vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Klarna AB
State: GA

Complaint narrative:
On XX/XX/year>, Klarna denied my purchase attempt and issued an automated credit-based decision citing my XXXX  report. 
This denial directly prevented me from completing a transaction necessary to secure temporary lodging ( XXXX ) while actively involved in multiple ADA/FHA federal cases in the XXXX XXXXXXXX XXXX XXXX XXXX 

I promptly contacted Klarnas Compliance Team and submitted a formal ADA/FHA dispute letter requesting that the denial be reviewed as an ADA accommodation request and reconsidered manually, since my situation involves federally protected disability-related income ( SSI ) and housing access needs. 
Klarnas system refused to override or manually review the automated decision, despite receipt of my SSI Benefit Verification Letter and legal documentation. 

This refusal constitutes ongoing harm and discrimination under the following statutes : 42 U.S.C. 12132 ( ADA Title II ) Denial of participation or benefit based on disability 42 U.S.C. 3604 ( f ) ( 3 ) ( B ) Failure to make reasonable accommodation in housing-related transactions 42 U.S.C. 3617 Interference or retaliation in exercising protected housing rights 15 U.S.C. 1681m ( a ) and 1681i ( FCRA ) Right to dispute and correct adverse credit decisions Klarnas automated process prevented me, as a visually-impaired SSI recipient, from accessing essential lodging during federally active disability-related litigation a direct ADA violation causing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: WA

Complaint narrative:
I am disputing the following accounts on my Experian credit report that appear inaccurate, outdated, or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX Account # XXXX XXXX XX/XX/XXXX, {$4100.00} Inquiries XXXX XX/XX/XXXX Late Payment Reporting XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX Please verify all accounts, inquiries, and late payments and remove any that can not be substantiated.

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 2025-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Wanted to purchase the property XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Could not get the seller 's rep or Nationstar to provide me info how to purchase Contacted Nationstar online chat, they gave me phone number to call. Number was to an auction company that handles foreclosures, did not have the rights to sell this property. Nationstar rep would not have anyone contact me Legal Description XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Map Number XXXX Effective Acres XXXX XXXX OWNER INFORMATION Owner Name NATIONSTAR MORTGAGE LLC Owner ID Exemptions Percent Ownership 100 % Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA XXXX. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/year> 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 2025-11-03 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: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am writing to dispute inaccurate and unverifiable information appearing on my credit report. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ), I request that you investigate the accounts listed below and remove any information that can not be fully verified or is reporting inaccurately. 
Accounts Under Dispute : - XXXX  XXXX XXXX Charge Off $ XXXX XXXX XXXX Charge Off $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection $ XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX  Collection {$1700.00} These accounts contain reporting discrepancies and incomplete information. I am requesting : - A full reinvestigation of each account- Documentation validating the accuracy and legality of reporting- The original signed agreement and full accounting history- Verification that each furnisher has the legal right and permissible purpose to report If full documentation can not be provided, you are required to delete the accounts under the FCRA. Please also provide your method of verification as required by 15 U.S.C. 1681i ( a
) ( 7 ).

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General. 
Please mail all results and documentation to the address listed above

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 2025-11-03 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: FL

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information appearing on my credit report. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ), I request that you investigate the accounts listed below and remove any information that can not be fully verified or is reporting inaccurately. 
Accounts Under Dispute : - XXXX  XXXX XXXX Charge Off $ XXXX XXXX XXXX Charge Off $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection $ XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX  Collection {$1700.00} These accounts contain reporting discrepancies and incomplete information. I am requesting : - A full reinvestigation of each account- Documentation validating the accuracy and legality of reporting- The original signed agreement and full accounting history- Verification that each furnisher has the legal right and permissible purpose to report If full documentation can not be provided, you are required to delete the accounts under the FCRA. Please also provide your method of verification as required by 15 U.S.C. 1681i ( a
) ( 7 ).

Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney General. 
Please mail all results and documentation to the address listed above

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 2025-11-03 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: TX

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. 

Outstanding Compliance Issues :

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 2025-11-03 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: AR

Complaint narrative:
XXXX credit card is still reporting to all bureaus that this account is mine but it was included in someone else bankruptcy.

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 2025-11-03 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: Experian Information Solutions Inc.
State: NC

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-11-03 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: Experian Information Solutions Inc.
State: GA

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-11-03 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: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-11-03 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 filing a complaint against both TransUnion and Experian for failing to remove a bankruptcy from my credit report, even after XXXX  has deleted the same item. All three bureaus obtain public record data from third-party vendors ( like XXXX ) and operate under the same legal reporting standards ( Metro 2 and FCRA guidelines ). Therefore, if XXXX  found sufficient cause to delete the bankruptcy, the continued reporting by the other two bureaus suggests a failure to ensure accuracy, completeness, and consistency of the data they furnish.

I submitted disputes to both TransUnion and Experian, requesting deletion based on ( 1 ) XXXX  's deletion, and ( 2 ) the lack of verified documentation. Both agencies responded with vague claims of verification without offering documentation or explanation. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), a consumer reporting agency must delete disputed information if it can not be verified. If XXXX  could not verify it and removed it, then TransUnion and Experian either ( a ) failed to conduct a reasonable reinvestigation, or ( b ) are furnishing inaccurate and outdated data.

This inconsistency violates : FCRA 607 ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) FCRA 611 ( a ) Failure to delete unverifiable information 12 C.F.R. 1022.43 Furnishers must investigate and correct disputed information CFPB Guidance Requires companies to delete information they can not verify after a dispute ( source ) Relevant Case Law : TransUnion LLC v. Ramirez, 594 U.S. 413 ( 2021 ) Establishes that publishing inaccurate credit info can cause concrete harm.

Dun & Bradstreet , Inc. v. Greenmoss Builders , Inc., 472 U.S. 749 ( 1985 ) False reports of bankruptcy can constitute reputational harm and are subject to 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 explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-03 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 have been the victim of a sophisticated phishing scam via email, which resulted in the theft of all my personal information. The individuals involved have gone as far as forging my signature to open accounts and initiate inquiries that I never authorized. Consequently, multiple accounts have been fraudulently opened under my name without my knowledge or consent. 
fraudulents accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief