vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NY

Complaint narrative:
After completing Klarnas hardship program in XX/XX/year>, I began experiencing a repeated ID verification loop that prevents me from viewing or using a virtual card. The app keeps asking me to upload my ID and selfie over and over without ever completing the process. 

From late XXXX through early XXXX, I contacted Klarnas customer service roughly XXXX times by phone and in-app chat. Each representative gave a different explanation XXXX said I wasnt approved, another blamed my phone or app version, others said it was due to a name issue. I am a cybersecurity forensic analyst and followed every technical step they suggested, including reinstalling the app and using different devices. The problem was never on my end. 

Multiple agents claimed they would escalate the matter to technical support. I had at least XXXX separate cases marked as escalated, but both were closed as resolved without anyone contacting me or actually fixing the issue. No email updates were sent, and when I followed up, the next agent would start the same cycle again. 

At this point, Klarna has failed to investigate or correct a clear system error and repeatedly closed support cases without action or communication. This has left my account unusable despite ongoing approval messages and has caused unnecessary stress and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PREFERRED CREDIT INC
State: MS

Complaint narrative:
In early 2024, exact date unknown due to inability to receive documentation from Preferred Credit , Inc. or XXXX XXXX, I entered into a contract with both for a XXXX brand vacuum cleaner. The agreement was, if I could help sell XXXX vacuum cleaners for XXXX XXXX, I would receive mine free of charge. XXXX ( XXXX ) demos were required and I had helped sell XXXX after XXXX demos. XXXX XXXX failed to honor the terms, and referred me to Preferred Credit to " fix '' the problem. No one at Preferred Credit could help, stating it was an XXXX XXXX problem. I was passed back and forth from XXXX to the other, no one willing to get it straightened out. Timely payments were made each month and a total of over {$1800.00} was paid during the next 14 months. At this point, both XXXX XXXX and XXXX XXXX had worn me down. I contacted XXXX XXXX and advised them to come get the vacuum ; I was no longer happy with their services. I contacted Preferred Credit , Inc. by phone with a follow up letter stating I was returning the vacuum unit to XXXX and would no longer pay what Preferred had ballooned to {$6200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint regarding the unethical and potentially illegal practices of Citi Bank, particularly as they relate to its partnership with XXXX. 
On [ insert date ], I called Citi Bank to obtain a payoff amount for my XXXX Citi credit card. I was quoted and promptly paid over {$11000.00} to settle the balance in full. I then instructed the representative to close the account, which they confirmed. 
Despite this, I later received an additional bill for {$190.00} in interest that allegedly accrued after the account was paid in full and closed. This is unacceptable and misleading. It constitutes deceptive financial practice, particularly harmful to consumers already under financial strain. I am personally facing medical expenses exceeding {$21000.00} per month, and the stress of such unethical treatment is profound. 
I strongly urge XXXX to reevaluate its partnership with Citi Bank, whose business practices reflect neither ethical nor moral integrity. As a long-standing XXXX member XXXX I expect transparency, honesty, and accountability from all corporate partners. These are just XXXX example of shady business dealings that need to be investigated. 
I request that the $ XXXX charge be immediately reversed, that confirmation of my accounts full closure be provided in writing, and that a full review of this incident be conducted.

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 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following charged-off account and inquiry on my TransUnion credit report. Kindly review the details outlined below : Charged-Off Account Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  Balance : {$2400.00} I am disputing the charge-off status of this account as I believe it is reported incorrectly. I request that you verify the details of this account and review the charge-off designation to ensure it complies with applicable reporting guidelines. 

Inquiry Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX 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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I received a request to open a new credit card in my name with XXXX XXXX. The card is XXXX cash rewards card. I called the fraud department at synchrony to have this card denied. 

I also called T.U XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX this is the company identified in the letter as consumer reporting agency ; Upon calling this agency, I did not talk to a human as the recorder kept asking for my social security number. Please contact this company and apprise them this is a fraudulent request and someone is obviously using my identity,

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 2025-11-04 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: AL

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

Company 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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IN

Complaint narrative:
I applied for a loan and was approved. The site guided me through the process from start to finish and was sent the loan money, once I was approved. What they did not disclose, is that they are going to charge 764.79 % interest. Meaning, the original loan of {$1200.00} will need to be repayed in the amount of {$6900.00}. If I would have known that they were going to charge so much, then I would have NEVER agreed to the loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
These accounts do not pertain to me ; please delete them in 15 days following USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple disputes to the three national credit reporting agencies Experian, Equifax, and TransUnion regarding inaccurate and unverifiable information appearing on my credit reports. Each dispute included detailed account listings and supporting documentation. I received a response from TransUnion indicating that several accounts were verified, yet no documentation or explanation of the verification process was provided. I subsequently sent Method of Verification requests under FCRA 611 ( a ) ( 7 ) to all three bureaus, followed by Failure to Respond/ Demand for Deletion letters when they did not provide proof of verification within the required 15-day period. To date, the bureaus have failed to produce evidence or remove the disputed accounts, which continue to appear on my reports. These actions have resulted in ongoing harm to my credit, including difficulty securing fair loan terms and housing opportunities, despite my good-faith efforts to resolve the matter.

