vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : 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 2025-07-21 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My XXXX  XXXX XXXX passed away XX/XX/year> leaving behind a reverse mortgage on his property. 

I started receiving phone calls from PHH Mortgage around XX/XX/XXXX of this year. They were asking what we were going to do with the property. I started we plan on keeping it because my XXXX XXXX ( XXXX XXXX is living in the property. 
Since XXXX it's been a back forth with me summiting requests from having my XXXX XXXX added to loan as the Non borrowing spouse, we since in a budget to switching the deed to reflect that there are now XXXX heirs to the estate and XXXX ( XXXX XXXX was administrator of the estate. All request to keep the property were denied by the investor. Foreclosure date was set for XX/XX/XXXX which no XXXX purchase the property and now it's has been turned over to the back. The bank is now planning a eviction of a XXXX XXXX XXXX XXXX  who is recovering from XXXX and my XXXX  who is her caregiver. I am planning on getting a loan to purchase the property back and I working with a lender. My lender wants to get a few things straight before I can get the loan. I am working with someone at the XXXX XXXX XXXX XXXX XXXX that is a HUD XXXX. They want me get a lawyer but the ones I have been speaking with want me to file XXXX. I'm to close to obtaining a loan. I feel that when I take to someone at PHH Mortgage I'm getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 
1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 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 2025-07-21 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: MA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus ( Experian, Equifax and TransUnion ) required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 
1681e ( b ). The CFPBs XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. XXXX 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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express as a victim of identity theft. A personal and a business credit card account were fraudulently opened and used under my name without my knowledge or authorization.

The fraudster used my full legal identity, including my name, SSN, current and previous addresses, and my government-issued ID. In XXXX, I lost my mobile phone, and I believe the fraudster gained access to my number, emails, and online credentials. This may have allowed them to receive two-factor authentication ( 2FA ) codes and control the Amex accounts.

I never applied for any Amex credit card. I never activated a card, used an account with American Express. However, I was informed that these accounts were allegedly paid using bank accounts opened in my name, which I also did not authorize. I believe those were also fraudulently created.

I updated Identity Theft Affidavit with proof of identity, as allowed under FCRA 605B, but Amex refused to remove the accounts, citing internal investigations and payment records.

These accounts were operated to appear legitimate a tactic often used by identity thieves. Their continued presence on my credit file is unlawful under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-07-20 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/year>. I logged a dispute with XXXX  through their online dispute portal. Requesting a thorough investigation into the validity and accuracy of an alleged collection account inaccurately reporting and damaging my credit. A debt buyer " Portfolio Recov ASSOC '' reporting an alleged debt by the original creditor XXXX XXXX XXXX XXXXXXXX. I am attaching the letters i sent to the alleged original creditor " XXXXXXXX XXXX XXXX XXXXXXXX, Portfolio Recovery Association and XXXX  '' I clearly requested the documentation that I am legally entitled to in order to verify this debt and received nothing. XXXX  clearly did not conduct a meaningful or legally sufficient investigation as required by both federal and New York law. Violations Committed by XXXX  : FCRA 611 ( a ) ( 1 ) ( A ) : Credit bureaus must conduct a reasonable reinvestigation of any information disputed by the consumer FCRA 611 ( a ) ( 6 ) : They must notify the consumer of the results within 5 business days of completing the reinvestigation. FCRA 607 ( b ) : Requires that bureaus maintain maximum possible accuracy of data on consumers. FCRA 616 & 617 : Willful or negligent violations entitle you to actual damages, statutory damages ( up to {$1000.00} ), and legal costs. XXXX XXXX blanket response that Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' Is a clear disregard of my FCRA rights. Furthermore, you did not provide any documentation from the reporting creditor substantiating the accounts accuracyincluding the original credit agreement, charge-off statement, or proof of assignment. You also failed to evaluate compliance with XXXX XXXX Format standards required for credit reporting accuracy. XXXX  neglected to : XXXX a proper reinvestigation, provide results of your findings, Determine or disclose that my dispute was frivolous or Update, correct, or delete the disputed data. XXXX  now in willful violation of federal and New York State law. Pursuant to FCRA 616 and 617, I am entitled to statutory damages of {$1000.00} plus costs. I hereby demand : Immediate removal or modification of the disputed tradeline, A written update of my credit file and a check payable to XXXX XXXX in the amount of {$1000.00} for statutory damages. You have 14 days from the date of this letter to comply. This is not another disputeit is a demand for legal remedy due to your failure to fulfill a previous dispute under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
I have been a victim of the XXXX  data breach, the mother of all data breaches and here recently the data breach involving 16 billion passwords. I have fallen victim which has caused serious financial consequences. Please remove the account from my credit report that was a result of identity theft from one or more of the above listed data breaches. 
XXXX XXXX Acct : XXXX XX/XX/year> {$34000.00}

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their negligent administration, contradictory communications, retaliatory conduct, and unlawful credit reporting. Their actions have caused severe damage to my credit profile, disrupted my financial plans, and forced me to incur legal expenses and time-consuming dispute management. 

