vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB
State: VA

Complaint narrative:
I requested a refund from KLARNA due to an inaccurate rental via XXXX in XXXX, 2025. 

XXXX honored the refund, sent it back to KLARNA, but KLARNA states they haven't recieved it and to check with my financial institution. My financial institution obviously has not recieved it because KLARNA hasn't sent it, of which they also believe they are not liable ... I paid one installment via KLARNA third partXXXX application. 

I am owed {$190.00} plus XXXX in excess fees which KLARNA is STILL requiring me to pay even though the refund was honored from XXXX. 

A refund was requested through KLARNA via electronic requests as well as via a live agent within the proper time frame. The emails I received from KLARNA do not match correspondence from XXXX. 

KLARNA has stolen my money and added additional fees unrelated to my refund request!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NM

Complaint narrative:
I am requesting that you conduct a thorough investigation under your obligations pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to determine whether this account is being reported accurately and lawfully.

I am challenging this charge-off account based on one or more of the following reasons : The account is inaccurate, incomplete, or misleading in the way it is reported.

I have not been provided with sufficient verification or documentation from the original creditor that substantiates the debt, the amount, and the legal basis for the charge-off.

There is no signed agreement or admissible proof tying me to the account under the terms currently being reported.

The account may be obsolete, re-aged, or improperly updated in violation of FCRA guidelines.

The reporting of this account may be a result of identity theft, fraud, or clerical error.

Under the FCRA, any account that can not be verified through documentation from the original creditor or debt owner must be deleted from the credit file. I hereby demand that, unless the charge-off can be fully validated with complete documentationincluding the original signed contract and a full payment historyyou remove this entry from my credit report immediately.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VW Credit
State: VA

Complaint narrative:
This serves as my formal notice and complaint against Volkswagen Credit for willfully and unlawfully misreporting an auto loan account on my credit reports. The account is being reported with repossession remarks ( Redeemed Repossession ), despite the fact that my vehicle was totaled in an accident and the remaining balance was paid ( in full or in part ) by my insurance provider. At no time was this vehicle ever repossessed. 
Volkswagen Credits reporting is inaccurate, misleading, and violates multiple consumer protection laws : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers are prohibited from reporting information they know, or should know, is inaccurate. Reporting repossession activity when none occurred is a direct violation.

FCRA 611 ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation. This information is unverifiable, as no repossession documents exist.

FCRA 1681i ( a ) ( 5 ) ( A ) : Any unverifiable or inaccurate information must be permanently deleted, not updated.

15 U.S.C. 1681s-2 ( b ) : Upon dispute, a furnisher must properly investigate and correct errors. Failure to do so is negligent or willful noncompliance.

This false reporting has caused me severe harm, including : damage to my character and reputation, inability to secure fair credit opportunities, and financial injury. By continuing to report this false information, Volkswagen Credit is engaging in willful misreporting and defamation of character under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Accordingly, I demand : Immediate deletion of this erroneous repossession remark and associated balance from all consumer reporting agencies.

Confirmation that the account is accurately reported as a total-loss/insurance-paid loan, not a repossession.

Full compliance within 30 days as required by law.

Failure to comply will result in legal action, including damages under 15 U.S.C. 1681n, 1681o, and 616, with statutory damages of {$1000.00} per violation, plus actual damages, attorneys fees, and punitive damages as permitted by law.

This complaint serves as my final attempt to resolve this matter before pursuing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute the accuracy of recent late payments reported on my mortgage account with Freedom Mortgage. These late payments were the result of technical and administrative errors beyond my control, not negligence or financial hardship. 

Until XX/XX/year>, my mortgage was consistently paid through AutoPay from my XXXX XXXX account ( ending in XXXX ). Without any prior notice or explanation, XXXX XXXX unexpectedly closed this account. Immediately thereafter, I opened a new account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and re-established AutoPay with Freedom Mortgage. 

I ensured that the new XXXX XXXX XXXX account always had sufficient funds to cover the monthly payments. I have attached bank statements confirming consistent fund availability, along with proof of AutoPay setup showing that my XXXXXXXX XXXX XXXX account was correctly designated as the default payment method. 

Despite this, Freedom Mortgage failed to process payments from my default account and instead attempted to withdraw from the old XXXX XXXX account, which was no longer active. This constitutes a system error by Freedom Mortgagenot a failure on my part. 

During a phone conversation with a Freedom Mortgage representative on or about XXXX XXXX XXXX, I was told that I was required to delete my old account in order to avoid such issues. I believe this statement is incorrect, as the system should honor the default account designation. I respectfully request that you review the recorded phone call for verification and provide me with the written policy that requires account deletion. To date, I have not received such documentation, despite it being promised. 

Based on these facts, I respectfully request that this matter be re-investigated as an accuracy dispute under the Fair Credit Reporting Act ( FCRA ), not as a request for goodwill. The negative credit reporting does not reflect my payment behavior but rather an error in Freedom Mortgages processing system. 

I kindly ask that corrective action be taken to remove the inaccurate late payments from my credit report and that I be provided with the supporting documentation related to this matter. 

Thank you for your time and attention to this issue. I look forward to your response. 

Sincerely, 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 2025-09-26 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX Account Number : [ 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 2025-09-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX  notified me of an alert on my credit report. The alert was for a debt collection. The debt was for unpaid rent on a property in Mississippi. I have never been to the state. It seems the renter used my social security number, and skipped out.

I contacted the collector, Hunter warfield, and they said they would investigate. I received a letter from Hunter Warfiels stating that in order to move forward with their investigation, they would need an FTC Affidavit. When i tried to do that with the FTC site, I was redirected here. I am asking for your help to get this removed from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies, false reporting, and unauthorized activity being reported on my credit profile by the credit reporting agencies. These issues have caused severe harm to my financial reputation, denial of credit opportunities, and unnecessary stress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate, fair, and verified reporting of my credit history. I am demanding a thorough investigation and immediate corrective action on the following items : XXXX XXXX XXXX XXXX, CA XXXX Wrong Address I have never resided at this address, nor have I ever authorized its association with my credit profile. This incorrect address is misleading and can be used fraudulently, exposing me to identity theft risks. I request that this address be immediately removed from all reporting agencies. 
XXXX XXXX XXXX XXXX, CA XXXX Wrong Address This address has never been my residence. Its inclusion constitutes a material misrepresentation of my personal data. I demand that it be deleted immediately under FCRA regulations. 
XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Late Payment I dispute the late payment designation for this account. I have consistently made payments on time and have no record of delinquency. Misreporting of payment history is a violation of FCRA 1681s-2 ( b ), which requires accurate account reporting. I demand correction of the payment history to reflect timely payments. 
XXXX XXXX High Balance : {$60.00} Date Opened : XX/XX/XXXX Late Payment I have never made late payments on this account. The reporting of late payment status is false and damaging to my credit profile. I request immediate correction to accurately reflect my payment history in compliance with FCRA 1681s-2 ( b ).

Conclusion and Demand for Action I request that the CFPB require the credit reporting agencies and furnishers to comply with federal law by correcting or deleting these inaccurate items. Wrong addresses must be deleted, false late payment histories must be corrected, and all unauthorized inquiries must be removed immediately. If these violations are not corrected within the required 30-d
ay investigation period under FCRA 611, I reserve my right to pursue further action, including escalation to the Federal Trade Commission ( FTC ) , state Attorney General, and possible civil litigation for damages under FCRA 616 and 617.

I expect a written confirmation of the results of your investigation and the corrective action taken.

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 2025-09-26 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: AZ

Complaint narrative:
Im requesting that this late payment be removed, as it unfairly portrays my payment behavior. I have generally maintained punctual payments.

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 2025-09-26 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT AS IT DOES NOT REFLECT MY CONSISTENT ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS CLEARLY INCORRECT AND UNFAIRLY HARMS MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. 
UNDER THE TRUTH IN LENDING ACT ( TILA ) 15 U.S.C. 1666B THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE DOCUMENTING THIS ISSUE, WHICH HAS BEEN OUTSTANDING SINCE XXXX, DEMONSTRATING A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS. 
I HAVE BEEN DISPUTING THIS MATTER FOR MONTHS AND I URGE YOU TO CONDUCT A PROMPT INVESTIGATION. PLEASE UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY. FAILURE TO CORRECT THIS ERROR MAY RESULT IN MY SEEKING MONETARY DAMAGES IN SMALL CLAIMS COURT. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY THE PAYMENT IS INACCURATELY REPORTED AS LATE. 
I RESPECTFULLY REQUEST YOUR IMMEDIATE ATTENTION TO RESOLVE THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-26 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted from the report.

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