vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: CO

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 {$470.00} REPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX  REPORTING ON ALL  BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today I am filing this complaint because there are multiple accounts on my credit report that are inaccurately reported, inconsistent across different months, and in violation of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX ( TransUnion ) and the furnishers involved have failed to ensure maximum possible accuracy and continue to report outdated, unverifiable, or misleading information. 
I have submitted disputes directly to TransUnion regarding these accounts. However, they continue to report inaccurate and unverifiable information in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to delete or correct unverifiable disputed items 15 U.S.C. 1681s-2 ( b ) : Furnishers duty to investigate and update information upon dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today I am filing this complaint because there are multiple accounts on my credit report that are inaccurately reported, inconsistent across different months, and in violation of the Fair Credit Reporting Act ( FCRA ). The XXXX XXXX XXXX ( TransUnion ) and the furnishers involved have failed to ensure maximum possible accuracy and continue to report outdated, unverifiable, or misleading information. 
I have submitted disputes directly to TransUnion regarding these accounts. However, they continue to report inaccurate and unverifiable information in violation of : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to delete or correct unverifiable disputed items 15 U.S.C. 1681s-2 ( b ) : Furnishers duty to investigate and update information upon dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Deinde Online Services, LLC
State: MN

Complaint narrative:
I have called couple of time to resoled problems with not reporting correct info like my address or debts i file a bankruptcy and they are reporting still hard inquiries are not right either my wallet was stolen i told them that have the stuff is not me intergra is the main XXXX XXXX is not right at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
please investigate the negative accounts reporting 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
please investigate the negative accounts reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I recently discovered a debt collection on my credit report for an auto insurance policy from the year XXXX with XXXX, which was sold to caine & weiner. This policy did not belong to me, and the person who created the policy didn't have my consent or permission to open it in my name. I have my own auto insurance policy with XXXX XXXX since XX/XX/XXXX. The XXXX policy number is XXXX caine & weiner account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
I made 2 purchases XX/XX/year> and XX/XX/year> using Klarna card through XXXX XXXX for the XXXX XXXX online. The items did not fit properly so my spouse returned them on XX/XX/year> inside the XXXX XXXX store at XXXX XXXX. The refund was {$2000.00} and processed via XXXX XXXX Klarna card and returned back to Klarna XX/XX/year>. However Klarna received the refund back and applied the refund of {$2000.00} to the incorrect orders on my accountDespite multiple disputes filed and submission of the XXXX XXXX receipt showing the refund on the Klarna app posted. They have FAILED to correct the issue with my refund for the 2 returned orders. Klarna also applied a portion of that refund which was in the amount of {$990.00} to an order I never returned and now I was unable to return the shirt due to Klarna closing out the order that left me stuck with a shirt I did not want. Also the other portion of the refund was applied to a canceled order by XXXX XXXX I never picked up that already had a {$0.00} balance .. Klarna has refused to apply the refund correctly and they have reopened both of the orders and have taken payments out of my bank account for items that was returned and the money was refunded back to them. I have sent a Demand letter from my attorney office I have also made numerous calls to Klarna for the past 30 days with different representatives stating the problem will be corrected and it will go to the ESCALATION department to correct and they will send an update on the refund correction with 48 hours .. I uploaded the return receipt and XXXX XXXX confirmed the return and refund and Klarna still reopened both orders and is forcing me to pay the orders they got the refund back on. Klarna has FAILED and I want ACTION NOW and this to be CORRECTED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I got little credit cards, from bread financial to help my credit rating, but for some reason their bank could not run the payment for the cards, I have always paid well over the minimum payment. They called when it was delinquent, and told.me the account was no longer active, as iny bank account. That bank account was active and still use it to this day. It's in my husband 's name as the active user and I am on the allowed to use list. They spoke to him he said yes process the payment. Bread finical kept saying it is an inactive account or it was closed. It wasn't. They kept asking about another account or a debit card. I told them his is only a checking account and we do not have a debit card to the account nor do we want one. This is after I got 8 calls in one day after I had already talked to them! They refused to do anything. I requested paper bills and paid off 2 cards that they knew we're having issues on. They lowered my limits with out telling me which effected my credit score, then closed the cards which also lowered score. Now they keep saying I owe more. When I sent a check off last week to pay off ulta they are saying I havnt paid and closed that account furthering my credit score to bottom out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$570.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I received the results of an online dispute I filed with TransUnion and Equifax and Experian regarding an account reported by XXXX XXXX XXXX, XXXX ( XXXX ) for {$12000.00}. 

My dispute was not about whether the account exists or whether the balance amount was correct, my dispute was that the loan funds were disbursed without my valid consent, based on a XXXX of XXXX I did not knowingly sign or authorize. This is a core issue of account legitimacy and authorization, not just payment history. 

In my online dispute, I specifically stated that XXXX released the funds without proper authorization and referenced that this matter is already the subject of an active CFPB complaint against XXXX. 

The dispute result from TransUnion simply stated that the account was verified as accurate in balance and status. The same was true for exportable and equifax It did not address or investigate my central dispute point, whether the completion certificate was valid and the disbursement was authorized. 

This appears to be a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). TransUnion did not address the actual nature of my dispute, and XXXX failed to meet its duty as a furnisher under FCRA XXXX ( b ) to investigate all elements of the dispute and provide accurate, complete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received the results of an online dispute I filed with TransUnion and Equifax and Experian regarding an account reported by XXXX XXXX XXXX, XXXX ( XXXX ) for {$12000.00}. 

My dispute was not about whether the account exists or whether the balance amount was correct, my dispute was that the loan funds were disbursed without my valid consent, based on a XXXX of XXXX I did not knowingly sign or authorize. This is a core issue of account legitimacy and authorization, not just payment history. 

In my online dispute, I specifically stated that XXXX released the funds without proper authorization and referenced that this matter is already the subject of an active CFPB complaint against XXXX. 

The dispute result from TransUnion simply stated that the account was verified as accurate in balance and status. The same was true for exportable and equifax It did not address or investigate my central dispute point, whether the completion certificate was valid and the disbursement was authorized. 

This appears to be a failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). TransUnion did not address the actual nature of my dispute, and XXXX failed to meet its duty as a furnisher under FCRA XXXX ( b ) to investigate all elements of the dispute and provide accurate, complete information.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-08 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: FL

Complaint narrative:
on XX/XX/XXXX I went to make a purchase and they were pushing me to open a credit card. I already had one that was closed since I was not using it and they said they would reinstate. I told them I did not want any pulls on my credit report. What they did is they actually pulled my credit and opened a new account and my credit score went down XXXX points. 

The company is XXXX XXXX account ending in 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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
They have been calling since XXXX of this year saying I owe them money from XXXX XXXX XXXX but I dont even have them as a provider I have XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: RI

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 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