vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Klarna for processing unauthorized automatic payments after I had clearly revoked my authorization and requested the removal of my payment method. 

On XX/XX/year>, I contacted Klarna to revoke authorization for all automatic payments associated with my account. I also explicitly requested that the payment card on file be removed entirely from their system. 

Despite this clear communication, Klarna did not remove the card or acknowledge my request until XX/XX/year>, over a month later. During this time, I received repeated excuses and was instructed to disable automatic payments from my end, an option I did not have access to within their platform. 

Then, on XX/XX/year>, Klarna withdrew three automatic payments from the very card that had supposedly been removed. These charges were made : {$45.00}, {$45.00}, {$7.00} After I had clearly revoked authorization To a card that was no longer listed on my Klarna account. 
This is a direct violation of my instructions and a failure on XXXX part to respect my consumer rights and electronic payment consent. 

I am requesting the following actions : A full refund for the three unauthorized payments taken on XX/XX/year>. 
A formal assurance that no further automatic payments will be processed on my account without my explicit authorization. 
I am happy to provide copies of my communications with Klarna, confirmation of my requests, and proof of the unauthorized charges. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX provided Total Credit proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank manager confirming same. Letter and supporting documents were sent certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
On XX/XX/year>, provided Total Credit proof that payment was made for the full outstanding balance that was on the account. Proof was submitted by personal checking account bank statement and notarized letter from bank manager confirming same. Letter and supporting documents were sent certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$11000.00}

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 explanation
Consumer complaint received 2025-04-21 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: MI

Complaint narrative:
I submitted dispute requests to all three major credit reporting agencies ( Experian, Equifax, and TransUnion ) because there are accounts on my credit report that are inaccurate. I had payment plans in place for several accounts and successfully paid them in full. These accounts should now be reflected as closed and in good standingbut they are not. 

Some accounts that I paid off months ago are still showing as open or delinquent. 

Additionally, any accounts that are closed and in negative standing should be removed from my credit report if they are no longer relevant or beyond the reporting period. Ive already contacted both the credit bureaus and original creditors, but the reports have not been corrected. I am filing this FTC report to request that these issues be addressed and corrected appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a negative remark reported on my Early Warning Services ( EWS ) consumer report by Chase Bank. The bank has accused me of fraud, yet has failed to provide any documentation or evidence substantiating this claim. I assert that the information reported is inaccurate, damaging, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite my repeated attempts to dispute this matter directly with the bank and XXXX XXXX XXXX, a negative remark remains on my report. I have not been presented with any proof of fraudulent activity, nor have I received a proper explanation of the claim. As a result, I have been unfairly denied access to basic financial services. 
I am requesting the following : 1. A full investigation into the matter.

2. A requirement that the financial institution provide documented proof supporting the fraud allegation.

3. Removal of the inaccurate negative information if no such proof exists.

4. Confirmation that my consumer rights are being protected per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
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 2025-04-21 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BLINCLOANS, INC.
State: NC

Complaint narrative:
OneBlinc Loans added a change to my account saying it was " Charged Off '' and my account is in good standing. OneBlinc sold he account to another lender. If OneBlinc charged off the account it has nothing to do with me and should not be reported on my credit report. I am in the process of closing on my VA Loan on my house and o show this reporting on my credit report will prevent me closing and it is erroneous when I have always been on time with my payments and it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NC

Complaint narrative:
Theres an account showing up on my credit report that doesnt belong to me. It looks like my information is being mixed up with someone elses, which is really concerning. I have no connection to this account, and it shouldnt be linked to my credit at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: AK

Complaint narrative:
I was recently locked out of my account. I called in and successfully verified my identity, but the representative said they needed to send a verification code to my U.S. phone number. Unfortunately, I currently reside in the XXXX and had to turn off my phone service due to the high cost, so I wasnt able to receive the code. 

Because of this, they were unable to unlock my account. They tried to verify my identity through security questions, but I did not pass that process either. As a result, I now have no access to my funds, no way to support myself here, and no means to return to the U.S.

Im urgently requesting that my account be unlocked so I can transfer my money to a local bank and access the funds I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Experian has reinserted previously deleted accounts back onto my credit report without providing the proper written notice within 5 business days, as required by FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). These accounts were already disputed, verified as fraudulent, and removed yet Experian allowed them to reappear with no explanation or justification.

This is a direct violation of federal law. These inaccurate accounts are negatively impacting my credit score, and I am currently in the middle of important financial transactions that require an accurate report.

Experians failure to notify me of the reinsertion and provide the source of the alleged verification is deceptive, negligent, and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
I had XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SC. My insurance paid nearly XXXX, but there were residual fees, and I made a payment arrangement with the hospital. I have not missed a payment and only owe about {$500.00}. on the remaining debt, but the hospital sent part of the debt that was included in the payment arrangement to a collections agency. They keep changing the collection agency after I show them proof that I have been paying, which shows up on my credit and has affected my ability to get the best rate/financing for a mortgage. I have sent proof of payments, that have been paid every month, but this collection agency, UNITED COLLECTION BUREAU at XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone number ( XXXX ) XXXX. I have disputed these charges on all XXXX credit bureaus, called XXXX but they have not removed this from my credit report. Please help me get this removed as soon as possible to get my credit score back up. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
CFPB Complaint Text COPY/PASTE THIS Summary of issue : PayPal is holding {$2000.00} that was sent to me from my mother via her verified PayPal account XXXX This money was a personal loan to help launch my startup, a XXXX  company called XXXX XXXX AI. There was no product or service exchanged it was a direct transfer from a known, repeat VERIFIED sender. 

Immediately after receiving the payment, PayPal flagged my account, restricted access, and informed me that I would no longer be allowed to use PayPal services. They then placed a 180-day hold on the full {$2000.00}, even though the funds had already cleared from my mothers bank account. 

PayPal will not allow me to refund the sender. My mother also tried to initiate a refund or dispute from her account but was given no option to do so. Weve both contacted PayPal customer support multiple times and were told nothing can be done. The money is just being held with no access or recourse despite no wrongdoing, fraud, or dispute. 

This is not a seller transaction. It was a family loan. The sender wants the money returned, and I have no way to release it. 

This situation is financially devastating, as the funds were to be used immediately for business startup costs. PayPals policy of locking down funds for 180 days without appeal or refund option, and refusing to return the money to the rightful sender, is unjust, unreasonable, and possibly unlawful. 

Requested resolution : I am requesting that PayPal immediately release the {$2000.00} to the original sender or allow me to refund the transaction without waiting 180 days. This was a personal/family transfer, not a sale, and there is no dispute between the parties. We both agree the money should be returned. 


Company : PayPal , Inc . 
Date of Transaction : XX/XX/year> at XXXX XXXX  PDT Your account email XXXX Senders email : XXXX Amount : {$2000.00} Problem Type : Other problem Product Type : Money transfer, virtual currency, or money service Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
There damaging my credit reports I want this stopped please

Company response to consumer: Closed with explanation