vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: WI

Complaint narrative:
On XX/XX/year>, I mailed a formal written credit dispute to Equifax regarding several inaccurate accounts on my credit file. This dispute was sent via Certified Mail, tracking number XXXX, to an official Equifax address. XXXX tracking shows the letter was never accepted or picked up by Equifax. 

Because Equifax failed to accept the certified dispute, the investigation never occurred and Equifax failed to follow reasonable procedures under FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ).

I later discovered that Equifax completed a dispute investigation and mailed the results to my old address, even though I provided my correct address in the dispute. I also confirmed this directly with an Equifax representative over the phone, who admitted the results were sent to the wrong address.

Under FCRA 611 ( a ) ( 6 ), Equifax is required to send the investigation results to the address provided by the consumer. Because they sent the dispute results to the wrong location, I never received them and the investigation was not properly completed. 

I am requesting the CFPB require Equifax to : Correct my address to XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX Resend ALL dispute results Properly reinvestigate the accounts Delete any information that can not be fully verified I have attached : My original dispute letter The certified mail receipt USPS tracking showing attempted delivery Proof of my correct address ID Screenshot showing the dispute was marked completed Notes regarding Equifaxs admission that they sent the results to the wrong address Equifax has failed to follow FCRA procedures, failed to properly investigate, and failed to send legally-required results to the consumers correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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:
I am submitting this seventh follow-up complaint regarding the repeated reporting of inaccurate and unverifiable accounts on my credit reports with Experian, Equifax, and TransUnion. Despite my prior disputes and requests for removal, these accounts continue to appear on my credit reports, negatively impacting my creditworthiness and causing undue stress. I am requesting the immediate removal of these accounts under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 

The first account in dispute is XXXX XXXX * * * * * * * *, reported as XXXX XXXX : {$0.00} in Experian and TransUnion. I previously submitted multiple disputes regarding this account, but it continues to appear inaccurately on my credit reports. The continued reporting of this account is unverifiable, misleading, and damaging, and therefore I am formally requesting that it be permanently removed from all bureaus. 

The second account is XXXX XXXX XXXX * * * * * * * *, reported as Balance Owed : {$43000.00} in Experian, Equifax, and TransUnion. Despite numerous prior complaints and disputes, this account remains listed and continues to negatively affect my credit profile. The information provided is inconsistent and can not be substantiated. Under the FCRA, unverifiable information must be removed, and I am requesting its immediate removal from all three credit reports.

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 2025-12-03 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: NY

Complaint narrative:
I am submitting this complaint because Experian has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I first disputed this error on XX/XX/year>, and sent a follow-up notice on XX/XX/year>. Experian has not provided any documentation, verification, or supporting evidence proving that the late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including Experians obligations under 15 U.S.C. 1681i to conduct a reasonable reinvestigation and remove unverifiable information. Since Experian has been unable or unwilling to obtain verification from XXXX XXXX, federal law requires the deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ).

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 2025-12-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I took out a loan to cover School I havent take most off the classes and I haven get back the money from the school ( Achieved test prep ) or climb

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: KS

Complaint narrative:
TrueAccord debt collector agency constantly/ harassing me about an account that is not mines Account XXXX XXXX XXXX XXXX  Account : XXXX Amount : {$210.00} I asked multiple time of a copy of owner ship of this account. Telling them this is no my account i have no knowledge of this account. I was never issued copies of what I ask for. Im being harassing via text message, email, calls from this agency. This is fraudulent and demand a removal of this account from my credit report. A copy of removal in mail.

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 2025-12-03 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: Self Financial Inc.
State: MD

Complaint narrative:
Self Financial/ Lead Bank is reporting this account that I don't fully understand. I am requesting clarification for account XXXX because the information being reported in my XXXX file contains several inconsistencies that require documentation to understand and verify. 
The account is reported as open with a {$130.00} balance and {$100.00} past due as of XX/XX/year>. However, the balance history shows multiple issues. Every entry from XXXX through XX/XX/year> shows {$0.00} paid on XX/XX/year> or {$0.00} paid on XX/XX/year>, even for months long after those dates. For example, the XX/XX/year> balance is listed as {$100.00} with {$0.00} paid on XX/XX/year>, and the XX/XX/year> balance is {$94.00} with {$0.00} paid on XX/XX/year>, even though the scheduled payments for those months were different. 
It is unclear how payments made months earlier were applied to future billing cycles, and no updated payment activity is shown for XXXX through XX/XX/year>. Additionally, the payment history shows 30-, 60-, 90-, and 120-day late marks in XXXX, XXXX, XXXX, XXXX, and XX/XX/year>, but the balance history shows no payments received after XX/XX/year>. There is no explanation of how the delinquency progression was calculated or how the past-due amount increased to {$100.00}. 
To clarify the reporting and understand how these numbers were determined, I am requesting the following documentation : The complete payment history for the account The dates each payment was applied The ledger showing how scheduled payments were calculated The explanation of how late statuses ( 30/60/90/120 ) were assigned The calculation used to determine the {$100.00} past-due amount Any notices or billing statements that support the payment timeline Because the reporting currently shows repeated references to outdated payment dates and no record of payments after XX/XX/year>, I am unable to determine how the account is being updated. Please provide the documentation used to support the entries so that the reporting can be reviewed and fully understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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've asked for everything in the letter thats submitted.

