vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
b'Experian failed to provide me with the Method of Verification (MOV) documents within the time frame allowed by law 15 days. See 15 U.S.C Section 1681i. I consumer XXXX XXXX, requested on XXXX, which was mailed and received by Experian on XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX  (Attachment).\nExperian failed to provide me with this is a clear violation of law. Today date is XXXX and counting has passed the 15 days allowed by law. Experian failure to properly and reasonably investigation the XXXX XXXX XXXX XXXX XXXX account #XXXX has caused me harm and damage.I applied for a auto loan and credit cards but was denied because of the inaccurate information on my consumer report (See Attachment). "Cause Of Action".\nExperian actions that violated my rights constitutes Willful Noncompliance Pursuant 15 U.S.C 1681n $XXXX for every violation. 15 U.S.C Section 1681o Civil Liability for Negligent Noncompliance.'

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 2025-07-29 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-07-29 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: CA

Complaint narrative:
In XX/XX/year>, multiple Klarna purchases were made on my account totaling approximately {$2100.00} across XXXX, XXXX, and XXXX. The original card used for the purchases belonged to my partner, who initially intended to pay the full balance. When he changed his mind and could no longer pay in full, I contacted Klarna asking them to reinstate the monthly payment plan so I could take over the payments. 

Klarna said they were unable to reinstate the plan. Since no repayment option was offered, my partner ended up disputing the charges with his bank. However, by the time he clarified that the purchases were not fraudulent, the bank could not reverse the process. Importantly, while Klarna was still investigating the situation, they temporarily re-added the charges to my Klarna account and I immediately paid off the {$84.00} XXXX order in full ( invoice total with interest was {$87.00} ) and began making payments on the remaining invoices. 

Later, Klarna refunded me and permanently closed the invoices, stating that the case was deemed fraudulent and was irreversible in their system even though I never filed a fraud report and had been actively trying to pay the charges. 

Since then, Ive contacted Klarna support and emailed XXXX, explaining that I want to repay the full balance. Im not asking for account reinstatement or access to credit I simply want to pay for the items I received. Ive stated this multiple times and was told there is no way to override the internal fraud status. 

Relevant order totals : XXXX : {$87.00} ( paid off {$84.00} item + interest ) XXXX : {$1000.00} XXXX : {$99.00} XXXX : {$850.00} XXXX  : {$79.00} I do not wish to walk away from a debt I am fully willing to pay. Klarnas refusal to accept repayment is blocking me from resolving this account in good faith. If they report this as delinquent or fraudulent to the credit bureaus, it would be highly misleading and damaging especially considering Ive already paid part of the balance and repeatedly asked to pay the rest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the following account listed on my credit report : Creditor Name : XXXX Account Number ( partial ) : XXXX Type of Error : Reporting as purchased by another lender Bankruptcy Case Filed : XX/XX/XXXX Bankruptcy Discharge Date : XX/XX/XXXX This account was included and discharged in my XXXX  XXXX bankruptcy. It is inaccurately reporting as purchased by another lender, which misrepresents the legal status of the debt. After discharge, the account should reflect a {$0.00} balance, a status of included in bankruptcy, and no further activity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and up to date. Reporting this account as anything other than discharged in bankruptcy is misleading and legally incorrect. 

Requested Action : I demand that you immediately investigate this matter and correct or remove the inaccurate reporting of this account from my credit file. Please update it to accurately reflect the discharge status, or remove it entirely if accurate reporting can not be verified. 

Please complete your investigation and respond to me within the required 30-day period as outlined in the FCRA.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MD

Complaint narrative:
Checkr is allowing XXXX to continue denying me work based on a background check that misrepresents the legal outcome of my case. 

I was charged with XXXX - XXXX XXXX in Maryland ( Statute CR.3.203 ), but the case was resolved with a XXXX  disposition on XX/XX/year>. This is NOT a conviction. A XXXX is a discretionary decision by the State not to prosecute, meaning there was no trial and no guilty verdict. 

Despite this, Checkr has treated this non-conviction as a disqualifying offense. I have submitted official documentation of the disposition and filed multiple disputes, but the inaccurate and misleading reporting continues to block me from working. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which protects consumers from having inaccurate or misleading information reported about them especially when that information affects employment. 

I am requesting that this be corrected immediately and Checkr stop using a non-conviction disposition ( XXXX  ) to deny me employment. This has been going on for over 5 years and continues to impact my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Wells Fargo Claims and Recovery and Credit Card Services Re : Dispute of Unauthorized Transactions on Account # XXXX XXXX XXXX - WELLS FARGO CARD Dear Wells Fargo Credit Card Services, I am writing to formally dispute all the transactions on this Wells Fargo credit card account # XXXX. After a thorough review of the account activity, I have identified that none of these transactions were authorized by me. I believe this account has been subject to fraudulent activity.

In accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am exercising my right to dispute these unauthorized charges and request that you open an investigation into this matter immediately. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 16811 ), I request that all information related to these fraudulent transactions be removed from my credit report as they are inaccurate and do not reflect my credit history. 

Please : XXXX. Investigate all disputed transactions on account # XXXX. 
XXXX. Remove all fraudulent transactions and related negative information from my credit report. 
XXXX. Close or freeze this credit card account to prevent further unauthorized use. 
XXXX. Provide written confirmation of your receipt of this dispute and the actions taken. 

I request that you acknowledge this dispute in writing within 30 days, as required by federal law. 
Please communicate with me at the above address. 
Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Wells Fargo Claims and Recovery and Credit Card Services Re : Dispute of Unauthorized Transactions on Account # XXXX WFBNA CARD - WELLS FARGO CARD Dear Wells Fargo Credit Card Services, I am writing to formally dispute all the transactions on this Wells Fargo credit card account # XXXX. After a thorough review of the account activity, I have identified that none of these transactions were authorized by me. I believe this account has been subject to fraudulent activity.

In accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am exercising my right to dispute these unauthorized charges and request that you open an investigation into this matter immediately. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 16811 ), I request that all information related to these fraudulent transactions be removed from my credit report as they are inaccurate and do not reflect my credit history. 

Please : XXXX. Investigate all disputed transactions on account # XXXX. 
XXXX. Remove all fraudulent transactions and related negative information from my credit report. 
XXXX. Close or freeze this credit card account to prevent further unauthorized use. 
XXXX. Provide written confirmation of your receipt of this dispute and the actions taken. 

I request that you acknowledge this dispute in writing within 30 days, as required by federal law. 
Please communicate with me at the above address. 
Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking account with Chase earlier this year and upgraded to Chase Sapphire on XX/XX/year> by depositing a {$75000.00} of CD as the bank advertized that XXXX XXXX customers get refunds for ATM surcharge fees charged by non-Chase ATMs globally. 

However, I used a non-Chase ATM in XXXX XXXX on XX/XX/year> by withdrawing XXXX XXXX. I believe the ATM screen showed XXXX XXXX  of ATM transaction fee. My bank statement showed {$350.00} of deduction and did not show the refund for the ATM transaction fee. 

I had requested the bank to investigate and spoke with a couple of customer representatives. No one was able to resolve the issue and I received a message from the bank on XX/XX/year> that this is a situation that must be resolved directly with the merchant, and please reach out to them for further assistance. 

I believe this is a fraud advertisement/practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
Company Name : XXXX XXXX Account Number ( last 4 ) : XXXX Credit Bureau : Experian I previously disputed this account with Experian, and instead of correcting or deleting the XXXX XXXX entry, they updated the balance date to XX/XX/year>, without any payment activity which appears to be an illegal re-aging of the account under FCRA 1681c. 

The account is listed as Charged Off. {$270.00} Written Off yet the same {$270.00} is still being reported as past due as of XX/XX/year>. Thats not just misleading ; its inaccurate and deceptive double-reporting. An amount can not be both written off and past due simultaneously. 

