vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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 would like these accounts remove from my credit report so my credit report can update accurately ACCOUNTS 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  I am XXXX to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding AMERICAN EXPRESSs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. AMERICAN EXPRESS has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BANK OF AMERICA XXXX, BANK OF AMERICA 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a letter dated XX/XX/year> from Synchrony that my request for a credit product with ONEPAY CASHREWARDS issued by Synchrony Bank was denied. However, I never applied for any such product. 

Luckily I had a credit freeze so the application did not go through, however this application should never have been allowed to go through as I never authorized any credit application. 

The letter did not include any phone, email, or website for Synchrony where I could reach out to for 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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
my credit car was Hacked and someone make purchases in XXXX without my authorization, on XX/XX/year>. I received an email stating that a suspicious transactions on my card and that I should call them, so I did call them spoke to a lady call XXXX. she said she was going to open a dispute or claim. later I found that the transactions were made on XXXX, it has the address where those purchases were going to be delivered and It wasnt my house. or my address. so on the XXXX I call back the bank and they said that they would open a claim, I told them that I call before and a claim was open, they said no claim has been open so they delete my credit card from system and they were going to send me a new card. so on the XXXX of XX/XX/year> I received a letter from Bank of America saying that my claim was denied and that they have signed documents or proof that I Authorized those purchases, I call them they reopen the Claim, spoke to XXXX, she said she was unable to see those proofs. so she just reopen the claim, i also spoke to XXXX she said the same. 
XXXX affraid they will denied my claim XXXX, XXXX has the address and the products that were ordered without my consent. 
thank you for any help 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 monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to Transunion on XX/XX/XXXX, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX Late Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates : 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Linebarger Goggan Blair & Sampson LLP
State: DC

Complaint narrative:
I sent a debt validation and cease and desist order to you guys via mail and fax. YOU NEVER RESPONDED. I have never did any business with Linebarger Goggan Blair & Sampson, LLP or any of its partner companies. This is a result of identity theft, and it NEEDS to be removed. See my attached letter and provide an answer to ALL of the items on my 9-item list, EVERY SINGLE ITEM, or remove it from my credit report and cease collections on the debt. You guys are also harassing me, calling me several times a day after I told you to STOP calling me. Just for that, I have grounds to sue you. I keep records of my call logs. I have won every lawsuit against other collection agencies I've sued. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: NV

Complaint narrative:
In XXXX, I received a notice from American Coradius regarding a XXXX account allegedly opened in my name for {$400.00}. I am a minor and was XXXX at the time, and I never opened a XXXX account or authorized any transactions. On XX/XX/XXXX, I emailed the company at their compliance address requesting verification of the debt and documentation proving I am legally responsible, but they have not responded. The company has continued to contact me regarding this debt without providing verification, which I believe is an attempt to collect a debt not owed and XXXX involve fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
b'Good day,XX/XX/XXXXI am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute; however, upon reviewing my updated report, I found that several of these inaccurate items remain.\XX/XX/XXXX Balance Owed: XX/XX/XXXX Balance\n Owed: XX/XX/XXXXOriginal Creditor XX/XX/XXXX Balance Owed:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
b'Good day,XX/XX/XXXXI am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute; however, upon reviewing my updated report, I found that several of these inaccurate items remain.\XX/XX/XXXX Balance Owed: XX/XX/XXXX Balance\n Owed: XX/XX/XXXXOriginal Creditor XX/XX/XXXX Balance Owed: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 2025-09-29 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: NJ

Complaint narrative:
The credit reporting agency is in violation of my rights under the Fai

r Credit Reporting Act ( FCRA ). They continue to report accounts and adverse information that are obsolete under Section 605 ( b ) and should no longer appear on my credit report. Despite the clear limits established by law, this outdated negative information remains, causing direct harm to my creditworthiness. Additionally, I exercised my rights under FCRA Section 611 ( a ) by disputing inaccurate and unverifiable information. The credit reporting agency failed to conduct a reasonable reinvestigation as required. Instead, they marked the items as verified without providing documented proof from the furnisher to substantiate accuracy or validity. This constitutes noncomplianc
e with Section 611 and a failure to meet the duty of accuracy.

The Federal Trade Commission ( FTC ) has repeatedly reported widespread problems with the credit reporting industry, including findings that a significant percentage of consumer credit reports contain errors serious enough to affect credit decisions. The FTC has also made clear that consumer reporting agencies must delete obsolete information and conduct proper reinvestigations when disputes are filed. The agencys failure to follow these requirements places them in direct violation of Sections 605 ( b ) and 611 of the FCRA, as reinforced by FTC guidance and enforcement actions.

By continuing to report obsolete, inaccurate, and unverifiable information and by failing to conduct lawful reinvestigations, the credit reporting agency is violating federal law. I am requesting immediate corrective action, including the permanent deletion of all obsolete and unverifiable information, and written confirmation of compliance.

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 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: TX

Complaint narrative:
am filing this complaint regarding Klarnas handling of a recent transaction with the merchant XXXX and the ongoing issues Ive faced as a result. 

I made a purchase through Klarna for a ring from XXXX. I paid an initial deposit of approximately {$74.00} and some change, and then successfully made my second scheduled payment. Shortly after, the Klarna app displayed an error message stating : Because you reported this with your bank, you can not resolve this order in the app. 

This statement is entirely false I never initiated any dispute with my bank. I immediately contacted my bank, and they confirmed that they had not filed any dispute on my behalf. Despite this, Klarna has treated the transaction as if a dispute exists. 

As a result, I am experiencing several unresolved issues : 1. The order has not been fulfilled.

2. Klarna has not refunded my initial deposit ( ~ {$74.00} ) even though it has been nearly a month since the investigation began. 
3. My Klarna account has been restricted, and I am unable to use their service because their system continues to flag this order as disputed. 

I have contacted Klarnas customer support multiple times and even spoke with a specialist team, who told me the investigation would take approximately 20 days. It has now exceeded that time frame with no refund, no resolution, and no explanation. 

I believe Klarna has mishandled this situation and failed to provide the level of transparency and consumer protection required under U.S. financial regulations. I am requesting that the CFPB investigate this matter and assist in securing : A full refund of my deposit. 
A written explanation for the false dispute claim. 
Removal of the account restrictions placed on me as a result of this error. 

I am attaching all relevant details, including payment confirmations, communications with my bank, and Klarna support messages, to support my claim. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute the accuracy of the information currently being reported on my Experian credit file concerning two specific accounts : XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX, account number XXXX. Upon a meticulous review of my Experian, TransUnion and Equifax credit report, I have identified multiple inaccuracies, inconsistencies, and potentially misleading entries associated with these accounts that do not accurately reflect my true credit history or account activity. These discrepancies are of significant concern, as they can adversely impact my creditworthiness, financial reputation, and ability to obtain credit or favourable lending terms. This inconsistencies requires immediate correction to ensure full compliance with the Section 607 ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of consumer information, and Section 611 ( a ) provides me the right to dispute information I believe to be inaccurate and requires your office to conduct a reasonable reinvestigation.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Background of the Issue Transaction in Dispute : On XX/XX/XXXX, I made a web payment in the amount of {$700.00} from my Capital One checking account to XXXX XXXX XXXX XXXX. 

Problem : XXXX XXXX XXXX XXXX never received the payment. 

Timeline of Events XX/XX/XXXX : I contacted Capital One customer service. The representative advised me to dispute the transaction, which I did. A claim was opened under Claim Number XXXX. 

XX/XX/XXXX : I submitted documentation via email to XXXX, showing that XXXX XXXX XXXX XXXX never received the payment. 

Claim Denied : Capital One denied my dispute, stating that I authorized the transaction. I repeatedly explained that while the transaction was authorized, it was never received by the intended recipient. 

XX/XX/XXXX : I appealed the decision again, resubmitting documentation proving that XXXX XXXX XXXX XXXX had not received the funds. 

XX/XX/XXXX : I requested a trace number from Capital One and was provided XXXX XXXX XXXX. XXXX XXXX XXXX XXXX was unable to locate any record of the payment under this trace number. 

XX/XX/XXXX : I spoke with a Capital One representative ( XXXX ) who instructed me to obtain written proof from XXXX XXXX XXXX XXXX confirming non-receipt of the funds. 

XX/XX/XXXX : I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX ( XXXX ). Using the trace number, date, and amount, he confirmed the payment could not be located in their system. He provided me with a printout of transactions and a written statement confirming non-receipt. 

On the same day, I visited Capital One Bank at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. XXXX XXXX reviewed my documentation and agreed that this was an issue where Capital One should refund my money. She escalated the matter by calling internal customer service. After multiple calls and discussions, another representative XXXX XXXX ) confirmed he could see all notes on my account but stated the only option was to open yet another claim which, by his own admission, would likely be denied again. This new claim was opened under Claim Number XXXX. 

Unresolved Problem This issue has persisted for nearly one year.

Capital One has refused to provide me with any details regarding where my money went or why the trace number can not be located by the intended merchant. 

I have provided proof multiple times by email, by appeal, and in person that XXXX XXXX XXXX XXXX never received the funds.

Capital One continues to deny responsibility despite acknowledging in their own records that I have submitted appeals, documentation, and verification from the intended merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Friday XX/XX/year> I went to work and went outside and my car was gone. My purse with all my money inside. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was inside car. By it being the weekend it was nothing I can do. I called the police to report my car stolen and they said that I needs to call the Lender. Which is WESTLAKE FINANCIAL SERVICES.The Lender said for me to call the towing company to retrieve belongings but no one answered and I am responsible for the XXXX XXXX XXXX XXXX XXXXhey wanted me to make a payment over the phone which I could have. Rewind- I had just got back from beinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never got any letters stating that they were going to repossess my vehicle. I never was informed. I've had the car for 3 in a half years. I felt as though it was illegal and when speaking with them they were very rude. And didn't care. Just wanted a form of payment which I stated I can pay but my purse and money is in the car. And I have yet to retrieve my belongings.

Company response to consumer: Closed with explanation