vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Yes, these account have been disputed as charged off/Paid and I have requested in writing and to investigate properly. The correct amount I owed and have stated this amount is wrong and needs to be removed from my credit several times as still no action have been taken nor provided. I have attached the only things they have sent and clearly it's not correct I have asked for a proper investigation. 
XXXX XXXX # XXXX Amount of Alleged Debt : {$330.00} Charge-Off and sold to XXXX XXXX XXXX XXXX  XXXX XXXX Sold account to : XXXX XXXX XXXX # XXXX Amount of Alleged Debt : {$2900.00} Reason for Dispute : Inaccurate information XXXX XXXX # XXXX Sold To : XXXX XXXX XXXX Amount of Alleged Debt : {$87.00} Reason for Dispute : CLOSED XXXX  XXXX XXXX ACCOUNT : XXXX Amount of Alleged Debt : {$3700.00} Reason for Dispute : CLOSE/Derogatory XXXX XXXX XXXX Amount of Alleged Debt : {$400.00} Reason for Dispute : Paid/Close XXXX XXXX XXXX  ACCOUNT : # XXXX Amount of Alleged Debt : {$720.00} Reason for Dispute : Paid/Closed & inaccurate information XXXX XXXX XXXX ACCOUNT : # XXXX Amount of Alleged Debt : {$200.00} Reason for Dispute : Paid/Closed & inaccurate information XXXX XXXX XXXX XXXX SOLD THIS ACCOUNT TO XXXX XXXX XXXX ACCOUNT # XXXX Amount of Alleged Debt : {$340.00} Reason for Dispute : Close XXXX  ACCOUNT # 2 Amount of Alleged Debt : {$1500.00} Reason for Dispute : Close/Paid/Never late & Inaccurate Payment XXXX XXXX XXXX ACCOUNT # XXXX Amount of Alleged Debt : {$200.00} Reason for Dispute : Paid/Close/ inaccurate amount/ Never Late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NY

Complaint narrative:
this account is inaccourately reported as unpaid/in collection. the debt was fully paid on XX/XX/year>, to XXXXXXXX XXXX XXXX XXXX. Payment Confirmation # XXXX. They provided a Notorized letter of Discontinuing Collection Activity as attached. Please Update the status to fully paid, {$0.00} balance to ensure complete and accourate reporting.

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 2025-12-28 00:00:00
Product: Credit card — Store credit 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I filed a dispute for a charge from XXXX XXXX XXXX XXXX for the amount of {$340.00} on XX/XX/year>. The reason for my dispute was due to an improper and misleading blood work panel that was performed for my cat pet. I was informed by the vet staff the blood panel test would provide an accurate diagnosis followed by their recommendation of treatment/medication, however that was not the case. They were unable to determine the cause of illness and due to the severity of my cat 's health condition I was forced to take him to a different veterinary that performed another blood work panel and did in fact provide a proper diagnosis, followed with treatment and a after care plan upon being thoroughly examined and tested. I filed a dispute with HSBC XXXX XXXX and they advised me to mail documents pertaining to my claim, in which consisted of the improper blood panel from the disputed merchant and a different veterinary that was able to provide transparent and correct diagnosis from the testing. After multiple follow-ups with HSBC customer service , the advised me it wasn't received and I re-mailed it in XX/XX/year>. The bank has now closed my dispute and I'd like them to process my claim fairly with the supporting documentation I provided. I'd like an intervention to ensure my dispute is investigated per regulatory protocols. 
I have all documents pertaining to my claim, and can re-submit them to HSBC bank or the Consumer Financial Protection Bureau if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Nothing is available due to my identity theft but the person is XXXX XXXX who stole my identity and pd want let me report 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
I was charged {$33.00} and {$.00} when I didnt even XXXX spend that money and they said I did when I XXXX did it and they keep denying my dispute. I already filed two of them. They wont let me file a third nobodys XXXX helping I wan na press charges and I wan na sue and lets not forget they lied to the cfpb and said they were looking into it when they already had XXXX denied the dispute and their customer service is mentally XXXX XXXX. I want my money back or Im gon na find a way to press charges and to sue and I will be suing for way more money than what they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Klarna AB
State: CA

Complaint narrative:
FTC Report XXXX : XXXX Summary of Situation : I am the victim of identity theft. My stolen phone and ID were used without my authorization to open a Klarna account and make purchases. I have taken all responsible steps to report and prevent fraud, including filing an FTC report, freezing my credit, and documenting all communications. 

XXXX : XX/XX/2025 : Lost phone with ID. 

XX/XX/2025 : Klarna account opened ; XXXX fraudulent charges made to XXXX XXXX via Klarna. 

XX/XX/2025 : Phone returned ; I first became aware of the fraudulent transactions and immediately began addressing the fraud. 

XX/XX/2025 : I froze my credit with all three major bureaus. Due to delays with some bureaus, the freeze was completed XXXX days after discovering the fraud. This demonstrates my proactive effort to prevent further misuse of my personal information. 

XXXX Previous Handling of My Claim : Klarna has previously denied my fraud claims despite my providing my FTC Identity Theft Report and documented evidence. 

During the first call ( XX/XX/2025 ), I did not yet have an FTC report. Klarna did not allow me to submit any evidence or ask questions. 

During the second call ( XX/XX/2025 ), I provided my FTC report and told the agent ( XXXX ) that I had a XXXX  ready with all supporting evidence. XXXX acknowledged that the account appeared fraudulent but still denied my claim, again using only boilerplate language and without reviewing evidence. 

During the third call ( XX/XX/2025 ), I gave my FTC number again, emphasized that I am the legal victim, and noted that I had contacted XXXX XXXX, who confirmed no account or Klarna order exists under my information. The agent acknowledged my notes, and my dispute is currently being processed. 

These repeated denials demonstrate that Klarna has failed to properly review my claim, as they did not allow me to submit my evidence, including my PDF of supporting documents, and made no effort to request or consider the FTC report, emails, call logs, or credit freeze confirmation. 

Evidence : Attached PDF contains XXXX screenshots in chronological order : XXXX email screenshots of fraudulent transactions XXXX email screenshots of fraud claims and denials XXXX SMS screenshots showing account creation XXXX credit freeze alert email screenshot XXXX screenshot of call logs contacting Klarna  and XXXX XXXX Transactions XX/XX/2025 - XXXX XXXX ( via Klarna ) - {$9400.00} - Unauthorized ; email screenshots attached XX/XX/2025 - XXXX XXXX ( via Klarna ) - {$6700.00} - Unauthorized ; email screenshots attached Clarification on Form Answers : Did you request information from the company? Yes contacted Klarna multiple times, provided FTC report. 

Did the company provide you the information? No Klarna did not remove charges, investigate properly, or allow submission of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX with advice from a friend of mine to repair the satellite radio keep turning on every time I start the car and can't turn it off neither lower the volume and can't receive calls or turn the gbs on and they took {$620.00} in cash and charged the credit card without my permission the amount of {$1100.00} and didn't do the repairs I had to send it to two shops XXXX XXXX XXXX  XXXX XXXX they charged me on XXXX XXXX XXXX {$290.00} diagnosis fee to figure out the problem and they told me the computer is not working properly and is gon na cost {$6500.00} to change and I said I can't afford it right now then my brother send me to a shop in XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they ordered for me off market computer for {$2400.00} And the repair was despite I emailed the invoices of what I paid to the shops macys american express are careless about refunding the unauthorized charge from the first shop ( XXXX XXXX XXXX XXXX XXXX  ) of {$1100.00} and today XX/XX/year> I spoke with their customer service her name is XXXX for over 2:30 hours and she told me that someone in her company claimed that I requested to close the dispute without my permission and she refused to give me the name of the employee and I opened a new dispute with her and they're very careless on taking action to resolve this problem

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 2025-12-28 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-12-28 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: LA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections XXXX, XXXX, and XXXX, as well as METRO 2 reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section XXXX. Additionally, Equifaxs XXXX  data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within XXXX ( XXXX ) days. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian responded to a prior CFPB complaint by stating that the furnisher indicated I may have been a victim of fraud. This response introduces new information and does not resolve the underlying issue. 

If Experian or its furnishers believe that the disputed accounts may be the result of fraud, then the accuracy and ownership of those accounts is uncertain and has not been verified. Under the Fair Credit Reporting Act, Experian may not continue to report derogatory information that is inaccurate, incomplete, or can not be verified with maximum possible accuracy ( 15 U.S.C. 1681e ( b ) and 1681i ). If the bureau can not verify these accounts without requiring me to prove fraud or submit identity theft documentation, then the information is not verifiable and must be deleted under the Fair Credit Reporting Act. 

Experian has not provided documentation establishing that these disputed accounts were opened by me, authorized by me, or accurately reported. Continuing to report derogatory and disputed accounts while acknowledging potential fraud constitutes a failure to conduct a reasonable reinvestigation. 

Because Experian has acknowledged uncertainty regarding the validity of these accounts, I am requesting deletion of all disputed and derogatory tradelines associated with this complaint rather than continued reporting, reinvestigation, or indefinite dispute status.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
Someone hacked my email and was able to gain access to my online banking and transferred all of my money from my XXXX accounts into a third-party bank account at XXXX XXXX XXXX that I do not own. Sofi bank refused to properly investigate even to just confirm that I do not own an account at XXXX XXXX XXXX and would not honor my claim that the transfer was fraudulent. 

On XX/XX/year>, while I was traveling in XXXX XXXX XXXX, Florida, someone logged into my email account and my bank account at Sofi Bank. They sent all of my emails from XXXX to spam so that I would not see the activity transpiring inside my bank account and added a XXXX XXXX XXXX account to my online banking external transfers accounts. They then transferred all the money from my savings accounts to my checking account and then used XXXX separate transfers in the amounts of {$9900.00} and {$3100.00} to transfer all of my funds into the external account at XXXX XXXX XXXX. Within hours, Sofi allowed an account that was not in my name, to be added to my online banking, did no verification, and allowed all of my money to be transferred out, again with no verification, and with no holding period. 

I reported the fraudulent transfers on XX/XX/year>, as soon as I discovered them, as they had tried to use my Sofi account to transfer an additional {$5000.00} from another of my accounts. I made multiple attempts to get Sofi to help me recover my funds and to prove that I did not own the other bank account and was repeatedly told they couldn't confirm it. I called their customer service line and conferenced in a representative from XXXX XXXX XXXX to confirm I did not own accounts there, and they still did nothing to reimburse me.

Company response to consumer: Closed with explanation