vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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:
Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been determined to my life and credit health

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 2025-09-07 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been determined to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: FL

Complaint narrative:
First Credit Services XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/year> To Whom It May Concern, I am writing to dispute inaccurate information on my credit report and to request debt validation. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act and the following item needs to be re-investigated : XXXX XXXX Reference No. : XXXX Master Loc. : XXXX Business ID : XXXX Please provide proof and documentation of the following : An agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
An agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Proof that you are licensed to collect in my state. 
Under federal law, you have 30 days to complete your investigation. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX XXXX and XXXX ) request shall be sent to me immediately Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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 fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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

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 2025-09-07 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: Climb Credit Inc.
State: WA

Complaint narrative:
Climb Credit got way ahead of themselves and lied. I applied for a private school loan but they never verified that I was registered or attending that school. But then after 90 days they contacted me to tell me I was late on paying the loan back. I never even talked to the administration to attend that school. I put a guess on the start date in the application cause I had never talked to them before I applied for the loan. I contacted them several times that they messed up. That i want attending that school or even registered. But Climb lied and said XXXX XXXX called. Climb isn't suppose to send anything until they know I'm registered and attending. This company is in a big law suit right now for doing things like this along with helping graduates find work. I've got proof that sending money before they know that person is suppose to be days after the class starts. I wasn't even in the same city when it started cause I moved because if relationship problems I had gotten. 
They never informed me at any time before that sent the 90 days overdue bill. But by then they should've known I wasn't registered or attending any class at XXXX XXXX way before I got that notice. There trying to bill me anyways. I believe the did this on purpose cause XXXX XXXX got nothing from them of this loan at all. They even said they've done this before to other people. I'm not the only one they've done this to. As a matter of fact I'm trying to contact the lawyers office that has won a case but Climb couldn't pay in the law suit. It's proof that Climb is a Crooked company with bad ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Klarna AB
State: PR

Complaint narrative:
am filing a complaint against Klarna for a refund that has not been processed. 
Order number : XXXX Date of purchase : XX/XX/year> Amount paid : XXXX plus {$37.00} ( shipping for item returned ) Merchant : XXXX The product was returned / service was canceled. The merchant confirmed that the refund was processed, but Klarna has not credited the funds back to my account. 

I have contacted Klarnas customer service multiple times, but I have not received a satisfactory resolution. This has caused me financial stress and inconvenience. 

I am requesting that Klarna immediately issues my refund of {$37.00} and provides written confirmation. 

The first refund received from XXXX ( XXXX ) in Klarna was for the amount of XXXX which was the shipping cost that I had to pay for the return, Then the other transaction was the full refund of the amount of {$160.00} which was the amount that was used of the card created for a use. Therefore there is supposed to be an adjustment. If they check in the credits, it says that the total credited by the trade was : {$190.00} Which if they discount the {$37.00} from the XXXX  refund, give the {$160.00} used and the surplus belongs to me. 

However, to date Klarna has not credited the funds in my Account XXXX. XXXX XXXX XXXX name : Klarna Inc . 
Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX Website : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
I have had a borrower 's defense application on file since XXXX for the XXXX vs. XXXX case. I have also been in forbearance since then. MOHELA is is my servicer. They recently stated that I have to start making payments on my loans in XXXX of this year. I have called and emailed them several times that they are not allowed to do this because of the borrower 's defense application which is for the XXXX vs. XXXX case. I have messaged them on XXXX, XXXX, XXXX ( XXXX times that day ), and on XXXX. Still no response about changing my status back to forbearance. They sent me emails on XXXX ( XXXX emails ), XXXX, and XXXX stating that my next payment is due XX/XX/XXXX and for the amount even after I have told them several times that according to the student aid website, that I am allowed to still be forbearance for my borrower 's defense case until it is resolved. I even checked the box on the IDR application to keep me in forbearnace and they completely ignored it. I am not sure what else to do since they keep ignoring my emails! Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Client Services, Inc.
State: WA

Complaint narrative:
They had an old address, I found out about a settlement offer and attempted to pay. They took two different cards stating both times " This isn't a valid form of payment '' despite their website only listing two options " Credit card / Check ''. Both payments were attempted at XX/XX/year> at XXXX. Now they have several cards information and still won't resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
b'This letter serves as my formal dispute and demand for deletion of inaccurate, incomplete, and unverifiable information being reported on my credit file regarding my USAA account. The entries in question include alleged late payments and an erroneous charge-off with a balance, both of which violate the Fair Credit Reporting Act (FCRA), 15 U.S. Code 1681 and other federal statutes.\n\nLegal Basis for Dispute\n\nUnverifiable Late Payment(s)\n\nThe alleged late payment(s) have not been verified with proper documentation as required by law. Under 15 U.S. Code 1681i, the credit bureau must delete any information that cannot be verified.\n\nFurther, 15 U.S. Code 1681s-2 strictly prohibits furnishers from reporting information they knowor should knowis inaccurate.\n\nCharge-Off Reporting with Balance\n\nThe account is reported as a charge-off yet continues to show a balance. This is contradictory and misleading. If a creditor has charged off the debt, it cannot simultaneously claim the balance as collectible.\n\nNo IRS Form 1099-C (Cancellation of Debt) has been issued to me, which is required if the debt was canceled. Reporting a charge-off balance without issuing this form is deceptive and creates a false representation of liability.\n\nViolation of FCRA Accuracy Requirements\n\nUnder 15 U.S. Code 1681e(b), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Continuing to report unverifiable, inconsistent, or false data is a clear violation of this provision.\n\nDemand for Immediate Deletion\n\nSince USAA and your agency cannot provide verifiable, consistent, and legally compliant documentation to support these entries, they must be deleted in their entirety from my credit file. Corrections or partial updates will not resolve the violations.\n\nIf this matter is not resolved and the inaccurate information is not deleted, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office. I will also consider pursuing legal remedies for damages under the FCRA.\n\nDisputed Account(s):\n\n[ACCOUNT# XXXX XXXX]\n\nYou are hereby required to complete your reinvestigation and provide written confirmation of deletion within 10 calendar days of receiving this notice.\n\nSincerely,\nXXXX  Denise Gomire\nSSN# 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 2025-09-07 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: IL

Complaint narrative:
b'This letter serves as my formal dispute and demand for deletion of inaccurate, incomplete, and unverifiable information being reported on my credit file regarding my USAA account. The entries in question include alleged late payments and an erroneous charge-off with a balance, both of which violate the Fair Credit Reporting Act (FCRA), 15 U.S. Code 1681 and other federal statutes.\n\nLegal Basis for Dispute\n\nUnverifiable Late Payment(s)\n\nThe alleged late payment(s) have not been verified with proper documentation as required by law. Under 15 U.S. Code 1681i, the credit bureau must delete any information that cannot be verified.\n\nFurther, 15 U.S. Code 1681s-2 strictly prohibits furnishers from reporting information they knowor should knowis inaccurate.\n\nCharge-Off Reporting with Balance\n\nThe account is reported as a charge-off yet continues to show a balance. This is contradictory and misleading. If a creditor has charged off the debt, it cannot simultaneously claim the balance as collectible.\n\nNo IRS Form 1099-C (Cancellation of Debt) has been issued to me, which is required if the debt was canceled. Reporting a charge-off balance without issuing this form is deceptive and creates a false representation of liability.\n\nViolation of FCRA Accuracy Requirements\n\nUnder 15 U.S. Code 1681e(b), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Continuing to report unverifiable, inconsistent, or false data is a clear violation of this provision.\n\nDemand for Immediate Deletion\n\nSince USAA and your agency cannot provide verifiable, consistent, and legally compliant documentation to support these entries, they must be deleted in their entirety from my credit file. Corrections or partial updates will not resolve the violations.\n\nIf this matter is not resolved and the inaccurate information is not deleted, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my State Attorney Generals office. I will also consider pursuing legal remedies for damages under the FCRA.\n\nDisputed Account(s):\n\n[ACCOUNT# XXXX XXXX]\n\nYou are hereby required to complete your reinvestigation and provide written confirmation of deletion within 10 calendar days of receiving this notice.\n\nSincerely,\nXXXX  Denise Gomire\nSSN# 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 2025-09-07 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXXXXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$31000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-07 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: Continental Finance Company, LLC
State: NV

Complaint narrative:
I am a victim of identity theft. Two credit card accounts were fraudulently opened in my name with Continental Finance Co. and XXXX XXXX XXXX XXXX ( XXXX ). I did not authorize or apply for these accounts. One of the accounts remains open, and one has been closed, but both continue to appear on my credit report. 

I already submitted disputes with XXXX, including my FTC Identity Theft Report, a police report, my government-issued ID, and proof of address, yet these fraudulent accounts were not removed. Despite providing full documentation, the accounts remain on my report and are damaging my credit. This is a violation of the Fair Credit Reporting Act ( FCRA ) 605B and 611, which requires fraudulent accounts to be blocked or deleted when sufficient proof of identity theft has been submitted

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 2025-09-07 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XXXX  had a breach and my information/data along with XXXX of other peoples information/data was leaked, exposed whatever you would like to call it. I would appreciate them not reporting. Also Credit Acceptance is still reporting my payments late and Im paying on time. Ive spoken to them and there has been no change.

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 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy, completeness, and legal compliance of the following account appearing on my XXXX  credit file : Creditor : CAP1/Kohls XXXX XXXXXXXX Partial Account No. : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Status : Charge-Off, Balance {$2000.00} Date Closed : XX/XX/XXXX Estimated Removal : XXXX/XXXX  Basis for Dispute : 1. Incomplete and Misleading Reporting Numerous months show N/R ( Not Reported ). Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), XXXX  must ensure all information furnished is complete and accurate. Reporting partial or inconsistent data constitutes non-compliance. 
2. Balance Accuracy Violation The account reflects fluctuating balances after closure, which is factually inconsistent with a true charge-off. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known, or that should be known, to be inaccurate.

3. Obsolescence Miscalculation This tradeline is scheduled for removal in XXXX/XXXX. Pursuant to FCRA 605 ( a ) ( 4 ), charge-offs can not remain longer than seven years from the date of first delinquency ( DOFD ) that led to the charge-off. If DOFD predates XX/XX/XXXX ( as the payment history indicates delinquencies as far back as XXXX ), the removal date reported is inaccurate and unlawfully extends the damage period. 

Demand for Action : Conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ).

Provide documentation verifying the accuracy of the DOFD and all balance reporting.

If XXXX  or the furnisher can not produce legally verifiable documentation, this account must be permanently deleted from my credit file. 

Failure to comply constitutes a violation of federal law, subject to enforcement under FCRA 616 and 617, as well as regulatory oversight by the CFPB.

I expect written confirmation of deletion or full documentation substantiating accuracy within 30 days, as mandated by law. 

Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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:
XXXX XXXX on my report ; I did not aprve them bc of identity theft. Remve these to fix my 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 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX has current account sent to collections. I wish is only notice stating they are no longer requiring me to pay back a debt that was owed to them. 
XXXX XXXX XXXX loan needs to charge off because the repossession, & use a loan modification. 
Cash net usa could cancel cancels or forgives {$600.00} or more of debt, they are generally required to send me a Form 1099-C.

XXXX XXXX After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation.

I wish the debt cancellation will not impact my future or credit score. 
XXXX XXXX can help me stop them & thier tracks XXXX XXXX XXXX  I paid bills i was over charged entirely cancelled my account & subscription. 
XXXX XXXX XXXX XXXX, it refers to domestic debts, in particular agricultural debts and freeing of debt slaves. Wish all collectors cancel thier orders and thats it.

Company response to consumer: Closed with explanation