vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjusters ( NCA ) is reporting multiple unverifiable and misleading accounts on my credit reports, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection that is also being reported by XXXX Fundingresulting in duplicate derogatory tradelines for the same debt. 

XXXX XXXX  / XXXX XXXX  loan totaling {$3700.00} that I have never received proper validation for, despite formal disputes. 

NCA has failed to provide any original account documentation, itemized statements, or proof of ownership for either debt. These accounts were disputed and remain unresolved. The TOTAL Card account had already been deleted by XXXX  when reported by XXXX, yet NCA continues to report it under a different debt buyer namecreating confusion and harm. 

NCA is updating these tradelines monthly, artificially re-aging the accounts and damaging my credit score without proper justification or verification. This constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am demanding full deletion of these accounts and regulatory investigation into NCA 's coordinated duplicate reporting and failure to validate debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: NC

Complaint narrative:
I made a full payment you {$240.00} on XXXX XXXX to the debt collection agency assigned to my klarna account They agency confirmed that the payment was received and cleared. However, Klarna continues to show the account as unpaid and under hold/suspension. 
I contacted Klarna multiple times to request that the account be updated despite acknowledging that the payment was made and cleared Klarna refuses to update my account or release hold Their representative repeatedly claim this is due to to automated system and internal policies that prevent manual updates for uo to 3 months. 
this is delay is unacceptable and is affecting my financial standing under the fair credit reporting act ( FCRA ), companies that furnish credit information are required to ensure the information is accurate and timely. A 3 month delay in updating a cleared payment is neither timely nor reasonable I am requesting that Klarna immediately update my account to reflect the paid status and release hold stop negative and inaccurate reporting to credit bureau also provided written confirmation that the debt has been resolved If this is not resolved I will pursue further legal action to protect my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: AL

Complaint narrative:
XX/XX/year> I went to Lend Nation for a title loan. Went back the next day and was forced to leave a 5 star review before the loan was finalized. I was told the payments and interest rate before leaving. I made my 1st payment XX/XX/year> with no problem. 2nd payment XX/XX/year> and was forced to sign a new contract that showed the payments went up by {$200.00}, the interest rate went up over 100 % and the totaled amount to be repaid went up over {$100.00}. I told the worker the numbers were wrong and was told to just sign, which I did out of fear. I showed them the difference contracts and asked for help explaining. I was given a glimpse of the repayment schedule and the worker laughed in my face as I looked in shock because I was never shown or given the repayment schedule. I said I was going to update my review and the worker told not to because they didn't do anything wrong and it would drop their score on 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 monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because Experian is reporting incorrect and outdated personal information on my credit file, despite my efforts to provide the correct and verified details. I formally requested that they update the following : Full Legal Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX Correct Employer : XXXX XXXX ( Delete all Inaccurate Entries ) In my letter, I clearly asked Experian to delete multiple inaccurate entries, including two outdated addresses ( XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ), ( XXXX XXXX  XXXX XXXX XXXX, FL XXXX ). These errors are damaging and misleading, and they violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires Experian to ensure the maximum possible accuracy of the information they report.

I also asked Experian to ensure that all internal systems and records are updated accordingly to prevent these issues from continuing. Incorrect information like this has a serious impact on my creditworthiness, and I am requesting that the CFPB ensure Experian takes immediate corrective action and provides confirmation of the updates.

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: MI

Complaint narrative:
XXXX shut down in XXXX of XXXX, leaving me with incomplete treatment. Due to our contract, they have not fulfilled their contractual obligations, yet their financing partners are still demanding payment. I have tried to dispute the debt due to the bankruptcy and they continued to attempt collecting payment and even withdrew money from a card without permission. They stated that I owe healthcare finance direct even though my treatment wasn't scheduled to be completed until mid-end of XXXX in XXXX. They claim that because I received product, I owe them. However, I attempted to reach out to XXXX a week after they shut down to get my aligners adjusted as they were causing me discomfort and XXXX. I attempted to cut them to fit since I couldn't get ahold of anyone. I also couldn't contact the medical personnel over my case as those details were not provided to me. I originally paid the debt down to around {$500.00} or so dollars out of the orginal amount owed. However, now they want {$1100.00}. I do not believe I should pay for services not fully rendered. If they would like the cut up few pairs of aligners I have left, they can have them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-08 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, my XXXXXXXX BMW XXXX  was repossessed. I later received a notice from BMW Financial Services stating that a deficiency balance was owed after the vehicle was sold at auction. However, I never received a proper Notice of Sale before or after the repossession, as required under UCC 9-611 and applicable state law. I dispute the accuracy of both the deficiency amount and how it was calculated. 

In XX/XX/XXXX, I received a response from BMW Financial Services after submitting a dispute. Instead of providing full documentation, they sent a brief payment summary that lacked specific information such as : A copy of the signed retail installment agreement Proof that the Notice of Sale was mailed properly The actual auction results and sale amount An itemized breakdown of how the alleged balance was calculated I believe this response fails to meet their obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have submitted a written legal dispute demanding validation of the debt and have not received a complete or lawful response. 

As a result, negative credit information continues to be reported on my credit report without proper verification or transparency. This has caused harm to my credit standing. 

I am asking that BMW Financial Services be required to : Provide full validation of the debt, including all supporting documents Cease credit reporting while the dispute remains unresolved Remove or correct any unverifiable or inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted [ Experian/XXXX XXXX to request the removal of inaccurate and outdated name variations that have been incorrectly associated with my credit file. 

Instead of deleting those names, the bureau chose to update or overwrite them with my current legal name, effectively merging incorrect identifiers into my file history. 

This practice maintains the connection between false name data and derogatory accounts that I have disputed, allowing inaccurate information to continue reporting under my identity. 

Under FCRA 607 ( b ), the credit bureau is required to maintain accurate and complete personal information. Updating incorrect names instead of removing them is deceptive, misleading, and prevents a proper dispute and reinvestigation process. 

I am requesting that the bureau : Fully remove all previously listed inaccurate names Not merge or overwrite them into my current name Reinvestigate any account associated with those names Provide verification documentation tied specifically to my correct legal name only This action is necessary to ensure compliance with the Fair Credit Reporting Act and to prevent inaccurate or unverifiable accounts from continuing to damage my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit XXXX , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information reported on my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. The account ( XXXX ) listed below, reported by XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ), are currently being reflected inaccurately on my credit report : Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) Status : Currently Late / 3 Missed Payments Reporting Bureau : [ Specify XXXX, Experian, XXXX if applicable ] I dispute the accuracy and completeness of this account information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I request an immediate reinvestigation of this account. Furthermore, under 1681i ( a ) ( 5 ) ( A ), any item that can not be verified within 30 days must be deleted permanently from my credit report. 

Specific Issues : Multiple tradelines for the same creditor indicating the same delinquency potentially duplicate reporting which misrepresents the extent of delinquency. 
The account is marked as Currently Late, without clear validation or detailed documentation of payment history. 
This negative information may be incomplete, outdated, or unverifiable under 1681c ( a ), which prohibits inclusion of obsolete or unverifiable data.

If the information can not be fully verified with original documentation from the data furnishernot merely through automated e-OSCAR responsesit must be deleted per federal law. Please be advised that failing to respond with verifiable evidence constitutes a willful violation of the FCRA.

Action Demanded : Delete all negative reporting associated with the above-referenced XXXX accounts. 
Provide written confirmation of the results of your reinvestigation within 30 days, per FCRA 1681i ( a ) ( 6 ).

Supply a free updated copy of my credit report reflecting these corrections, as required by 1681i ( a ) ( 6 ) ( B ) ( ii ). 

Be advised that I am documenting all communications related to this matter. If your agency continues to report inaccurate or unverifiable information, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information reported on my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. The account ( s ) listed below, reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ), are currently being reflected inaccurately on my credit report : Creditor : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Status : Currently Late / XXXX XXXX XXXX XXXX XXXX : [ XXXX Equifax, XXXX XXXX if applicable ] I dispute the accuracy and completeness of this account information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I request an immediate reinvestigation of this account. Furthermore, under 1681i ( a ) ( 5 ) ( A ), any item that can not be verified within 30 days must be deleted permanently from my credit report. 

Specific Issues : Multiple tradelines for the same creditor indicating the same delinquency potentially duplicate reporting which misrepresents the extent of delinquency. 
The account is marked as XXXX XXXX, without clear validation or detailed documentation of payment history.

This negative information may be incomplete, outdated, or unverifiable under 1681c ( a ), which prohibits inclusion of obsolete or unverifiable data. 

If the information can not be fully verified with original documentation from the data furnishernot merely through automated e-OSCAR responsesit must be deleted per federal law. Please be advised that failing to respond with verifiable evidence constitutes a willful violation of the FCRA.

Action Demanded : Delete all negative reporting associated with the above-referenced XXXX accounts. 
Provide written confirmation of the results of your reinvestigation within 30 days, per FCRA 1681i ( a ) ( 6 ).

Supply a free updated copy of my credit report reflecting these corrections, as required by 1681i ( a ) ( 6 ) ( B ) ( ii ). 

Be advised that I am documenting all communications related to this matter. If your agency continues to report inaccurate or unverifiable information, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Company response to consumer: Closed with non-monetary relief