vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
Subject : Equifax Failure to Properly Investigate Disputes, Inconsistent Status Updates, and Continued Reporting of Inaccurate Charge-Offs Details : On XX/XX/year>, I obtained my Equifax credit file ( Confirmation # XXXX ). It shows three closed/charged-off accounts that remain inaccurately reported despite multiple disputes : XXXX. * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Pays as Agreed but also coded with Charge/Closed by XXXX XXXX XXXX 

This is contradictory under Metro 2 standards. 



XXXX. * XXXX XXXX XXXX XXXX Acct. XXXX Status : Charge-Off with a balance of {$200.00} still reported. 

Narrative codes include 022 ( Reinvestigation in Process ) and 167 ( Disputes After Resolution ), showing multiple disputes have been ignored or inadequately resolved. 



XXXX. * XXXXXXXX XXXX Acct. XXXX Status : Charge-Off with balance of {$390.00} still reported. 

Narrative codes also show ongoing dispute status ( 022, 067, 065, 002 ) yet the account continues updating monthly as derogatory. 


Dispute Handling Evidence : Equifax has mishandled my disputes inconsistently. The newer disputes I submitted on XX/XX/year> were closed within one week, but an older dispute I submitted on XX/XX/year> remains Under Investigation. 

Confirmation # XXXX Submitted XX/XX/year> Completed XX/XX/year> Confirmation # XXXX Submitted XX/XX/year> Completed XX/XX/year> Confirmation # XXXX Submitted XX/XX/year> Still Under Investigation This violates FCRA 611 ( a ) which requires all disputes to be resolved within 30 days, and also violates Metro 2 e-OSCAR requirements because the XB code is not being applied consistently across disputes. Equifaxs actions create contradictory reporting and demonstrate bad faith reinvestigation practices. 


-- - Violations : FCRA 611 ( a ) ( 1 ) Failure to complete reinvestigation within 30 days.

FCRA 611 ( a ) ( 2 ) Failure to forward all relevant information to furnishers.

FCRA 611 ( a ) ( 7 ) Failure to provide method of verification.

15 U.S.C. 1681s-2 ( b ) Furnishers failed to conduct a reasonable investigation after notice.

Metro 2 / e-OSCAR Violations Inconsistent and contradictory coding ( 022, 065, 067, 167, 229 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-08-20 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: GA

Complaint narrative:
I am submitting this complaint because my credit report contains several hard inquiries that I never authorized. These inquiries are inaccurately listed and are negatively affecting my credit score, making it harder for me to obtain credit.

Specifically, the following inquiries were reported without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never applied for credit, nor provided authorization for any of these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only include inquiries that are authorized. The presence of these unauthorized inquiries is misleading, inaccurate, and harmful to my credit profile. These inquiries are affecting my ability to secure loans and are creating unnecessary stress and financial challenges. I request that the CFPB investigate this matter, hold the reporting agency accountable, and ensure that all unauthorized inquiries are removed from my credit file immediately. This issue has been ongoing despite my efforts to dispute these entries directly with TransUnion, and I am seeking further action through your office to protect my rights and ensure an accurate
credit report.

Thank you for your attention to this matter.

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 2025-08-20 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: GA

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
My XXXX XXXX account has been completely frozen since XX/XX/year>. I can not log in to the app or website, withdraw funds, or access my account in any way. 

Since I am currently abroad in XXXX, I called Schwab during U.S. evening hours. I was told that the department handling my case was closed and that I should call during U.S. daytime hours. When I called again during those hours, I was informed the freeze was due to a deposit I made, which Schwab considered high. They requested that I fax documents proving the source of funds. I faxed the required documents immediately on the same day. 

Since then, I have called five or six times. Every time, I am told the exact same thing : that another department is handling my case, and that they will send an email to that department. I have never received a single call back, email, or written update from Schwab. Whether I call during the day or evening, the response is always identical that they will escalate and someone will contact me. Nobody ever has. 

