vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
My Synchrony Bank Guitar Center ( XXXX XXXX XXXX account was closed on XX/XX/XXXX. In XXXX of XXXX, there was a balance of {$XXXX} still owed, inexplicably. Upon discovering this, I immediately paid the {$XXXX} " past due '' amount. Since that time, when I check my XXXX XXXX credit report, I have a negative account status, XXXX  days late with a XXXX balance. On XXXX ( report date XX/XX/XXXX ) It shows " NOT_MORE_THAN_FOUR_PAYMENT ( sic ) _PAST_DUE 1. How did I owe {$XXXX} on a closed account due to XXXX?

2. Why does/do my credit report ( s ) still reflect XXXX  days late?

3. Why does this closed account have a credit limit of {$XXXX}?

4. Why is this incorrect information still being reported to credit bureaus?

5. Why is it that each time I try to resolve this with Synchrony Bank : a ) They say, " this is nothing we are doing, you must check with XXXX XXXX, etc. '' b ) they put a note saying, " Cancelled by credit grantor '' which automatically deducts around XXXX points from my XXXX XXXX. This happens despite them telling me they will put a note that says, " cancelled at customer request '' which makes my score go back up.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I made a payment of {$590.00} on XX/XX/year>, but it was returned because I sold my vehicle on XX/XX/year>. The full balance of {$20000.00} was paid off shortly after. Toyota Financial Services is stating that they did not receive the final payoff check until XX/XX/year>, and as a result, they are marking me as 30 days late on my credit report and have not reported that the Vehichle is paid in full when they already have received payment amount in full. 

However, this is inaccurate because : 1. I no longer had possession of the vehicle after XX/XX/year>. 
XXXX. The delay in processing the final payment was on Toyotas end, not mine.

3. I acted in good faith to ensure my loan was paid off in full.

Despite contacting Toyota Financial Services, they refuse to remove the incorrect late payment. This has negatively impacted my credit score, and I am requesting that the CFPB investigate and have Toyota correct the reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: CA

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: VA

Complaint narrative:
Subject : Formal Complaint Against Klarna Failure to Issue Refund To Whom It May Concern, I am filing a formal complaint against Klarna for its failure to properly issue a refund for a canceled XXXX XXXX order. Despite multiple disputes and extensive communication, Klarna has mishandled my refund for over 80 days, resulting in financial loss and unnecessary stress. 

Complaint Details : Order & Refund : On XX/XX/XXXX, I placed a XXXX XXXX order totaling {$390.00}, paid via Klarna. The order was canceled on XX/XX/XXXX, and XXXX XXXX confirmed that they issued a full refund to Klarna the same day. 

Klarnas Mishandling : Klarna incorrectly applied the refund to a different order and later falsely claimed to have received only {$31.00} from XXXX XXXX. The remainder of the refund ( {$350.00} ) was never properly credited to my Klarna account or refunded to me. 

Failed Refund Attempts : Klarna claims to have attempted three separate refunds to my debit card, but none were received. Additionally, Klarna stated that a refund check was mailed on XX/XX/XXXX, and again on XX/XX/XXXX, XXXXneither check arrived. 

Unresolved Disputes : I have contacted Klarna XXXX times ( XXXX via chat, XXXX by phone ), filed five disputes, and provided bank statements proving I never received the refund. Klarnas representatives have given conflicting information and failed to properly process my dispute.

Forced Payment Under Threat : On XX/XX/XXXX, Klarna forced me to make an additional {$87.00} payment, threatening to report the account as late, even though an active dispute was open regarding the missing refund. 

Violation of Klarnas Terms & Consumer Protection Rights : The Klarna Pay in 4 Agreement clearly mandates that any credit received from the merchant must be applied to the outstanding balance, with any excess refunded to the original payment method ( Klarna Pay in 4 Agreement, Returns and Refunds provisions ). 

Furthermore, the Klarna User Terms ( v7.0.1, published XX/XX/XXXX ) require that transactions and disputes be handled promptly and accurately. The prolonged delay and mismanagement of my refundnow exceeding 80 daysare unacceptable and are solely attributable to Klarnas internal errors and inadequate customer service ( Klarna User Terms, v7.0.1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have a linked bank account between Cash app and XXXX XXXX. I was given refunds from merchants to my Cash app card that intern was linked to my XXXX XXXX  and Cash app has to credit the account where the debit came from in this case XXXX and they have failed to do so on several occasions to the tune of about {$1000.00}. I have contacted XXXX XXXX  and they have assured me that they do not have my money that cash app has never sent an electronic funds transfer or any credit to them for over XXXX different transactions. I have as well contacted Cash App on several occasions asking for proof that they made these electronic fun transfers as they state they have within the five days that they receive them and they will not provide any receipt to me. They say that is a service they do not offer. They have the transaction refund credit where it was paid to on what day it was paid on supposedly and an ID number associated to it, but Im told by XXXX  XXXX  that is strictly a number for their records and it is nothing that they can track to locate all of these missing transactions or credit refunds rather. XXXX  XXXX  says that cash app is a third-party and these are not transactions rather credits so theres nothing I can appeal cash app tells me if I have nothing to add to the conversation. Then complaint has been solved as they will not to anymore for me and now they will only speak to my bank and not me. I have filed complaints with the XXXX with cash app and with XXXX. I have gotten in a few of my refunds sporadically and they seem to mostly be 2 to 3 months after Cash App says that they sent them. How is it that they can hold my money from me for this long and tally it out as they see fit when they see fit, and can not provide me with any proof that they have made these transfer credits into my account as a state. There has to be some kind of reconciliation accountability. They can not just steal peoples money. I have it online XXXX, etc. and I have seen thousands and thousands of complaints regarding Cash App and their business antics and I hate to say this, but this is absurd how they are still able to treat customers this way and get away with stealing peoples hard earned money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Subject : Notice of Dispute and Request for Compliance under 15 U.S. Code 1691 I am writing to formally dispute [ describe the issue, such as an unjustified denial of credit, discriminatory lending practices, or another violation under the Equal Credit Opportunity Act ( ECOA ) ]. Under 15 U.S. Code 1691, I have the right to receive a clear explanation for any adverse action taken against me regarding credit decisions. 
Account numbers : XXXX On XX/XX/XXXX, and on XX/XX/XXXX I applied for credit card, XXXX XXXXXXXX and I was [ denied, subjected to unfair terms, etc. However, I did not receive a legally required written statement explaining the reasons for this decision, as mandated by the ECOA.

I request that you immediately provide the following : 1. A detailed written explanation for the adverse action taken against me.

2. Any documentation or records used to make the decision.

3. Proof that your decision complies with ECOA regulations and was not influenced by any prohibited discriminatory factors.

Failure to provide a timely response may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil liability as allowed under 1691e of the ECOA.

I expect a response within [ reasonable timeframe, e.g., 30 days ] from the date of this letter. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Subject : Notice of Dispute and Request for Compliance under 15 U.S. Code 1691 I am writing to formally dispute [ describe the issue, such as an unjustified denial of credit, discriminatory lending practices, or another violation under the Equal Credit Opportunity Act ( ECOA ) ]. Under 15 U.S. Code 1691, I have the right to receive a clear explanation for any adverse action taken against me regarding credit decisions. 
Account numbers : XXXX On XX/XX/XXXX, and on XX/XX/XXXX I applied for credit card, XXXX XXXXXXXX and I was [ denied, subjected to unfair terms, etc. However, I did not receive a legally required written statement explaining the reasons for this decision, as mandated by the ECOA.

I request that you immediately provide the following : 1. A detailed written explanation for the adverse action taken against me.

2. Any documentation or records used to make the decision.

3. Proof that your decision complies with ECOA regulations and was not influenced by any prohibited discriminatory factors.

Failure to provide a timely response may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil liability as allowed under 1691e of the ECOA.

I expect a response within [ reasonable timeframe, e.g., 30 days ] from the date of this letter. Please send all correspondence to the address listed above. 

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 non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The presence of incorrect information on my credit report is unacceptable and needs to be corrected immediately. These errors should have never been reported in the first place, and the fact that they exist raises serious concerns about the reliability of this reporting system. This negligence has directly impacted my financial stability, and I refuse to allow it to continue. 

As a consumer, I am legally entitled to a credit report that is free of inaccurate or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be correct, and any errors must be rectified immediately. I expect a full investigation into these inaccuracies and immediate corrective action. Delays are not acceptable. 

XXXX XXXX  - XXXX - {$4400.00} XXXX XXXX XXXX XXXX XXXX - {$590.00}

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 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have 2 accounts with synchrony bank. I have the same email set to both of them. Each month they claim that my statement preference is changed from paperless to paper statements systematically because the email does not make it to my inbox. They charge a paper statement fee that I have no interest in paying, which is why I choose paperless. They also charge interest on top of that. I have had to call each month to figure out why the change happens. I also receive no communication about the delivery failure nor the change from paperless to paper. Each time all they do is refund my fee and turn paperless back on. However that solution has not worked for the past 6 months and they refuse to help me in any other way. Today all they told me was to try to make the preference change on their website rather than with a phone rep. I assure you next month I will have this problem again. So the first problem is they are charging me fees for a preference I did not select, they are changing the preference without notifying me, they are charging me interest on the fees, and they refuse to help me find a permanent solution.

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 2025-02-21 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: IN

Complaint narrative:
I have identified serious billing errors under XXXX XXXX XXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-02-21 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: LA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company 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