vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I enrolled in a one-year Postgraduate in Data Science program with XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Toward the end of the program, I received a phone call from a XXXX XXXX representative named XXXX, who offered me an upgrade to a XXXX XXXX from XXXX de XXXX, stating it was free to explore and that there would be no financial obligation unless I chose to proceed. 

XXXX sent me a link to a site called Kodakco.com, assuring me it was just to check the upgrade offer or try it temporarily. Trusting XXXX XXXX as an educational provider, I clicked the link and followed instructions but I was misled into believing this was a no-obligation trial, not a financial agreement. I now realize I XXXX have unintentionally agreed to a {$1000.00} Klarna financing under false pretenses. 

Soon after, I was notified by Klarna of a {$1000.00} debt in my name linked to XXXX. There was no transparent checkout process or consent to financing terms. I took immediate action contacting Klarna, XXXX XXXX, and XXXX to reverse or cancel the transaction. XXXX never replied, and XXXX XXXX distanced themselves from the situation. Over the next 67 months, I submitted multiple disputes and escalations with Klarna, but each one was denied. 

During the dispute, XXXX submitted manipulated screenshots they had edited my XXXX XXXX student dashboard to include XXXX logo, falsely portraying that I accessed or used their services. These forgeries were used to convince Klarna I had received value, when in fact I never used any XXXX platform or received anything from them. 

I later learned that the XXXX was not from XXXX de XXXX as originally promised, but instead would be issued by XXXX XXXX XXXX a fake, unaccredited institution with no online academic footprint and no legal standing. The only thing I ever received was a worthless diploma via email. 

Upon further investigation, I found another suspicious institution Florida XXXX XXXX XXXX and XXXX ( flism.org ) that shares the same Presidents photo as XXXX and lists XXXX and XXXX XXXX as official partners, just like Dunsters site. While not identical in design, the sites use similar branding tactics and partner claims, strongly suggesting a coordinated fraud network of fake educational institutions used to trick students into fake upgrades and extract financing. 

This is not a typical billing error. This is a well-structured scam involving fraudulent academic claims, falsified documentation, misleading sales tactics, and misuse of XXXX financial XXXX. I was misled, financially harmed, and emotionally distressed by a scheme that could affect many other consumers seeking legitimate online education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Early XXXX of this year I was making a deposit at the atm, we had just had a bad storm the night before and it was very windy. I put my money in the machine it took it and then open back up my money went flying in the air I there was a young man next to me that pulled off and grab as much as he could while I was trying to get my card back out the machine long story short I could not retrieve it all i was XXXX short. I expressed that to the bank with a lady she told me the money would be in my account in 7 to 10 business days it wasn't then I went back up there they said she didn't even file a claim so they did then I was denied. The people in the bank said they have it on camera and they remember that day. I feel the bank should be able to help me I am a hairstylist and I always make large deposit at that location.

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 2025-04-15 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, I attempted to send {$4500.00} to my roommate using Chime. The funds were immediately withdrawn from my account, but my roommate never received the money. I contacted Chime right away to report the issue and have since spoken to multiple representatives, all of whom have provided conflicting and inconsistent information. 

One representative told me that if I submitted proof that the transaction was not fraudulent, I would be refunded the {$4500.00} by XX/XX/year>. However, just minutes later, after I asked to speak to a supervisor, I was transferred to another representative who stated that the investigation had already been closed and decided against me. I was never notified that an investigation had been concluded, nor was I provided any explanation or documentation regarding this decision. 

Despite my repeated attempts to obtain clarity and resolution, I have yet to receive my funds or any formal communication outlining why my claim was denied. I believe Chime has failed in its responsibility to handle my complaint in a fair, transparent, and timely manner. 

I am requesting that the CFPB investigate this matter and assist in recovering the {$4500.00} that was improperly handled and has not been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
XXXX is continuing to report a Chapter XXXX bankruptcy ( Case # XXXX ) on my consumer file using inaccurate and unverifiable data, in violation of the Fair Credit Reporting Act ( FCRA ). 

They claim to verify the record using a public PACER court file and an address that has been disputed and removed : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX, FL XXXX This address has already been : Deleted by XXXX ( Dispute Confirmation # XXXX ) Disputed in multiple complaints to XXXX and the CFPB Confirmed as removed in previous XXXX correspondence ( XX/XX/year>, Case # XXXX ) Despite this, XXXX continues to report the bankruptcy and claims PACER is a sufficient source of verification. PACER is not a certified or verifiable source under the FCRA. XXXX failed to provide : A certified docket or court document linking the bankruptcy to me Any direct proof such as a signed filing or creditor matrix A proper method of verification, violating FCRA 1681i ( a ) ( 6 ) They also failed to conduct an independent reinvestigation as required by FCRA 1681s-2 ( b ), choosing instead to forward the dispute to the credit bureaus which does not fulfill their obligations as the furnisher.

This also violates FCRA 1681e ( b ), which requires XXXX to maintain maximum possible accuracy. They continue to rely on removed and disputed identifiers, leading to the continued misattribution of a bankruptcy that is not mine.

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 2025-04-15 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: FL

Complaint narrative:
XXXX is continuing to report a Chapter XXXX bankruptcy ( Case # XXXX ) on my consumer file using inaccurate and unverifiable data, in violation of the Fair Credit Reporting Act ( FCRA ). 

They claim to verify the record using a public PACER court file and an address that has been disputed and removed : XXXX XXXX XXXX XXXX Apt XXXX, XXXX XXXX, FL XXXX This address has already been : Deleted by XXXX ( Dispute Confirmation # XXXX ) Disputed in multiple complaints to XXXX and the CFPB Confirmed as removed in previous XXXX correspondence ( XX/XX/year>, Case # XXXX ) Despite this, XXXX continues to report the bankruptcy and claims PACER is a sufficient source of verification. PACER is not a certified or verifiable source under the FCRA. XXXX failed to provide : A certified docket or court document linking the bankruptcy to me Any direct proof such as a signed filing or creditor matrix A proper method of verification, violating FCRA 1681i ( a ) ( 6 ) They also failed to conduct an independent reinvestigation as required by FCRA 1681s-2 ( b ), choosing instead to forward the dispute to the credit bureaus which does not fulfill their obligations as the furnisher.

This also violates FCRA 1681e ( b ), which requires XXXX to maintain maximum possible accuracy. They continue to rely on removed and disputed identifiers, leading to the continued misattribution of a bankruptcy that is not mine.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 non-monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies. According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions. Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option. Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation of this regulation. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681. I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies. According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions. Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information. Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option. Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation of this regulation. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681. I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.

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 2025-04-15 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: CO

Complaint narrative:
This is the second complaint. I am now re-filing everything properly AGAIN for a second time to document for damages. Everything was filed properly the first time, and Equifax decided that my Identification was insufficient. I am a XXXX, Property Casualty , Life & Health insurance agency owner . Not only is my identification sufficient, but I am registered with the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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