vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
Back on XX/XX/XXXX I places and order on XXXX for Klarna XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ORDERS NUMBERS XXXX Problem reported XX/XX/XXXX. You reported that your full order is missing. Your payment is paused while we look into your issue Waiting for XXXX from Klarna to confirm Reach out to XXXX from Klarna to speed up the process Klarna updates your payment Purchase total adjusted Original purchase amount {$1700.00} Adjustment - {$20.00} Your total {$1700.00} THEY RESPOND BACK THAT THE ORDER WAS DELIVER AND THEY DECLINED MY DISPUTE NEVER GOT MY PHONE I CALL SO MANY TIME APPLE FOR KLARNA AND APPLR STORE AND THEY SAID THAT THEY WILL LOOK IN TO MY PROBLEM XX/XX/XXXX THEY SEND ME AND EMAIL Any payments you have made towards this order will be refunded to your original form of payment and processed within 14 days, depending on your bank. 

Any future payments will be canceled. 

If you are unsure why your order has been canceled or have any questions, please contact our customer service team. 

Below are the canceled order details : Order Number : XXXX Ordered on : XX/XX/XXXX THEY ONLY REFUNDE {$19.00} PROBLEM WAS THAT THEY DELIVER TO WRONG ADDRESS THEY SEND ME A TRACKING NUMEBER XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX XXXX I WHEN TO THAT LOCATION AND CLAIM MY PACKES AND THEY ONLY SAID THAT THEY NEVER GOT ANY LATER ON XXXX I WHEN AND ASK FOR MY PACKAGES TO THE ADDRESS THEY SEND IT TO. THEY SAID THAT THEY NEVER SIGN ANY DELIVER UNDER THAT TRAKING NUMBER # XXXX I CALL AND EMAIL SO MANY TIME PLEASE HELP ME TO GET MY XXXX XXXX XXXX XXXX XXXX MY XXXX XXXX XXXX HAVE IT ANDS I PAY FOR IT XXXX XXXX  TO XXXX XXXX XXXX HE SAID TAHT FI WILL GET A REFUND BUT THEY ONLY SEND ME {$19.00} WISH IS NO WHAT I NEED MY REFUND SHOUL BE {$1800.00} FOR MY PHONE I DON'T HAVE ANY PHONE NUMBER TO CALL XXXX FOR KLARNA IS ONLY TO EMAIL XXXX XXXX XXXX.klarna.com please advices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Data Breach Notification and Request for Resolution Dear US DEPT OF ED I am writing to inform you of a serious concern regarding a recent data breach involving my personal information. It has come to my attention that my sensitive data has been compromised as a result of inadequate security measures on your part.

I am extremely disappointed and concerned about this breach of trust, which has left my personal information vulnerable to misuse. As a consumer, I entrusted your company with my confidential data, and this breach has significantly affected my peace of mind and confidence in your services. 

To address this issue, I request the following actions : 1. An immediate investigation into the breach, including details of how and when it occurred.

2. Written confirmation of the personal information that was compromised.

3. Steps your company is taking to mitigate the impact of this breach and prevent future occurrences.

4. Complimentary credit monitoring services for at least 12 months.

5. A direct point of contact at your company to address any further concerns or questions. 

Please consider this letter a formal complaint and request for resolution. I expect a prompt response within 30 days. 

Thank you for your immediate attention to this matter. I look forward to your swift and thorough response. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
Tried to pay debt directly to company and they refused my payments stating it was send over to a third party collector. Every other month theyre updating the account with information that isnt accurate or its being sold to another company. The company cant verify any information neither did I give them the consent or sign anything saying its okay to pay the 3rd party company.

The collections are through National Credit Adjust and XXXX XXXX XXXX. They cant verify accuracy I have disputed this several times through XXXX and they will not take the time to validate anything..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX Balance {$18000.00} XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXXXXXX Balance-

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 2025-01-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ).

And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information.

( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX XXXX XXXX XXXX account continues to violate my rights as a consumer THE DATE OF THE SECOND CRIME THAT IS CHANGED ILLEGALLY ( IT MUST REFLECT THE MONTH AND THE YEAR IN WHICH THE SECOND CRIME OCCURRED ) by law the three credit agencies have to report the same and true information, also by law they can not report this account without my authorization. PLEASE EMAIL ME AN UPDATED COPY OF MY CREDIT 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
medical debt placed on credit report, no letting stating what debt was for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account with XXXX XXXX XXXX that remains on my credit report despite an agreement for its removal upon payment. 

