vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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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 2025-04-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

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 2025-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2025-04-07 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: MD

Complaint narrative:
There are inquiries on my report that I dont recognize. I have not given anyone permission to check my credit report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

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, CHALLENGEDORNOT.

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 2025-04-07 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: CA

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: TX

Complaint narrative:
I am writing to formally file a complaint against Klarna regarding several significant issues I have encountered that have caused confusion, frustration, and inconvenience in managing my account and payments. 

Firstly, I received an error message on Klarna 's website stating that my account could not be verified at this time. This error occurred suddenly and without explanation, despite my having successfully made XXXX previous purchases if not more with Klarna. When I inquired about the issue, Klarna initially attributed it to my credit score ; however, this explanation is entirely unfounded. My credit is closely monitored and protected by a freeze that prevents even soft inquiries. I have seen no notifications of any activity related to my credit, and my score has consistently risen throughout this time. Klarna 's reasoning does not align with the facts. 

Secondly, I attempted to make a manual payment for a current purchase due in XXXX, but Klarna processed the payment for a separate, older transaction from XXXX instead. When I raised this issue, Klarna admitted that the error was due to a glitch in their system. This is particularly frustrating because their explanation for the account verification incident also referenced system errors, further highlighting systemic problems with their platform. 

Thirdly, I requested a refund for the incorrect payment and was informed by Klarna 's chat agent XXXX that there was " nothing he could do '' because Klarna does not issue manual refunds. This response is unacceptable, as it leaves me with no viable resolution through Klarna itself. I advised the agent that I would dispute the charge through my bank and made it clear that there should be no negative consequences to my account for doing so. The only alternative Klarna seemed to provide was to allow them to keep the misapplied payment, which is wholly unreasonable. 

These combined issuesthe sudden and unexplained account verification error, the flawed payment processing, and the refusal to issue a manual refunddemonstrate both technical and procedural shortcomings that have caused unnecessary stress and confusion in managing my financial transactions. I am requesting a thorough investigation into Klarna 's practices to ensure greater transparency, accountability, and resolution of these issues. 

Thank you for addressing this matter, and I look forward to hearing about the steps taken to resolve these concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Credit Karma, LLC
State: FL

Complaint narrative:
A few months ago I applied for another one of their cards. It was supposed to be a guarantee and they lied. I was not approved. Nothing showed up on my credit report from the first time as stated to me. This time I was advertised to for another one of their cards. It stated that my credit would not be affected. It showed the same message as it did the first time. This time it did affect my credit score which means they lied. so I want the inquiry removed. I took a screenshot and I can provide that screenshot. I've been patient and emailed them plenty of times with no response. When I finally got a response a few months ago I was told I would hear back and it went silent. I sent email since then weeks ago still no response. So my next step is to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I filed an application with Wells Fargo for a mortgage loan on a property, upon the application being sent to underwriter it was denied due to my credit. I understand sometimes theres confusion sometimes between policy and law but this here is clearly a federal violation in accordance to 15 USC 1611. Im giving full faith in credit in pursuance to 18 USC 8, Federal Reserve Act Sec 16 Application to Notes my application is what creates the line of credit being issued as the bank is just the borrower in accordance to 12 USC 1431, Credit Reporters are private companies who illegal obtain personal information and sell to legitimate business for there needs neither of these private companies credit reporters or bank have any authority over decision making on my money it is unlawful. Federal Reserve Act states with this application the bank will be accredited the amount applied for therefore how could I be denied if my application is what created the money by law. Even in the adverse action letter the amount is XXXX  how can I apply for an amount of XXXX doesnt make sense. Where is the funds issued by the process of my application this is all the mystery hoping I can seek remedy or civil suit will be filed in UNITED STATES DISTRICT COURT.

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 2025-04-07 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I visited XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX to make a purchase. During this transaction, a hard credit inquiry was conducted without my clear knowledge, consent, or proper authorization. 

What is especially troubling is that I have evidence my signature was forged via XXXX in order to falsely authorize this inquiry. This is a serious matternot only unethical, but potentially fraudulent, implicating both XXXX XXXX and Wells Fargo. I can provide the relevant documentation upon request to support my claim. 

It is clear that someone within the organization forged this document and used it to initiate a hard credit pull for with Wells Fargo. Had I known this would occur, I would have opted to pay in cash. I was never given a fair opportunity to make that choice. 

