vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
This letter is a formal dispute under 15 U.S.C. 1681i regarding inaccurate information appearing in my Experian credit report. 
Item in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting as : Charge-Off / Collection, balance {$1900.00}. 
Reason for Dispute This XXXX account contains reporting errors that violate FCRA accuracy requirements : 1. Date of Last Activity is inconsistent with the data reported to XXXX XXXX XXXX 
2. The account shows dispute resolved reported by grantor, yet the current data is still inconsistent, which means the prior investigation was not reasonable.

3. Balance and charge-off status contradict one another, indicating incomplete reportin

g. 4. The account does not meet maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: MD

Complaint narrative:
XXXX XXXX months ago, I noticed that my account balance kept growing despite my early or on-time payments being made. I reached out to support and the first employee I spoke to said that it was because " I wasn't making payments on time, or that I missed a few payments, or that some of my payments didn't go through the first time they were paid ''. I said that was incorrect and that all my payments were made on-time at the latest and no payment has ever been declined. That worker then went to look at my account and came back to tell me that the discrepancy in payment and amount due was due to interest being charged. I then asked " How is interest being charged if the purchase plan and TILA document you're required to give ahead of time state the amount of the purchase, the amount of the finance charge, when payments are due and how much, etc. Even if I don't pay extra but just pay the minimum amount due on the due date, what I'm paying is already specified in the TILA document with interest baked in to the amount I pay back. '' I continued that this isn't a revolving bank account but a pay-in-four/pay-over-time purchase that has already calculated and apportioned interest into the principal amount to be paid every XXXX weeks. Charging extra interest on top of that is not what was agreed to or explained in the TILA document. That worker informed me that they would escalate the issue and someone would reach out to me. A little while later, an employee named XXXX emailed me saying the same thing the first worker said, that the amount due increased due to non-payment, late payment, or declined payment. I again explained that is not applicable to me and to actually explain the justification for additional interest. She did not respond, and I've since sent further emails to Klarna to no avail. I have been trying to get this matter resolved since late XXXX of this year. I am still being charged unexplained additional interest as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX is illegally reporting and attempting to collect a debt in Michigan even though they are not licensed or registered to collect debt in the state. Michigan law requires a debt collector to be licensed under the Michigan Occupational Code. This company does not have the required license. 

They also failed to provide any proper validation of the debt. They did not provide a signed contract, proof of ownership, chain of assignment, or an itemized account history. They even sent XXXX different billing statements with different balances, which shows the information is inaccurate and unreliable. 

Despite being unlicensed and unable to validate the debt, they continue to furnish and verify the account with Experian. This has caused inaccurate reporting, improper verification, and financial harm. 

I am requesting the CFPB to investigate this company for unlicensed collection activity, require Experian to delete this account, and require XXXX XXXX XXXX to stop all collection activity.

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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name es XXXX XXXX XXXX ; Bank of America Account XXXX XXXX ; {$2.00} ; Address XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX ; Social Security Number XXXX XXXX XXXX. 

On XX/XX/year>, I received a written letter requesting that I contact the bank before XX/XX/XXXX in orden to avoid restrictions on my account. I inmediately called the phone number provided in the letter and answered two personal questions they required. they then told me that everything was fine and that I did not need ti do anything else. 

However, the next day I went to the branch closest to my home and presented my updated ID. At the people in the bank, they had no idea why I had received that letter. I asked the representative to call the number on the letter to confirm that everything was fina with my account. She called, and they told her that the legal department was handling my case and they already had all the information they needed. 

despite this, a few days later my account was blocked. I was no longer able to use my debit card or my credit card, all of my payments ( electricity, gas, water and mortgage ) were rejected, causing additional expenses to my finances, and to this day I have received no explanation for the blocking of my funds.

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 2025-11-24 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA placed unexplained holds on internal transfers between my own USAA business checking account and my personal checking account, as well as on my childs linked account. These were standard internal USAA transfers. 

There were no overdrafts, no returned items, no unusual activity, no negative balances, and nothing that meets USAAs stated criteria for a discretionary hold. 

