vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
There are several inaccuracies on my credit report. I have reached via mail no response has been provided. If the company does not update and correct these records promptly, I will consider pursuing legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CO

Complaint narrative:
I am a victim of XXXX XXXX, and I have submitted all the necessary documents required under the Fair Credit Reporting Act ( FCRA ), as implemented by Regulation V, specifically 12 CFR 1022.142. This regulation prohibits credit reporting agencies from including adverse information in consumer reports that resulted from XXXX XXXX. 

I submitted this information to the Experian and Equifax credit reporting agency, and they have responded by stating they will remove the items as the law requires. Despite this, Experian and Equifax have not taken the necessary steps to remove these items. TransUnion has removed the information. 

I have been assisted by a nonprofit organization that has helped me navigate this situation, but I am now preparing to seek assistance from the Consumer Financial Protection Bureau, as I may need to pursue legal action due to these violations. If more documents or information are needed, I am willing to provide them. I am requesting assistance as the law entitles me to after going through this trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Lil' Wave Financial, Inc.
State: NY

Complaint narrative:
I am disputing the actions of Superior Loan servicing regarding my request for a short sale for my property. I originally submitted a credible offer of {$160000.00}, supported by recent comparable sales and professional valuations and with my short sale package on XX/XX/XXXX I'm not behind on monthly payments because the loan was a short-term hard money loan with a XXXX balloon payment due XX/XX/XXXX. Since I couldnt sell the property in time, the loan is now in maturity default, and the payoff amount is increasing monthly due to high default interest. 

The appraised value of the home is lower than the loan balance, so no traditional or private lender is willing to refinance. 

I've submitted all necessary documents including comps supporting the offer for the property. My short agent called every week after submitting my short sale package. I've submitted XXXX hardship letter. first one was dated back in XXXX, and in XX/XX/XXXX, of this year. We never got a response from the lender. I have waited for about 2 months without a response. There were no communications from the lender. 

Despite this, Superior Loan Servicing has wrongfully denied my short sale request on XX/XX/XXXX without providing specific reasons or offering alternatives. The lender has delayed, and my appeals have not been escalated to a supervisor or underwriting XXXX. I am deeply concerned that Superior Loan Servicing is unreasonably delaying and mishandling the process, causing unnecessary financial harm and risking foreclosure. 

I request the CFPB to investigate Superior Loan servicing 's handling of my short sale application. 

I seek guidance on enforcing lender obligations and ensuring that all loss mitigation options are fairly evaluated. 

I want XXXX XXXX to re-review my request, escalate it to a supervisor, and allow me to proceed with the short sale at {$160000.00} or accept a modification loan. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX ExperianP.O. XXXX XXXX, TX XXXX Subject : Request for Investigation under the Fair Credit Reporting Act ( FCRA ) Dear Experian : I am writing to formally dispute certain information listed in my credit report. The following accounts contain inaccuracies or incomplete data, and I request a full investigation as provided by the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXXXXXX XXXX XXXX XXXX  Account # XXXX : Marked as charged-off despite recent payments not being reflected. Please verify the current balance and status. 

XXXX XXXX Account # XXXX : Closed account marked with a charge-off. There is no record of a payment plan or settlement. Please validate the debt. 

XXXX XXXX Account # XXXX : Account closed since XXXX, but still shows severe delinquencies. Please confirm the accuracy or consider aging out based on reporting date. 

I have attached a copy of my ID, proof of address, and a marked copy of the credit report for your reference. 

Please respond within 30 days, as required under the FCRA. 



Sincerely, 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
I recently review my credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that I was in fact paid on time. It's very important that consumer reporting agencies report all information truthful and with complete accuracy. This account has not been late on payments and I've attached a copy of my report to this complaint that shows the following dates XX/XX/year> and XX/XX/year> as being late payments but shows the company actually sent in on time payments for that same month to a different reporting agency. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time Immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a formal dispute regarding a charge-off account that is currently being reported on my credit file. I have previously contacted the creditor and formally requested a Form 1099-C ( Cancellation of Debt ) to validate that the debt was legitimately charged off and to confirm the tax reporting of the cancellation.

To date, the company has failed to provide the 1099-C form, which is essential in verifying whether the debt was actually cancelled. Without this documentation, the debt can not be legally verified and therefore should not be reported as a valid charge-off on my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported. Since the creditor has not met the burden of proof or provided adequate documentation, this charge-off must be deleted from my credit report immediately.

Account Details : Account Type : Charge-Off Creditor : Preferred Lease Disputed Item : Lack of Form 1099-C or validation of cancellation Requested Action : Immediate deletion of this account from all credit reports Please investigate this matter and ensure the necessary corrections are made. I also request written confirmation once this item has been 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 2025-06-24 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your pro

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: T.S. Holdings
State: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX I am writing to report that I am a victim of identity theft. I did not authorize the creation or use of the following accounts, nor have I had any business relationship or prior knowledge of them until they appeared on my credit report. These accounts were opened or reported without my permission, and I believe they were fraudulently created using my personal information : XXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX, closed with {$890.00} written off, sold to XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX, collection account for {$640.00} from XXXX. 
XXXX XXXX XXXX Account # XXXX, opened on XX/XX/XXXX, collection account for {$10000.00} from XXXX XXXX XXXXXXXX XXXX. 
I did not apply for these accounts, use any services related to them, or receive any benefits from them. I am willing to cooperate fully with any investigation and to assist law enforcement in identifying the perpetrator ( XXXX ) of this fraud. 

I am requesting that all records associated with these accounts be flagged as fraudulent, and that these entries be removed or blocked from my credit report under the protections provided by the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ). 

I have also taken the following steps to protect my identity : Notified the major credit bureaus XXXX XXXX XXXX XXXX ) Please consider this a formal statement of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} INQUIRIES : XXXX XXXX Date : XX/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 2025-06-24 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: GA

Complaint narrative:
Provided the necessary documentation to block and remove the fraudulent information from my credit file the company stated my documents were invalid to violate my civil and credit rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 submitted a request to Klarna in XX/XX/XXXX to apply my eligibility under the Military Lending Act ( XXXX ), which caps XXXX at XXXX XXXX. This request was not processed in a timely manner. I was later asked to resubmit my documents in XX/XX/XXXX, which I did. 

On XX/XX/XXXX, Klarna confirmed that my account had been adjusted and that I was owed a refund due to overcharges. They informed me that a check would be sent within XXXX business weeks. After six weeks with no refund received, I followed up and was told on XX/XX/XXXX that the check had not been issued due to a technical issue, and that I would now need to wait another XXXX weeks. 

As of XX/XX/XXXX, the refund has still not been issued. Klarna has acknowledged the refund is owed but has failed to provide a resolution. These delays ( especially involving an MLA-protected refund ) are unacceptable and may violate federal law. I have repeatedly followed up and requested expedited processing, but Klarna continues to delay repayment.

Company response to consumer: Closed with explanation