vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: DE

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: DE

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: SD

Complaint narrative:
I am writing to formally complain about the service and lack of assistance I have received from Klarna regarding the application of payments made through XXXX to my account. 

Despite making two payments to XXXX on XX/XX/XXXX and XX/XX/XXXX, my account status with Klarna has not been updated to reflect these payments. When I have contacted Klarna for help, I have been repeatedly given inconsistent information and have not received any real assistance. Klarna representatives continue to provide me with run around responses instead of resolving my issue, which has caused significant frustration. 

I have also been informed by Klarna that it can take 90 days or more for payments processed by XXXX to be posted and reflected on my account. However, XXXX has claimed that payments are typically reported to Klarna within 20 days. This contradictory information has left me in limbo, with no clear guidance and an account that does not accurately reflect my payments. 

I demand the following actions : Immediate application and posting of my payments made through XXXX on XX/XX/XXXX and XX/XX/XXXX to my Klarna account. 

Full restoration of my account status to reflect all payments and removal of any related negative impact or reporting. 

Written confirmation that my account has been updated and that my payments have been properly processed. 

Your continued lack of clear information and resolution is unacceptable. I expect prompt and decisive action to fully restore my account and resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Hello I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name of the original creditor. 

The amount of the alleged debt. 

A copy of the original contract or agreement. 

Proof that you are authorized to collect this debt. 

A detailed accounting of how the amount was calculated. 

Any judgments or legal actions taken regarding this debt. 

Until this information is provided, I request that all collection activities cease. This includes reporting to credit bureaus, phone calls, and written correspondence. 

Please note that any attempt to collect this debt without proper validation may be considered a violation of the FDCPA.

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 2025-09-21 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXXXXXX  XXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-21 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: MI

Complaint narrative:
According to the information that is currently being reported on my credit report this account was opened XX/XX/XXXX and closed XX/XX/XXXX and the loan amount/balance is {$18000.00} this account was opened without my consent and is a fraudulent account. After further investigation on my part I found out that this account was opened using my personal information with a fraudulent address the number portion is XXXX which I have never lived at and filed an identity theft report with the Federal Trade Commision ( FTC ) which was recommended by the local authorities. I also notified the credit bureaus of the fraud. XXXX XXXX was given a copy of the report ( which they requested ) and yet this company has not taken the proper action. They said the account has been reported accurately ; however, my personal identity ( name, social security, birthdate ) was used to open this account is the ONLY thing that is accurate. The fact that this account exists doesn't mean its accurate it is a fraud account, and this is Unjust Enrichment. My credit is suffering as well as I could be at risk of being sued which is unfair and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MI

Complaint narrative:
According to the information that is currently being reported on my credit report this account was opened XX/XX/XXXX and closed XX/XX/XXXX and the loan amount/balance is {$18000.00} this account was opened without my consent and is a fraudulent account. After further investigation on my part I found out that this account was opened using my personal information with a fraudulent address the number portion is XXXX which I have never lived at and filed an identity theft report with the Federal Trade Commision ( FTC ) which was recommended by the local authorities. I also notified the credit bureaus of the fraud. Consumer Portfolio was given a copy of the report ( which they requested ) and yet this company has not taken the proper action. They said the account has been reported accurately ; however, my personal identity ( name, social security, birthdate ) was used to open this account is the ONLY thing that is accurate. The fact that this account exists doesn't mean its accurate it is a fraud account, and this is Unjust Enrichment. My credit is suffering as well as I could be at risk of being sued which is unfair and unjust.

