vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MS

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts 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

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 2025-12-29 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$1300.00}. XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested from each company above to provide a chain of evidence in order to verify that this alleged debt belong to me. I have requested per the FCRA that these companies abid by there legal obligation under consumer laws. If these companies fail to provide this evidence I request per the FCRA these item be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested from each company above to provide a chain of evidence in order to verify that this alleged debt belong to me. I have requested per the FCRA that these companies abid by there legal obligation under consumer laws. If these companies fail to provide this evidence I request per the FCRA these item be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
After carefully reviewing my TransUnion consumer credit report, I identified multiple accounts that were being collected, maintained, and reported without my written authorization and without any lawful or permissible purpose. At no time did I provide TransUnion with verbal or written instructions to include these accounts on my credit file. Despite this lack of authorization, TransUnion continues to report the accounts and disclose my personal consumer information to third parties. I submitted formal disputes to Transunion requesting a reinvestigation and specifically asked for proof of written authorization or other documentation establishing a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). TransUnion failed to provide any written authorization, validation, or competent evidence demonstrating that these accounts were reported lawfully or accurately. In addition, several of the disputed accounts reflect inflated balances, high balances, and charge-off amounts that include improper, excessive, or unauthorized fees, resulting in materially inaccurate and misleading reporting. By continuing to publish this information without verification or correction, Transunion has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and has furnished consumer reports without a permissible purpose in violation of 15 U.S.C. 1681b. These reporting errors have negatively affected my credit profile and exposed me to ongoing financial 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX BK XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX BK XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I requested the documentation of roof inspection they informed me the case was closed that they are not required to provide anything to me ( audio recording ) and failed to address inspection that I hired someone to provide. I have sent certified documents to include the stop of daily phone calls and mail several times a day. They are demanding insurance denied while Ive been clear there is no such file in order to appease good leap my ins drafted a courtesy letter for me and as they continue to find things I need to provide they refuse to respond to my request if they are represented by legal counsel they should not be communicating with me not just for provision of inspection and the fact that I have not presented counsel and my request began a month or more prior they have reported my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is refusing to fix the 30 days delay in my credit reports after they have an agreement with XXXX to honor and consider late payments in the acknowledgement that XXXX collect and send the payment to Bank of America in different days than collected. I made these 2 payments under this agreement and acknowledgement. Bank of America seems not to acknowledge the agreements or the Bank of America employee are not aware of the agreements, but only apply the basic knowledge. I paid both amount in FULL and BEFORE the date of expiration. It is hurtful that after being a loyal customer of Bank of America for over 30 years, they do not honor the loyalty of their customers, neither acknowledge the payment in full all credit cards before the time of maturity. I request a re-consideration and escalation to a higher level of decision, since this decision is contrary to their customer service protocol on a loyal customer who paid in full all debts before the due time, and remained loyal to the bank for over 30 years.

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 2025-12-29 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have notified Pennymac multiple times in XXXX XXXX and XXXX tryiny to resolve missing tax refund check. in late XXXX i refinanced my home. Just prior to closing was informed that my pripety taxes appeared unpaid, even though tjhey had already been paid by Pennymac in XXXX from my escrow account. Because the tac authority had not yet posted the payment XXXX advised that the refinance could not close unless the taxes were paid again. Relying on this instruction, i paid the taxes a second time at the end of XXXX, and the tax authority received and posted my check within XXXX hours paid online.I was assured I wouold be refunded. 

After hearing nothing from pennymac thru XXXX and going online and noting that my refund was not refunded to escrow, i began contacting pennymac late XXXX and thru XXXX. For several weeks, representatives repeatedly denied having recievewd any reund check. In late XXXX I called again and a representative informed me that i had cashed the check on XX/XX/XXXX. and asserted that I cashed it even though I never received it. This directly contradicted earlier statements that Pennymacc had never recieved the refund. When I contacted the tax authority, I was informed that the refund was issued back to Pennymac on XX/XX/XXXX, well before the date Pennymac claimed the check was cashed all the while denying they had received a refund. 

On XX/XX/XXXX I spoke with a supervisor in Pennymac XXXX department, who stated that the matter would be investigated and that she would call me back in XXXX business days. at the end of the following week I called pennymac once again. I explained the entire situation to yet another supervisor. He listened and when I finished, he said don't call us, we will call you. That call and response was on Friday, XXXX XXXX. It is XX/XX/XXXX and I have not heard from Pennymac. This company is very inept or there is someone on inside stealing money. I no longer have a loan with Pennymac. They are taking XXXX responsibility in this matter. My money has dissappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: GA

Complaint narrative:
I am filing a complaint regarding Klarnas handling of a dispute related to an unauthorized shipment from XXXX. 

I originally ordered merchandise from XXXX that was shipped via XXXX XXXX That shipment was lost or stolen and did not arrive before a planned trip. XXXX issued a partial refund. Without my authorization or request, XXXX re-shipped a second order. 

I explicitly informed XXXX that I did not want a replacement shipment. When the unauthorized shipment arrived at my local post office, I refused delivery and notified the postmaster that I did not order the package. XXXX returned the package to the sender. I never received or possessed the merchandise. 

I provided Klarna with written email confirmation from the postmaster verifying that the package was returned to sender and never collected. Despite this evidence, Klarna denied my dispute, stating that leaving goods uncollected is not covered under their terms, incorrectly characterizing the situation. 

This was not a case of abandoning an order. The shipment was unauthorized, refused, and returned. Under U.S. consumer protection law, consumers are not responsible for payment for unordered merchandise. 

Klarna has now restarted payments for goods I never received, despite the dispute being ongoing for over six months. I believe Klarna is failing to properly investigate the dispute and is attempting to hold me financially responsible for a merchants error. 

I am requesting that Klarna reverse all charges related to this unauthorized shipment, stop all collection activity, and correct their records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My personal information was compromised due to security failures at Experian. This exposure occurred through no fault of my own. 

After becoming aware of the breach and experiencing difficulty accessing my credit report, I contacted both credit bureaus to request assistance, remediation, or protective measures. Representatives for Experian stated that they could not take action regarding the breach and did not provide a solution to restore access or protect my identity beyond general advice. 

As a consumer, I rely on credit bureaus to maintain accurate, secure credit files and to provide reasonable access. The refusal or inability to assist leaves me unable to verify my credit information and exposes me to ongoing risk of identity theft.

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 2025-12-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXXXXXX XXXX XXXX XXXX  Date : XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$6500.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$310.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$780.00} DEPT OF EDUCATION/XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$30000.00} XXXX  - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$1700.00} XXXXXXXX XXXX XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$760.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$240.00} XXXX XXXX XXXX - Account Number XXXX XXXX, Date Opened : XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-12-29 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: MD

Complaint narrative:
They are decreasing the credit score crazy amd my using of credit 21 % have no collections no over use no bad history and when I called them the three companies try to pushe to work with financial advisors and also advice me with some names and companies. 
That's not fair that no one monitoring there action. 
I got notice that alot of hard inquiries had been removed same day my credit score decreased XXXX point few weeks, for three months I stopped using any credit and paid off most of my accounts, paying more than the minimum amount just increased XXXX points then decreased XXXX point then XXXX points then XXXX points that not fair and fraud.

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