vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I was victim to a data leak of my personal information social security e mails etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
b"Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section 605b, I have reported the incident to the Federal Trade Commission (FTC) through their website at https://www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B (a), Credit Reporting Agencies are required to investigate any information in the consumer's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 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: NC

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Klarna AB
State: PA

Complaint narrative:
Hello, I am filing a complaint regarding duplicate charges and ongoing billing issues with Klarna. I used Klarna to purchase a service from XXXX totaling {$790.00}. Before canceling the order, I made XXXX payments of {$190.00} ( totaling {$590.00} ) to Klarna. 

XXXX later issued a refund of {$650.00}, which was confirmed on their end. Klarna did not apply the refund to my account after over a month, despite multiple customer service inquiries. I then disputed the XXXX payments with my bank. After the bank reversed those charges, Klarna subsequently charged me the full {$790.00} againwithout notice or authorization. 

I disputed that second {$790.00} charge as well. In total, XXXX payments were returned to Klarna ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I was left paying for a canceled and refunded purchase. 

Instead of resolving this with XXXX, Klarna has continued to attempt charging me for the same purchase. Most recently, on XX/XX/XXXX, Klarna charged me {$390.00}, which I have also disputed with my bank. However, in the event that this charge is reversed and Klarna retains those funds, I want it included in the refund amount I am seeking. 

Total amount overcharged : As of today, Klarna owes me {$1100.00} ( the original {$730.00} overcharge plus the {$390.00} charge currently in dispute ). Despite providing Klarna with my bank statements showing all reversed transactions, they continue to attempt new charges. My Klarna account currently indicates another charge is scheduled in XXXX weeks. 

This situation has caused financial hardship, as my bank account is now overdrawn and I am unable to pay my bills due to repeated, unjustified charges from Klarna. 

Requested resolution : I am requesting a full refund of the {$1100.00} overcharge and for Klarna to immediately stop any future billing related to this canceled purchase. I also ask that the CFPB investigate any errors or issues in Klarnas billing system that may be responsible for this ongoing problem. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-19 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: PA

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I got an inquiry alert in my email and then when I went to to look at the alert there is a hard inquiry from XXXX XXXX I received on XX/XX/year>2025 that I did not do

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 2025-07-19 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX LexisNexis Risk Solutions- XXXX XXXX. XXXX  XXXX XXXX, GA XXXX To whom it may concern I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX Please remove all the other addresses off my report as they are not deliverable to me by the XXXX post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. 
Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
XXXX XXXX  To : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX Re : XXXX XXXX  Account # XXXX DOB : XX/XX/XXXX SSN XXXX Dear XXXX XXXX  I am writing to formally dispute the accuracy and completeness of the mortgage account reported by XXXX XXXX  ( account ending in XXXX ) as it appears on my Experian credit file. 

This tradeline fails to meet the standards of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. The account is marked as Transferred, Closed with a status date of XX/XX/XXXX, yet critical fields remain blank or incomplete, including : Balance Monthly payment Highest balance Recent payment Transferee information ( to whom the account was transferred ) Additionally, the account reports a 30-day late payment from XX/XX/XXXX without any supporting context or history before or after that date. This isolated negative remark, without complete payment history, misrepresents the nature of the account and may mislead future creditors.

These omissions and inconsistencies violate : FCRA 1681e ( b ) Failure to ensure the maximum possible accuracy FCRA 1681i Failure to fully reinvestigate disputed items FCRA 1681g Failure to provide the full details of the transferee or debt holder XXXX XXXX Format Guidelines Omission of required base segment fields REQUESTED RESOLUTION : Immediately correct or delete this tradeline if you can not verify and complete the data according to FCRA and XXXX XXXX standards. 

Provide a written Method of Verification per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Disclose the name and address of the entity to whom the account was transferred.

If this matter is not resolved properly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies under FCRA 1681n and 1681o.

Please respond within 30 days as required by law. 

