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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I made the first request to remove credit reports, but I didn't have enough knowledge to remove the right reports and keep the correct ones. I'm removing the ones I don't recognize and didn't authorize ; the others belong to my personal vehicle and credit card accounts. Below are the reports to be removed. 

Please be attentive to the correction to avoid deleting reports with active and functioning accounts, awaiting your response confirming receipt and analysis. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting an alleged account with a {$1900.00} balance noted as Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. I dispute the accuracy of this information. The record shows the account opened XX/XX/XXXX and updated XX/XX/XXXX, but it provides no documentation demonstrating how the balance was determined or what specific value or consideration was extended. The reporting also shows the account as closed and charged off, with the last payment dated XX/XX/XXXX, yet no proof of underlying obligation exists. I requested written verification identifying the value XXXX claims to have provided and supporting documentation for the charge-off, but no such evidence was supplied. The absence of verification renders this reporting incomplete and inaccurate, and I request its correction or deletion.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
My previous mortgage servicer, XXXX, made a significant escrow analysis error that caused an improper escrow shortage. In late XXXX, XXXX projected my annual property taxes at {$1.00}, reducing my escrow payments from roughly $ XXXX to $ XXXX. Based on this error, XXXX issued an escrow refund of {$1500.00} on XX/XX/XXXX. 

Because this refund was issued in error, my escrow account lacked the funds necessary when the actual county tax bill of {$3900.00} was paid later that same day. This immediately caused a negative escrow balance. XXXX then advanced funds to cover the shortage, and my escrow account remained negative through the service transfer. 

When my loan was transferred to XXXX XXXX XXXX XXXX  in XX/XX/XXXX, the escrow account was transferred with a negative balance caused entirely by XXXX mistake, not by my payment history. Because the account started negative, the following tax cycle also drew from an insufficient balance, which doubled the shortage despite the fact that I made every mortgage and escrow payment on time. 

In other words, both shortages originated from XXXX incorrect {$1.00} tax projection and the improper refund they issued.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: TX

Complaint narrative:
I placed an order through Klarna on XX/XX/year>. The merchant never received or confirmed the order, and I never received any goods or services. Klarnas own policy states that unconfirmed orders are automatically canceled after 10 business days if the merchant does not respond. 
It is now XX/XX/year>, and this authorization is still active. I contacted Klarna support several times requesting that the authorization be canceled. Klarna refused to escalate or close the transaction unless I personally contact the merchant for proof, which I am not required to do under the Fair Credit Billing Act. 
I am requesting that Klarna immediately cancel this unfulfilled authorization, remove it from my account, and provide written confirmation that my obligation for this transaction is closed.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because there are multiple inaccurate and unverified items reporting on my credit files. I have disputed these items directly with the credit bureaus, but they continued to report information that they have not verified with any original documentation or proof of accuracy. 

Some of the accounts reporting are not mine, and I have not been provided with any signed contract, wet signature, or proof of permissible purpose. In addition to that, certain personal identifying information is incorrect and does not belong to me. I have repeatedly requested verification, and the bureaus have not validated anything. 

At this point, the credit bureaus are maintaining inaccurate and unverified information, which is causing harm to my credit profile and financial standing. I simply want all unverified, inaccurate, and unsupported items removed from my consumer reports so that my report reflects accurate information only.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because there are multiple inaccurate and unverified items reporting on my credit files. I have disputed these items directly with the credit bureaus, but they continued to report information that they have not verified with any original documentation or proof of accuracy. 

Some of the accounts reporting are not mine, and I have not been provided with any signed contract, wet signature, or proof of permissible purpose. In addition to that, certain personal identifying information is incorrect and does not belong to me. I have repeatedly requested verification, and the bureaus have not validated anything. 

At this point, the credit bureaus are maintaining inaccurate and unverified information, which is causing harm to my credit profile and financial standing. I simply want all unverified, inaccurate, and unsupported items removed from my consumer reports so that my report reflects accurate information only.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting to formally dispute and request the removal of fraudulent accounts and credit inquiries that have appeared on my credit report. After reviewing my recent credit file, I identified accounts and inquiries that I did not authorize or open. It appears that my personal information was used fraudulently without my knowledge or consent. The specific fraudulent inquiries are as follows : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts and inquiries are not mine and were the result of identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), I am requesting that you remove all information related to these fraudulent accounts and inquiries from my credit report within the required timeframe.

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: GA

Complaint narrative:
The fair outcome I am asking for is to have all the inaccurate late payments on my credit report updated to paid as agreed immediately. I am genuinely stressed by this situation and need it corrected right away so I can finally feel relieved from all the frustration it has caused.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transition I have asked now 3 times to remove the fraud alert off my report I just got my yearly free credit reports and on the transunion report was the fraud alert form 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am submitting this correspondence as a formal XXXX follow-up complaint regarding multiple inaccurate, unverified, and unlawfully reported items that continue to appear on my credit reports. Despite previous disputes, these entries remain without lawful validation or verification. I am therefore requesting permanent deletion, not correction, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Charged-Off Accounts in Dispute XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  * Balance Owed : {$900.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} These accounts are reported as charged off without providing an IRS Form 1099-C confirming any debt cancellation exceeding {$600.00}, as required when a charge-off is treated as income to the consumer. Reporting these accounts without proper verification is misleading, inaccurate, and unverifiable.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must maintain maximum possible accuracy in the information they report. Reporting these charged-off accounts without verifiable documentation constitutes a direct violation. Therefore, I am demanding permanent removal of these accounts from all credit reports, as they can not be verified under federal law. 
XXXX. Collection Account in Dispute XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} This collection entry is being reported inaccurately and without proper verification. Under the FDCPA 807 ( 15 U.S.C. 1692e ), debt collectors may not use false, deceptive, or misleading representations. Furthermore, FDCPA 809 ( 15 U.S.C. 1692g ) requires collectors to provide written validation of a debt upon request before continuing collection or reporting activity. 
Because this account has not been properly verified or substantiated, I am requesting permanent removal from my credit file. 
XXXX. Unauthorized Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX/XX/year> These inquiries were made without my knowledge, consent, or lawful purpose. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), consumer reports may only be furnished for authorized purposes. Additionally, FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) makes it unlawful to obtain a consumer report without a permissible purpose, and FCRA 619 ( 15 U.S.C. 1681q ) prohibits obtaining reports under false pretenses. Finally, FCRA 605B ( 15 U.S.C. 1681c-2 ) grants consumers the right to block and permanently remove information that resulted from unauthorized or fraudulent use.

Because these inquiries were made without authorization or permissible purpose, they must be immediately and permanently deleted from all bureau records, internal systems, and shared databases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
This complaint is regarding JPMCB and not XXXX XXXX. I have previously complained about XXXX XXXX, ( which is now removed ). Now I am complaining about the JPMCB account on my XXXX report. This is not a duplicate complaint. On XXXX, XXXX supplied me with a report on which shows the fraudulent JPMCB account. I am NOW filing this complaint for their reporting of the JPMCB account after it has been reported as fraud. All credit bureaus as well as JPMCB recieved this fraud alert and affidavit, but XXXX continues to report this account in violation of the FDCPA, FCRA, and SC XXXX XXXX XXXX. XXXX has a statutory duty to BLOCK accounts when provided with police reports, affidavits, and other evidence by the consumer. I hearby respectfully request that XXXX immediately BLOCK the JPMCB from my credit report by XX/XX/XXXX ( 4 business days ).

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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting to formally dispute and request the removal of fraudulent accounts and credit inquiries that have appeared on my credit report. After reviewing my recent credit file, I identified accounts and inquiries that I did not authorize or open. It appears that my personal information was used fraudulently without my knowledge or consent. The specific fraudulent inquiries are as follows : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts and inquiries are not mine and were the result of identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), I am requesting that you remove all information related to these fraudulent accounts and inquiries from my credit report within the required timeframe.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting to formally dispute and request the removal of fraudulent accounts and credit inquiries that have appeared on my credit report. After reviewing my recent credit file, I identified accounts and inquiries that I did not authorize or open. It appears that my personal information was used fraudulently without my knowledge or consent. The specific fraudulent inquiries are as follows : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts and inquiries are not mine and were the result of identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), I am requesting that you remove all information related to these fraudulent accounts and inquiries from my credit report within the required timeframe.

Company response to consumer: Closed with explanation