I understand that Schwab may need to verify the origin of funds as part of a security process. However, there is no transparency in how this process is being handled. I faxed the requested proofs immediately, but Schwab has not confirmed receipt, has not reviewed them in a timely manner, and has not provided any information about next steps. If this is truly a security check, then the documents should have been reviewed and my account restored by now. 

This lack of transparency and action has left me stranded abroad with no access to my money, creating severe financial hardship. Schwab is wrongfully withholding access to my funds and failing to communicate with me in any meaningful way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a second complaint in response to the first, the issue is that the payment was not received on the correct date and a late fee was added to the account.

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 2025-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/year> These Items I feel is Inaccurate and need to be investigate. 
Under Section 611 [ 15 U.S.C. 1681i ] You are require to investigate the items I believe is inaccurate. If can not be verify within 30 day it need to be deleted by law. 

XXXX ( XXXX ) ( Open in Experian only ) Discoverbank ( XXXX ) ( Open in Transunion and Equifax only ) XXXX ( XXXX ) ( Open in Transunion and Equifax only ) XXXXXXXX XXXX XXXX XXXX ( Open in Transunion Only ) Any closed Account items after investigating need to be delete permanently Under Section 611 Any Inaccurate items after investigating need to be delete permanently Under Section 611

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XX/XX/year> These Items I feel is Inaccurate and need to be investigate. 
Under Section 611 [ 15 U.S.C. 1681i ] You are require to investigate the items I believe is inaccurate. If can not be verify within 30 day it need to be deleted by law. 

XXXX ( XXXX ) ( Open in Experian only ) Discoverbank ( XXXX ) ( Open in Transunion and Equifax only ) XXXX ( XXXX ) ( Open in Transunion and Equifax only ) XXXXXXXX XXXX XXXX XXXX ( Open in Transunion Only ) Any closed Account items after investigating need to be delete permanently Under Section 611 Any Inaccurate items after investigating need to be delete permanently Under Section 611

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 2025-08-20 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: FL

Complaint narrative:
I am writing in regard to the above-referenced account being reported on my credit file. After reviewing my credit report through XXXX XXXX and TransUnion, I noticed that the account is currently being reported as Charge-Off / Derogatory with a balance of {$280.00}, despite being closed on XX/XX/year>. 

I respectfully request an immediate investigation of this account as I believe the current reporting may be inaccurate and inconsistent with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically : 1. The account reflects a profit and loss write-off and dispute resolved by grantor, which raises concerns regarding accuracy and completeness.

2. The balance of {$280.00} appears to still be reported against my credit, despite the account being closed and charged off more than five years ago.

3. The payment history reflects continuous derogatory marks well beyond the date of closure, which could be considered inaccurate or misleading.

Because the information reported is damaging and potentially incomplete, I am requesting the following under the FCRA : Verification of this account : Please provide proper documentation proving that the debt is accurate, valid, and legally enforceable.

Correction or deletion : If you can not verify the accuracy of the reported details, I request that this derogatory account be removed entirely from my credit report with all credit reporting agencies.

This letter serves as my formal dispute and request for deletion in accordance with my rights under the FCRA. Please complete your investigation within the required 30-day timeframe and provide me with a written response.

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 2025-08-20 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: FL

Complaint narrative:
I am writing in regard to the above-referenced account being reported on my credit file. After reviewing my credit report through XXXX XXXX and XXXX, I noticed that the account is currently being reported as Charge-Off / Derogatory with a balance of {$280.00}, despite being closed on XX/XX/year>. 

I respectfully request an immediate investigation of this account as I believe the current reporting may be inaccurate and inconsistent with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically : 1. The account reflects a profit and loss write-off and dispute resolved by grantor, which raises concerns regarding accuracy and completeness.

2. The balance of {$280.00} appears to still be reported against my credit, despite the account being closed and charged off more than five years ago.

3. The payment history reflects continuous derogatory marks well beyond the date of closure, which could be considered inaccurate or misleading.

Because the information reported is damaging and potentially incomplete, I am requesting the following under the FCRA : Verification of this account : Please provide proper documentation proving that the debt is accurate, valid, and legally enforceable.

Correction or deletion : If you can not verify the accuracy of the reported details, I request that this derogatory account be removed entirely from my credit report with all credit reporting agencies.

