vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
in XX/XX/year>, I was purchasing a new laptop computer and when i let it charge overnight, I started to download my personal items, then somehow my new laptop go hacked -- -someone pretending to be a XXXX support service got into my new laptop and sent me through a wild goose chase on saying my laptop was with bad Wi-Fi and internet service. 

Most of what happened during the week of XX/XX/year>, I was threatened by the hacker ( s ) this included someone who pretended to be from Federal Trade Commission. Told me to give them money in the form of gift cards from different retailors ( XXXX XXXX ( was purchased at XXXX ) and XXXX XXXX ( was purchased at XXXX XXXX Location ) They had me set up some sort of app for my phone to track my whereabouts on purchasing, plus they told me not to hangup. 

The first place i went to was XXXX to purchase a {$500.00} XXXX Gift Card ( I kept receipts of everything ) then the next place I went to be a XXXX XXXX  and purchased 4 different XXXX XXXX gift cards in the amount of {$1000.00} each ( 4 different cards ) After everything that happened, I put in a request to my local police department for a police report which I have. I did contact my bank CAPITAL ONE 360 online Banking, told them what happened and I asked why my fraud alerts were not alerted or anything, no answer. So, they told me to file a claim about the whole thing, so I gave them every piece of document that I had including my bank statements, pictures of items and receipts and email from XXXX and XXXX XXXX, They could help me at all because the funds were already gone. 

Capital One 360 Banking had a very rude, inhuman people that work over the phone in the claims department, I wasnt alloud to talk to anyone about clarification on my case and I had to file twice, because I didnt beleve the first time they did this, I have all documentaion from the claim services. They were no help at all, its like they didnt want to deal with me or my situation anymore. I lost {$4000.00} from this whole thing, I have never had an experence like this before. I am now in a bad situation, I have been out of work since XX/XX/year>, my unemployment is now done, I am still looking for work, That money that was taken from me was a small savings ( I had a checking account from capital on 360 banking ) I had to save what i had left and move to another banking institution. 








I have saved all documentation including a police report, reciepts, pictures, emails, bank statements, capital one banking forms from claims, etc. 

I have uploaded everything I had, if u need more I can email more, plus I can provide pictures of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
In XXXX I placed an order through Klarna using thei

r Buy Now, Pay Later service. I was charged for the purchase, but I never received the order from the merchant. I contacted the merchant multiple times with no response. I then reached out to Klarna and opened a dispute regarding the missing order. Klarna eventually told me there was nothing they could do, even though I provided proof that the merchant never shipped the product or responded to any communication. I am requesting a full refund for the transaction because I never received the goods I paid for. Klarnas failure to properly resolve the dispute and assist me in recovering my funds has caused financial loss and frustration. The merchant appears to be inactive or fraudulent, and Klarna should be held responsible for continuing to process payments to a non-responsive business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-14 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX XXXX  Date Reported : XX/XX/year> | Balance : {$690.00} Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/year> | Balance : {$1500.00} Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Closed Date Reported : XX/XX/year> | Balance : {$190.00} Account Number 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 non-monetary relief
Consumer complaint received 2025-10-14 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:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX XXXX  Date Reported : XX/XX/year> | Balance : {$690.00} Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Date Reported : XX/XX/year> | Balance : {$1500.00} Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Closed Date Reported : XX/XX/year> | Balance : {$190.00} Account Number 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has prevented me from transferring or accepting settlement money that was sent to my account, claiming orally that an unspecified verification was required.

However, no notification, message, or email was ever sent to inform me that any verification was needed. My account continues to show my linked bank account as active, and no alerts or info or action items appear anywhere in my PayPal dashboard.

This effectively blocked me from accessing my own funds without prior notice, explanation, or opportunity to comply, which is unacceptable and misleading under consumer protection and transparency principles. 

I took screenshots documenting : The bank account marked as active. 
The absence of any alert, pending verification, or limitation notice. 
The failed transfer attempts. 

PayPals refusal to provide timely or visible notice of account restrictions constitutes a deceptive and unfair practice. Consumers must not be locked out of their own funds without explicit communication or the ability to correct the alleged issue. 

Emails and Screenshots of both website and mobile app portal showing the settlement payment, active bank account status, no visible alerts, and failed transfer attempts provided in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : DPT EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$110000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXXXXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXX/XX/XXXX XX/XX/XXXXDEPTEDXX/XX/XXXX DEPTEXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXX DEPTEDXX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: OK

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have been banking with J.P. Morgan Chase Bank for 10 years. On XX/XX/year> at XXXXXX/XX/XXXX the Fraud department wrongfully restricted all 4 accounts with my name on them, including one of my mothers and my husbands accounts that i am just a secondary user on. They will not tell me when they will release my money to me, just that they will eventually mail me a check. 
It's too late to direct mine and my husband 's direct deposits to a different bank before he gets paid on the XXXX and before I get paid the XXXX. They wont let me withdrawal my funds, and I have no idea when I can get the money we need to pay our bills. 
This is causing financial hardship on my family, and i want justice for this uncalled for action against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute a fraudulent debt in the amount of {$1500.00}, which has been erroneously reported on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am writing to formally dispute a fraudulent debt in the amount of {$1500.00}, which has been erroneously reported on my credit files.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Dear sirs, you have reported my account 90 days late. 
On XX/XX/year> I received a letter that auto payments where approved. 

XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Info : Auto debit has been applied to your account. 
Dear XXXX, XXXX XX/XX/year> Account : XXXX We are writing to confirm your enrollment in auto debit for your Nelnet account, which you authorized on XX/XX/year>. 
Your Auto Debit Details Starting after : XX/XX/year> Amount and first debit date : Refer to your monthly billing statement Bank account : Routing number ending in : XXXX Account to be debited ending in : XXXX Automating your payments is beneficial to fulfilling your agreement to repay your loan ( s ) according to the terms of your promissory note. 

I do not undertsand why the payments are not posted to my account. 
Please correct this information with the credit bureaus. 
" Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CO

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regu
lations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adver
se item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Wells Fargo account was double charged numerous times. After some years and some mediation sessions. They say that there is nothing they can do. Also was sold home owners insurance. But did not own a home. The escalating complaints department did because of the amount of time that had lapsed there was nothing they could do.

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 2025-10-14 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:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-14 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:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Per the screenshot, I applied on XX/XX/XXXX. expecting to see the bonus as seen in the screenshot upon approval and meeting the qualifications. these were all met and no bonus. i called to inquire, received a letter 2 days later that i was inelegible. the process works like this : click on the referral link to see if you are approved and lets you select the only card that came up for me, so i clicked on it enter your information notified that you are approved get a notification that a hard credit pull was made do all the correct spending and wait the days called XX/XX/XXXX no bnous they said they would look into it XX/XX/XXXX got a letter saying wasnt eligible XX/XX/XXXX spoke to XXXX and XXXX. XXXX said oh " it is confusing there are several savor cards that all have different bonuses '' i only had the option to choose one from the link, so you would think it had the bonus attached. XXXX said yep nothing i can do go ahead and file a complaint.

Company response to consumer: Closed with explanation