vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am requesting a review and correction of the following accounts on my Experian credit report. Please ensure that the information is accurately reported or, if unverifiable, removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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: IL

Complaint narrative:
FTCXXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX have failed to remove fraudulent inaccurate information off 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Larry H. Miller Group of Companies
State: CT

Complaint narrative:
I am filing a complaint because Prestige Financial Services engaged in predatory lending practices, refused payments to force a default, and is now attempting to collect a false and inflated debt of {$24000.00} XXXX years after I began paying on this loan. They are also suing me in a state where I no longer reside, which I believe is unlawful under federal debt collection law. I purchase a XXXX vehicle in XXXX XXXX @ 23 % interest with a payment of around {$580.00}. They charged off XXXX and the original amt. was XXXX. 
I was paying this loan from XXXX to XXXX. I fell behind XXXX mos. in XX/XX/XXXX XXXX from Prestige call me about payment I told him I would make payment the follow Friday. He put a XXXX  XXXX on the phone and I expressed the same thing to her. She said I need to make it right away. The following week I went on line to make the 2 payments and it would not go through. I called them and was told my loan was closed so i was not no longer able to make payments because the loan was closed. I purchased and closed on my home in XXXX of XXXX which shows I was making payments. To qualify for a FHA loan I had to have a strong payment history and no late payments. At this point my loan was closed and I heard nothing from Prestige. I moved from XXXX  to XXXX  in XX/XX/XXXX in XXXX they repossessed the car in XXXX. Now in XXXX Prestige has filed a lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX knowing I know longer live in XXXX. They are full aware of my XXXX  address. Filing a lawsuit in a state where a consumer does not live is a violation of the ( FDCPA 1692i ). Prestige has violated multiple consumer protection laws ( UDAAP ), ( FDCPA ), ( FCRA ), ( UCC 9-611, 9-616 ) and XXXX state consumer lending laws and contracts. I never received anything from them. They did not send any notice of default, intent to repossess, right to cure, right to redeem, notice of sale, or notice of deficiency as requires by state law. I don't owe them anything they need to be investigated. They have been doing this to XXXX 's of customers. How are they getting away with doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts, which I believe contain inaccuracies and are negatively affecting my credit. Please review the details below for each bureau and correct the errors. 

Charged Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

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 2025-11-18 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: NC

Complaint narrative:
Statement : I am challenging the accuracy and legitimacy of the following accounts and inquiries being reported by your bureau. The information listed below is inaccurate, unverifiable, or reported inconsistently across all three bureaus. Under the FCRA, you are required to ensure all information is accurate and fully verifiable. Any item that can not be verified must be deleted immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2025-11-18 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: NJ

Complaint narrative:
I am disputing how Equifax is reporting three XXXX XXXX store card accounts on my credit report : XXXX account ending XXXXXXXX XXXX XXXX XXXX  account ending XXXX XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX  On my Equifax report, each of these tradelines shows Account Status : Derogatory and Payment Status : Collection/Chargeoff, with comments such as Purchased by another lender. Unpaid balance reported as a loss by the credit grantor. At the same time, Equifax reports a {$0.00} balance and {$0.00} past due for all three accounts. The two-year payment history also shows recent CO and very late ( XXXX day ) codes even after the accounts have a XXXX balance and have been transferred/sold. 
This combination of codes and comments is inaccurate and misleading. If the accounts were charged off and transferred or sold and now show a {$0.00} balance, the original XXXX  tradelines should simply show closed/charged off with a XXXX balance and transferred/sold, not ongoing Collection/Chargeoff status with remarks that there is an unpaid balance while Equifax itself shows the balance as {$0.00}. This makes my credit appear worse than it really is and does not match how the other credit bureaus report these same accounts. 
I contacted Equifax and asked them to correct the status, remarks, and payment history on these three accounts, or delete them if XXXX can not verify them line by line with current records. Equifax did not make a proper correction and left the accounts showing as derogatory collection/chargeoffs with contradictory information.