The account was originally opened in XX/XX/XXXX with a balance of {$1500.00}. During this time, I was unemployed due to the COVID-19 pandemic, which significantly impacted my financial situation. Despite these challenges, I worked to settle my outstanding debts and entered into an agreement with XXXX XXXX XXXX for a pay for delete arrangement. Under this agreement, upon full payment, they assured me that the collection account would be removed from my credit report. 

I fully paid the account in XX/XX/XXXX, yet the account still appears on my credit report, negatively affecting my credit score. I have made multiple attempts to contact XXXX XXXX XXXX to resolve this issue, but they have failed to uphold their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I dispute the following hard inquiries on my credit report : [ XXXX XXXX, XX/XX/year> ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I dispute the following hard inquiries on my credit report : [ XXXX XXXX, XX/XX/year> ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

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 2025-01-31 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: CA

Complaint narrative:
I sent a complaint to you requesting an investigation into this account that I believed was INACCURATE. To date, I have not received a reply from you or any acknowledgement that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX Balance {$670.00}, XXXX XXXX XXXX XXXX  {$1500.00}, XXXX XXXX balance {$980.00}, XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$160.00}, XXXX XXXX XXXX balance {$660.00}, XXXX XXXX XXXXXXXX balance {$55.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00}, XXXX remove these additionalfraudulent inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX Balance {$670.00}, XXXX XXXX XXXX XXXX  {$1500.00}, XXXX XXXX balance {$980.00}, XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$160.00}, XXXX XXXX XXXX balance {$660.00}, XXXX XXXX XXXXXXXX balance {$55.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00}, XXXX remove these additionalfraudulent inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I used cashapp since 2019 for business and personal. It took out many deductions for taxes and services fees I never had a problem with that but when I went to the app to get documentation and to update information I didn't receive any support. 
I also had issues with unauthorized transactions and additional fees unexpected nor explained. Cashapp dispute process wasn't accessable on the app and anytime I called for support and to fix the concern it would be an automated call. They lack real representatives to help with banking concerns and with the app in general. 
Never received a refund for all the unauthorized transactions I discussed and disputed while using their banking app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BTH Management
State: RI

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX RI, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Credit Bureau Name [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on My Credit Report Dear [ plaza services ], I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I identified an error regarding an account with Plaza Services that requires immediate correction. The specific inaccuracy is as follows : The original creditor name is listed incorrectly. The report states that the original creditor is XXXX XXXX XXXX XXXX XXXX, but previous records and documentation indicate a different original creditor. I request verification of the correct original creditor and correction of this discrepancy. 

This incorrect reporting could have a negative impact on my credit profile, and under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter. Please update the information to reflect the accurate original creditor or remove the entry if it can not be verified. 

I have attached a copy of my credit report highlighting the disputed information. Please conduct an investigation and provide me with an updated report reflecting the necessary corrections. If you require further information, feel free to contact me at [ Your Phone Number ] or [ Your Email ]. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My husband passed away on XXXX, XXXX. I did not wanted to make any close account of his until XXXX. This IRA account was under his name. The bank makes me want until I received a bunch of forms and papers that I did not know what for, when I already showed his death and my marriage certificate. They read in the account that I was the only beneficiary. Usually, staff from the branch of Citibank, helped me and they communicate with the main office in another state. They fail to answer where the money went, because according to them my husband had only {$29.00} instead of {$5200.00} ( originally he had {$6000.00}, but he withdraw {$800.00} ). Due my husband was disable, I made all the opening paperwork, but it took some time to receive his SSD, so he told me about the withdrawal ). It was the only one

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Sir/Madam, I am writing to formally file a complaint regarding the abrupt and unexplained closure of my Bank of America credit card account. I had accepted a promotional offer of 0 % interest until XX/XX/year> and have always maintained a good payment history with this account. 

To my surprise, my credit card was suddenly closed and canceled without any prior notification from Bank of America. When I contacted the bank, the representative informed me that the closure was directed by XXXX. However, upon reaching out to XXXX, I was told that their role is limited to reporting credit information, and they do not have the authority to close accounts. 

I find this situation extremely unjust and confusing. As a responsible customer who has adhered to all the terms and conditions, I believe I deserve a clear explanation for the closure of my account and the immediate reinstatement of my credit card. On XX/XX/XXXX, I contacted Bank of America customer service, and they refused to provide information, claiming that they sent it via mail, which I have not received. On XX/XX/XXXX, I contacted XXXX, who couldn't help me as it was the bank that made the decision. 

I would appreciate your assistance in investigating this matter and providing a resolution as soon as possible. Please let me know if any additional information or documentation is required from my end. 

Thank you for your attention to this matter. 

Sincerely, 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