vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: NC

Complaint narrative:
I have XXXX total charges from Klarna. XXXX from XX/XX/year> in amounts of {$84.00}, {$86.00}, and {$100.00}. I have XXXX charges totaling {$84.00} and XXXX from XXXX I reached out to the XXXX  support chat immediately ( within an XXXX of these charges ) and told them I didnt buy anything when my card was charged and have never used Klarna before for a purchase . I wanted to dispute the charges and block the account and klarna from charging them. They were unable to help and said the card will continue to get charged even though I locked it, set a new card number, and have asked them to block the vendor. I closed the card possibly having an impact on my credit score in the end because I did not trust they could protect my card number and identity from fraud as my card kept continuing to get charged for something I did not buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: WA

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 non-monetary relief
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint because Discover Bank automatically renewed my XXXX Certificate of Deposit ( CD ) without my knowledge or explicit consent. I did not receive any notification that the CD was about to mature, nor was I given any opportunity to review, accept, or reject the renewal terms before the account was rolled over. 

As a result, the CD was renewed without my involvement, and I am now being charged an early withdrawal penalty equal to 18 months of interest, totaling thousands of dollars. I urgently need access to these funds for family medical expenses and college tuition. 

In my discussions with Discover on XX/XX/XXXX and XXXX, the manager acknowledged multiple flaws in the banks current process : The CD renewal process is a one-way system that does not require customer confirmation or consent a design flaw that prevents customers from making informed decisions. 
The original account opening agreement does not allow customers to specify instructions for what happens at maturity, such as transferring funds or closing the CD. This omission leaves customers without any control over their funds once the CD matures. 

In addition, when I called Discover CD support on XX/XX/year>, the representative promised that a manager would call me back to explain the situation. I never received that call. This failure to follow up reflects a broader issue of inadequate communication and poor customer service.

Despite admitting the process flaws, Discover declined to reverse the renewal or waive the penalty. I believe this situation constitutes : A potential violation of the Truth in Savings Act ( Regulation DD ), which requires timely and clear maturity notices for CDs longer than one year. 
A potential Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) due to the lack of transparency, consent, and follow-through.

I am requesting the CFPBs assistance in urging Discover Bank to : Reverse the CD renewal Waive the early withdrawal penalty Allow full access to my funds without loss I also ask that the CFPB examine how Discover intends to compensate customers harmed by these acknowledged process and communication failures. This is not only a matter of consumer fairness, but of regulatory compliance and basic accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-02 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: Experian Information Solutions Inc.
State: NJ

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 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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-05-02 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: MD

Complaint narrative:
I am filing a dispute regarding a late payment inaccurately reported by XXXX XXXX  ( Account XXXX ) on my Experian credit report. This account should be reported as Paid as Agreed. Reporting this information without my written consent violates my rights under 15 USC 1681a4, 1681b2, and 1681c2 of the Fair Credit Reporting Act, which protect consumer privacy and require accurate reporting. This incorrect entry is preventing me from securing essential housing and financial support for my business. As allowed under 15 USC 1681n and 1681o, I may seek damages of up to XXXX XXXX  per violation due to willful or negligent noncompliance. I request that this matter be promptly investigated and corrected in accordance with federal 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I had my XXXX account restricted then closed while I still had {$4200.00} in my account available for transfer. All I want is XXXX  get my money back into my bank account but XXXX is still holding onto it XXXX have not given me a reason as to why they won't release my money. I have been going back XXXX  forth with their extremely unhelpful email support XXXX just get my money back. They have told me they can not assist me because I am no longer a XXXX customer. They won't tell me what I need XXXX do XXXX access my money. They haven't answered as XXXX  what happened XXXX my money nor have they given anything back yet. My account is still closed XXXX I have no way of effectively communicating with them XXXX solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a complaint against Bank of America regarding the closure of my bank account in XXXX, which contained approximately {$7500.00} in funds. I have not been provided with a clear explanation for the closure of my account, nor have I received the necessary steps to resolve the issue and retrieve my funds. In XXXX, I received an email from Bank of America announcing that my account had been closed. The email mentioned that the account was suspicious of fraud activity, but no evidence or documentation was provided to support this claim. Since the account closure, I have repeatedly attempted to contact Bank of America to resolve the issue, including : XX/XX/XXXX : A representative requested my XXXX address to reissue a check and instructed me to call back on XX/XX/XXXX. XX/XX/XXXX : I called again and was told that I needed to wait until XX/XX/XXXX, as the case was still processing. After XX/XX/XXXX, I called daily, but no representative or risk team member was able to assist me or verify my identity. The issue remains unresolved. Not until XX/XX/XXXX, I filed a complaint on CFPB, which ID is XXXX, I received an email from their XXXX  XXXX and then another one from their Fraud and Claims XXXX  XXXX XXXX XX/XX/XXXX, indicating a tracking number that a check of {$910.00} is being sent, despite that I requested 2 as I mentioned at the beginning. So I missed another one, which is approximately {$6600.00}. Another trouble came up. I brought the check I already received while waiting for another one to the bank in XXXX called XXXX. They said the name on the check has to be the same with the XXXX on my Vietnamese ID, which is XXXX XXXX XXXX ( it is XXXX XXXX on the check, so my middle name is missing ), and the address has to be the same too ( I didn't know about this, the address I provided them is the apartment I am renting on behalf of my cousin, meanwhile the address on my ID is my permanent address ). So after several tries to call them, I finally reached them today, XX/XX/XXXX. They said that they are unable to change any of my information as I already filed a complaint on CFPB. And now they have to research everything and they said they will send a resolution to me in WRITING. This is ridiculous and I can't understand If possible I would like to change my information on my checks, and I would like both 2 checks to be reissued at this time. As XXXX will take 6-8 weeks to process my checks, I would like this to be solved as soon as possible. 

My new information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my full name and my permanent address. I assure this information is correct and final. I will not request any change 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 monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence

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 2025-05-02 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NM

Complaint narrative:
So idk know how to get a hold of you guys. My first compliant with checkr was never addressed. They sent something totally unhelpful. Which is what they do. I replied to their response that it wasn't resolved that I still needed help and you can look and see that their response is totally what I said in my compliant. That is what they do this. No one ever reached out to me to get it resolved. I'm not sure how the cfpb is satisfied with their response especially considering mine to it. No one investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-02 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: WA

Complaint narrative:
I had my Personal info and personal documents stolen a while back and people used my name to get accounts and buy stuff under my name. This wasn't me, these are not my accounts. Please get this off my credit asap as its causing a major hardship in my life. I need this to be a top priority thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed I Had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

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 2025-05-02 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: NY

Complaint narrative:
Bank errors related XXXX billing XXXX reporting are negatively impacting my credit. Under TILA ( XXXX XXXX Code XXXX ( b ) ), creditors are required XXXX accurately reflect payments XXXX credits, but several issues have arisen : payments I made were not properly recorded, XXXX there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law XXXX unfairly harm my credit standing.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. XXXX ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( 15 U.S.C. XXXX ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA XXXX and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Someone stole a persons check book. They then stole my identity and forged checks in my name. They went into 4 different regions bank locations and cashed the checks. When the money bounced off of the people they stole the check book from, Regions automatically took the funds from our account. Regions didn't ID these people or check the signature on the back of the check. They stole almost XXXX dollars from account

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 2025-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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