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 2025-11-04 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: TX

Complaint narrative:
Between XXXX and XX/XX/year>, I submitted multiple disputes to the three national credit reporting agencies Experian, Equifax, and TransUnion regarding inaccurate and unverifiable information appearing on my credit reports. Each dispute included detailed account listings and supporting documentation. I received a response from TransUnion indicating that several accounts were verified, yet no documentation or explanation of the verification process was provided. I subsequently sent Method of Verification requests under FCRA 611 ( a ) ( 7 ) to all three bureaus, followed by Failure to Respond/ Demand for Deletion letters when they did not provide proof of verification within the required 15-day period. To date, the bureaus have failed to produce evidence or remove the disputed accounts, which continue to appear on my reports. These actions have resulted in ongoing harm to my credit, including difficulty securing fair loan terms and housing opportunities, despite my good-faith efforts to resolve the matter.

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 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX regarding their unfair and deceptive debt collection practices. 

I previously resided at the above-mentioned apartment complex. My grandmother became the owner and started receiving government assistance. After we moved, the apartment complex has been attempting to collect a previous debt from me, claiming that I am still the owner, despite the fact that them transitioning ownership and receiving XXXX XXXX with my grandmother as the owner. 

I have informed XXXX XXXX XXXX XXXX XXXX, that I am not responsible for the debt, my grandmother became the owner and was receiving XXXX XXXX I even contacted XXXX XXXX  who confirmed that assistance was being provided with my grandmother as the apartment owner. It sounds to me that they have lost important documentation. 

Despite this, XXXX XXXX XXXX XXXX XXXX continues to contact me and demand payment. I believe this constitutes unfair and deceptive debt collection practices, as they are attempting to collect a debt from me in error. 

I am seeking assistance from the CFPB to investigate these practices and ensure that XXXX XXXX XXXX XXXX XXXX ceases their attempts to collect this debt from me. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$0.00} This account is listed as charged off with a {$0.00} balance, which is inconsistent. If the debt was settled or charged off to {$0.00}, the status should not indicate it is still negatively impacting my report. Please verify or correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} This account is being reported inaccurately. The balance shows {$0.00}, but it still reflects a negative status. I request verification or correction to reflect accurate status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} This account is reported as charged off even though the balance is {$0.00}. Please verify or correct to accurately reflect the accounts final status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$700.00} I do not recognize this debt, and I have not received any verification or validation from the furnisher. Please investigate and remove if it can not be fully verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} This appears to be the same account reported under XXXX I am disputing its accuracy and requesting validation or deletion. 

Bankruptcy Case/File # XXXX, Reported XX/XX/XXXX, Balance {$0.00} I am requesting verification that this bankruptcy was filed under my name and is being reported accurately. If not properly verified or outdated, it should be removed in accordance with FCRA timelines. 

Disputed Inquiries None listed.

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 2025-11-04 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I am disputing the following accounts reported under Equifax, which may be inaccurately reflecting my credit history and impacting my overall credit score. 

Disputes : Charged-Off Accounts : ( No charged-off accounts listed under this bureau for disputes. ) Inquiries : XXXX, XX/XX/24. Verification of this inquiry is necessary, as it appears to have been reported incorrectly. 

XXXX, XX/XX/24. I am disputing the inquiry reported as it was not authorized. 

Late Payments XXXX XXXX XXXX, XXXX. The late payment entry under this account appears inaccurate and requires correction. 

XXXX, XXXX. There is a discrepancy in the late payment information for this account that needs to be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: KS

Complaint narrative:
I am attempting to report that a loan holder by the name of XXXX XXXX ( last four of social is XXXX ) has a loan through CarMax and is in breach of his contract. The vehicle is required to have full coverage insurance and it has XXXX insurance. That is a direct violation of the contract through CarMax. I contacted CarMax auto finance and they said they cant do anything and the state has to report it. His CarMax account number is XXXX it is for a XXXX XXXX XXXX XXXX. VIN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial 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 2025-11-04 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: HI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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