vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MS

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  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ 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 2025-07-08 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information in My Credit Report To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I am writing to demand an immediate and thorough reinvestigation of the inaccurate, incomplete, and unverified information listed on my credit report. You have previously received disputes regarding these accounts, yet failed to provide proper validation or documentation as required by federal law. 
1. REMOVE inaccurate name variations not matching XXXX XXXX XXXX. 
2. REMOVE or CORRECT : - XXXX XXXX account ending in XXXX : Charge-off reported without validation. 
- XXXX XXXX account ending in XXXX : Listed as a collection account without proper documentation. 
If you are unable to validate this information with original signed documentation from the data furnishers, you are required by law to delete or correct these items. Under FCRA 1681i and 1681e ( b ), and FDCPA 809 ( b ), I demand that these items be deleted or corrected within 15 days. 

Additionally, I request : - Deletion of any inaccurate personal identifiers ( including name variations or incorrect addresses ). 
- Full disclosure of the reinvestigation procedures. 
- A response in writing confirming the outcomes of each dispute. 
- Financial remedy of {$1000.00} per violation pursuant to FCRA 1681n and FDCPA 813 ( a ) ( 2 ). 

Failure to comply will result in legal action and complaints to the CFPB, FTC, and State Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am filing this complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information, unverifiable negative accounts, and unauthorized inquiries on my credit report. I have disputed these items directly with Experian, but they have failed to correct or delete the inaccurate information in accordance with federal law. 

Below are the details of the violations : Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not mine and have never been associated with me. Reporting incorrect identifying information is a violation of FCRA 602 ( a ) and 607 ( b ). Experian has failed to remove these despite my dispute. 

Unverified and Inaccurate Accounts : XXXX  XXXX ( Opened XX/XX/XXXX, Balance : {$1200.00} ) : Reported as a charge-off without proof of default, no validation notice, or billing history. This violates FCRA 623 and FDCPA 809. 

XXXX ( Opened XX/XX/XXXX, XXXX : {$0.00} ) : Reporting a late payment on a {$0.00} balance is misleading and violates FCRA 607 ( b ). 

XXXX XXXX XXXX ( Opened XX/XX/XXXX, High Balance : {$710.00} ) : A late payment is listed without any prior billing, notice, or supporting documentation, violating FCRA 611. 

XXXX XXXX XXXX ( Multiple Accounts Opened XX/XX/XXXX and XX/XX/XXXX ) : Reporting several collection accounts ranging from {$650.00} to over {$29000.00} without consumer notice or itemized bills. These are violations of FCRA 604, 609, and FDCPA 809 ( a ). Some accounts appear to be duplicates, which is deceptive. 

Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize or initiate credit applications with any of these companies. Reporting hard inquiries without consumer consent is a clear violation of FCRA 604 ( a ). 

Despite my formal dispute letter, Experian failed to properly reinvestigate or provide documentation supporting these entries. Instead, they chose to verify these accounts without proper evidence or validation. This behavior demonstrates negligence, non-compliance with federal law, and a failure to uphold consumer protection obligations. 

Requested Resolution : Immediate deletion of all unverifiable and inaccurate accounts, addresses, and inquiries listed above A full investigation into Experians dispute handling practices Regulatory action to hold Experian accountable for their continued FCRA violations The continued presence of these inaccurate and harmful entries is causing me ongoing financial and emotional hardship. I respectfully request that the CFPB intervene and ensure Experian complies with the 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 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed this collection with Equifax multiple times. Every time I put in dispute, they will tell me that the account was verified and that it belongs to me. I got it in contact with the original collector XXXX XXXX XXXX. They sent me over paperwork on XXXX, XXXX when I received the paperwork, Ive noticed that the Social Security number connected to that account ( XXXX ) is not the same as my Social Security number ( XXXX ). So therefore this account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I saw an ad on XXXX posted by XXXX XXXX ( XXXX ) on XXXX for a month to month apartment lease on XXXX. I sent 2 separate transactions for the requested deposit of originally {$320.00} and another {$100.00} upon request on XX/XX/year> from my chime checking account to their chime checking account ( $ XXXX ). Upon the owner of the account then changing the parameters of the rent start date as well as rent term ( to 2 weeks of residence ) which neither were agreed upon when sending the deposit. I attempted to get the individual to send the deposit back at which time they started using profanity and calling me derogatory words and stated 'they had already applied the {$420.00} to rent and would send it back when they could " i stated that wasn't sufficient and created a dispute ( # XXXX ) on XX/XX/XXXX, which was denied on XX/XX/XXXX by Chime stating that it was not an unauthorized transaction, which was not what I was disputing with the transaction, but rather having never received what I paid the deposit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Scratch Financial, Inc.
State: MT

Complaint narrative:
I signed up for Scratchs advertised 12-month zero-interest plan at my vets office, but the fine print revealed it was actually only six months. I tried to make regular payments, but their system often rejected my banks ACH transfers. After working with customer service to resolve it, one payment was charged twice, and the issues continued.

Eventually, I mailed a check for the remaining balance, having been told I was still within the agreement window. The check was never cashed. When I followed up, Scratch said they hadnt received it but told me to simply resend it. Months later, I received a {$70.00} interest charge. Despite explaining the situation multiple times and being told it was escalated, I kept receiving past-due notices and was assured interest wouldnt accrue during the review.

When a decision was finally made, I was charged all interestincluding what accrued during escalation. They waived a small portion, but I still paid an extra {$100.00}. Even after admitting their reps misinformed me and confirming it via call recordings, they took no responsibility. Their system also showed conflicting balancesonline vs. phone. After being forced to pay with a credit card, I received a text showing yet another, higher balance that same day.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I just noticed that your company is reporting the following account listed below on my credit report. Account number : XXXX, Please validate this debt. Please investigate and get back to me Fast. This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof of how your company assessed the outstanding debt. 5. Payment history from the original creditor. 6. Name and address from the original creditor. 7. Copy of the original contract bearing my signature. 8. Chain of title on this debt. 9. Proof that you can collect this debt from me. 10.Do you own or is this debt assigned? 11.Copies of all letters sent to me from you and the original creditor regarding this debt. 12.How much did you buy the debt for? 13.When was the last date a payment was made on this debt? 14.What fees/interest was tacked onto the debt? 15.How were the fees determined? Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I am filing this formal complaint against the XXXX major credit reporting agencies-XXXX Experian, and XXXXfor failing to accurately report and correct information on my credit file concerning the XXXX account ( Account XXXX ending in XXXX ). 
Despite the account being paid and closed, XXXX and XXXX continue to report a negative status and a " Late 30 Days '' remark after the account was closed. Meanwhile, Experian reports the account as positive, highlighting inconsistencies between the agencies. These inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : - 15 U.S. Code 1681e ( b ) - Duty of credit reporting agencies to ensure maximum possible accuracy.- 15 U.S. Code 1681i ( a ) - Duty to reinvestigate disputes submitted by consumers.- 15 U.S. Code 1681s-2 ( a ) - Furnisher responsibilities to provide accurate information. 
I have already submitted formal disputes to each bureau but the inaccurate information remains unresolved. These errors negatively impact my creditworthiness and financial opportunities. 
I respectfully request that the CFPB investigate this matter and hold XXXX, Experian, and XXXX  accountable for these violations. I am attaching supporting documentation, including a summary report and copies of my disputes to each bureau. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Acct # XXXX Balance {$19000.00} I recently reviewed my credit report and found a student loan listed under my name associated with XXXX XXXX and/or one of its loan partners. I did not authorize, sign for, or receive any notification of this loan. As a result, this loan may have been fraudulently created, misattributed, or improperly reported. 

FERPA Violation : Under FERPA ( 20 U.S.C. 1232g ), I have the right to expect that my personally identifiable information ( PII ) from education records is not disclosed without my written consent. If this loan was originated or reported using my student information without consent, this represents an unauthorized disclosure and a direct FERPA violation.

FCRA Violation : The FCRA ( 15 U.S.C. 1681 ) protects consumers from inaccurate or incomplete reporting to credit bureaus. Reporting a loan that I did not authorize or agree to is not only inaccurate but damaging to my credit profile and reputation.

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 2025-07-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX Balance {$19000.00} I recently reviewed my credit report and found a student loan listed under my name associated with XXXX XXXX and/or one of its loan partners. I did not authorize, sign for, or receive any notification of this loan. As a result, this loan may have been fraudulently created, misattributed, or improperly reported.

FERPA Violation : Under FERPA ( 20 U.S.C. 1232g ), I have the right to expect that my personally identifiable information ( PII ) from education records is not disclosed without my written consent. If this loan was originated or reported using my student information without consent, this represents an unauthorized disclosure and a direct FERPA violation.

FCRA Violation : The FCRA ( 15 U.S.C. 1681 ) protects consumers from inaccurate or incomplete reporting to credit bureaus. Reporting a loan that I did not authorize or agree to is not only inaccurate but damaging to my credit profile and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft 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
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I recently became aware of a reported late payment on my credit report. This entry does not align with my actual payment history, as I have always maintained consistent, on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Klarna AB
State: UT

Complaint narrative:
On XX/XX/XXXX I made a order for XXXX XXXXXXXX through Klarna buy now pay later, my package said it was delivered on the XXXX of XXXX however I never received my package, I couldnt find my package, I contacted XXXX XXXXXXXX they couldnt do anything about it, therefore I contacted Klarna customer service and explained the issue I was having Klarna basically refused to help me. My only option left was to contact my bank and makes a dispute through them, the first dispute was in my favor however Klarna was still charging my account and got back in contact with Klarna but the was basically giving me the go around. I wanted until the other three transactions from Klarna was done so I can dispute it all together with my bank. My last dispute through my bank was on XX/XX/year>, I got a email back on XX/XX/year> letting me know it was in my favor however on XX/XX/year> Klarna emailed to let me know that my XX/XX/XXXX order has been resolved by my bank in Klarna favor and no further action is required and that Klarna has recharged my account, then I got another emailed that said payment was paid. I immediately, contacted my bank and talked to representative they looked at my dispute and seen it was in my favor the representative I was talking to talked to the dispute and fraud department and they said they could only block that my card and I would have to personally talk to Klarna again because they won in my favor not in Klarna. One of the representative I was talking to ended up giving me the CFPB information to see what my next steps are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : 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