This letter serves as my formal dispute and request for deletion in accordance with my rights under the FCRA. Please complete your investigation within the required 30-day timeframe and provide me with a written response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Klarna AB
State: NC

Complaint narrative:
Company : Klarna XXXX XXXX. 

Issue : Misrepresentation of payment features/ Unfair or Deceptive Acts and Practices ( UDAAP ) Details : I am filing a complaint regarding XXXX Klarna XXXX feature, which is being marketed in a misleading and deceptive way. 

There are XXXX issues : XXXX. Manipulation of Pay in XXXX installment amounts : When I topped up Klarna XXXX to use toward a purchase, Klarna applied my balance to the XXXX  installment of Pay in XXXX, instead of allowing me to use it directly toward the purchase. After applying the balance, Klarna then adjusted the installment amounts upward once I pressed continue, effectively making me pay more out-of-pocket than initially presented. This is deceptive and not disclosed properly at checkout. 
XXXX. False statements about usage options : XXXX own disclosures state that Klarna XXXX can be used to either ( a ) pay in full or ( b ) cover the first installment in a XXXX in XXXX plan. However, in practice, neither option has been available at checkout when shopping with Klarna partner merchants. Klarna XXXX is essentially unusable for its stated purposes, which misleads consumers into topping up funds that are then locked into XXXX system. 

Because of these issues : Klarna XXXX does not operate as described in XXXX own materials. 
I was misled into believing I could use my balance to pay in full or toward the first installment, but Klarna restricted this option. 
XXXX shifting of installment amounts after checkout creates a bait-and-switch effect that causes financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CA

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 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 2025-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
My brother just sent a screenshot of Jefferson Capital Systems attempting to collect a debt from XXXX. Why are they contacting my family?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a dispute with TransUnion regarding inaccurate information on my credit report. TransUnion opened an investigation but failed to provide me with a meaningful opportunity to participate in the process. 

Specifically, I attempted to provide supporting documents, but TransUnions system would not allow me to upload them. In their response, they admitted they could not open the attachments I submitted. I then went to the TransUnion website, as they instructed, but there was no option available for me to upload any documentation. 

Because of this, I was prevented from submitting critical evidence to support my dispute. As a result, the investigation was incomplete, unfair, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires credit reporting agencies to conduct a reasonable reinvestigation and consider all relevant information provided by the consumer.

TransUnions failure to accept my documentation or provide access to their investigation directly harmed my ability to correct inaccurate information on my credit report. I am escalating this complaint because the companys investigation process is inadequate and prevents consumers from exercising their dispute rights.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
I am submitting this complaint for the third time because my issue with unauthorized transactions on the XXXX platform remains unresolved, and the responses from both XXXX and XXXX XXXX XXXX XXXX ( my bank ) have been misleading and inadequate. 

On XX/XX/year>, funds totaling {$440.00} were withdrawn from my account through XXXX without my authorization. I did not initiate or consent to these transactions. Despite promptly reporting the issue to XXXX XXXX, I have been left without resolution. 

XXXX has repeatedly provided false and recycled responses to the CFPB. In fact, I have copies proving that XXXX simply keeps resending the exact same message each time, without addressing the specifics of my case. This shows a clear lack of good faith effort and raises serious concerns about whether they are taking this matteror the CFPB process itself seriously. 

Meanwhile, XXXX XXXX has failed to take the necessary steps to dispute these unauthorized transactions on my behalf, even though XXXX has indicated that a bank-initiated dispute is required. Instead, the responsibility keeps getting pushed back and forth, while I am left without my stolen funds. 

This situation is extremely concerning and demonstrates both XXXX and XXXX XXXX failure to fulfill their obligations to protect me as a consumer. 

An investigation into XXXX practice of sending repeated, non-responsive canned replies to CFPB complaints, which undermines the seriousness of the process. 

I am being forced to file this for the third time because both XXXX and XXXX XXXX have failed to act in good faith. I request immediate CFPB intervention to hold both entities accountable and ensure that this matter is properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief