vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Klarna AB
State: FL

Complaint narrative:
I transferred money into the app Klarna to top up my online account and make purchases or pay for the purchased already made with my available balance at Klarna. After a dispute they froze my account then I contacted them they cleared an amount owed due to a dispute and unfreeze my account but they refused to refund me my balance as requested, after they claimed they will. Later they asked me to reconnect my bank account to issue such refund instead they went ahead and charged me the money for the initial claim, and didnt refunded me plus never allowed me to pay or make any purchases using my own money left on my top up account. I do not want to use it or purchase anymore through them even if they would now allow me now to do it. I just dont trust them I want my money refunded back. This company is a scam they scammed me out of my hard earned money, that I transferred online to my account in their app. Many people disputed the same in Klarnas XXXX page and online. Is not the first time they scam a trusting consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 



Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Tried using Amex gift card aXXXX XXXX XXXX online and it will not accept the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AL

Complaint narrative:
Someone has been using my chime account and it wasnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
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 XXXXXX/XX/year>

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 2025-02-17 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 explanation
Consumer complaint received 2025-02-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX I am writing to request a reinvestigation on the following accounts that is reporting delinquent on my credit file. 

Account 1 XXXX XXXX Date opened : XX/XX/XXXX Account Type : Installment Account Loan Type : Automobile Balance : {$4500.00} Account Statues : Charge Off Account 2 XXXX XXXX Date Opened : XX/XX/XXXX Loan Type : Credit Card Balance : {$5300.00} Account Statues : Charge off Per IRS Publication 4681, Canceled Debts/Charge off is considered income that needs to be file on my taxes and should not be reported on my credit file as a debt. Please update as paid in Full. 

I am requesting proof of the investigation please provide : Name of empolyee spoken to Date of investigation what information was given Please see attached IRS Form 1099B that was filed for the above accounts proving the account has been Discharged. attached also is response letter from XXXX XXXX XXXX XXXX stating Account 1 has been paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX I am writing to request a reinvestigation on the following accounts that is reporting delinquent on my credit file. 

Account 1 XXXX XXXX Date opened : XX/XX/XXXX Account Type : Installment Account Loan Type : Automobile Balance : {$4500.00} Account Statues : Charge Off Account 2 XXXX XXXX Date Opened : XX/XX/XXXX Loan Type : Credit Card Balance : {$5300.00} Account Statues : Charge off Per IRS Publication 4681, Canceled Debts/Charge off is considered income that needs to be file on my taxes and should not be reported on my credit file as a debt. Please update as paid in Full. 

I am requesting proof of the investigation please provide : Name of empolyee spoken to Date of investigation what information was given Please see attached IRS Form 1099B that was filed for the above accounts proving the account has been Discharged. attached also is response letter from XXXX XXXX XXXX XXXX stating Account 1 has been paid as agreed.

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 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 


Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
recently discovered that someone fraudulently used my identity to apply for a Home Depot credit card without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted Home Depot/Citibank , and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.

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 2025-02-17 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: GA

Complaint narrative:
I recently reviewed my credit report and found some accounts with inaccurate payment history, dates of account open/closed, account status, & account history. These accounts were different on my Experian, Equifax, & TransUnion.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/year> SchoolsFirst Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off and Failure to Provide 1099-C Dear SchoolsFirst, Federal Credit Union, I am writing to formally dispute the charge-off status reported on my SchoolsFirst auto loan account. Additionally, I have reason to believe that SchoolsFirst may have reported this charge-off as a loss to the IRS without providing me with a 1099-C ( Cancellation of Debt Form ) as required by law. 
Under IRS regulations, if a creditor cancels or discharges a debt of {$600.00} or more, they are required to file a 1099-C with the IRS and send a copy to the borrower. As of today, I have not received this form. If SchoolsFirst claimed this as a loss, I am entitled to documentation verifying this. If this was not reported to the IRS, I request immediate clarification on why it was charged off without proper notification. 

Per the Fair Credit Reporting Act ( FCRA ) and IRS regulations, I am requesting : Proof that the charge-off was reported correctly and in compliance with federal regulations.

A copy of the 1099-C, if it was filed.

Removal of the charge-off from my credit report if it was improperly filed or not reported to the IRS. 
Failure to comply with federal regulations could be considered a violation of my consumer rights. If I do not receive a timely response, I may escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the IRS. 

Please respond within 30 days of receipt of this letter. I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MOHELA
State: CA

Complaint narrative:
I am writing to formally complain about the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and XXXX XXXX regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My Free Application for XXXX  Student Aid ( FAFSA ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts were obtained and used without proper authorization. 
These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX  ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I as charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
My XXXXXXXX  bought a car from BMW financial and I co-sign for her and later the car got repossessed without my knowledge and later she paid the balance owed on the car and cleared out the loan but BMW financial has refused to honor their agreement to stop reporting the account on my credit report even though the loan is paid and account has been closed and fully paid they still reporting it on my credit report since XXXX  to hurt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX refuses to work with me on getting a better interest rate. My financial situation changed and the interest amount on the car became too much to manage. I reached out to the company several times, but they stated that they don't allow for refinancing with them. My current interest rate is 17 %. I even asked for SCRA benefits, but I didn't qualify since I was on active duty prior to getting the auto loan. I have had the car for close to XXXX years and my payments have taken the loan amount owed down by only {$2000.00}. Additionally, the car value has dropped down from XXXX XXXXXXXX down to XXXX XXXXXXXX. My monthly payment with the current interest rate is {$1300.00} a month. Looking for a more affordable interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I been send information to Equifax about my social security number and my address I been in this residence for about XXXX XXXX XXXX XXXX XXXX but for more information that I send is like they already make their mind and never take their time to investigate or too busy! Im just hoping if the complaint coming from you they would take their time to really investigate thanks!

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I been send information to Equifax about my social security number and my address I been in this residence for about XXXX XXXX XXXX XXXX XXXX but for more information that I send is like they already make their mind and never take their time to investigate or too busy! Im just hoping if the complaint coming from you they would take their time to really investigate thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX BANK XXXX # XXXX XX/XX/2024 -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
During XXXX I was able to continue to pay my car note due to me losing my job, I called the car dealership and explained the situation and asked them to come get the car

Company response to consumer: Closed with explanation