The balance should be either {$0.00} if it was truly written off, or charged off with a frozen balance. But showing it as charged off AND past due misrepresents my obligation and violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

This has damaged my credit profile, and the updated reporting appears retaliatory following my earlier dispute. I demand the complete deletion of this account from Experians file, and a full investigation of XXXX XXXX reporting practices. 

If not resolved, I intend to pursue legal action for willful FCRA violations, including statutory and punitive damages. This is a repeat violation and must be addressed immediately.

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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, the home associated with my mortgage loan was demolished due to severe mold and structural issues. My husband and I submitted a demolition certificate via fax to the loan servicer, Select Portfolio Servicing ( SPS ), and we have confirmation they received it. A representative even acknowledged it verbally during a phone call. 

Since that time, SPS has repeatedly force-placed homeowners insurance on the loan for a structure that no longer exists. This has caused the loan balance to inflate due to improper escrow charges and resulted in ongoing foreclosure threats, despite the fact that the original home was demolished over four years ago.

A county inspection report did note that a new manufactured home was on the property at the time of inspection however, that structure was placed there by our adult son, who owns it independently and carries his own separate homeowners insurance. We do not own that home, it is not part of our mortgage, and SPS has no legal right to insure it through our loan. 

On XX/XX/XXXX, I sent formal dispute letters via certified mail with return receipt to both SPS and to the note holder, XXXX XXXX Bank, XXXX, as trustee for XXXX XXXX XXXX XXXX XXXX, demanding removal of these charges and immediate correction of the account. 

I am requesting that the Consumer Financial Protection Bureau require SPS to : Remove all force-placed insurance charges Refund any improperly billed premiums Stop all foreclosure activity based on inflated escrow Provide a corrected loan balance and accounting I am including my demolition certificate and fax transmission documentation, along with written dispute letters. This situation has dragged on for years and must be resolved immediately. 
Note : Your link below, will not let me upload my documents listed above. I have sent copies to both SPS and XXXX XXXX with their certified letters. I will send you these documents, when I get an email back from the agent who will be handling this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The person on the phone identified himself as XXXX. He said he was collecting a debt for XXXX XXXX XXXX. I told him I was recording the call for legal reasons. He said the number he called from is XXXX  based but he was representing XXXX from XXXX. I told him I did not do business with this company and the account was fraudulent based on my Police Report FTC Report my CFPB Report and my Postal Inspectors Report. I also told him this information has been shared with Equifax and TransUnion which XXXX has been able to write a fraudulent statement regarding this account without being held accountable for committing fraud by TransUnion and Equifax. XXXX told me he represents XXXX and will continue to call until I pay on the closed account. I asked if he had a license to do business in the US and in XXXX  and he said he didnt need one. He then said XXXX will write more bad things about you on your credit report until you pay. I told him that was illegal and manipulative. I then told him I would file another complaint. He said it wont make a difference until you pay. I asked him to never contact me again. He said he would call again in five minutes. He called again and I hung up.

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 2025-07-29 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: GA

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 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 2025-07-29 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: TX

Complaint narrative:
Apparently sometime ago my credit & banking profiles and ID had been hacked unbeknownst to me. Several account had been established without my consent. 
I have filed several reports of ID theft and tried to resolve with collection agency to only be mistreated and told I am obligated for a debt I did not authorize. 
XXXX XXXX XXXX & XXXX XXXX have used every unethical means to harass me and I have never had any dealings with them or their clients.

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 2025-07-29 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:
Apparently sometime ago my credit & banking profiles and ID had been hacked unbeknownst to me. Several account had been established without my consent. 
I have filed several reports of ID theft and tried to resolve with collection agency to only be mistreated and told I am obligated for a debt I did not authorize. 
XXXX XXXX XXXX & XXXX XXXX have used every unethical means to harass me and I have never had any dealings with them or their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

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 non-monetary relief