As such, I am formally requesting the immediate removal of this unauthorized hard inquiry from my credit report. Additionally, I will be returning the XXXX XXXX Wells Fargo credit card, as I no longer wish to maintain any business relationship with either company once this issue is resolved and my purchase is finalized. 

I do not understand the delay in Wells Fargo addressing this matter. I hope to get a timely response and resolution. 

Sincerely, 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Subject : Rebuttal to Carrington Mortgage Services CFPB Response ( Case No. XXXX ) Dear CFPB Officer, I am responding to Carrington Mortgage Services reply dated XX/XX/XXXX, regarding my formal complaint. While Carrington acknowledges that I was placed into a disaster-related repayment plan due to Hurricane Beryl, a declared federal disaster, they fail to acknowledge the spirit and intent of such relief. 

According to their letter, I was enrolled in an Informal Forbearance Plan beginning XX/XX/XXXX, following a Natural Disaster Forbearance that ended on XX/XX/XXXX. Carrington also acknowledges receipt of my payments per the structured plan, but states that because payments were not made under the original contract schedule, they reported the account as delinquent. 

This reporting occurred despite the natural disaster relief and despite Carrington 's failure to inform me that entering into a repayment plan would still result in derogatory credit reporting. I was never provided with a clear, written notice of this. 

Additionally, Carringtons reliance on informal plan language appears to avoid full accountability under HUD and FCRA protections designed for borrowers impacted by natural disasters. If the forbearance and plan were legitimate enough to accept payments and apply a structured repayment schedule, then credit reporting should reflect that context, especially when no late fees were assessed or payments missed per the new schedule. 

I am asking the CFPB to review this response and require Carrington to provide evidence of : - Disclosure documents explicitly stating that late credit reporting would continue during the repayment plan. 
- FCRA-compliant procedures for how they report accounts under disaster-related repayment plans. 
- An explanation for why no goodwill adjustment or correction was made, despite receiving consistent payments since XX/XX/XXXX. 

I also request that Carrington be required to correct the erroneous late reporting for XXXX and XX/XX/XXXX and update the credit bureaus accordingly. 

I am also including the following supporting documentation for your review : - My payment records from XX/XX/XXXX through XX/XX/XXXX show consistent payments made in accordance with the structured plan. 
- A copy of Carrington 's response to this dispute. 

Additionally, I would like to cite Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which states that a furnisher of information to consumer reporting agencies may not furnish any information relating to a consumer that the furnisher knows or has reasonable cause to believe is inaccurate. I believe Carringtons continued reporting of these late payments, despite evidence of timely payments under a disaster-related plan, violates this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XX/XX/XXXXThe XXXX Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXX/XX/XXXX XX/XX/XXXX XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA XXXX ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Mailed letter to credit bureaus requesting updated personal private information.

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 2025-04-07 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: NY

Complaint narrative:
I disputed debts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Equifax, Experian, and TransUnion, stating theyre not mine. Experian is the only one that has removed the accounts. I was homeless from XXXX to XXXX, never received notices, and these debts dont belong to me. 
The bureaus had 30 days under 15 U.S.C. 1681i to investigate and remove unverified info. Its been over 30 days since the disputes, nothings fixed. After disputing, I sent certified validation letters to the creditors addresses listed on my report. Multiple letters returned undelivered [ see attached ], proving the addresses are inaccurate. 

This shows the bureaus are violating 15 U.S.C. 1681e ( b ) by reporting unverified, incorrect data. Theyve ignored my dispute and evidence, damaging my credit. 

What I Want : Remove all fraudulent debts from my credit reports immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate why the bureaus failed to act within 30 days and are still reporting inaccurate info. 

Attachments : FTC Identity Theft Report Company Involved : Equifax, Experian, TransUnion, 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 2025-04-07 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I recently viewed my credit report and noticed that there are fraudulent accounts that are not mines that are showing on my credit report. Please can you have these accounts that are not accurate be removed from my credit report immediately. It is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Aid advantage had the wrong address, email and phone number. Never contacted me about loans being out of deferment. Loans were sold without my knowledge or consent. Personal information was accessed my unauthorized users.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to draw your attention to fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress to my financial well-being and personal reputation. As a victim of identity theft, I've already reported this incident and request your cooperation in expeditiously removing all fraudulent information from my credit report while conducting a thorough investigation. I am prepared to provide necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation.

Company response to consumer: Closed with explanation