vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Since XX/XX/XXXX, I have repeatedly filed formal complaints through the Consumer Financial Protection Bureau ( CFPB ) to obtain assistance in ensuring my credit report reflects only accurate and verifiable information. Despite my consistent efforts and the ample time provided, as of today, XX/XX/XXXX, my credit report continues to display multiple inaccuracies. 

TransUnion, Equifax, and Experian have failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. 

I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MARINER FINANCE, LLC
State: MS

Complaint narrative:
i have request the XXXX c form from multiple companies on multiple occasions and i have never received the XXXX c but the accounts are constantly reporting as " co '' charge off ever month which is constantly affecting my credit score and causing me to be denied of opportunities in me and my family life XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This collection is reporting inaccurate personal information. 

I don't believe I owe this debt. 

I disputed, requested for prompt deletion but nothing was done. 

Every month the collection agency reports it as a new debt. 

Reporting inaccurate information. XXXX XXXX XXXX XXXXXXXX XXXX. 

I reported inaccurate information online, by mail, by calling all XXXX above and I keep getting the run around. 

Please help CFPB This is not my account. I have no knowledge of this account. 15 USC 1681b Requesting for prompt removal. Also, inaccurate information is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NV

Complaint narrative:
I am writing to address unauthorized accounts on my credit report that I believe are a result of my personal information being exposed in a national data breach. After reviewing my credit report, Ive identified several unfamiliar accounts. Ive already requested debt validation from the Credit Reporting Agencies, but have not received a response. 

I have submitted an FTC complaint regarding the identity theft and attached the following : Copy of my FTC complaint. 

National Data Breach report confirming my information was exposed. 

Debt validation letter I sent to the CRAs. 

As per the Fair Credit Reporting Act, I request that these accounts be investigated and removed until proper validation is provided. I also request a credit freeze or fraud alert to prevent further issues. 

Please respond within 30 days, as required by law. 

Thank you for your prompt attention to 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 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Credit breach/data breach Debt charge off Debt collector Debt collector threats of law suits Debt collector continuing to call No verifying of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Klarna AB
State: CA

Complaint narrative:
I used Klarna to pay for a monthly program with a company called XXXX XXXX. The total was {$600.00}, and I paid the first installment of {$150.00} through Klarna. 

However, the merchant ( XXXX XXXX ) terminated the service shortly after payment and did not deliver what was promised. I did not receive the service, yet Klarna continues to charge me and has refused to stop the payment plan, even after I submitted proof that the service was never provided. 

I contacted both Klarna and the merchant. I clearly explained the situation and showed evidence that the service was canceled. Despite this, Klarna ruled against me and is still demanding payment. 

I am a long-time Klarna customer and have never had an issue like this. I believe I am being charged unfairly for a service I never received and would like Klarna to cancel this payment plan and stop all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
b'I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment under FCRA Dear TransUnion I am writing to formally dispute inaccurate information on my credit report as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). 

I have enclosed a copy of my identification and credit report. 

The item in question is a reported late payment on the following account : Creditor Name : XXXX XXXX Finance Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I believe this information is inaccurate and unverifiable, because I have made all my payments on time and have never received any proper notice of the due date nor late payments. 

Under the FCRA, you are required to investigate my claim and remove or correct any inaccurate or unverifiable information within 30 days. I request that those late payments be removed from my credit file immediately unless your investigation can verify its accuracy with documentation from the original creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: NH

Complaint narrative:
I have a self financial credit card that has been inactive for months now and there was a charge by XXXX that kept trying to go through which they kept denying it and then one day they let it go through and it was without my permission and I told them that someone else has my card because while I was trying to resolve this matter it said that I changed my phone number and that my number isn't under my account anymore and I have never changed it. Also I have tried to update my information with them to also no avail. They have also charged me a late payment because I didn't want to pay for charges I didn't make. They also said they called me which they did not and this is how I knew someone had changed the number on the account. This is fraud in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CA

Complaint narrative:
I am a victim of identity Theft, I have attached a FTC ID Theft report, the following account should be removed off my credit report immediately. 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
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
I had a phone from XXXX company I owed @ thr time around {$600.00}. The company was brought from XXXX went to XXXX to get the account number.XXXX  XXXX had no record or accounts for that amount .. so I called Jefferson Capital again .at that time it reporting that the account is open at the time I got my credit score up to XXXX and because of this .. it's reporting I'm late to an account that doesn't excite ... I NEED ANSWERS, this had been going on now for more than 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I applied for XXXX XXXX mastercard to utilize the balance transfer offer. 

XX/XX/year> - Approved for the card XX/XX/year>- Received the reminder email that my balance transferoffer must post to my account XX/XX/XXXX. 

I never saw the offer. I called customer service and they said a manager would call. 

XX/XX/year>. A manager called me back - XXXX XXXX I explainedthe situation. I was asked to send a screenshot of the email. 

XX/XX/year> - I sent the email ATTN : XXXX XXXX - to XXXX I have not receivedany responseto that email and I still do not see the balance transferoffer. 

XX/XX/year> I sent them a chat message and filing this 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 monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I went to XXXX XXXX in XX/XX/XXXX and drove off the lot with a XXXX XXXX XXXX. I was asked to bring the car back after the new year. I returned the car, a day later I received a call stating that I would be able to come back and get the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

Complaint narrative:
Pursuant to XXXX XXXX XXXX, I Owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX company has No permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX XXXX XXXX ( Charge Off ), XX/XX/XXXX. XXXX XXXX 

XXXX XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX ( Bank ), hard inquiry XX/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 2025-05-04 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: MA

Complaint narrative:
Pursuant to XXXX XXXX XXXX, I Owe no debt. This company is violating my consumer right to privacy pursuant to XXXX XXXX XXXX XXXX company has No permission to report ANYTHING using my info pursuant to XXXX XXXX XXXX XXXX XXXX ( Charge Off ), XX/XX/XXXX. XXXX XXXX 

XXXX XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX XXXX ( XXXX ), hard inquiry XX/XX/XXXX. 

XXXX ( Bank ), hard inquiry XX/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 explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Southern Fidelity Mortgage Group of Huntsville
State: AL

Complaint narrative:
I am writing to formally report a concern regarding the conduct and professionalism of XXXX XXXX, with XXXX XXXX Mortgage, who has been serving as my mortgage broker. 

In recent communications, XXXX XXXX made it clear that my file was not considered a priority and stated that rescore situations are expensive for us on the front end Because of this, they are not a priority and can take time. This statement was deeply troubling, especially given the financial and emotional significance of the home buying process. 

Despite my timely submission of documentation and repeated follow-up, I received delayed responses and inconsistent information. For example, I was told by my realtor that only one specific collection account was holding back progress. Based on this, I paid off the debt promptly and sent the documentation the following Monday. Days later, XXXX XXXX acknowledged receipt but claimed there were other issuesissues that were never communicated to me earlier, even after I directly asked for clarification. 

This lack of transparency, responsiveness, and prioritization significantly impacted my ability to make informed financial decisions. Being told that I was not a priority, despite doing everything asked of me in a timely manner, is not only unprofessional but unacceptable for someone in such a critical role. 

I have attached screenshots of our conversation as evidence of this correspondence. 

I respectfully request that this matter be reviewed. I am seeking accountability and assurance that other clients are not subjected to this kind of experience in the future. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX, I have repeatedly filed formal complaints through the Consumer Financial Protection Bureau ( CFPB ) to obtain assistance in ensuring my credit report reflects only accurate and verifiable information. Despite my consistent efforts and the ample time provided, as of today, XX/XX/XXXX, my credit report continues to display multiple inaccuracies. 

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by neglecting to conduct thorough investigations and failing to correct or remove the disputed information, as required by law. 

I am providing this final notice that if these inaccuracies are not IMMEDIATELY corrected in full compliance with the FCRA, I will have no choice but to pursue legal action to seek monetary damages for each violation, including statutory, punitive, and actual damages, as prescribed under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MO

Complaint narrative:
I am filing a formal complaint against XXXX XXXXXXXX XXXX for reporting inaccurate information to the credit bureaus. They are reporting a closed account with a {$700.00} balance and four late payments under my name. I have never had any account with XXXX XXXXXXXX XXXX and do not owe them any money. 

I have contacted them by phone multiple times, but their representatives have been rude, unprofessional, and unwilling to help. I requested verification and documentation of the account, but they refused to provide anything and would not escalate the issue. 

Despite disputing this with all three major credit bureaus ( Experian, Equifax, and TransUnion ), the inaccurate account remains on my credit report and is causing significant harm to my credit standing. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit information to investigate disputes and report only accurate, verifiable information. XXXX XXXXXXXX XXXX has failed to do so and is acting in bad faith. 

I am demanding the following : Immediate removal of the fraudulent/incorrect account and late payments from my credit reports. 
Confirmation from XXXX XXXXXXXX XXXX  that they have ceased reporting this inaccurate data. 
That the CFPB investigate XXXX XXXXXXXX XXXX policies and practices in handling disputes. 

If this matter is not resolved, I will explore all legal options available, including suing both XXXX XXXXXXXX XXXX and the credit bureaus for FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this supplemental complaint regarding a disputed Wells Fargo auto loan repossession and related credit reporting issues. The following new facts support my request for further investigation : The vehicle was not located in an open parking lot as claimed by Wells Fargo. It was parked in a secured, enclosed garage requiring a key fob for entry. This renders the repossession unlawful due to breach of peace under UCC 9-609 and Texas law XXXX 
The 'Notice of Intent to Sell ' was dated XX/XX/XXXX, XXXX the vehicle had already been repossessed on XX/XX/XXXX. This timing violates Texas Business & Commerce Code 9.611 ( b ), which requires notice before disposition. 
A deficiency balance of {$27000.00} was applied on XX/XX/XXXX, yet the vehicle sale reportedly occurred on XX/XX/XXXX. This inconsistency raises concerns about the accuracy and legality of Wells Fargos accounting. 
No supporting sale documentation ( e.g., buyer details, invoice, or proof of sale amount ) has been provided, despite requests. 
The GAP refund of {$500.00} is undocumented. No copy of the GAP agreement or refund calculation was provided.

Photos of the garage and enclosures were sent showing the garage was secured, contradicting the claim that it was freely accessible. 

I respectfully request the CFPB to compel Wells Fargo to provide all supporting documentation for the repossession and revise or remove the tradeline from my credit report in light of the procedural and legal inconsistencies outlined above. 

Respectfully submitted,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
I called them and ask why was the unexpected charges made on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation