vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am filing a complaint regarding Santander XXXX XXXX incorrect delinquency reporting, mishandling of my voluntary repossession, and failure to provide accurate account information. Santander has provided conflicting and continuously changing past-due amounts, including most recently reporting my account as past due for {$2000.00} with {$1500.00} listed as past due. These amounts do not align with my payment schedule or the date the vehicle was surrendered. 

Timeline of Events XX/XX/XXXX 2025 : I contacted Santander and officially requested a voluntary surrender of my XXXX XXXX XXXX. 

XX/XX/XXXX 2025 : The assigned tow driver contacted me to arrange pick-up. 

XXXX XXXX, 2025 : The driver was unavailable due to a medical emergency. 

XX/XX/XXXX2025 at XXXXXX/XX/XXXX : The tow driver arrived and took possession of the vehicle. I have timestamped camera footage, photos, and call logs confirming this. 

My monthly payment is due on the XXXX of each month. When Santander took possession on XX/XX/XXXX, I was not XX/XX/XXXX days past due under any valid calculation. 

Problems With Santander Inaccurate delinquency reporting Santander repeatedly states I amXX/XX/XXXX days past due, yet provides no explanation of how that number was determined. Their own system shows changing and inconsistent amounts : Earlier it showed : {$1200.00} due / {$780.00} past due Later it increased to : {$2000.00} due / {$1500.00} past due These shifting balances indicate significant errors in their accounting. 

Charging me for payments AFTER repossession Santander is attempting to charge me for a payment allegedly due after the vehicle was already surrendered on XXXX. They have not provided any documentation to support this. 

Failure to provide requested information I repeatedly asked Santander ( including on XX/XX/XXXX ) for : A breakdown of how I was supposedly XX/XX/XXXX days late How past-due amounts doubled Why new charges appeared after surrender They refused to provide documentation or explanation and instead gave generic statements that did not answer the questions. 

Conflicting, misleading account information Screenshots of my account show different past-due totals at different times, including sudden increases without notice. This is misleading and appears to be inaccurate reporting. 

Notice of sale dated XX/XX/XXXX2025 I received a Notice of Intent to Sell dated after the vehicle was surrendered, yet Santander continues to bill me for unexplained amounts prior to the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 disputing the accuracy of the reported balance and the status of this account. The account is incorrectly reported as charged off with an outstanding balance of {$140.00}. I request verification of this debt along with a thorough review of the reporting to ensure compliance with the Fair Credit Reporting Act ( FCRA ) regulations. If this debt can not be properly verified, I request the removal of this account from my credit report. 

Inquiries XX/XX/XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXXXX/XX/XXXX Date of 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 2025-11-17 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>2024, I opened an Affirm loan for {$1200.00}. 
I only attempted to use {$670.00}, and the rest of the loan was not used. 

I tried using the loan for XXXX and XXXX, but Affirm only allowed XXXX, so I proceeded with XXXX. I later decided to cancel the booking. XXXX issued a full refund immediately, and confirmed that no funds were ever captured it was only an authorization hold, not a real charge. XXXX provided confirmation, and I have screenshots. 

Because the charge was never captured, no refund will ever show to Affirm, since it was not an actual transaction. 



Problem With Affirm Since XX/XX/XXXX, Affirm keeps telling me : We are waiting for the refund from the merchant. 
Once the refund shows, the loan will fall off. 
It should fall off by XX/XX/XXXX. 

Today is XX/XX/XXXX, and nothing has been fixed. 

Every time I call Affirm, they just : Ask repeated security questions Transfer me to a different department Make me explain the issue over and over Provide no actual resolution I even spoke to a supervisor, who said the case would be fixed within XX/XX/XXXX days. 
It was not fixed. 

I also emailed XX/XX/XXXXXX/XX/XXXX and received no response. 



Why This Is a Serious Issue The loan should not exist because the merchant never captured any funds. 
Affirm is refusing to close the loan unless they see a refund that will never appear, because XXXX never charged me. 
This error could affect my credit report or financial history if left active. 
I provided Affirm with the payment cXX/XX/XXXXe and all documentation, and they still say we can not see anything. 