Here is the chronology of events, fully documented : XXXX XXXX  : I disputed a duplicated account balance with XXXX ( XXXX ), which was already migrated to XXXX XXXX XXXX The duplication resulted in inflated balances and pushed my credit utilization to XXXX XXXX of the limit, harming my credit score. I submitted documentation proving the duplication. 

XX/XX/year> : I received a Welcome Letter from XXXX XXXX confirming the opening of my new XXXX credit card ( ending in XXXX ). There was no mention of any issue or restriction. 

XX/XX/year> : XXXX XXXX formally responded to my CFPB dispute stating that everything is accurate, and affirming that the account was open and in good standing. There was no reference to closure or any correction of the previously reported inconsistencies. 

XX/XX/year> : I received a written refusal from XXXX XXXX to correct the duplicate report, despite clear evidence of error. They cited compliance with the FCRA but failed to address the factual contradiction. 

XX/XX/year> : I discovered in my XXXX credit report that the XXXX account had been reported as closed. I never received any notice, explanation, or justification from XXXX XXXX regarding this closure. This was especially alarming considering that just weeks earlier, they affirmed in writing that the account was active. 

XX/XX/year> : In an effort to resolve the matter cleanly, I paid the remaining balance in full ( {$96.00} ) and requested a voluntary account closure, even though the damage to my credit had already occurred. The payment confirmation is attached. 

This sequence of events constitutes gross mismanagement, lack of transparency, and a likely retaliation after I exercised my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 ( b ). 

Their contradictory reporting, failure to notify me of changes, refusal to correct clear errors, and inconsistent information across bureaus ( e.g., XXXX XXXX XXXX ) violate my rights under FCRA and have caused measurable and unjustified harm. 

I was forced to seek professional legal consultation and spend considerable time resolving a problem that was never caused by my actions. I have no interest in maintaining any relationship with XXXX or XXXX XXXX, and I do not authorize them to report on my profile now or in the future.

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 2025-07-21 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: CA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of multiple unauthorized and unverified hard inquiries that are currently listed on my credit reports. These inquiries are not linked to any open or validly initiated accounts under my name and therefore have no permissible purpose under the Fair Credit Reporting Act ( FCRA ). 
The following inquiries, reported primarily by TransUnion, appear without my knowledge, authorization, or benefit, and are not associated with any account I currently maintain : Disputed Hard Inquiries TransUnion Reported : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 U.S.C. 1681b, credit inquiries must have a permissible purpose. The above inquiries do not meet this requirement and should therefore be deleted.

Further, under 15 U.S.C. 1681i ( a ) and Regulation F, the failure to properly investigate and remove inaccurate inquiries constitutes a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
In addition, courts have held in XXXX XXXX XXXX, XXXX, and XXXX XXXX Equifax, that continued reporting of unverified information exposes furnishers and bureaus to liability under 15 U.S.C. 1681n for willful noncompliance and punitive damages.

I am requesting that these inquiries be permanently removed from my credit reports with all three major bureausTransUnion, Equifax, and Experianimmediately. 
Sincerely, 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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: IN

Complaint narrative:
I made a purchase from XXXX using Klarnas Buy Now, Pay Later service. I returned the item, and XXXX confirmed that a full refund was issued. Klarna refunded the first XXXX installment payments, but they are still charging me the final payment of {$49.00}. 

I have contacted Klarna multiple times over the past XXXX XXXX  to resolve this issue : First, they said the payment would be paused and investigated. 
Then they claimed a credit would be applied to my account ( which never happened ). 
Later, they said I would only owe interest ( which I was okay with ). 
Most recently, they stated XXXX never issued a refund even though XXXX has confirmed multiple times that they did. 

On XX/XX/XXXX, I visited a XXXX store again. They confirmed that Klarna received the full refund and that the issue is entirely on Klarnas end. 

Despite this, Klarna continues to demand {$49.00}. I believe I am being fraudulently charged for a product that was returned and fully refunded, and Klarna refuses to correct the issue. 

I am seeking a full resolution and removal of this charge from my Klarna account. 

Total charge of items {$140.00} + {$6.00} of interest XXXX payment or credit bc I returned the item was on XX/XX/XXXX of {$29.00} second XX/XX/XXXX of {$20.00} third XX/XX/XXXX of {$50.00} adding to the amount of {$100.00} All of this info is from their app. 

XXXX more payment/credit was to be added to my account of {$43.00} but they are refusing bc they are saying that XXXX hasnt processed the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GU

Complaint narrative:
Hi my name is XXXX XXXX. Am not trying to be a Broken record, am wondering my credit has a freeze and fraud active and every time try to reach out. XXXX keep referring me to their online, but I have no access am totally blocked. What really Wrong with XXXX reporting consumer agencies my First complaint Experian has not responded with an email or a Letter. All Attachment give to CFPB been provided to Experian.

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