vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: TX

Complaint narrative:
I made a purchase through XXXX XXXX using Klarnas payment service, but I never received my order. Despite my repeated efforts to resolve the issue, Klarna has sided with the merchant based on unverified delivery proof, and I am still being charged for merchandise I never received. 

Detailed Description : On XX/XX/year>, I purchased five pairs of shoes from Finish Line using Klarna as my payment method. On XX/XX/year>, I received an email stating that my order was delivered. However, I never received the package. 

I thoroughly checked around my property, including my porch, yard, mailbox area, and gate, and I also confirmed with neighbors that no package was received. I contacted XXXX XXXX, and they informed me they could not issue a refund or reshipment. 

I then contacted Klarna, who stated that because the merchant provided proof of delivery, they could not take further action. However, I have no evidence or confirmation that the package was actually delivered to my address. 

I am now being charged for an order I never received, despite exhausting all reasonable efforts to resolve this directly with both Klarna and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Block, Inc.
State: CA

Complaint narrative:
This is regarding a previous account of mine from XXXX.... XXXX XXXXXXXX is the cash tag related to the account in question... I had had my phone stolen and as a result I got locked out of my XXXX account. So losing access to my phone number and my XXXX account I had also just recently changed my PIN for my account and so it was unable to access my funds. I had direct deposit set up and that account for my SSI check. I have {$1000.00} in that account I tried so many times in the last 2 years to gain access to that account I have gone through the steps they have told me over and over I created it a complaint about 2 years ago and was put in contact with the XXXX but however I lost contact with him it was never able to gain access to my account. I've given them printouts from my social security both accounts are verified under my California ID in my name and it has been 2 years and it is {$1000.00} and they are not allowed to keep my Social Security funds like that. Social Security is not able to withdraw the money from the account I've already asked them they have got to give me access to my money they can not keep it indefinitely and I have done everything that they've asked me to and they just keep running me around in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 605A, a fraud alert is supposed to be placed or removed upon the consumers written request and proper verification of identity. 
If your client has requested that the alert be removed and provided sufficient proof of identity, the credit bureau must act within 30 days ( the standard dispute window ). 
If the alert remains after that timeframe and especially if no written explanation or verification request has been provided the bureau is non-compliant with FCRA 611 ( failure to investigate and correct information ). 
That gives you solid grounds for a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am disputing the reporting of late payments tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 605A, a fraud alert is supposed to be placed or removed upon the consumers written request and proper verification of identity. 
If your client has requested that the alert be removed and provided sufficient proof of identity, the credit bureau must act within 30 days ( the standard dispute window ). 
If the alert remains after that timeframe and especially if no written explanation or verification request has been provided the bureau is non-compliant with FCRA 611 ( failure to investigate and correct information ). 
That gives you solid grounds for a CFPB complaint.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 605A, a fraud alert is supposed to be placed or removed upon the consumers written request and proper verification of identity. 
If your client has requested that the alert be removed and provided sufficient proof of identity, the credit bureau must act within 30 days ( the standard dispute window ). 
If the alert remains after that timeframe and especially if no written explanation or verification request has been provided the bureau is non-compliant with FCRA 611 ( failure to investigate and correct information ). 
That gives you solid grounds for a CFPB complaint.

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 2025-10-16 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALEXANDER-ROSE ASSOC, INC.
State: OH

Complaint narrative:
Alexander Rose and Associates. A debt collector that bought the original date from the elms apartment and are reporting inaccurate information on my credit report that is negatively affecting my credit score. I requested many times the accuracy of the collection date and that I require proof of the original date the debt was incurred. I also have a lease for where I was living in the year XXXX  and I never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
In XX/XX/XXXX, a verified cyberattack deleted proprietary business data and intellectual property belonging to my company and related trusts, creating an immediate financial hardship. I continued making payments for several months while requesting assistance from Idaho Central Credit Union ( ICCU ) for my Home Equity Line of Credit ( HELOC ).

ICCU required detailed personal and business financial documentation, including monthly cost breakdowns and revolving credit data. Instead of using this information to evaluate hardship, ICCU denied forbearance, stating I did not qualify due to inability to pay. This directly contradicts the intent of forbearance and appears to be a bad-faith evaluation of a verified hardship. 

My primary mortgage servicer, XXXXXXXX XXXX approved long-term forbearance through XX/XX/XXXX for the same circumstanceswithout demanding invasive documentation. The inconsistency between lenders shows ICCUs refusal to work in good faith. 

On XX/XX/XXXX, ICCU employees handled original trust documentation for my business and estate. Copies were made without consent, and a separate notarization was completed by a notary commissioned under # XXXX ( exp. XXXX ). ICCU policy does not allow business-trust account creations, and the materials copied contained proprietary intellectual property. 

The incident caused extensive operational disruption and financial harm. I am requesting that ICCU be required to place the HELOC in forbearance or dispute status while this is investigated, confirm that no negative credit reporting occurs, and verify destruction of any unauthorized copies of my trust materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit disputes. I have submitted multiple written disputes over the past several weeks, including XXXX filed more than XX/XX/XXXX days ago, yet the credit bureaus have not provided any valid documentation verifying the accuracy of the disputed account listed below. 

Disputed Account : XXXX XXXX, Account Number : XXXXXX/XX/XXXX ( Collection Account ) Despite several requests for a full reinvestigation, the bureaus continue to report this account inaccurately. This is a clear violation of my consumer rights under federal law. 

Violations Include : Failure to conduct a reasonable reinvestigation as required by 15 U.S.C. XXXX ( a ) Failure to provide the method of verification under 15 U.S.C. XXXX ( a ) ( XXXX ) Failure to ensure maximum possible accuracy as required by 15 U.S.C. XXXX ( b ) To date, none of the credit bureaus have provided : The method and procedures used to verify this account The documentation relied upon during the reinvestigation process The full contact information of the furnisher that verified the account These actions show a willful disregard of the FCRA. I have now filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XX/XX/XXXXState Attorney Generals Office documenting these repeated violations.

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 2025-10-16 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: NY

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding my credit disputes. I have submitted multiple written disputes over the past several weeks, including XXXX filed more than XX/XX/XXXX days ago, yet the credit bureaus have not provided any valid documentation verifying the accuracy of the disputed account listed below. 

Disputed Account : XXXX XXXX, Account Number : XXXXXX/XX/XXXX ( Collection Account ) Despite several requests for a full reinvestigation, the bureaus continue to report this account inaccurately. This is a clear violation of my consumer rights under federal law. 

Violations Include : Failure to conduct a reasonable reinvestigation as required by 15 U.S.C. XXXX ( a ) Failure to provide the method of verification under 15 U.S.C. XXXX ( a ) ( XXXX ) Failure to ensure maximum possible accuracy as required by 15 U.S.C. XXXX ( b ) To date, none of the credit bureaus have provided : The method and procedures used to verify this account The documentation relied upon during the reinvestigation process The full contact information of the furnisher that verified the account These actions show a willful disregard of the FCRA. I have now filed complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XX/XX/XXXXState Attorney Generals Office documenting these repeated violations.

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 2025-10-16 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: NM

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I receive a payment in my company account but the name under the transfer for the company its under one of my partners and they close me the cone for suspicious activity and intentional fraud and the money is no refund yet so they dont return to the company pay us, but they dont give us a check yet. We have six months already Waiting for an answers and they dont give us an answer so we have a lot of issues with the payment of the contracts we have under that money and we dont get we dont get answers. They dont receive phone calls or whatever so I dont know what I need to do if I need to put a lawyer or I can make a complaint here

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