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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I applied for a vehicle loan through Bank of America and initially requested {$95000.00}. I later negotiated a revision to increase the loan amount to {$130000.00}. At no point during the original application or loan adjustment was income verification requested. 

After I submitted all required documentation and continued performing in good faith, Bank of Americas system suddenly triggered a request for income documentation. I submitted a formal Affidavit of Capacity and Performance, affirming my lawful ability to contract and repay but the underwriting team rejected it, stating they would not accept it, even though I had already progressed through the application in full compliance.

They are now stating that because I signed a general consent form, they are entitled to impose new stipulations including income proof at any time. However, under 15 U.S. Code 1691 ( ECOA ) and 15 U.S. Code 1601 ( TILA ), consumers can not be denied or delayed based on new undisclosed requirements added mid-performance. Consent to share information does not waive my rights to equal treatment or lawful underwriting.

Bank of America is : Changing loan requirements after negotiations and partial approval, Refusing to honor lawful alternative documentation, Denying my application without clear legal basis or written explanation, And operating entirely based on system automation with no manual exception process available.

I am requesting that the CFPB investigate this case for potential violations of : Equal Credit Opportunity Act ( 15 USC 1691 ), Truth in Lending Act ( 15 USC 1601 ), And unfair, deceptive, or abusive acts and practices ( UDAAP ). 

Please request that Bank of America : Provide a manual underwriting review of my application, Offer a written explanation of any denial or delay, And stop applying new income documentation rules retroactively after performance has already begun.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: VA

Complaint narrative:
Between XXXX and XX/XX/year>, I was on medical leave due to severe health complications that severely impacted my ability to manage financial obligations. During this time, I unintentionally missed three consecutive payments on my Discover card. While I acknowledge these payments were late, the delinquency was caused entirely by circumstances beyond my controlhospitalization/treatment that rendered me unable to handle basic tasks. 

Upon recovering, I immediately resumed on-time payments and have maintained perfect payment history since. However, these late marks now unfairly hinder my access to credit, housing, and employment opportunities. Ive contacted Discover multiple times to request a goodwill adjustment given my documented medical hardship, but they refused despite my history as a long-standing customer. 

I respectfully ask Discover to reconsider removing these late payments as a one-time goodwill gesture, as permitted under the FCRA. Many lenders accommodate customers facing verifiable medical crises. Ive attached documentation to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive banked with same bank for over a decade seems money flow is always out of balance I have called after doing my own math and they state sometimes the transactions are pending to show and I keep seeing balance flow differently than from when I calculate - even if its cents its important to me since its my hard earned income to take care of my family I just feel as of its not worth banking here anymore I do not close the account worried it can affect my credit or so, but honestly 2025 might be the last year with em I am currently considering other banks of choice and am not recommending to use Wells Fargo to anyone

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 2025-07-19 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: MN

Complaint narrative:
I am currently disputing a fraudulent account that was added to my credit report as a result of identity theft. The account in question is a XXXX credit card opened on XX/XX/year>, which I did not authorize, open, or use. It has been reported with late payments and a balance of {$830.00}, and it is now closedbut it remains incorrectly listed on my report. 
I became aware of the account while reviewing my credit file and immediately filed an FTC Identity Theft Report and submitted all required documentation under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to all three major credit bureaus ( Experian, Equifax, and TransUnion ) XXXX Despite this, the account has not yet been removed from my Experian report. 
I have formally requested that the item be blocked and deleted, and I am actively working with the Consumer Financial Protection Bureau ( CFPB ) to enforce this correction. I want to emphasize that this account does not reflect my actual credit behavior or financial responsibility, and I am taking every legal and administrative step to correct the issue. 
Please let me know if you would like a copy of the formal dispute letter or any supporting documentation. 
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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
Creditors are reporting inaccurate information from email addresses, previous addresses and previous phone numbers not associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Creditors are reporting inaccurate information from email addresses, previous addresses and previous phone numbers not associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

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 2025-07-19 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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