vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: VA

Complaint narrative:
XX/XX/year>, XXXX I made a purchase on XXXX using Klarna XXXX a XXXX Tag Collar Leather Jacket. 
PRICE= {$480.00} The Klarna reference number is XXXX { ORDER NUMBER ON XXXX  XXXX } So, the item was shipped as usual, and then on the delivery date XX/XX/year>, it was marked as delivered. Now at the time of my arrival home the package was not in the spot where the picture XXXX provided showed it was left. This automatically leads to the assumption that it was either XXXX taken back by XXXX, or XXXX that it was stolen. Clearly as of now the statement from XXXX was that it was delivered, along with this XXXX claimed that XXXX stated it was actually received by a resident directly, which in turn makes no sense because in the picture it was clearly left on the side of the porch, it was never signed off for or taken in hand. So, after the situation with XXXX and XXXX doesn't get resolved in a proper manner I reported it to Klarna, the service I used to purchase the product. 

An investigation was said to have taken place and once again I get told that the delivery has enough evidence that it went fine and that it was delivered to the right location. Clearly not taking into consideration that obviously the product was delivered as shown in the picture, but it disregards my point being made in which at my time of arrival on the day of delivery the product was no longer in that same spot shown by XXXX. As of now payments are still being taken from my account to fulfill the contract I have of buying an item now and paying later, but the catch is I don't have the item I'm still being forced to pay for. And I can understand that Klarna is not at fault for my order going wrong, but it is the service I used to be able to purchase and actually receive the product, which clearly has not occurred, so it feels unjust for me to pay for goods I don't have in this matter. But I did include my order number for XXXX in case CFPB can directly reach out to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I originally deposited {$5000.00} from a joint checking account with my mother in early XXXX in order to pay bills. After some confusion the funds entered the account and I used {$2000.00} to pay credit card bills and there was a remaining account balance of {$3300.00}. About XXXX weeks later without using the remaining available funds the account balance went to {$900.00}. Evidently according to Merrill Lynch I made two ATM withdrawals both in the amount of {$1000.00}. One withdrawal was in XXXX, XXXX on XX/XX/XXXX and the other withdrawal was in XXXX, XXXX also for {$1000.00}. I never made either of these withdrawals, I never would carry that much cash on my person. I called Merrill Lynch customer support and they deactivated my ATM Debit card and said they would create a case for fraud. About XXXX weeks later they came back and said they would not credit my account and that both withdrawal were made by me. Its a word against word situation. Then, recently I transferred {$900.00} from a payday load company to the account and they took those funds saying it was to pay for a Credit they gave my account on XX/XX/XXXX, which I never received. Now they are saying I owe them {$1200.00} in overdraft balance on the account. Please assist.

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 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I am writing to formally express my deep frustration and concern regarding two student loan payments that have not been credited to my account by MOHELA, despite being cleared by my bank. My MOHELA account number is XXXX. This is my second complaint to the Consumer Financial Protection Board. My first complaint number is XXXX, dated XX/XX/XXXXXXXX XXXX 
My first uncredited payment, in the amount of {$500.00}, was processed and cleared by my bank on XX/XX/XXXX, with confirmation number XXXX. After multiple phone calls with MOHELA representatives, I have been repeatedly told the issue must be " researched. '' In an effort to seek resolution, I also filed a complaint with the Consumer Financial Protection Bureau. MOHELA responded by stating the issue required an additional 3060 days for investigation. That time has since passed, and I have not received any updates, resolutions, or further communication. 
Furthermore, a second {$500.00} payment cleared on XX/XX/XXXX, with confirmation number XXXX and has also not been credited to my account. This brings the total of missing payments to {$1000.00}. 
In the meantime, interest continues to accrue on my loan balanceinterest that I should not owe, given that I have made timely payments. I am demanding the immediate crediting of both payments to my account and a full adjustment of the improperly charged interest, the reversal of any late charges assessed and assurance that this will not affect my credit score. 
Additionally, I am formally requesting that my student loan be transferred to a different servicer. MOHELA has failed to fulfill its obligation to accurately manage my loan, respond in a timely manner, or provide any form of accountability. 
Please treat this letter as both a formal complaint and a demand for immediate action. I appreciate your urgent attention to this matter and expect to receive confirmation of resolution without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
I have attached a file showing accounts that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. In accordance with the Fait Credit Reporting act, I have the right to dispute incomplete or inaccurate information.

15 U.S.C. 1681i provides consumers with the power to dispute inaccurate information that is listed on their credit reports

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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
The XXXX XXXX  cash back is not applied to everything [ as marketing claims ]. 

The most expensive thing I charged, was predictably not counted. 

The arbitrary nature is proved by the fact that a XXXX XXXX charge for XXXX was not counted for XXXX XXXX, whereas XXXX XXXX charge for the same thing was counted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have several charge-offs and inquiries, addresses and phone numbers that I am not associated with. I requested information from a multitude of companies on my credit file because inaccuracies are being reported on varies date and transferred to other companies. Will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The credit bureaus are supposed to report accurate information and based on the accounts in collections, charge-off, and recent inquiries this is not happening. I believe that I have been affected by multiple date breaches. My name is XXXX XXXX, any other names or variations should be deleted. The only address that should be there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete any other addresses on my credit.

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 2025-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint because I have made multiple attempts to contact my loan servicer regarding the status of my student loans, and I have not received a satisfactory resolution. Despite my repeated outreach, my account is still showing as past due, which is inaccurate and unacceptable. 



I have consistently made payments as agreed and am in full compliance with the terms of my repayment plan. My loans should be reported as current and in good standing. There is no valid reason for a delinquency to be reflected on my account or in any credit reporting. 



This matter is now urgent and requires immediate intervention. I am requesting that my loans be fully reviewed, and that any incorrect reporting be corrected without delay.

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 2025-05-10 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: MD

Complaint narrative:
I am submitting this complaint because I have made multiple attempts to contact my loan servicer regarding the status of my student loans, and I have not received a satisfactory resolution. Despite my repeated outreach, my account is still showing as past due, which is inaccurate and unacceptable. 



I have consistently made payments as agreed and am in full compliance with the terms of my repayment plan. My loans should be reported as current and in good standing. There is no valid reason for a delinquency to be reflected on my account or in any credit reporting. 



This matter is now urgent and requires immediate intervention. I am requesting that my loans be fully reviewed, and that any incorrect reporting be corrected without delay.

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 2025-05-10 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: NV

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

III. Supporting Evidence ( To be Submitted if Available ) Copy of government-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showing inaccuracies

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 2025-05-10 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: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-05-11 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: NC

Complaint narrative:
I was the victim of identity theft. My email was hacked, and {$90000.00} was stolen via wire fraud, and loan applications were made for consumer loans in my name. None of these were mine. I submitted copies of the police report and FTC report and asked to have these removed. Experian and XXXX  removed them, but Equifax has refused to removed the inquiries that were not mine, but were made by someone else in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Address on my account that isnt mine! Debt that they been asking me for money and calling my job about debt! XXXX stating I will go to jail if I dont pay a 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 2025-05-10 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: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: SC

Complaint narrative:
I have used Crypto.com for years, and have constantly used my debit card to make purchases on the app. Well today, I tried to make a withdrawal for the first time and was unable to. Crypto.com would not let me connect my bank account because my name did not match my bank account. After I got the representative to change my name from to maiden name to married name it still did not work. It did not work for two reasons because my account is a joint account and because my bank uses my middle initial instead of my full middle name. The representative told me she could not change my name in crypto.com because it didnt match my license. Well of course, its my middle initial, I then asked them how I could access my money. They told me I could get a crypto.com credit card. This is the first time since at least 2022 I have attempted to make a withdrawal and I am unable to access my money. I understand security on accounts, however I have clearly verified my account. Crypto.com is not letting people access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint because I have made multiple attempts to contact my loan servicer regarding the status of my student loans, and I have not received a satisfactory resolution. Despite my repeated outreach, my account is still showing as past due, which is inaccurate and unacceptable. 



I have consistently made payments as agreed and am in full compliance with the terms of my repayment plan. My loans should be reported as current and in good standing. There is no valid reason for a delinquency to be reflected on my account or in any credit reporting. 



This matter is now urgent and requires immediate intervention. I am requesting that my loans be fully reviewed, and that any incorrect reporting be corrected without delay.

Company response to consumer: Closed with explanation