vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: KEYCORP
State: OH

Complaint narrative:
Paid balance Account closed as Paid, Closed Verbal agreement to remove late payments upon payment Inaccurate continued negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
My account was closed over a year ago due to gambling with no proof. I don't gamble and I was not allowed to appeal or even see what I've been accused of. My child 's account was also closed. This is a possible slander as gambling goes against my beliefs. As a former employee, I feel that this is retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed 1666 copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
What Happened? 
I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for COVID-19. These late payments were recorded for the account [ XXXX  XXXX Acount Number : XXXX ] on the dates [ XX/XX/XXXX, XX/XX/XXXX ]. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor [ Name of Creditor ] reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted [ Experian ] and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: GA

Complaint narrative:
Klarna issued a final payment notice extending my payment deadline to XX/XX/XXXX. Action was taken on my end on XX/XX/XXXX, as reflected in Klarnas own mandate authorization confirming payment setup prior to the deadline. The payment then posted and cleared on XX/XX/XXXX, in accordance with standard bank processing. 

Despite the account being cured within the timeframe Klarna provided, Klarna reported the account as delinquent and transferred it to collections on XX/XX/XXXX, the same day the payment posted. Reporting delinquency on the cure deadline and initiating collection activity under these circumstances is inaccurate and improper. 

Klarna customer service now refuses to address the matter, stating the account is with collections, despite Klarna remaining the furnisher of the information and responsible for correcting inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car was illegally repossessed. 
By the dealer XXXX XXXX XXXX and the finance company WESTLAKE FINANCIAL told me that the dealer committed fraud. The finance company and I were in good standing. I paid them on time. They will not give me my money back or my car. They tell me I have to talk to this dealer. They won't tell me what they found out in their fraud report against the dealer. Because the dealer took the car didn't give me no. Repossession paperwork. I didn't even have notice of them coming to repair. Possess my car the dealer repossessed my car for {$200.00}. But he told the finance company that it was a title issue with the DMV. Nobody wants to give me my car or any of my money which is over {$5000.00}.

Now i'm being blackmailed and extorted to write a letter, calling myself a liar because I made complaint with the better business bureau.Now i'm being blackmailed, I feel like i've been mistreated and robbed.I have all the paperwork you need to so improve.I made all my payments and there was a transaction made against my card without my permission.Illegally .. WESTLAKE FINANCIAL SAID DEALER SHOULDVE NEVER GAVE ME THE CAR.... WESTLAKE FINANCIAL SAID CARS THEIR PROPERTY BUT WONT GET IT FROM XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple derogatory accounts and hard inquiries are reporting across my credit files that appear inaccurate, duplicated, or improperly verified. Several collection accounts are reported by the same debt buyers for obligations that appear to originate from the same creditors, with inconsistent balances and reporting dates. Some accounts appear to be re-aged or reported without clear documentation supporting ownership or the correct date of first delinquency. 

Additionally, recent data breaches involving financial institutions and third-party data processors exposed consumer personal information, increasing the risk of unauthorized activity and inaccurate credit reporting. Due to these breaches, I can not confirm that all reported accounts were opened, authorized, or reported accurately. 

Despite submitting disputes, several items remain on my credit reports without proper validation. I am requesting a formal investigation, verification of all disputed items, and correction or deletion of any information that can not be fully verified as accurate and lawfully reported.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Multiple derogatory accounts and hard inquiries are reporting across my credit files that appear inaccurate, duplicated, or improperly verified. Several collection accounts are reported by the same debt buyers for obligations that appear to originate from the same creditors, with inconsistent balances and reporting dates. Some accounts appear to be re-aged or reported without clear documentation supporting ownership or the correct date of first delinquency. 

Additionally, recent data breaches involving financial institutions and third-party data processors exposed consumer personal information, increasing the risk of unauthorized activity and inaccurate credit reporting. Due to these breaches, I can not confirm that all reported accounts were opened, authorized, or reported accurately. 

Despite submitting disputes, several items remain on my credit reports without proper validation. I am requesting a formal investigation, verification of all disputed items, and correction or deletion of any information that can not be fully verified as accurate and lawfully reported.

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 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: AL

Complaint narrative:
THIS IS NOT A DUPLICATE * This involves identity theft and fraudulent activity. I previously requested all records, and on XX/XX/XXXX I issued formal Litigation Hold / Preservation of Records Notices to the company and other involved entities, requesting preservation of all records from XXXX to present. This includes transaction records, communications, internal notes, logs, and any records related to account activity and decisions. 

This complaint is supplemental to CFPB complaint # XXXX, # XXXX, and # XXXX. The litigation hold was issued to ensure that records relevant to the identity theft and account handling are preserved and not deleted or altered. 