Affirm is not resolving the issue, despite me contacting them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXXB of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-17 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
On XX/XX/XXXX, I receive a email from Citibank decreasing my credit limit, I called them, and the told me that I need to contact XX/XX/XXXX. The same day I contact the agency and the explained to me that all my account were paid as agree. Yesterday, XX/XX/XXXX I receive a letter regarding the reason of th bak decision. XXXX I call to dispute and the bank transfer to XX/XX/XXXX phone number. Is legal to decrease the credit limit even the bank gave me the opportunity to dispute?

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 2025-11-17 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:
Please check over this entryits late and could be mistaken.

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 2025-11-17 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: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: Klarna AB
State: SC

Complaint narrative:
I am filing a complaint against Klarna for repeatedly refusing to protect me as a customer in a clear case involving defective merchandise and fraudulent merchant behavior. 

I purchased XXXX customized T-shirts with my business logo on XXXX. The shirts were advertised as XXXX fabric, which should not be transparent. However, when I received them, every shirt was semi-transparent and unusablecompletely see-through. I have picture evidence, the original packaging, shipping label, and the invoice. 

When I attempted to return the items through XXXX, the merchant claimedfalselythat the shirts in my photos were not from them, even though the photos clearly show the custom logo they printed. XXXX closed my case on XXXX XXXX, 2025 without giving me any resolution. 

Because Klarna is the payment processor, I disputed the charge with Klarna as they advertise buyer protection. 



How Klarna Mishandled the Dispute XXXX. XX/XX/XXXX dispute : Klarna closed the case stating that I didnt submit photo evidence. 
I had already submitted it. 
They told me I needed to email it again to a different address. 
XXXX.XX/XX/XXXX dispute : I submitted all evidence exactly as they instructed. 
Klarna closed the case again, simply repeating XXXX claim that the shirts were not the ones I purchased. 
No investigation was done. Only the merchants statement was used. 
XX/XX/XXXX attempt via phone support : Klarnas phone representative acknowledged the issue and told me she reopened the case. 
She told me all I need to do is to return the package. 
XXXX. No return address was ever provided. 
My XXXX dispute dashboard showed nothing. No way to return it either through XXXX or Klarna. 
Klarna closed the case again, without notifying me or providing a return address. 
XXXX. When I called Klarna today ( XX/XX/year>2025 ), I was told : The merchant must provide the return address, not Klarna. 
Klarna stated that they do not handle disputes and are only a payment platform. They said their role is simply to pass the dispute to the merchant and let the merchant decide the outcome, and that Klarna does not handle the dispute themselves They told me to dispute directly with XXXXdespite XXXX already refusing to help. 

This is the opposite of consumer protection. Klarna processed the payment, yet refuses to protect customers from fraudulent merchants, while simultaneously closing disputes without requesting further documentation, not investigating, and not following through on their own representatives instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I have XXXX amounts of XXXX paid last year that is still showing under collections in my credit reports.These were pay day loans with XXXX different companies,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Shellpoint Mortgage Servicing denied my request for loss mitigation and reinstatement by relying on an automated valuation model ( XX/XX/XXXX ) that undervalued my home at {$700000.00}. This valuation was used to justify denial of assistance. 

However, a licensed appraisal conducted on XX/XX/XXXX by XXXX XXXX of XXXX XXXX XXXX valued my property at {$880000.00}, valid through XX/XX/XXXX. Shellpoint ignored this certified appraisal and instead used the lower XXXX. 

I submitted inquiries and documentation to Shellpoint, but they responded only with a generic acknowledgment email on XX/XX/XXXX, without addressing the substantive issues. I also filed a complaint with the California XXXX on [ insert date ], but have not received a response. 

Shellpoints reliance on an undervalued XXXX, refusal to acknowledge the licensed appraisal, and lack of substantive communication have obstructed my ability to resolve this matter in good faith. This has caused financial hardship and denied me a fair opportunity for relief. 

I am requesting regulatory review of Shellpoints servicing conduct, valuation practices, and communication failures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under 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 2025-11-17 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-17 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
[ Not mine / inaccurate balance / outdated/ unverifiable / incorrect dates/ identity theft / other ]

Company response to consumer: Closed with explanation