vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MD

Complaint narrative:
In early XX/XX/year>, I attempted to book a flight through XXXX XXXX using a Klarna one-time card ending in XXXX. On XX/XX/year>, I received an email confirmation for booking number XXXX. However, shortly after, I received a cancellation notice from XXXX, stating the booking was canceled due to non-payment. Notably, this cancellation email did not reference a booking number. 

Given the urgency of my travel, I had no option but to seek alternative arrangements and purchase a new flight. 

Days later, I noticed that Klarna processed the charge anyway, despite the airline indicating the booking was canceled. When I contacted XXXX for clarification, they claimed the cancellation notice I received was not for booking XXXX, but for a different booking number I never received an email or e-ticket for. This was the first time that alternate booking number was ever mentioned to me, and I was not given a refund or booking to match it. 

Feeling defrauded and caught between two parties, I contacted Klarnas customer support expecting protection under their buyer protection policies. Over several emails, I explained the issue, provided screenshots of the cancellation notice, and emphasized that I never received a usable flight, nor confirmation for the alternate booking number XXXX claimed existed. 

Klarna, however, refused to take responsibility, stating that since XXXX offered a flight credit ( not a refund ), Klarna couldnt override the merchants policy. This completely ignored the fact that the booking was invalid, canceled on their end, and that I had no way of using the flight or credit since it was never ticketed or confirmed under my account. 

As of XX/XX/year>, Klarna has : Taken 3 out of 4 installment payments from me, with one payment remaining. 
Refused to issue a full refund. 
Offered only to waive the final payment as a courtesy, which still leaves me paying for a service I never received. 

This has caused significant financial strain and frustration, especially as I acted promptly, followed up with both companies, and provided documentation throughout the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
Consumer Statement Regarding Fraudulent Account IQ Data XXXX XXXXOn XX/XX/year>, an account was opened in my name with IQ Data XXXX XXXX by a previous landlord. I do not owe any money to this landlord or her company. While residing in her apartment, I paid {$50.00} per month, and the remainder of the {$2200.00} monthly rent was covered by my housing voucher through the XXXX XXXX XXXX. 

The landlord has provided a letter of Good Standing to the XXXX XXXX XXXX, confirming that I have no outstanding rent or other financial obligations. Despite my attempts to contact the landlord regarding this account, she refused to discuss the matter or provide clarification, effectively ignoring my concerns. 

I believe this account is fraudulent and inaccurately reported. I am requesting that IQ Data XXXX XXXX and the credit reporting agencies remove this account from my credit history, as it is not a legitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-13 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
XX/XX/year> Received a notification of an unauthorized charge of {$500.00} from XXXX XX/XX/year> Made phone call to XXXX / Wisely Visa to report unauthorized fraudulent charge of {$500.00} Was told I would receive a new card and a response letter that I needed to return XX/XX/year> As per response letter it said I could email my response back to them or mail it. I chose to email it to get the process started faster. 
XX/XX/year> ADP / Wisely sent letter claiming that there investigation found the transaction was legitimate. 
XX/XX/year> Emailed ADP/ Wisely telling them that I am disputing there so called findings that the fact was I did not make that transaction. I also included screen shots of my apple account and that I only have XXXX account. And that account does not even show a {$500.00} transaction. 

I also requested they get back to me and as I am filing a complaint XX/XX/year> I have yet to get a response back from ADP/ Wisely. I have no idea what they based there bad decision on or if someone in there company is responsible. All I know is I never made that so called transaction and they so far are refusing to reimburse me my funds that where taken. All I want is the funds that where taken with a fraudulent transaction. This has caused transactions to be declined when the account was locked and for a short time denying access to what little funds I had left. There bad investigation and lack of response is causing stress and financial hardship as this is my primary payroll pay card. It is not easy to take a {$500.00} loss after an unknown individual accessed my card to make a fraudulent charge. What I would like to see is for my funds to be restored because I never made that transaction. If they want to drag it out then I feel I should be compensated for the stress they are causing me. I expected more professionalism and communication from this well known company not her is the finding and we are now going to pretend you do not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
ONCE AGAIN there is a charge on my credit card that shouldn't be there and Wells Fargo is refusing to do anything about it. No temporary credit, no investigation, no way to get ahold of them. They say only to make a phone call but as someone with a disability I can not always call and would rather send a message but they do not have means for that. This is the FIFTH charge in a matter of months that I am not responsible for and these are totaling XXXX XXXX XXXX  Wells Fargo has yet to do ANYTHING about a single XXXX of them!!! This is blatant theft

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 2025-09-13 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: SC

Complaint narrative:
I demand proof Experian contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated account or delete this fraudulent account, FCRA 611 15 U.S.C 16811 This account is not mine : XXXXXXXX  Account XXXX This account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Including these inquiries 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Despite prior disputes, the following account continues to be reported with clear errors and contradictions in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific discrepancies are as follows : 1. Impossible Future Dates : The balance is shown as updated on XX/XX/XXXX, and the account is reported as {$1100.00} past due as of XX/XX/XXXX. These future dates are impossible, as they extend beyond the current reporting period.