I am requesting that the company confirm preservation of records and ensure proper review of the identity theftrelated activity and account actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
b'I am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX Any other name variation  must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file isXXXX XXXX XXXX Michigan XXXXXXXX   Any other addressesincluding but not\nlimited to: XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX  Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for This Dispute: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alorica Inc.
State: MA

Complaint narrative:
I had an account with XXXX beginning XX/XX/XXXX and XXXX was automatically receiving payments every month from my checking account. I never missed a payment. Apparently XXXX sold their debt to SST sometime in XXXX but I did not receive information about this. In fact, I had spoke to XXXX reps a few times because there was trouble on their end with my account, but nothing was mentioned to me about switching to SST. 

I then received a phone call from an SST representative in XXXX of XXXX who informed me that XXXX sold their debt. I had no idea. They then told me that I was about to be behind in payment. I explained that I didn't know about the transition and they informed me that if I paid what was due for XXXX that day, they would make sure I didn't receive any credit reports saying that I missed payments. I paid the {$1000.00} in XXXX and I paid the remainder of the account in full in XXXX totaling {$5900.00}. This amount included fees which I did not know that I incurred and was not informed about. When I checked my credit report, it says that I submitted a late payment in XXXX and XXXX of XXXX, as well as XXXX and XXXX of XXXX. This is not true, once I learned that XXXX sold their debt to SST, I paid what was due on the same day I spoke to the SST rep, and literally one month later I paid the balance in full. The representative confirmed multiple times that no negative reporting would take place since I did not know about the transition, and that if there was negative reporting before talking to her that day, she would ensure the company removed it.

When I saw that I have 4 late payments from SST on my account, I called them and the refused to acknowledge what the representative assured me of. I submitted disputes through XXXX XXXX XXXX but they refused honor what that they would not report anything negatively. I have a recording of the phone call in XXXX, as well as receipts of my payment to them. I should not have any missed payment from SST on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MA

Complaint narrative:
How can XXXX different accounts have same account number I will just file a civil suit if this matter isnt resolved now I have requested information and no real action has been taken

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint regarding repeated inaccuracies and misreporting on my personal information and financial accounts in violation of the Fair Credit Reporting Act. My name has been inconsistently reported across multiple accounts and public records, including variations such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX XXXX XXXX, which constitutes a failure to maintain accurate information as required under FCRA 607 ( b ). My addresses have also been inaccurately listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Additionally, my public records, including XXXX  XXXX Bankruptcy XXXX filed on XX/XX/XXXX in XXXX  Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, report an exempt amount of {$0.00} and a balance owed of {$0.00}, yet my financial accounts continue to show inaccurate reporting. Numerous creditors have reported inconsistently, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXo, Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with reporting dates ranging from XX/XX/XXXX through XX/XX/XXXX. 
This inaccurate reporting constitutes a failure by furnishers to report correct information, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and the consumer reporting agencies have failed to conduct proper reinvestigation under FCRA 611. These repeated inaccuracies have caused ongoing confusion and potential harm to my credit standing, as well as a lack of clarity regarding my financial obligations and account statuses. I request the CFPB to investigate these discrepancies, ensure my personal identifying information and financial records are corrected across all reporting agencies and creditors, and prevent future misreporting.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. Account name : fair collections and outsourcing. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. Account name : first point collection resolution. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed 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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
On XX/XX/year> i was approached by XXXX young men ( ages XXXX & XXXX ) in the XXXX parking lot @ XXXX XXXX XXXX in XXXX, CO they claimed to be raising money for their basketball team for a XXXX madness tournament. I told them i would donate {$5.00} and the older XXXX ( XXXX ) took a payment through his phone, cash app, i immediately checked my card and he had charged me {$1000.00} instead of {$5.00}. 
I called my bank ( XXXX XXXX XXXX ) and they said there was nothing they could do as the charge was only pending. The following day the charge went through and i am now out of {$1000.00}. 
The cash app user is national XXXX out of XXXX Tennessee. Their address is XXXX XXXX XXXX. 
I went on cash app website and found the transaction and noted i was NOT satisfied with it. 
Cash app simply kept repeating i need to deal with my financial institution and there is nothing they can do. 
With further research into the scam this same thing has been going on nationwide for over a month. Same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My loan terms changed after I spent XXXX dollars on an appraisal because my paperwork that I uploaded when I completed my application said condominium instead of townhome. I also never received a copy of the appraisal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Additionally, as per The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I kindly request you to provide me with the names and business addresses of each individual with whom you verified the aforementioned items, so that I can follow up.

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Additionally, as per The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I kindly request you to provide me with the names and business addresses of each individual with whom you verified the aforementioned items, so that I can follow up.

Once you have completed your investigation and made the necessary corrections, please send me an updated credit report. SEE ATTACHMENTS

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