vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
On XX/XX/XXXX, I attempted to make a purchase at XXXX ( XXXX XXXX XXXX ) using Klarnas in-store payment option with my Klarna card ending in 1417. Due to a system error, the register froze during checkout and the receipt failed to print. The XXXX associate informed me that when a receipt doesnt print, the transaction does not complete. They could not locate the transaction in their system after multiple attempts/searches, and I had to pay for my purchase using another payment method ( not Klarna ). XXXX provided me a 10 % discount for my troubles, receipt is attached showing the payment of {$480.00}. 

Despite this, Klarna processed two installment payments totaling {$540.00}. I contacted Klarna and provided documentation from XXXX confirming the transaction never went through. After multiple disputes, Klarna issued a full refund of {$540.00} on XX/XX/XXXX. 

However, Klarna later reissued the payment, and after further back-and-forth disputes, I was again forced to pay even though the original transaction was never valid. The final installment was paid by Klarna resolution on XX/XX/XXXX. 

Now, on XX/XX/XXXX, I discovered that Klarna has reopened the account and is again attempting to collect payment on the same disputed transaction. This matter was already resolved over a year ago and fully paid, making this renewed attempt at collection improper. Ive contacted Klarna to request immediate closure of the account and to cease all further collection efforts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am closing on a house on XX/XX/XXXX and all my tasks are complete. I was traveling yesterday ( the XXXX ) and got an email saying my closing disclosure was uploaded to the portal. I said ok and I would look later that night. I was not able to get to it until XXXX on the XXXX and click the acknowledge button. They then told me I can't close on the XXXX due to the 3 day rule, and that it would be the XXXX. 

I was never told of any 3 day wait period or any urgency of acknowledging the CD, or I would have made extreme effort. 

This delay and lack of communication has caused financial hardship. I am selling my current home on the XXXX with a move out of the XXXX and now have no place to go and will pay double for the movers. 

I feel Rocket Mortgage, failed to communicate the mandatory wait and did not have me ( consumer ) in their best interests. 

I requested a financial hardship waiver letter to them asking to close on the XXXX but they denied it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 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:
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. 

XXXX XXXX XXXX  XXXX - XXXX XXXX BANKInquiryXXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

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 2025-08-13 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: MA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX  XXXX ( XXXX XXXX XXXX XXXX  ) Specifically, XXXX  is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX  is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
my names are written incorrect many addresses i dont know or dont live any more credit cards charged off still have balance in them cc from Capital one charged off XX/XX/XXXX, XXXX bank CC XXXX XX/XX/XXXX and XXXX  CC charged off XX/XX/XXXX XXXX bank sent Law firm XXXX XXXX XXXX XXXX  to sue me for {$4300.00} which court awarded them capital one sent XXXX XXXX XXXX XXXX  to sue me for {$6900.00} in XX/XX/XXXX the court awarded them many inquiries i dont know or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2025-08-13 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-13 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: CT

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the account listed under XXXX XXXX XXXX ( Account # XXXX ) appearing on my credit file. 

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must assure maximum possible accuracy of information reported. The reported account is inaccurate, unverifiable, and disputed. I have requested full validation from the furnisher and until complete verification is provided, this account must be deleted immediately. 

Please conduct a reinvestigation as required under 15 U.S.C. 1681i and provide me with the results within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
XXXX accounts due to ID XXXX. Please block all fraud accountsXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Charges filed XXXX XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Asked for these fraud accounts to be removed from my credit report competely under codes 15USC1681EB and 15USC1681I5A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Asked for these fraud accounts to be removed from my credit report competely under codes 15USC1681EB and 15USC1681I5A : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
IAm reporting Chase Bank for identity theft, theft of property for unjust enrichment, securities fraud, bank fraud and money laundering. This company has unlawfully monitored personal information belonging to me through the unlawful use of a social security, trading, selling securitizing and monetizing that number for revenue, profit and gain while IAm being used as a commodity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
What a shocking and deeply concerning surprise! Upon reviewing my credit report, I have come across some negative accounts that I never authorized and that, although they have a XXXX balance, are entirely unrelated to me. I can not believe such products could appear without my consent! I feel dismayed and alarmed by this situation, and I urgently need your support to clarify this evident case of fraud. 

There are accounts : XXXX : # XXXX  XXXX Date Opened XX/XX/XXXX BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Date of Enquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NH

Complaint narrative:
I had ~ {$50000.00} stolen out of my XXXX  account between XXXX EST on XX/XX/XXXX. This is a quarter of all of my savings, since the original value before the market decline was over {$100000.00}. I've been communicating at XXXX XXXX with XXXX XXXX XXXX XXXX on a pro bono basis to try and recover my funds. I contacted local authorities, and recorded the incident using the FBI 's web-site. I've had conversations with the law firm, local authorities, the FBI, and with various people familiar with this sort of situation. I've heard consistently that XXXX  should be liable, especially since they had a breach in the fall of XXXX, and I wasn't made aware. The breach apparently resulted in user info. being stolen, like email addresses, but not passwords ( from what I've been told ). I also had XXXX set, and didn't receive a single indication that my funds were being liquidated out of my account over the span of 1 hour and 55 minutes ( based on the time stamps of the auto-emails ). 

Note that I have all of the XXXX XXXX  auto-emails sent between XXXX EST on XX/XX/XXXX, when my funds were being converted and then removed from my account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Formal Complaint Fraud on Mortgage and HELOC Accounts with Bank of America I am writing to report what I strongly believe to be fraudulent activity involving my mortgage and HELOC accounts with Bank of America, as well as to document the bank 's ongoing failure to respond to my evidence and engage in a resolution process. In their correspondence, went back and cleaned up XXXX numbers XXXX, XXXX, XXXX with the recording dates of XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX respectfully. 

In XXXX # XXXX Loan number XXXX and XXXX were consolidate and this is where I have given them a copy documents and they have been ignored. Then have review many files but seem to skip over the most important once to address their very issue of fraud. 

Background of Fraud : In XX/XX/XXXX, during a title search for a real estate transaction, I discovered that my Home Equity Line of Credit ( HELOC ) had been improperly and fraudulently consolidated with my conventional mortgage loan without my knowledge, consent, or approval. 
This unauthorized transaction likely occurred during the XXXX HELOC financial crisis, a time when many consumers experienced similar mishandling of their mortgage products. I have obtained and submitted clear documentation showing : * Unauthorized signatures * Contradictory loan records * Bank-generated documentation confirming the consolidationdespite Bank of America later denying they had it This is a clear indication of fraudulent activity and mismanagement on my account, which has caused me significant emotional and financial harm. 

Communication with Bank of America and Legal Counsel : I began corresponding with XXXX XXXX, an attorney at XXXX XXXX XXXX XXXX, in early XXXX. In XXXX, she sent me a letter stating I should contact someone named XXXX ( last name unknown ), who would be handling my case. I made multiple attempts to contact XXXX, but never received a response. 
Following this, XXXX XXXX sent another email instructing me to direct all further communication to XXXX XXXX, a representative from Bank XXXX Americas Fraud Department.

On XX/XX/XXXX, I initiated communication with XXXX and submitted all supporting documentation, including proof of : * Loan consolidation without approval * Signature discrepancies * Contradictions in written responses from the bank regarding loan records I have since followed up with XXXX on : * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX To this day, I have received no response from XXXX or any representative from the fraud department. As of today, no agreement or resolution has been reached, despite my detailed evidence and persistent communication.

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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I need a copy of the 1099-C and any other documentation sent to the department of Treasury . I need Credit Acceptance to proved me the information so I can amend my XXXX taxes.

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