vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Klarna AB
State: IN

Complaint narrative:
On or about XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I attempted to complete a purchase at XXXX using Klarnas installment loan option. The transaction was approved as a {$600.00} installment loan with {$0.00} due at purchase and payments spread over three months. XXXX subsequently canceled the order on the same day, and the loan balance was reduced to {$0.00}. 

Despite the loan being canceled and showing a {$0.00} balance, Klarna continued to treat the transaction as a pending or active loan within its internal systems. As a result, my purchasing power and loan terms were materially affected. I began experiencing significantly higher required down payments for new transactions, including small purchases, even though I had no payment due for more than 25 days and no outstanding balance on the canceled XXXX loan. 

I contacted Klarna multiple times to request confirmation that the canceled XXXX loan was fully closed and removed from their internal systems, and to understand why my purchasing power and required down payments had changed. Klarna representatives refused to escalate the issue, did not provide confirmation that the loan was fully removed, and did not explain the algorithmic or internal decision-making that continued to treat the canceled loan as active or pending. 

This unresolved internal classification has prevented me from using Klarna for ordinary transactions, including time-sensitive purchases, despite my account being in good standing. I am filing this complaint because the canceled loan continues to affect my access to credit and loan terms, and Klarna has not provided a clear explanation or correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This is a follow-up to a previously filed CFPB complaint regarding the same Santander Consumer USA account XXXX 

Despite multiple disputes and a prior CFPB complaint, XXXX  continues to verify inaccurate information without providing the Method of Verification required by FCRA 611 ( a ) ( 7 ).

Santander Consumer USA continues to report contradictory and inaccurate payment history on a closed account with a {$0.00} balance. 

The issue remains unresolved and requires XXXX review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  whom is now closed permanently. I have never received proper registration to operate vehicles legally in the state of California becasue the dealer submitted the incorrect vin numbers to the CA XXXX. I did not catch it myself until I was ticketed on a lake and when dealing with that ticket I discovered all of my documentation was incorrect. I went directly to XXXX to correct it, but they told me they would need to look into and get back to me. This was XXXX XXXX. In XXXX and XXXX I was working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at the local branch however, they can not and have not corrected still to this date. 
Sheffield Financial, is the lender/title holder and they are aware and have confirmed that the titles they hold are incorrect as well but for some reason they will not provide me with a copy of the sales contract, nor did they respond to my demands to rescind the contract citing California XXXX XXXX XXXX, XXXX, XXXX a licensed dealer is required to : XXXX properly submit title and registration documents to dmv after XXXX This has never been done. The dealer submitted incorrect vin # 's. 

I have email correspondence with all parties, minus the closed dealer since XXXX of XXXX proving I have exhausted all avenues and have been unsuccessful in obtaining documentation to legally operate vessels on california waterways, therefore the contract is void. Not only can I not operate them, I can not sell them, I can not move them out of state which I have been trying to leave the State permanently but can not due to this situation. 
I can not be forced to pay for something I legally can not use.

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 2025-12-24 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: NE

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-24 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: SC

Complaint narrative:
I am NOT claiming identity theft. I am disputing inaccurate, incomplete, and unverified credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Despite submitting disputes, the following accounts continue to report conflicting, misleading, and unverifiable information across consumer reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reported with inconsistent balances, statuses ( collection, charged off, unpaid, closed ), inaccurate dates, and unresolved dispute notations. In several instances, the reporting lacks proper disclosure of the method of verification or documentation supporting the accuracy of the information.

This reflects a failure to conduct a reasonable reinvestigation and a failure to provide required disclosures, in violation of 15 U.S.C. 1681g ( a ) ( 1 ), 1681i ( a ) ( 1 ) ( A ), and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I am filing this complaint NOT because of identity theft but because EQUIFAX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account # XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: IN

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 

XXXX XXXX XXXX XXXX & XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened:XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am filing this complaint regarding Discovers reporting of late payments, charge-off, and/or closed account information that I have formally disputed.

Before negative reporting occurred, I notified Discover of hardship and loss of employment and provided supporting documentation. Discover failed to provide or document any reasonable hardship assistance, payment modification, or loss-mitigation options. The account was reported negatively despite this notice.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), Discover is required to conduct a reasonable investigation and ensure the accuracy and completeness of all information furnished to consumer reporting agencies.

To date, Discover has failed to provide documentation validating the accuracy of the late payments, charge-off status, or compliance with XXXX XXXX  reporting requirements.

If Discover can not verify this information, federal law requires immediate correction or deletion of all inaccurate negative reporting.

I am requesting CFPB assistance to : Require Discover to investigate and substantiate this reporting Enforce deletion of unverifiable late payments, charge-offs, and closed account notations Address Discovers failure to provide hardship assistance after documented hardship and employment hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-24 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: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 submitting this complaint because Experian, Equifax, and TransUnion have failed to ensure maximum possible accuracy of my credit reports despite multiple disputes, resulting in ongoing harm to my financial stability. My credit files contain inaccurate personal identifying information, including addresses that do not belong to me such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which increases the risk of mixed files and identity misrepresentation. In addition, all three bureaus continue to report unverified and inaccurate collection and charge-off accounts, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without providing proof of proper validation or lawful reporting authority. These accounts show inconsistent balances, ownership, and account details, yet remain on my reports in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Furthermore, my reports reflect a pattern of unauthorized hard inquiries from lenders such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, many of which occurred on the same dates and appear to be improperly coded or lacking permissible purpose. Despite my disputes, the bureaus have either failed to conduct a reasonable reinvestigation or have simply verified information without meaningful review, which violates FCRA Section 611, FCRA 605 ( a ) regarding obsolete and inaccurate data, and FDCPA 807 and 809 concerning false and unvalidated collection reporting. The continued reporting of this information has caused repeated credit denials, higher interest rates, and emotional distress, and demonstrates systemic noncompliance by the credit reporting agencies with their legal obligations.

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 2025-12-24 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: NV

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion have failed to ensure maximum possible accuracy of my credit reports despite multiple disputes, resulting in ongoing harm to my financial stability. My credit files contain inaccurate personal identifying information, including addresses that do not belong to me such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which increases the risk of mixed files and identity misrepresentation. In addition, all three bureaus continue to report unverified and inaccurate collection and charge-off accounts, including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without providing proof of proper validation or lawful reporting authority. These accounts show inconsistent balances, ownership, and account details, yet remain on my reports in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Furthermore, my reports reflect a pattern of unauthorized hard inquiries from lenders such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others, many of which occurred on the same dates and appear to be improperly coded or lacking permissible purpose. Despite my disputes, the bureaus have either failed to conduct a reasonable reinvestigation or have simply verified information without meaningful review, which violates FCRA Section 611, FCRA 605 ( a ) regarding obsolete and inaccurate data, and FDCPA 807 and 809 concerning false and unvalidated collection reporting. The continued reporting of this information has caused repeated credit denials, higher interest rates, and emotional distress, and demonstrates systemic noncompliance by the credit reporting agencies with their legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing two inquiries currently appearing on my Experian credit report that are fraudulent. I did not authorize, apply for, or give consent to either company to access my credit information. These inquiries were made without my knowledge or permission and are causing significant stress and XXXX. These inquiries do not have a permissible purpose and should never have been placed on my credit report. Their presence indicates unauthorized access to my personal information and represents a clear violation of my rights as a consumer.

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 2025-12-24 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: GA

Complaint narrative:
I am filing this complaint NOT because of identity theft but because TRANSUNION has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA specifically 15 U.S.C. 1681i, regarding the investigation and resolution of disputed inaccuracies on my credit report. I discovered inaccurate and/or unverifiable information on my credit report, including the following accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief