Klarna for failure to investigate an account compromise, inaccurate credit reporting, and refusal to comply with fraud-handling obligations. 

On XX/XX/year>, Klarna reported one of my loans to the credit bureaus unexpectedly. The reporting was incomplete and inaccurate. It showed the account as current but did not report the full historical payment cycle. Klarna told me they do not know why it suddenly started reporting and that it was due to a discrepancy, but refused to tell me what the discrepancy was. This is inaccurate and incomplete reporting and violates the Fair Credit Reporting Act ( FCRA ). 

On XXXX XXXX XXXX, I discovered unauthorized access to both my Klarna and XXXX accounts, with fraudulent loans attempted under my identity. I contacted Klarna to report an account compromise and requested ( 1 ) documentation that my account was compromised, ( 2 ) an escalation to Klarnas internal Security Team, and ( 3 ) restrictions on my account to prevent any new loans or credit.

Klarna refused to escalate the case and repeatedly avoided my requests. Instead, the agent only logged my sessions out and told me to change my password, which does not prevent unauthorized loans from being opened. The agent repeatedly said they had the same tools as supervisors yet claimed they were unable to escalate a formal security incident.

Klarna refused to : Document the account as compromised Restrict new credit Escalate the incident to the Security Team Properly investigate the unauthorized access Explain the credit reporting discrepancy Comply with my legal right to dispute inaccurate reporting Provide required fraud remediation information I have multiple screenshots showing Klarnas refusal to escalate, contradictory statements, and dismissive responses that do not comply with FCRA, the Consumer Financial Protection Act, or Klarnas stated fraud-handling procedures.

I am requesting : 1. A full security investigation into my compromised Klarna account 2. A complete hold/restriction on any new loans 3. Correction or removal of inaccurate credit reporting 4. A clear explanation of why my loan was reported 5. Documentation of the compromise 6. Compliance with FCRA and CFPB regulations Klarnas failure to act has put me at risk of additional identity theft and has already caused inaccurate reporting on my credit. I am seeking immediate correction and a formal response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I made a transfer of {$390.00} from a prepaid Chase Bank debit card to the wrong XXXX XXXX XXXX account. The money was meant to be send to the account number ending in XXXX, but it was accidentally sent to the account number ending in XXXX. On XX/XX/XXXX, I realize my mistake, so I decided to call Chase Bank to see if there was anything I could do. I was told the money should bounce back if there was no XXXX XXXX XXXX account with those digits. I waited a few more days. After not receiving the money, On XX/XX/XXXX, I decided to contact XXXX to see if they knew how to help. I chatted with a representative who told me the bank account ending in XXXX did not exist, and the money should bounce back soon. On XX/XX/XXXX, I called both banks. They kept making me call back and forth, saying the other bank should be responsible for the missing money. I called XXXX once again on XX/XX/XXXX and XX/XX/XXXX, to see if there was any update. No answer. On XX/XX/XXXX, I called bothe banks again. I called XXXX first. The representative told me the money should have bounce back at that point. He, then, asked me for the ACH trace number from Chase to do a follow up. I, then, called Chase. I asked for the ACH trace number from that specific transaction, however, the representative told me he could not find an ACH number for that transaction, which made no sense, because days prior, they said they could not cancel the transfer because it was a ACH transfer. I called XXXX again, and was told they could do nothing to help me without the ACH number. On XX/XX/XXXX, I mailed two letters. One to Chase and one to XXXX, to which I have not heard any response from either bank. On XX/XX/XXXX and XX/XX/XXXX, I received a call from the number XXXX. They did not leave a voicemail. I decided to look the number up, and everywhere it says it is a Chase Bank scam. I decided to stop calling after that. Both banks seem to not be very honest with their customers. I wish they would have told me there was nothing for me to do and just accept the money was gone ( the questions still stands. Where did the money go? ). Instead, they kept sending me back and forth and make me waste a month trying to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Subject : Identity Theft, Fraudulent Activity Dispute, and Security Breach Notification Re : Request for Investigation and Blocking of Fraudulent Information under FCRA and FACTA Dear Experian, I am writing to formally notify you that I am the victim of identity theft and to dispute fraudulent and inaccurate information currently appearing on my credit file. This letter is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair and Accurate Credit Transactions Act ( FACTA ).

Upon reviewing my credit report, I discovered unauthorized and fraudulent accounts/inquiries that I did not open or authorize. Additionally, I have reason to believe that my personal information has been compromised due to a security breach, which may have facilitated this fraudulent activity.

Actions I Am Requesting : Immediate blocking of fraudulent information under FCRA 605B, which requires the credit bureau to block identity theft-related information from appearing in a consumers file within 4 business days of receiving the proper documentation.

Initiation of a reinvestigation of all disputed information per FCRA 611. Please investigate the disputed accounts and remove any unverifiable or fraudulent data.

Placement of a fraud alert on my file for a minimum of one year ( or extended, if applicable ), in accordance with FCRA 605A.

Free copy of my updated credit report showing all changes made due to this request.

Enclosed are the following supporting documents : A copy of my government-issued ID ( drivers license or passport ) A copy of a utility bill or bank statement verifying my current address A completed FTC Identity Theft Report ( or police report if available ) A list of the fraudulent accounts or inquiries being disputed A signed statement affirming I did not authorize the fraudulent activity Please treat this matter with urgency and respond within the 30-day period mandated by federal law. If the information is not corrected, blocked, or removed as required, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies.

Thank you for your attention to this matter. 

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