vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 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 2025-06-14 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: IN

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 explanation
Consumer complaint received 2025-06-14 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: Klarna AB
State: KS

Complaint narrative:
I have excellent credit and am responsible with my money and credit accounts. In the last six months, NINE Klarna accounts have been opened and appear on my XXXX credit report. I have never, and would never, apply for a a Klarna account, let alone nine of them. Some were opened on the same day and some were opened for as low as {$32.00}! I have repeatedly tried to dispute these accounts w XXXX  and they say they are legitimate. Klarna has confirmed twice via email that they have no record of my accounts in their system yet they are still appearing on my credit report. I can not contact my bank for help bc they arent actually charging items, they are just opening accounts. So Klarna cant help, XXXX  wont help, and Im left with nine fraudulent accounts even though I have good credit and am responsible. Im in an endless loop of no one being able to help me resolve this fraud. Please help me get these off my record. I do everything right but am being punished for this fraud committed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-14 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: TX

Complaint narrative:
These accounts were charged off on XX/XX/year> Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CO

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable information that is on my credit report. I disputed multiple times with credit bureaus and it keeps coming back updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint. They never sent verification of the debts, the original contracts bearing my signature, or explanation of the amount and how it was calculated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: CO

Complaint narrative:
According to 15 USC 1681, I have the right to dispute inaccurate and unverifiable information that is on my credit report. I disputed multiple times with credit bureaus and it keeps coming back updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint. They never sent verification of the debts, the original contracts bearing my signature, or explanation of the amount and how it was calculated.

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 2025-06-14 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Before Chase acquired XXXX XXXX XXXX XXXX in XXXX, I was a long-time client of XXXX XXXX XXXX XXXX  XXXX My accounts had terms that included no monthly fees and no minimum balance requirements. When my accounts were transferred to XXXX, those same terms were honored and remained unchanged for over a decade. 

However, without my knowledge or consent, Chase changed my account types between XXXX and XXXX of XXXX, transitioning my savings account into a checking account which carries monthly fees while keeping my original checking account neither of which earns interest. This change was never clearly communicated to me, and as a result, I was charged over {$880.00} in fees over the years. These fees were incurred during the COVID-19 pandemic, a time when I was unemployed and financially vulnerable. 

Despite the drastic change in account terms and the financial burden it placed on me, I received no direct notice or documentation from Chase that this change would occur or had occurred. 

On XX/XX/XXXX, at XXXX XXXX., I visited the XXXX XXXX branch and spoke with a representative named XXXX. He reviewed my account history and acknowledged the issue. XXXX was able to secure a refund for 5 months worth of fees. 

Later, on Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX., I called Chase customer service. I initially spoke with a representative named XXXX, who then transferred me to XXXX. XXXX added an additional 12 months of compensation, but he was dismissive and made no effort to address the core issuethat my account was changed without my knowledge or consent. When I requested documentation showing proof of any notice for the change, XXXX told me to go get it at the branch instead of offering to provide it through any formal or accessible channel. I asked to speak with a manager but was refused a proper escalation path. 

To date, I have not received adequate answers, compensation, or restoration of my original account terms. I believe this change was deceptive, unauthorized, and financially damaging, especially considering my long-standing relationship and history with these accounts. 

I request that Chase restore the original account terms, reimburse any fees charged as a result of this unauthorized change, and provide a full investigation and written explanation for the account modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
Dear CFPB, I have previously filed complaints against Equifax. 
Equifax doesn't have my credit listed correctly and this is very damaging to me and is unfair. Equifax is showing my credit in the XXXX 's when the other two bureaus have my credit in the XXXX 's. How can they be that different? This is damaging to me and needs to be corrected immediately! 

Currently Equifax is showing all of my XXXX XXXX loans as derogatory and having a {$0.00} balance and XXXX  XXXX Bankruptcy. I have contacted XXXX XXXX two times this week to review the status and I was told that the account is open and in deferment. 

I want to receive a copy of the information that Equifax has received to list my loans on my credit as being derogatory, {$0.00} balance and XXXX  XXXX Bankruptcy. Please provide this to me immediately. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
AS A CONSUMER, AND NATURAL PERSON, ADMINISTRATIVE AGENT I DIDNT PROVIDE ANY PERMISSION TO FURNISH ANY OF MY PERSONAL INFORMATION THIS IS VOLUNTARY AS PER MY CONSUMER XXXX XXXX XXXX YOU HAVE SET INDIVIDUAL ACTION ON MY REPUTATION I HAVE BEEN ABUSED BY YOUR CORPORATION/ I DEMAND TO YOU REMOVE ALL THE ACCOUNTS THAT ARE BEING DISPUTED/ I WILL ALSO ADVISE THE CFPB OF THIS HORRIFYING ADVERTISING THAT HAS BEEN ERRONEOUS ON MY NAME/ PURSUANT THE FCRA AND FTC Experian XXXX disputed online Report number XXXX XXXX Credit Acceptance XX/XX/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 XX/XX/XXXX XXXX  list disputed online Confirmation number : XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXXXXXX 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 XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I received a debt collection notice from Midland Credit Management regarding an alleged XXXX XXXX  ( MCM Account # XXXX ). On XX/XX/scrub> 2025, I sent a formal written dispute and debt validation request in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). XXXX failed to provide proper validation. 

Despite that, they continued collection activities and issued a Pre-Legal Notice dated XX/XX/scrub> 2025, which I did not receive until XX/XX/XXXX. This is a 15-day delay that appears intentional and misleading. They also updated my credit report on XX/XX/year>2025, marking the debt as in collection and reporting missed payments with no validation, in violation of both the FDCPA and FCRA 623.

Their behavior constitutes continued reporting and negative credit actions without validating the debt, despite multiple cease and desist demands. This was not an isolated eventthis same company has done this across multiple accounts. Ive attached proof of the collection updates, pre-legal threats, and failure to validate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account has not been active since XX/XX/year>, and I was charged monthly fees of {$12.00} since XX/XX/year>. Since there is no activity in the account since XX/XX/year>, there is no service provided and thus the fee should be refunded. My account balance is reduced every month and half of the balance was used to pay the monthly service fees. When I called to Chase Bank explaining the situation, only 1 monthly service of {$12.00} being refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
Account ( XXXX XXXXXXXX XXXX XXXXXXXX ) Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am having trouble with my credit card company constantly charging requirements and debt to my name every time I dispute the charge in his paid off it pops up again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is showing I have a balance on my Florida department of education account and I have submitted that I owe {$0.00} and they have not updated my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  and the credit reporting agencies ( Experian, Equifax, and TransUnion ) for the unlawful reporting of a closed account with derogatory marks. 
The account ( opened XX/XX/year>, closed XX/XX/year>, balance {$0.00} ) is reporting 30- and 60-day late payments after closure and/or while showing a XXXX balance. 
The reporting is inaccurate, unverifiable, and misleading, in violation of : FCRA 1681i ( a ) failure to investigate disputed information thoroughly.

FCRA 1681s-2 ( a ) failure of the furnisher ( XXXX XXXX XXXX  ) to report accurate and complete information.

FCRA 1681c ( a ) potential inclusion of obsolete derogatory data.

The bureaus have failed to remove this unverifiable and incomplete data after dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: AL

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$9900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief