vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I am writing to formally dispute multiple inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). My correct legal name is XXXX XXXX XXXX XXXX, as previously confirmed to Experian. However, my report lists the following incorrect name variations, which I do not recognize or use : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies may lead to confusion or harm my credit profile. Per the FCRA, Experian must investigate and correct or delete unverifiable information within 30 days. 

Address Correction : The current address listed is incorrect : Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached copies of my drivers license and XXXX utility bill as proof of my legal name and residence. 

Action Requested : Remove or correct all inaccurate name variations and retain only my full legal name : XXXX XXXX XXXX XXXX. 

Update my address to the correct one listed above. 

Provide a corrected copy of my credit report upon completion. 

Failure to correct these inaccuracies violates the FCRAs requirement to maintain reasonable procedures for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). If the disputed items are not resolved, I reserve the right to escalate this matter further. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Drivers License Copy of XXXX Utility Bill

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 2025-04-22 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ZuntaFi Corp
State: MD

Complaint narrative:
I attended the University XXXX XXXX XXXX XXXX, XXXX for XXXX XXXX in XXXX. Its headquarters is based at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. In XXXX, I returned to the XXXX and started my 5th semester in XXXX for 5 months and then proceeded to study for my step1 board exams. in XXXX, I started my rotations at the University XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. After completion, we the XXXX were informed by the bank which sourced our loans then, that we would no longer be allowed to receive further loans due to fraud by the school. My loans were transferred to XXXX. 

We the XXXX contacted the school, and kept getting unanswered questions, until the owner disappeared for some years. I personally visited the island in XXXX and found the school fully closed, gates locked and grass unkept. I have not heard from anyone since XXXX, and was unable to complete XXXX XXXX 

I recently tried to report this via consumer affairs but was only told that the school is as opened. I do not know where to turn to or how to even begin to figure this out, but I am seeking the right source for this school to be investigated. I am left with an excess of XXXX loans with nothing to show for it. Please assist me with this or guide me to the correct source.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
They closed my account and wouldn't help me resolve the issue professionally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I identified an unfamiliar account on my credit report that I did not authorize or open. 

The account in question is : - XXXX XXXX Opened on XX/XX/XXXXXXXX  This account does not belong to me and appears to be linked to identity theft.

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 2025-04-22 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: AZ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX  Account Number : XXXX Balance : {$2200.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX  '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking NumberXXXX

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 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX  Account Number : XXXX Balance : {$2200.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX  '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking NumberXXXX

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klarna AB
State: GA

Complaint narrative:
Dear Klarna I recently checked my XXXX XXXX credit profile, and I noticed that there were 10 tradelines of Klarna showing on my report ; Im confused as to why are there 10 accounts from the same company when I recently went back on my klarna account I noticed that some of these trade line payments were refunded and returned meaning I was giving my money back and its still showing up as an account shouldnt that be removed? I feel as though this company is improperly using and abusing my credit profile and trying to plea that this is their rules when actually there should only be one trade lines not multiple so Im asking your company CFPB to do your due diligence and reach out to klarna to have nine of these accounts removed as it is in proper use and against the consumer laws no one is doing their research to getting this information corrected I will do many CFPB complaints and also take legal action if nothing is done with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I am filing this complaint against Credit Karma Money regarding their improper handling of my disputed transaction with XXXX XXXX in the amount of {$1900.00}. 

Credit Karma denied my legitimate dispute claim without providing any explanation, investigation details, or opportunity to submit additional information, which I believe violates my rights under Regulation E and the Fair Credit Billing Act. 

I made a {$300.00} deposit to XXXX XXXX that was never applied to my final bill. The merchant charged me for absent guests, resulting in a grossly inflated bill of {$1900.00} when the appropriate amount should have been approximately {$420.00} - a difference of nearly {$1500.00}. 

Despite multiple attempts to resolve this directly with the merchant ( both at the event and by returning the following day ), they refused to provide any explanation for why my deposit wasn't credited and refused to make any accommodation. The merchant 's only response was to suggest I personally contact absent individuals to collect paymentan unreasonable solution that shifted their business responsibility onto me. 

I filed a detailed dispute with Credit Karma Money, but they denied my claim without explanation, providing no rationale for their decision or any details about their investigation process. 

As a loyal Credit Karma customer with an account always in good standing, I'm shocked by their unwillingness to properly investigate this matter or provide transparency. This financial burden has created significant hardship for my military family who budgeted for a reasonable celebration. 

Furthermore, I'd love to know how they investigated my dispute and came to a conclusion all within XXXX. 

Desired resolution : 1. Credit Karma should provide a detailed explanation of their investigation and decision 2. My dispute case should be reopened with proper consideration of all evidence 3. Credit Karma should review their dispute resolution policies to ensure compliance with consumer protection laws Previous steps taken : I initially attempted to resolve the issue directly with XXXX XXXX XXXX at the event and by returning the next day. I then filed a formal dispute with Credit Karma, which was denied without explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I got a credit card in XXXX to help with credit score, was unable to make my first payment for months. Contact a customer support the whole time kept being promised a solution to contact me again with updated information, to no avail. Then I kept getting more late payments more interest I charged maybe {$200.00} on my card I had a {$300.00} limit... 
They fixed it by taking XXXX $ without my permission. Closed my account, and told me they would remove the late payment XXXX XXXX Contact me with more info soon. 

At this time I asked them to stop giving me late payments and explain to me what is going on, I submitted documents saying that my bank had released the funds had them pending all the way until they return the funds there was no answers for what was the problem... They had restricted my account promise me no more late fees would be added and they would take care of all of this for me I was told I'd be contacted about either resuming accounts or more probable solution opening a new one completely. Nobody ever reached back out to me and I've spent weeks on the phone and trying to communicate and still today I get a hold of somebody and there's over {$160.00} in charges late fees no charges taken off no access to funds no explanations only being told that nothing can be done about this my credit score has been constantly taking hits. This is the most ridiculous thing I've ever come across when dealing with the financial institution this is so unprofessional!!

Not one promise after weeks of my time spent on this... And I owe almost as much as I originally charged still!!??? 

Not ok!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 recently reviewed a copy of my credit report and was shocked to find I had been the victim of identify theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: UT

Complaint narrative:
Request for Debt Negotiation and Payment Plan XXXX XXXX XXXX XXXX I am writing regarding a debt in the original amount of {$1200.00} related to my XXXX XXXX XXXX XXXX, which is currently being handled by a collection agency. 

I previously contacted the collection agency to request a settlement. In response, I was offered a reduced amount of {$820.00} for full payment. While I appreciate the offer, due to my current financial difficulties, I kindly requested a revised settlement or a payment plan that would allow me to resolve the debt in installments. 

However, I have not received any response to my request for a more manageable payment option. 

I want to make it clear that I am willing and committed to settling this debt, but I ask for understanding and flexibility given my current financial situation. I kindly request a prompt reply with possible alternatives that would allow me to move forward responsibly. 

Thank you for your attention, and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/year>25, I saw two fraudulent {$240.00} charges on my Wells Fargo credit card from a company I've never heard of called XXXX. Wells Fargo initially reimbursed me for the charges and replaced my credit card, but my old credit card ( which they said was cancelled ) is still being charged for my recurring monthly payments ( gym membership, etc ). In XXXX they closed my claim and said that I had authorized those charges. I checked my account after this and saw that I had four {$240.00} charges on my statement from XXXX dated XX/XX/scrub>/25. I believe that two of these were Wells Fargo reinstating charges, but I was charged double what was originally stolen from me. When I noticed this, I called and re-opened the claim, explaining that I never authorized those charges and I now had additional fraudulent charges on my card. Today I received a letter from Wells Fargo telling me they closed my claim and will be reinstating the charges. I have never heard of this company, I can't even find a website or any online presence for them. Somehow, Wells Fargo contacted them and this company allegedly claimed that I purchased from them and that products were delivered to my home, which never happened.

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 monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX Report Confirmation : XXXX. This is a formal reinvestigation request concerning a collection account reported by PORTFOLIO RECOVERY ASSOCIATES, opened on XX/XX/XXXX, with a balance of {$1000.00} as of XX/XX/XXXX. The account continues to update monthly and is labeled Placed for Collection, yet I have never entered into any contractual agreement with Portfolio Recovery Associates or XXXX XXXX XXXX XXXX, which is listed as the original creditor. I do not acknowledge or affirm that this account is valid or collectible. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) [ 15 U.S.C. 1692g ], I am demanding strict validation and verification of any alleged debt, including the original credit agreement, the full chain of assignment from the original creditor, and legal documentation proving that Portfolio Recovery is the lawful holder in due course with standing to collect. Any reporting of this debt without such documentation is misleading and violates FCRA 1681e ( b ), which requires consumer data to be complete and not misleading. Portfolio Recoverys continued reporting without verified proof of contractual privity constitutes willful noncompliance. Furthermore, post-dispute updates suggest improper reinsertion of disputed data, a violation of FCRA 1681i ( a ) ( 5 ) ( B ). I request permanent deletion of this account unless full legal evidence of a contractual relationship and assignment is provided. This dispute is submitted under my rights as outlined in the FCRA and FDCPA and is supported by updated Equifax credit report evidence showing continued monthly updates after closure without proof of legal authority to report or collect.

Company response to consumer: Closed with explanation