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 2025-09-21 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, XXXX on XX/XX/XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-21 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: NJ

Complaint narrative:
" XXXX XXXX XXXX account is reported with serious inconsistencies across the XXXX credit bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ). For example, TransUnion and Experian report a high balance of {$12.00}, while Equifax reports {$200.00}. TransUnion lists the opening date as XX/XX/XXXX, while Experian and Equifax show XX/XX/XXXX. TransUnion reports the account closed on XX/XX/XXXX, while Equifax shows activity until XX/XX/XXXX. Payment history also conflicts : TransUnion reflects XXXX, XXXX, and XXXX late payments, while Experian shows all months as 'OK ' and Equifax reports the account as current. Under FCRA XXXX, furnishers must report information that is accurate and not misleading, and under FCRA 1681i , credit reporting agencies must correct or delete information that can not be verified. These inconsistencies are materially misleading and must be corrected or removed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: Chime Financial Inc
State: TX

Complaint narrative:
This is with my chime debit card. I received multiple texts from chime stating the suspect a fraudulent charge on my card and asked if it was me. I responded back every time it was not a chair made. Then on XXXX they still chat my car in the amount of XXXX from XXXXXXXX XXXX. I opened several disputes and called multiple times and provided supporting documentation and they still denied my dispute. I did not make the charge and want my funds refunded. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence CREDENCE RM Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the a
mount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MO

Complaint narrative:
am filing this complaint against Experian for inaccurate and misleading reporting on my credit file. 

The account in question is an auto loan opened on XX/XX/XXXX and marked as charged off in XX/XX/XXXX. However, Experian continues to report this account incorrectly in several ways : 1. Contradictory Status Reporting The account shows as charged off with {$7200.00} written off, yet it simultaneously reports a past-due balance of {$8700.00} as of XX/XX/XXXX. An account can not be both charged off and still accruing new past-due amounts. 
2. Improper Ongoing Delinquency Reporting Even after the charge-off date ( XX/XX/XXXX ), Experian continues to update the account monthly with new late payments ( XX/XX/XXXX through XX/XX/XXXX ). This is misleading and constitutes re-aging of the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
3. Balance Reporting Errors The reported balances are inconsistent and inflated. With {$7200.00} charged off, the continued listing of an {$8700.00} past-due balance is inaccurate and unfairly damaging my credit. 

These inaccuracies violate the FCRA requirement that credit reporting agencies must ensure the maximum possible accuracy of consumer reports. 

Requested Resolution : Remove all ongoing delinquency reporting after the XX/XX/XXXX charge-off date. 
Correct the balance reporting to reflect the actual charge-off amount without inflated or conflicting figures. 
If Experian and the furnisher can not verify the account accurately, I request that the account be removed entirely from my credit file. 

I have already disputed this information directly with Experian, and it remains incorrect. I am now requesting CFPBs assistance to hold them accountable and ensure compliance with 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 explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
These uneducated, nasty, inbred trash of a mortgage co. have AGAIN screwed up my loan. They should be put out of business. 
They do nothing except harass, discriminate, figure out math improperly, lie to cover themselves when there's any complaints. They are XXXX. 
My loan is currently on a " Loan Modification Trial Period Plan '' of {$1700.00} per month. 
Yet when I log in to my account it's nothing but a disaster. 
The amount due is listed as {$2000.00}. This is the normal amount, not the Loan Modification Trial Period amount. 
There is no way to change this when making a payment. 
Doing the Live Chat is a JOKE, these idiots tell me to call. Well I've told them for 5 years that I am XXXX. I don't make calls. 
They discriminate, lie, harass, and are just plain XXXX XXXXuman beings. 
See attached. I can't change the amount due. 
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 2025-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: SLM CORPORATION
State: NY

Complaint narrative:
XXXXI got loads that I never requested, some supposedly I wasnt even the person to cash, the school dont even let you take that much out'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I owed a debt from a pge bill, the amount of XXXX and they charged me twice and won't refund the other half.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NY

Complaint narrative:
I made a XXXX XXXX account with username XXXX. I had connected my XXXX XXXX account to my XXXX account. 

When my XXXX account got limited, I disconnected my XXXX XXXX account from my XXXX. 

I was then forced to make a new account and I was unable to regain my original name. This is a technical error. Please help regain my original username. Customer service keeps giving me copy and paste answers and customer service over the phone are clueless.

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