When I contacted USAA, I was repeatedly told only that the hold was an internal feature and that USAA has sole discretion to place any hold at any time. No one would identify : the type of hold, the department that placed it, or the timeline for release. 

I escalated the issue and was informed that this was the end of the line, that the matter would not be sent to XXXX, XXXX, or Legal, and that no written explanation would be provided. 

USAA refused to provide any of the disclosures required under Regulation CC, including the hold classification or a written notice. 

The result is that legitimate internal transfers are being held with no explanation, no notice, and no path for resolution. I am requesting the CFPBs assistance in obtaining a proper explanation and compliance review.

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 2025-11-24 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: MA

Complaint narrative:
I am disputing the following information on my TransUnion credit report. The items below appear to be inaccurately reported or incomplete : Charged Off Accounts XXXX XXXX, XX/XX/XXXX, {$880.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Late Payments 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 2025-11-24 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: MA

Complaint narrative:
I am disputing the following information on my Experian credit report. These accounts and inquiries appear inaccurate and may not reflect complete or verifiable reporting : Charged Off Accounts XXXX XXXX, XX/XX/XXXX, {$880.00} Hard Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Late Payments 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 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Fraud on my Bank of America account. Someone used my XXXX account and charged me {$870.00}. I seen the charge and promptly disputed the charge with my bank. After they investigated it they said the charge was approved off my cell phone and they denied the fraud claim. I did have my cell phone screen replaced days before I noticed the fraud. I handed my phone over to a side stand at the local mall for them to replace my cell phone screen. Was told it will take XXXX hour to do. I left and came back after a hour, paid them cash to repair my phone and went on with my day. 2 days later i noticed a XXXX withdrawal from my Bank of America checking account for {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate or incomplete information appearing on my credit reports. I am requesting that each credit reporting agency conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, and ensure all disputed information is accurate, verifiable, and complete. 
If the information can not be fully verified, I request its immediate deletion from my credit report.Disputed Accounts Charged Off XXXX XXXX  Account ID : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account ID : XXXX Date : XX/XX/XXXX Balance : {$22.00} XXXX XXXX XXXX Account ID : XXXX Date : XX/XX/XXXX Balance : {$0.00} These accounts are reporting as charged-off or derogatory but appear to contain inconsistent or unverifiable information. I request verification of ownership, accurate payment history, and balance reporting. If verification can not be completed, please delete them from my credit file. 

Disputed Inquiry XXXX XXXX  Date : XX/XX/XXXX I did not authorize or recognize this inquiry and request validation of permissible purpose under FCRA 604. If no authorization can be shown, please remove it. 

Disputed Late Payment XXXX  Account ID : XXXX I dispute the reported late payment ( s ) as inaccurate and request verification with original payment records. Please correct or delete if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting that Equifax be restored to my credit file and that all my credit information be updated accurately and completely. Please ensure that my credit report reflects information from all three credit bureaus Equifax as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
I am disputing the accounts, inquiries, and late payment information listed below. These items appear inconsistent with my records or may be inaccurately reported. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$1900.00} LATE PAYMENTS 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 2025-11-24 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am disputing the accounts and inquiries listed below because they contain inaccurate, outdated, incomplete, or unverifiable information. Some accounts show balances I do not owe, incorrect dates, duplicate reporting, and accounts that should not appear on my report. I am requesting a full reinvestigation and correction. 

CHARGED OFF ACCOUNTS ( EQ ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED COLLECTION XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES ( EQ ) XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( multiple dates ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( multiple dates ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  ( multiple dates ) LATE PAYMENTS ( EQ ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am disputing the following accounts and inquiries for inaccurate reporting, inconsistent dates, or unverifiable details. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$4800.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XXXX XX/XX/XXXX {$68000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} INQUIRIES XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Re-aging is when a collector changes the date to make the debt appear newer. 
This is against federal law ( FDCPA + FCRA ). I never open a account in XX/XX/year> this company is falsifying information

Company response to consumer: Closed with explanation