vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: AL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) for failure to properly reinvestigate disputed information and continued reporting of inaccurate, incomplete, and unverifiable data on my consumer credit report. 

I disputed multiple tradelines with Experian/Equifax/TransUnion : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX days XXXX XXXX  loans ( multiple tradelines ) XXXX, XXXX XXXX XXXX XXXX charge-off XXXX charge-off XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Violations include : Failure to perform a reasonable reinvestigation FCRA 1681i ( a ) Failure to maintain maximum possible accuracy FCRA 1681e ( b ) Failure to forward all dispute documents to furnishers 1681i ( a ) ( 2 ) Continued reporting without competent documentary evidence Possible re-aging of accounts illegal extension of reporting period I demanded verification under FCRA and Regulation V ( 12 CFR 1022.43 ) which requires furnishers to : Investigate disputes, Review all documentation I provided, Report accurate results back to the bureaus. 

Instead : The CRAs marked the accounts as verified, But refused to provide Method of Verification, Furnishers did not provide any proof, such as signed agreements or itemized payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
There were XXXX purchases in my account with After pay with insufficient funds in my account I don't recall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
Company name : Klarna Inc . 
Product : Buy now, pay later ( BNPL ) Issue : Refund problem - Merchant never sent refund What happened : I financed a purchase through Klarna for a total of {$470.00} from a merchant called XXXX XXXX 

The merchant ( XXXX XXXX ) confirmed on XX/XX/year> that my refund had been approved and would be issued. However, I have never received the refund to my bank account or card. 

I contacted Klarna several times to report this issue. Klarna stated that the refund was the merchants responsibility, but the merchant has since stopped responding and appears to have disappeared. 

Because Klarna financed the transaction, they are responsible for ensuring that refunds are processed properly. I am requesting that Klarna issue the refund of {$470.00} directly to my original payment method or provide proof of refund transfer if they did which I dont believe, the only thing that happened was that since they were not able to help me I disputed in my bank and it still was not helpful and I was told to reach to KlarnaXXXX XXXX. 

It has now been over XXXX months since the refund was approved, and no funds have been received. I am asking for the CFPBs assistance to get Klarna to resolve this issue and ensure I am refunded the {$470.00} owed to me. 

Amount involved : {$470.00} Date of issue : XX/XX/year> Merchant involved : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: MO

Complaint narrative:
am the consumer who personally submitted this complaint. My dispute was not sent by any credit repair company and was fully authorized by me. Clarity is falsely claiming the complaint was not submitted by me in order to avoid investigating the inaccurate and potentially re-aged accounts I disputed. This ignores the fact that I provided my correct name, contact information, CFPB verification, and supporting documentation with the original filing. 

Clarity is refusing to conduct a reinvestigation as required by the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), which states a consumer may dispute accuracy through the CRA or through the CFPB portal. Instead of investigating, they closed the complaint without addressing any of the disputed accounts or evidence provided. This is noncompliance and a stall tactic to avoid liability and CFPB oversight.

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 2025-11-02 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: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint because TransUnion and Discover Bank are reporting inaccurate and inconsistent information about my Discover Secured Credit Card account. 

The account is being reported as charged off with a balance of {$270.00} and repeated C/O remarks, even though I paid on time initially and the account was later closed. The reported payment history contains multiple inaccuracies and inconsistencies, including changing balances and past due amounts that do not reflect actual activity. 

This account shows Charge-Off starting in XX/XX/XXXX and continuing every month through XX/XX/XXXX even after closure which is impossible under FCRA reporting XXXX. Once an account is charged off, it should not continue accruing new charge-off notations monthly.

These errors violate 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to properly reinvestigate disputed information ).