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 2025-12-03 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: MO

Complaint narrative:
I am submitting this complaint regarding inaccuracies and inconsistencies on my credit reports with Experian, Equifax, and TransUnion that have caused confusion and potential harm to my creditworthiness. On Experian, my XXXX  XXXX account ending XXXX shows numerous late payments from XX/XX/XXXX through XX/XX/XXXX, including 30-, 60-, 90-, and 120-day delinquencies, which do not align with my actual payment history, and my XXXX XXXXXXXX accounts XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX appear to have been reopened and charged off after previously being removed, with late payments reversed, creating an inaccurate portrayal of my account history ; additionally, multiple XXXX accounts ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX report late payments on Experian that do not match other bureaus, and some late payments are only reported to Experian. On Equifax, the same XXXX XXXX XXXX account shows late payments from XX/XX/XXXX through XX/XX/XXXX with a similar pattern of repeated 30- through 120-day lates, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX accounts show unexpected charge-offs after previously being corrected, creating misleading reporting about account reopening and status. On TransUnion, the XXXX account XXXX XXXX XXXX XXXX XXXX reports late payments in XX/XX/XXXX and XX/XX/XXXX that are not reported on other bureaus, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows repeated late payments through XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX similarly show charge-offs after prior resolution, with late payments reversed, all of which misrepresent my payment history and account standing.

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 2025-12-03 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: LEXISNEXIS
State: UT

Complaint narrative:
On XX/XX/2025, I applied for a XXXX credit card. Instead of being approved for an unsecured card, I was only offered a secured card that required a security deposit in order to open the account. I accepted the secured card because I needed access to credit, and XXXX placed a hard inquiry on my credit report. Being forced into a secured product required me to tie up my own funds and accept subprime terms, which caused financial harm. 

I recently obtained my LexisNexis consumer disclosures and discovered that my file contains inaccurate and mixed consumer data belonging to other individuals, including incorrect identity elements such as an SSN fragment that does not match mine. This inaccurate and mixed data created a false and elevated risk profile. 

XXXX relies on LexisNexis data as part of its identity verification and risk assessment process. The inaccurate and mixed information in my LexisNexis file made it appear as if I had negative history and risk indicators that do not belong to me, which resulted in XXXX only offering a secured card with a required cash deposit. 

I previously disputed the inaccurate data with LexisNexis and requested my full consumer file and reinvestigation results. LexisNexis did not provide complete or FCRA-compliant reinvestigation results and has not demonstrated that the inaccurate or mixed information was corrected, which has led to continued adverse credit outcomes and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: MO

Complaint narrative:
XX/XX/year> sent letters to XXXX XXXX XXXX XXXX XXXX ( {$440.00} ) also XXXX XXXX XXXX XXXX XXXX XXXX ( {$720.00} ), sent another letter on XX/XX/year>, no action nor response taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: PR

Complaint narrative:
I am requesting that my case be formally reviewed, as I have asked Klarna for a transaction investigation. I fully complied with the return process and I have verified XXXX proof of delivery showing that the merchandise was returned to the merchant, XXXX. 

The issue began on XX/XX/year>, when a duplicated order was processed through Klarna without my authorization for a total of {$81.00}. 
I contacted both XXXX and Klarna, and an investigation was opened, but it was never completed, nor did I receive any response. I waited an entire month, during which both parties kept stating that the case was with a supervisor, yet no one ever provided a resolution.Later, Klarna advised me to return the items so that XXXX could issue the refund. I contacted XXXX again, and they provided a return label. I agreed to return the items in order to complete the investigation.The return was completed properly. According to XXXX the package was delivered to the merchant on XX/XX/XXXX, XXXX notified Klarna, and they informed me that they would contact XXXX to confirm the return. 

However, despite the confirmed delivery, the merchant never responded to Klarna. 
As a result, my dispute was closed by Klarna due to system limitations, even though the return was completed correctly and all required documentation was provided. 

I have been trying to resolve this matter since XXXX and have submitted the evidence multiple times. 
At this time, I am still being charged for merchandise that was returned to XXXX. XXXX states that they will contact Klarna, and Klarna now says they can not assist me further and that I must pay the full amount because the merchant has not refunded them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
I am filing this complaint because after reviewing my credit reports from Experian, Equifax, I discovered conflicting and inaccurate information regarding two XXXX XXXX accounts, which has caused confusion and misrepresentation of my credit history. The first account, XXXX XXXX ending in XXXX with a {$0.00} balance, Date of Last Activity XX/XX/XXXX, and Date Reported XX/XX/XXXX, is showing a 30-day late only on Experian, while both Equifax and XXXX accurately display the account in good standing, which indicates that Experians version does not match the records maintained by the other bureaus or my own documentation. The second account, XXXX XXXX XXXX, also with a {$0.00} balance, Date of Last Activity XX/XX/XXXX, and Date Reported XX/XX/XXXX, is reporting on Equifax with inconsistencies in how the account status and timeline appear compared to the information I possess. These discrepancies suggest a failure to comply with multiple sections of the FCRA, including 611 ( 15 U.S.C. 1681i ) which requires a proper reinvestigation of disputed information, 623 ( a ) ( 2 ) which obligates furnishers to correct and update information across all bureaus consistently, 623 ( b ) which requires a reasonable investigation once notified of inaccuracies, and 15 U.S. Code 1666 and 1666a which address correction of billing-related errors and restrictions during a dispute. I attempted to resolve these matters through the credit bureaus, but because the information remains inconsistent and continues to portray an inaccurate version of my credit history, I am requesting CFPB intervention to ensure that all reported information is fully verified, corrected where necessary, and aligned across all reporting agencies in accordance with federal law.

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 2025-12-03 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-12-03 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: TN

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation