vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: SC

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 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-07 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:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: TX

Complaint narrative:
I made a payment using Klarna virtual card for a hotel stay on a pay by month basis. The hotel stay was cancelled not long after the charge and the hotel refunded the payment. Klarna refunded the payment to my Klarna balance instead of the loan because they " could not match the payment ''. The refund and charge amount were exactly the same and the names on them were also exact. I contacted Klarna who said it was the hotels issue. I explained that the hotel only used their virtual card and charged and credited that card, this is not a Klarna website payment made through a checkout link. They sent to the backend department ( they said ) and then it was denied and interest was still charged and never credited properly. I used the balance plus interest to pay the loan off. This should have been credited properly and interest cleared. This is a deceptive practice to get extra interest.All of this was within the last month, and communication was along the last two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-07 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:
Both the bureau and furnishers are in violation of XXXX U.S.C. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
Please examine this entryit appears late and possibly wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information that continues to be reported on my credit file despite a previous dispute and lack of proper verification. Under the Fair Credit Reporting Act ( FCRA ) 611, I requested that the credit reporting agency and the data furnisher conduct a proper reinvestigation and provide documentation verifying the accuracy of the reported account.

However, no supporting documentation or validation was provided to confirm the accuracy of the account. The information remains unverifiable and therefore must be deleted as required by law. I have made good faith efforts to resolve this matter directly with the credit bureau ( s ), but the inaccurate item is still being reported, negatively affecting my credit profile and causing financial harm.

I am requesting that this unverified and inaccurate information be permanently deleted from my credit report in compliance with FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I disputed I called both my credit and company Called them to give me the information and none was given

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This is a formal dispute regarding the inaccurate, unverifiable, and misleading reporting of the accounts listed below. BARCLAYS BANK DELAWARE is in direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), GEORGIA STATE CONSUMER PROTECTION LAWS, and XXXX XXXX XXXX by continuing to report unverified derogatories, failing to maintain maximum possible accuracy, and neglecting its legal obligation to delete inaccurate information when disputed. Each account listed below represents violations that must be addressed immediately. 

I have identified the following accounts reporting erroneous, incomplete, and misleading information which is legally obligated to fully investigate and provide detailed verification methodologies : BARCLAYS BANK DELAWA XXXX DATE OPENED XX/XX/XXXX BALANCE {$11000.00} This account is reported as CLOSED and a XXXX late in XX/XX/XXXX, yet no substantiating documentation has been provided to confirm this derogatory claim. XXXX  is in violation of FCRA XXXX ( b ) for failing to ensure accuracy, GEORGIA STATE LAW O.C.G.A. XXXX for deceptive reporting, and XXXX XXXX XXXX protections under the FCRA requiring reinvestigation. Continuing to report an unverified delinquency on an authorized user account is misleading and unlawful.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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:
My name is XXXX XXXX, and I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion have continued to report accounts that are inaccurate, conflicting, and unverifiable even after I submitted multiple written disputes. I have done everything the Fair Credit Reporting Act ( FCRA ) requires of me to correct these issues, yet each bureau has failed to conduct a lawful reinvestigation and continues to publish harmful and inconsistent data. 

I discovered that several accounts on my credit file report different information depending on which bureau is displaying it. Some are shown as open on XXXX report and closed or charged off on another, which violates FCRA XXXX ( b ) and XXXX XXXX reporting standards. Examples include : XXXX XXXX XXXX XXXX ( Account XXXX ) is listed as both charged-off and under a partial payment agreement, which is impossible under XXXX XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) appears open with TransUnion and closed with Experian, even though it is coded as a collection and charge-off on both. 

XXXX  XXXX ( XXXX and XXXX ) show as closed, charged off, and in active collection simultaneously, with late payments still being reported after the charge-off date. 

XXXX XXXX ( XXXX ) is reported as an open collection with Late 120 Days, which directly contradicts industry coding requirements. 

XXXX XXXX ( XXXX ) is labeled as a line of credit, a charge-off, and a collection account all at once. 

Each of these inconsistencies demonstrates that the bureaus and furnishers failed to verify data before continuing to report it. I have asked for verification of the Date of First Delinquency, original creditor information, and documentation supporting ownership or liability for each account. To date, I have received no such proof. 

I have also been directly impacted by the Equifax and XXXX XXXX XXXX breaches, which exposed my personal identifiers and increased the likelihood of mixed-file or identity errors. Because of this, the bureaus were legally required to take extra care in verifying my data under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX, yet they continued to re-publish unverified information across multiple updates. 

This failure to maintain and correct my records has caused me emotional distress and tangible financial harm. I have been denied credit opportunities, paid higher interest rates, and experienced embarrassment when lenders referenced these false charge-offs. My reputation and creditworthiness have suffered despite my consistent efforts to resolve these issues directly with the bureaus.

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 2025-11-07 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: NC

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion have continued to report accounts that are inaccurate, conflicting, and unverifiable even after I submitted multiple written disputes. I have done everything the Fair Credit Reporting Act ( FCRA ) requires of me to correct these issues, yet each bureau has failed to conduct a lawful reinvestigation and continues to publish harmful and inconsistent data. 

I discovered that several accounts on my credit file report different information depending on which bureau is displaying it. Some are shown as open on XXXX report and closed or charged off on another, which violates FCRA XXXX ( b ) and XXXX XXXX reporting standards. Examples include : XXXX XXXX XXXX XXXX ( Account XXXX ) is listed as both charged-off and under a partial payment agreement, which is impossible under XXXX XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) appears open with TransUnion and closed with Experian, even though it is coded as a collection and charge-off on both. 

XXXX  XXXX ( XXXX and XXXX ) show as closed, charged off, and in active collection simultaneously, with late payments still being reported after the charge-off date. 

XXXX XXXX ( XXXX ) is reported as an open collection with Late 120 Days, which directly contradicts industry coding requirements. 

XXXX XXXX ( XXXX ) is labeled as a line of credit, a charge-off, and a collection account all at once. 

Each of these inconsistencies demonstrates that the bureaus and furnishers failed to verify data before continuing to report it. I have asked for verification of the Date of First Delinquency, original creditor information, and documentation supporting ownership or liability for each account. To date, I have received no such proof. 

I have also been directly impacted by the Equifax and XXXX XXXX XXXX breaches, which exposed my personal identifiers and increased the likelihood of mixed-file or identity errors. Because of this, the bureaus were legally required to take extra care in verifying my data under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX, yet they continued to re-publish unverified information across multiple updates. 

This failure to maintain and correct my records has caused me emotional distress and tangible financial harm. I have been denied credit opportunities, paid higher interest rates, and experienced embarrassment when lenders referenced these false charge-offs. My reputation and creditworthiness have suffered despite my consistent efforts to resolve these issues directly with the bureaus.

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 2025-11-07 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: CA

Complaint narrative:
I am writing to dispute certain items on my credit reports that I believe to be inaccurate, incomplete, or otherwise incorrect. I have identified specific accounts and inquiries that I believe are reported inaccurately and am requesting that they be investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each credit bureau : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Dispute : XXXX XXXX XXXX XXXX  : Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Number : XXXX TransUnion ( TU ) : Account Name : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-07 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: PA

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

Company response to consumer: Closed with non-monetary relief