2. Contradictory Status and Balance : The account is listed as a collection account with {$1100.00} past due while simultaneously showing XXXX  % paid off. No payments are reflected in the payment history, which makes this contradictory and misleading.

3. Improper Repeated Collection Notations : The payment summary shows C ( collection ) listed for nearly every month in XXXX and XXXX. Collections are not monthly events but one-time occurrences. Repeated monthly collection notations unfairly inflate the derogatory impact.

4. Missing or Incomplete Creditor Information : The account is labeled only as Debt Buyer with no original creditor or furnisher information provided. Without this, the account is unverifiable.

5. System Error in Consumer Statement : The consumer statement field displays undefined, which shows that Experian failed to properly log my dispute. This is inaccurate and misleading.

6. Conflicting Dates : The status is listed as updated in XX/XX/XXXX, while the balance update shows XX/XX/XXXX. These inconsistent dates further undermine the reliability of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite prior disputes, the following account continues to be reported with clear errors and contradictions in violation of the Fair Credit Reporting Act ( FCRA ). 
The specific discrepancies are as follows : 1. Impossible Future Dates : The balance is shown as updated on XX/XX/XXXX, and the account is reported as {$1100.00} past due as of XX/XX/XXXX. These future dates are impossible, as they extend beyond the current reporting period.

2. Contradictory Status and Balance : The account is listed as a collection account with {$1100.00} past due while simultaneously showing XXXX  % paid off. No payments are reflected in the payment history, which makes this contradictory and misleading.

3. Improper Repeated Collection Notations : The payment summary shows C ( collection ) listed for nearly every month in XXXX and XXXX. Collections are not monthly events but one-time occurrences. Repeated monthly collection notations unfairly inflate the derogatory impact.

4. Missing or Incomplete Creditor Information : The account is labeled only as Debt Buyer with no original creditor or furnisher information provided. Without this, the account is unverifiable.

5. System Error in Consumer Statement : The consumer statement field displays undefined, which shows that Experian failed to properly log my dispute. This is inaccurate and misleading.

6. Conflicting Dates : The status is listed as updated in XX/XX/XXXX, while the balance update shows XX/XX/XXXX. These inconsistent dates further undermine the reliability of the reporting.

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I took out a line of credit with XXXXXXXX XXXX XXXX XXXX. My credit limit is {$4900.00}. The fees and charges on this account are extremely high and far exceed XXXX constitutional usury cap of 17 % APR. 

For example, a {$1000.00} XXXX XXXX is immediately charged a {$100.00} XXXX XXXX  fee, and then a {$100.00} statement balance fee each month if the balance is not paid in full. That means {$200.00} in charges in the first month alone equal to over 200 % APR. At higher balances, the company charges a monthly fee equal to 10 % of the balance, which works out to about 120 % APR even before the upfront advance fee. 

I contacted NetCredit on XX/XX/XXXX to ask if I could repay principal only, since the fees are unlawful in XXXX. They responded same day that they can not settle or adjust for a line of credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
Title 15 subsection 1611. False and misleading denial of my own credit .. Is it possible for me to speak to the underwriter? Or just have them email me back please. 
The entire consumer transaction is predicted on my unlimited credit. How rude XXXX XXXX subsection 1611 says different. Please send this code and message to the underwriter. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I identified inaccurate and unauthorized information being reported on my credit file. I contacted the company on [ insert date ( s ) ] to dispute these items and requested supporting documentation under the Fair Credit Reporting Act ( FCRA ), including proof of debt validation, account-level documentation, and permissible purpose for reporting.

The company failed to provide complete and verifiable documentation as required by law. Instead, I received [ describe briefly what they sent, e.g., a form letter with no proof, no response at all, or incomplete/inaccurate documents ].

This failure to provide documentation violates my rights under FCRA 609, 611, and 615, which require accurate reporting and proper investigation. I am requesting the immediate removal of these unverifiable and unauthorized items from my credit 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 explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I received a text message from XXXX ( XXXX ) XXXX stating that my Chime account was under fraud review and would be closed, and that my remaining balance would be mailed to me in a check within XXXX business days. Shortly after, I received a phone call from chime at XXXX XXXX. The caller claimed to be a Chime representative and told me my checking, savings, and debit card were compromised and needed to be closed for security. They said they would issue me a new card and account number and transfer my money. Trusting this was real, I followed their instructions. I was at work during this time and later messaged a coworker saying someone had emptied my bank account and that I needed to go take care of it. I then contacted the Chime calling back the same number I had received the call from who scammed me I was told they had no record of this activity, and that my account had been compromised. I filed a fraud claim immediately. Chime initially denied the claim, but I provided screenshots of the scam text, call log, and messages proving I was reacting in real time and was misled by someone impersonating Chime. My case has since been reopened. I am requesting that Chime conduct a full investigation and reimburse my stolen funds, as I did not knowingly authorize these actions and was clearly the victim of a fraud scam.

Company response to consumer: Closed with explanation