vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Klarna AB
State: OH

Complaint narrative:
Klarna blocked me from making purchases, saying they couldnt verify my identity, even though all of my personal information matches my credit bureau records. To work around this, I added funds directly into my Klarna balance to see if it would allow me to make purchases, but it still did not work. 

Between September 910, 2025, I deposited a total of {$93.00} into my Klarna account through my debit cards : {$55.00} on XX/XX/XXXX {$16.00} on XX/XX/XXXX {$10.00} on XX/XX/XXXX {$12.00} on XX/XX/XXXX When I asked for a refund, Klarna told me the funds are non-withdrawable unless I create a Klarna Debit Flex Card, which I can not do. This means Klarna is holding my money with no way for me to access it. I am requesting that Klarna refund the {$93.00} back to the original debit cards used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/, Navy Federal Credit Union closed my membership and all associated accounts, citing fraudulent membership opening. This is false I was fully eligible for membership through my employment at the XXXX XXXX XXXX XXXX. My accounts were in good standing and Navy Federal had just approved me for a new credit card. 

After closure, Navy Federal continued to accept my direct deposits but blocked my access to my funds, leaving me unable to pay rent and bills and causing negative reporting on my credit report. 

This complaint serves as notice that I am seeking arbitration pursuant to Navy Federals Membership Agreement. I am demanding reinstatement of my accounts or release of my funds, removal of any negative reporting, and compensation for the damages caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app said I was having suspicious activity on my account and suggested I cancel my card and request a new one so I don't have any issues or fraudulent charges anymore so they cancelled my card for me and when I tried to request another card they said they have t made a decision on if I can receive another card yet they suggested it be cancelled when I wasn't having any issues on my end I used my card on a regular basis without any issues an I requested a card several times now same response or they say go in the app and.request a new card be sent to me yet it says error message Everytime and when I call they say the same thing it not a decision made to me having one and or they're sending this information to a higher support team and no one ever contacts.me.and I still can't get my card to my account but they said I can still send and receive money with them until a decision is made it's been goin on a yr now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-15 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me.

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-15 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 request unauthorized credit inquiries on my EQUIFAX Credit Report. My latest credit report shows 6 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: DE

Complaint narrative:
I am filing this complaint because TransUnion has illegally reinserted a charged-off XXXX XXXX account ( XXXX XXXX XXXX XXXX ) into my credit report without providing the required notice under the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$460.00} Current Status : Charge-off Remarks on TransUnion report : Account previously in dispute now resolved. Reported by credit grantor. CLOSED BY CREDIT GRANTOR ; UNPAID BALANCE CHARGED OFF.

FCRA Violations 1. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Once an item has been deleted following a dispute, a credit bureau may not reinsert it unless : ( a ) the furnisher certifies it is accurate and complete, AND ( b ) the bureau notifies the consumer in writing within 5 business days of reinsertion.

I was never notified in writing by TransUnion.

2. FCRA 611 ( a ) ( 7 ) Method of Verification I requested verification of this account, but TransUnion has not provided the name, address, or phone number of the furnisher that allegedly certified this reinsertion.

3. FCRA 623 ( a ) ( 1 ) ( A ) Furnisher Accuracy Obligations XXXX XXXX XXXX XXXX is reporting information that is inaccurate and misleading since the account was already previously disputed and resolved.

Harm to Consumer The reinsertion of this derogatory account is causing ongoing damage to my credit scores and financial opportunities.

It also places me in a position of having to repeatedly dispute the same information, which violates the intent of the FCRA.

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. The report shows an eviction that should not be listed, as I have never had a eviction. 

This information is inaccurate and misleading, I have apply for apartment in it's reporting Eviction/Unsatisfied. 

Investigate this matter promptly. 
Remove the Inaccurate eviction entry from my credit report. 
Provide me with a corrected copy of my credit report once the error is resolved.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint because Capital One is reporting different payment histories to XXXX  and XXXX. My payment history should be reported consistently and accurately across all credit bureaus, but it is not. This discrepancy is causing harm to my credit profile and violates my rights under federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information ( such as Capital One ) have a legal obligation to provide information that is accurate and complete. Reporting different or conflicting payment histories to different credit reporting agencies is a direct violation of this requirement.

Additionally, the FCRA gives me the right to dispute inaccurate or incomplete information appearing in my credit reports. I am formally disputing these discrepancies and requesting that Capital One : 1. Correct and update all inaccurate payment history being reported to XXXX  and XXXX  so that the information is consistent and accurate across all credit bureaus ; OR 2. Delete the inaccurate information if Capital One can not provide verifiable, accurate records. 

I am also requesting that any documents, records, and information used to process, investigate, or verify this complaint be provided to me as part of the resolution. I have a right under federal law to receive information relevant to my dispute. 

Failure to report accurate and consistent information is illegal, and I am asserting my right under federal law to have only * * fair and accurate information * * on my credit reports. I request that the CFPB ensure Capital One complies with its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
Im reaching out because I noticed that some of the accounts on my credit report are showing the wrong current balance. These are the accounts that need to be looked at : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} The balances being reported dont match what I actually owe some havent changed even though Ive been making payments, and others are just off completely. This is affecting my credit score and making it harder for me to move forward with things like applying for credit or refinancing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. The report shows an eviction that should not be listed, as I have never had a eviction. 

This information is inaccurate and misleading, I have apply for apartment in it's reporting Eviction/Unsatisfied. 

Investigate this matter promptly. 
Remove the Inaccurate eviction entry from my credit report. 
Provide me with a corrected copy of my credit report once the error is resolved.

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 2025-09-15 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:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 11 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : 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 XXXXXX/XX/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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX I noticed fraud charges by XXXX. I reported as fraud. After a few days later when my card was issued I noticed XXXX charged my card again. I contacted Bank of America and they mentioned that XXXX probably requested my card information from XXXX. And I was told nothing could be done about it. Even if I requested a stop payment. I do not own a tesla and have no plans to buy one now. Again Bank of America said they can't do anything about it.

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 monetary relief
Consumer complaint received 2025-09-15 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: NC

Complaint narrative:
I am a victim of identity theft caused by a data breach. My personal information was stolen and used to open fraudulent accounts, collections, and hard inquiries that do not belong to me. These accounts appeared on my credit reports with Experian, Equifax, and TransUnion without my knowledge or permission. 

The fraudulent accounts include credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), loans and leases ( XXXXXXXX XXXX XXXX for {$17000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr {$1000.00} ), utility/phone accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1700.00} ) , and an insurance collection ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} ) . I also discovered unauthorized hard inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I first noticed these items in XX/XX/year>XXXX  when I reviewed my credit report. I immediately filed an FTC Identity Theft Report, provided copies of my ID and proof of address, and sent each bureau a dispute letter under FCRA 605 ( b ). That law requires the bureaus to block and delete fraudulent information within 4 business days once they receive my documentation. 

Despite my actions, these fraudulent accounts and inquiries remain on my credit reports. They are not mine, I never applied for them, and they are damaging my credit. I am requesting that the CFPB enforce my rights under the Fair Credit Reporting Act and require the bureaus to permanently block and delete these items and confirm this to me in writing.

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 2025-09-15 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX  Experian XXXX XXXX, XXXX XXXX. XXXX XXXX, TX XXXX Re : Credit Report Dispute XXXX  XXXX To Whom It May Concern, I am writing to dispute the reporting of a XXXX  XXXX account that appears on my Experian credit report as charged off with a balance of {$2200.00}. 

I believe this reporting is inaccurate and incomplete for the following reasons : The reported balance of {$2200.00} is marked as both charged off and currently past due. An account can not simultaneously be considered charged off and still accrue a past due balance this is misleading and inconsistent reporting. 

Payment history shows multiple CO notations across XXXX without verifiable records. Reporting the same derogatory notation for consecutive months is misleading and does not accurately reflect activity on a closed account. 
The status date is inconsistent. The account was closed in XX/XX/XXXX, but Experian continues to show updates as of XX/XX/XXXXXXXX  without furnishing proof of ownership or verification from the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i, I am requesting that Experian conduct a reasonable reinvestigation of this account. If XXXX XXXX can not provide verifiable documentation of the accuracy of this reporting, the account must be corrected or deleted from my file. 

Please provide me with : Written verification and supporting documentation from XXXX XXXX validating the accuracy of this account. 
The name, address, and telephone number of any furnisher who verified the account. 
The written results of your reinvestigation within 30 days. 

Sincerely. 
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 2025-09-15 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: CA

Complaint narrative:
I received student loan forgiveness in XX/XX/XXXX. I made XXXX additional payments of {$580.00} while my forgiveness was being processed. However, I never received my refund. I called Mohela and sent an email. On XX/XX/XXXX, the email stated that if a refund is due, I would receive it in XXXX days. I have not received a refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Property Receivables, Corp
State: TX

Complaint narrative:
I am disputing the XXXX XXXX collection account appearing on my credit report. This debt is inaccurate and must be deleted for the following reasons : XXXX XXXX failed to apply my security deposit toward the balance owed. 
I previously sent a certified letter requesting validation of this debt, but the collector did not provide proper validation as required under the FDCPA ( 15 U.S.C. 1692g ). 
Reporting this account without accurate validation makes the information incomplete and inaccurate in violation of the FCRA ( 15 U.S.C. 1681i ). 
For these reasons, I am requesting that this XXXX XXXX collection account be removed immediately from my credit report. Please confirm in writing once this deletion has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
I am formally disputing inaccurate information listed on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), Section 609 and 611, I have the right to request correction or deletion of information that is incomplete, inaccurate, or unverifiable.

The following accounts contain errors : 1. Account Name XX/XX/XXXXXX/XX/XXXX Balance Reported : {$100000.00} This account is being reported with inconsistent late payment history, specifically 30-day late notations that are not accurate. 
Payment history does not match actual performance, as the account has been maintained on time. 
Date Opened is reported differently across bureaus, creating inconsistency. 
The account should reflect Pays as Agreed with no derogatory marks. 
2. Account Name :XX/XX/XXXXBalance Reported : {$32000.00} Reported balance and account details appear inaccurate. 
Please verify this account with the original creditor and correct or remove unverifiable data.

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