Supporting Facts Date Reported Status Error XXXX  XXXX 30 days late, I made a timely payment XXXX XXXX 6090 days late. Dates inconsistent XX/XX/XXXX XX/XX/XXXX Charged off by account provider Charge-off repeated 12+ times Account Closed XX/XX/XXXX Account should not continue reporting late after closure Balance {$270.00}. No updates after closure ; should show {$0.00} or paid/closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
XXXXCFPB COMPLAINT  Experian False Bankruptcy\nReporting (Follow-Up)\nCFPB COMPLAINT  Experian False Bankruptcy Reporting (Follow-Up)\nSubject: Experian Information Solutions, Inc.  Continued Reporting of False XXXX XXXX Bankruptcy\nAfter Prior CFPB Complaint and Court Evidence\nI am filing this complaint because Experian Information Solutions, Inc. has willfully and negligently\nviolated multiple provisions of the Fair Credit Reporting Act (FCRA, 15 U.S.C.  1681 et seq.) by\ncontinuing to publish a false XXXX XXXX  bankruptcy record on my credit report after receiving direct proof\nfrom the U.S. Bankruptcy Court, XXXX XXXX of New York (XXXX XXXX XXXX) that no such filing\nexists and that the court does not furnish consumer data to Experian or any credit bureau.XXXXExperian was previously notified four separate times, including through a CFPB complaint filed in XXXX that the reported bankruptcy was inaccurate and unverifiable. Despite that notice, Experians\nreinvestigation in XXXX XXXX  merely updated the item and extended it to remain on file until XXXX, instead of deleting it as required by law. This conduct violates:\n 15 U.S.C.  1681e(b)  Failure to follow reasonable procedures to assure maximum possible\naccuracy;\n 15 U.S.C.  1681i(a)(1)(A)  Failure to conduct a reasonable reinvestigation;\n 15 U.S.C.  1681i(a)(5)(A)  Failure to delete unverifiable information; and\n 15 U.S.C.  1681i(a)(6)(B)(iii)  Failure to provide a lawful method of verification.\nBecause Experian had actual knowledge of the falsity through prior CFPB correspondence and the\ncourts official letter, its continued reporting constitutes willful non-compliance under  1681n and\n1681o, entitling me to statutory, actual, and punitive damages.\nSupporting Documentation:\n1. Notice of Intent to Sue  Experian Information Solutions, Inc. XXXX XXXX XXXX Experian Report XXXX XXXX XXXX  XXXX XXXX Bankruptcy Dismissed  Filed XXXX U.S. Bankruptcy Court Letter (XXXX XXXX XXXX) confirming the court does not report consumer\ndata\n4. Prior dispute letters (XXXX XXXX XXXX XXXX XXXX CFPB complaint acknowledgment XXXX XXXX Certified Mail Receipts: 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 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citi has called me XXXX times in the last 7 days. And XXXX over the last 15 days. Its the first payment I've ever missed with them.

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 2025-11-02 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: NY

Complaint narrative:
CFPB COMPLAINT SUMMARY XXXX XXXX CHARGE-OFF REPORTING This complaint concerns the continued reporting of an inaccurate and misleading auto lease tradeline by XXXX XXXX, as furnished to TransUnion. 

Account : XXXX XXXX Auto Lease / Charge-Off / Profit and Loss Write-Off Reported Balance : {$32000.00} Date Opened : XX/XX/XXXX ( 33-month term ) Last Payment : XX/XX/XXXX Date Updated : XX/XX/XXXX Alleged Violations : XXXX. XXXX XXXX is reporting a charge-off and profit-and-loss write-off with a current balance of {$32000.00}, despite the account showing a highest balance of {$12000.00} and no late payments ( XXXX ). These data points are internally inconsistent and can not all be true simultaneously. 

XXXX. The account is still being updated in XXXX despite last activity in XXXX, suggesting unlawful re-aging in violation of 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).

3. TransUnions continued publication of this defective tradeline after prior disputes violates its duty to maintain maximum possible accuracy as required under 1681e ( b ). 

XXXX. XXXX XXXX reporting also violates the CFPBs Supervisory Bulletin 2013-09, which mandates that furnishers ensure data integrity, conduct proper investigations, and correct or delete unverifiable information.

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 2025-11-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: MI

Complaint narrative:
My title has the wrong address on it a address that I dont live and doesnt match my current address which they trailer was purchased at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect has failed to provide legitimate documentation proving I ever authorized them to handle, possess, or transmit my personal or account information. I never gave written or verbal consent for this company to collect or report anything on my behalf. 

Their prior responses only repeated balance information, but that is not what I asked for. I specifically requested evidence of consent not a debt validation letter. The company has continued to circulate my private data without my authorization through the E-Oscar system used by the credit bureaus, and this violates proper XXXX XXXX data furnishing standards as well as 15 U.S.C. 1681e ( b ), which requires accuracy and proper verification before reporting. 

The fact that they keep marking my legitimate disputes as duplicates shows they are avoiding accountability. A repeated cut-and-paste answer with no proof of authorization does not fulfill compliance under 15 U.S.C. 1681i ( Reinvestigation ) or XXXX XXXX XXXX XXXX, both of which require the furnisher to provide factual verification of disputed information. 

