vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: CA

Complaint narrative:
I have a Klarna account, Ive had one for a couple years and only used it for XXXX XXXX and XXXX XXXX 
On XX/XX/year> and XX/XX/year> XXXX purchases were made on my account that I never authorized. Both purchases coming from XXXX, tickets for concerts apparently. I never made, I never authorized, in addition I never received as well. 

I didnt notice these purchases until, XX/XX/year> when I made my first dispute. Then it was cancelled. I was told to reach out to the merchant to receive a refund. 

I said okay, after speaking with XXXX, they stated they could not provide a refund. I would have to get a refund through my bank as it was an unauthorized purchase, I said okay. 

They sent an email stating, the XXXX account used was locked, and that I need to contact my bank for a refund, once the bank gets notified of the dispute, they contact XXXX, then XXXX stated they would initiate the refund. 

After speaking with both XXXX bank, and Klarna where the purchase was made, they still denied me a refund. Even after reviewing their policies. I even have an email from XXXX with proof stating I didnt make the purchase, and that the account and tickets are locked anyways. I didnt receive any product, approve of any purchase. 

Yet Im unable to receive any refund, or any help. Ive been struggling for two months, and the amount totals to about {$2000.00}. Which is worse considering I never even received anything in exchange. 

I would love some help regarding this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Sep. XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX. XXXX, XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX {$760.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX {$390.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX {$1200.00} my name was leap in the data base

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood has restricted my account for no reason and even after verification that it is my account they still have not given me my money back. At this point I dont even care about the account. Just refund me my money I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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 non-monetary relief
Consumer complaint received 2025-02-07 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
According to the FCRA I am supposed to get a 5 day written notice from this company of this alleged debt with the chance to resolve such a matter before this alleged debt is placed on my credit Report. Please provide me proof i received this mail by providing me and The cfpb a certify letter and return green receipt!!

Lvnv funding must show this finding im requests or this is proof they broke the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: NJ

Complaint narrative:
I am writing to dispute an unauthorized account reported by TransUnion under XXXX XXXX Partial Account : XXXX ) that remains on my credit report despite several disputes. This account is unauthorized, and I have never given written consent for it to be reported. On XX/XX/year>, I successfully disputed this account with XXXX, which removed it after confirming it was unauthorized and improperly reported without my knowledge or consent. TransUnions continued reporting of this account violates my rights under the Fair Credit Reporting Act under multiple provisions, specifically under 15 USC 1681e ( b ) for failing to ensure maximum possible accuracy, 15 USC 1681b for reporting the account without a permissible purpose, 15 USC 1681i ( a ) for failing to conduct a reasonable investigation, and 15 USC 1681c ( a ) ( 4 ) for reporting inaccurate information. This is not a minor oversight but a significant breach of my consumer rights, as this unauthorized account continues to damage my creditworthiness and personal reputation. I trusted that TransUnion, as a major credit bureau, would prioritize accuracy and compliance with federal law, but their continued negligence is unacceptable. The fact that XXXX promptly removed the account after proper investigation only highlights TransUnions failure to uphold its legal obligations. I did not authorize or consent to this account being reported, and its continued presence on my credit report compounds the financial and emotional distress caused by this error. TransUnions failure to act after repeated disputes suggests a pattern of noncompliance that can not be ignored.

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 2025-02-07 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, and XXXXXXXX XXXX Account number 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 2025-02-07 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: OneMain Finance Corporation
State: NE

Complaint narrative:
One Main Financial did a soft pull online XX/XX/year> then was informed that I am denied via online notification it stated clearly that it would not affect my credit. I called and spoke with a lady in XX/XX/year> and she told me that they do not show it was ran as a hard inquiry she then told me it would fall off. I informed her that it will need to be removed or I will report this as it is not accurate. She told me again that she was in the Nebraska office and would submit a removal and I now see that she again ran my credit a second inquiry is now listed on the date I called complaining. Please remove this as when you go online to one main financial it clearly states it will not affect your credit. I am afraid to call again as I may receive the same lady and she may run another inquiry on my credit, please remove this from my credit report. Contacting the company directly did not help and only made another inquiry appear on my credit report. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Experian is not properly investigate any dispute Because I've proved proof to the company regarding an inaccurate account, .. it has been at least 48 time submitted my dispute to the company alone with proof which was upload through their website and the company failed to delete the account.CFPB have brought to light significant concern regarding experian failure to conduct proper investigation but nothing has change.

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 2025-02-07 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate personal information that appears on my credit report. As a consumer, I have the right to ensure that my credit file contains only correct and verifiable information under the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit report, I discovered multiple incorrect names, addresses, employers, and phone numbers that do not belong to me. To clarify, my correct and accurate personal information is as follows and the Attached Document. I only have 1 name 1 address 1 phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXXXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
There had been multiple of attempts for a refund from the company cash app. There were no live agents, no number available to speak to a representative, or anything of that nature. Only thing the company cash app would provide is someone on the back end of the company cash app approving and denying the case. Very disappointed and very disheartening especially when Ive been a user for so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Claim Reference Number : XXXX I called XXXX bank to file a couple of unauthorized transactions and I didnt recognize those transactions, and spoke and explained everything to the representative that I was traveled and lost my belongings are phone, wallet, purse. I kept calling them to ask about the update of my claims since I am very concerned about it. Those are my hard work money and really upset and sad if I lose it. However, 10 days later my claims got denied and they said : I responded Yes to the link texted that they sent me. I was lost, I didnt respond to anything, didnt receive anything since I didnt have a phone. It was lost.

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 2025-02-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App has blocked me from adding Cash to my Cash app card. I can't deposit checks w/ my phone. I can only add money from another linked bank account. Yet they let me borrow money which is paid back early & borrow limit keeps going up. But paying is getting difficult with them blocking means of adding funds to the account. CS can't tell me why there is a block or who placed these blocks or how to remove the block. Just says " NOT ELIGIBLE '' no explanation or ways to restore it. A business tried to refund my account which i paid with cash app card. Refund didn't come thru on cash apps end. Blocked by cash app! NOW, WHEN I REACHED OUT TO CASH App FOR customer service " CHAT '' ... .IT SAYS NOT ELIGIBLE ( TO CHAT!!! ) How can u not be able to talk w/ a agent of a financial institution????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Experian Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Transunion Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Equifax Account ( Name : XXXX XXXX, Acct. # 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 2025-02-07 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Experian Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Transunion Account ( Name : XXXX XXXX XXXX XXXX XXXX Acct. # XXXX ) Equifax Account ( Name : XXXX XXXX, Acct. # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 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