Under the Fair Credit Reporting Act ( including 15 U.S.C. 1681e ( b ) and 1681i ), Equifax must ensure maximum possible accuracy and must correct or delete information that is inaccurate, incomplete, or not properly verified. Their current reporting of these three XXXX  accounts does not meet that standard and is harming my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Klarna AB
State: MI

Complaint narrative:
Klarna states I have until XX/XX/XXXX to pay off debt before it comes to collections. I received an email from Indebted XXXX, which is the collections company for Klarna, and they are trying to collect, even though I have until the XXXX ). This is misleading and deceptive, and it caused the account to go into collections even though it was not yet due. They tried to say they sent me mail, however I did not receive it. I have only are received the emails dates for XXXX and XXXX all stating I have until XX/XX/XXXX. 

This violates consumer protection standards under the FTC Act for deceptive practices. If the debt was reported to credit bureaus, it also violates the FCRA for reporting inaccurate delinquency dates. The premature transfer to collections caused financial harm, stress, and confusion.

I am requesting that the CFPB assist in having Klarna : Recall the account from collections, Correct any credit reporting, Provide a written explanation for why the debt was sent early, And ensure this does not happen again.

I am attaching screenshots of the due date Klarna provided and proof of the collection placement.

Resolution Requested : Full removal of the collection account, correction of any reporting, and written acknowledgment that Klarna will follow its stated due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Tried to deposit XXXXXXXX XXXX in to checking account t. ATM froze and did not give credit for funds deposited. XX/XX/year> XXXXXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
Fortiva XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have paid them and Im up to date on payments I have nothing owed I am disputing inaccurate information that Fortiva  is reporting to the credit bureaus. 

Fortiva  is reporting late payments for XXXX and XXXX, but this information is incorrect. I do not have an active credit card account with Fortiva, yet they are still reporting negative information on my credit report. The account itself is inaccurate and should not be appearing at all. 

Fortiva has also been constantly contacting me, even after I told them to stop. This violates FDCPA 805 ( 15 U.S.C. 1692c ), which restricts over-contact, communication after a cease request, and harassment-style outreach. Their repeated calls and messages are unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2025-11-18 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: NV

Complaint narrative:
I am filing this complaint because Experian is reporting unauthorized, unverifiable accounts that are damaging my credit. Under the FCRA, I am requesting immediate correction.

1. Charged Off Disputed These accounts have not been properly verified : XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance

: {$0.00} These items need to be removed or corrected as they are not supported by verification. 2. Inquiries Disputed There are no disputed inquiries listed for Experian. 3. Positive Accounts There are no issues with positive accounts at this time. 4. Late Payment Disputed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate and incomplete items on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and demanding a full investigation and correction of all the accounts listed below. These errors are harming my credit, causing me emotional distress, and preventing me from accessing fair credit opportunities. 

I am contacting the CFPB because Equifax is reporting inaccurate and harmful credit information. These errors violate my rights under the FCRA, and I am asking for immediate assistance. 

1. Charged Off Account ( Unverified / Incomplete ) XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$1100.00} Equifax is reporting this account without validating the accuracy. XXXX has not provided any documentation confirming the ownership or balance. This violates FCRA 607 ( b ) and 611, and I request deletion if it can not be verified.

2. Hard Inquiries UNAUTHORIZED Equifax is reporting inquiries I did not authorize : XXXX XXXX  XX/XX/XXXX INFORMATIVE XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX These creditors have no permissible purpose under FCRA 604, and Equifax must remove any inquiry they can not validate with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from 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 explanation
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 disputing inaccurate account information being reported by Experian. 
The following accounts are being listed as charged-off and are either unverifiable, inaccurate, or reported with inconsistent details compared to other bureaus. Pursuant to the FCRA, I request a complete reinvestigation and deletion of any account that can not be fully verified with original creditor documentation. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are discrepancies in dates and account identifiers between Experians reporting and other bureaus, suggesting possible data mixing or reporting errors. I request that Experian provide evidence of original documentation from each furnisher supporting these entries or remove them if unverified. 

I also request removal of any outdated or incorrect previous address information associated with my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
It gives a false impression of my financial stance.

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