If ProCollect truly had authorization, they would have no problem producing a copy of the signed assignment or a release agreement from the original apartment complex allowing them to collect or report my data. None of that has been provided. Instead, the company continues to update and report under my personal credit profile without consent, which is a privacy breach and misuse of the credit reporting system.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Email : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Subject : Dispute and Request for Deletion of Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute and request the immediate removal of an incorrect address listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have no knowledge, connection, or affiliation with this address, and I have never resided or received mail there. The inclusion of this incorrect information is inaccurate and could negatively affect the accuracy and integrity of my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and delete this address from my file immediately. Please update my credit report to reflect only my current and verified address on record. 

Enclosed are copies of my photo ID and a recent utility bill/pay stub as proof of my current residence. 

Please provide written confirmation once this incorrect address has been removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Email : 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 2025-11-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patient Accounting Service Center
State: NV

Complaint narrative:
I was hospitalized on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX. I was in respiratory distress and denied emergency treatment until I paid {$5000.00} up front. While still unstable, I was given financial documents to sign under pressure including a form labeled not for use prior to stabilization. I did not have time to review or understand these documents, and the signature on XXXX of the forms does not appear to be mine. 

Since XX/XX/XXXX, I have been requesting an itemized hospital bill in XXXX format, which is the standard institutional claim form used for medical billing. I submitted follow-up requests in XXXX, XXXX, XXXX, and XXXX of XXXX. Instead of the required billing documentation, I received duplicate copies of a nonstandard internal invoice originally sent in XX/XX/XXXX. 

XXXX XXXX sent my account a disputed balance of {$49000.00} to XXXX  for collections without verifying the debt. On XX/XX/XXXX, I formally notified XXXX  in writing that the bill was in dispute. They have continued collection activity without verifying the charges, in violation of the Fair Debt Collection Practices Act. 

On XX/XX/XXXX, I received an unsealed manilla envelope from XXXX collections division in XXXX XXXX, XXXX, which again included only the same outdated invoice and intake documents. The XXXX form has still never been provided. The hospital also kept me for XXXX extra days without medical necessity, stating I lacked home health care which I did not need. 

I am seeking CFPB intervention to stop all collection activity and require the provider to issue proper billing documentation. I am also requesting investigation into the coercive payment practices and improper use of admission forms before emergency stabilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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 dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA 623 ). The following XXXX accounts reflect the same debt, but both are reporting active balances : XXXX XXXX Account # XXXXXXXX XXXX XXXX  {$130.00} Status : Charge-Off XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX {$130.00} Status : Collection * * According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers can not report information known to be inaccurate. Once a debt is transferred or sold, the original creditors account should show a {$0.00} balance and indicate Sold/Transferred. 

Please reinvestigate this matter and remove or correct XXXXne of these accounts so only one accurate balance remains. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-02 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:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Failure to Provide Verification Documentation XXXX Account XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate late-payment reporting by XXXX for my closed account XXXX. I previously submitted a dispute directly to XXXX requesting verification of the late-payment history. 

XXXX acknowledged my dispute but refused to provide any verification documentation as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ). Instead, they restated that their reporting is accurate but provided no payment records, method of verification, or documentation supporting their claim. 

This refusal constitutes non-compliance with their duty to conduct a full reinvestigation under the FCRA. 

I am requesting that the CFPB ensure XXXX either supplies proper verification documentation or removes the inaccurate late-payment history from all credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Please find attached all related correspondence, including XXXX responses and my original dispute letters. 

A fair resolution would be for XXXX to either produce full verification or delete the unverifiable late-payment entries to accurately reflect my closed account status. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Failure to Provide Verification Documentation XXXX Account XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate late-payment reporting by XXXX for my closed account XXXX. I previously submitted a dispute directly to XXXX requesting verification of the late-payment history. 

XXXX acknowledged my dispute but refused to provide any verification documentation as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ). Instead, they restated that their reporting is accurate but provided no payment records, method of verification, or documentation supporting their claim. 

This refusal constitutes non-compliance with their duty to conduct a full reinvestigation under the FCRA. 

I am requesting that the CFPB ensure XXXX either supplies proper verification documentation or removes the inaccurate late-payment history from all credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Please find attached all related correspondence, including XXXX responses and my original dispute letters. 

A fair resolution would be for XXXX to either produce full verification or delete the unverifiable late-payment entries to accurately reflect my closed account status. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Spring oaks capital LLC has not validated a alleged debt I have with them

Company response to consumer: Closed with non-monetary relief