vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am formally disputing inaccurate and incomplete information reporting on my credit file in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) including Sections 602 ( A ), 605 ( A ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). After reviewing my report, I identified errors that do not meet the federal requirement of maximum possible accuracy and must be corrected or deleted if not fully verified with documented evidence.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> Under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report information that is inaccurate or can not be fully substantiated. I request to validate the ownership, balance accuracy, dates, original contract, charge-off calculation, and full payment history directly with the original creditor not with a third-party system or assumed data. If can not provide verified and documented proof supporting this listing, then it must be deleted under FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-11-20 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: IL

Complaint narrative:
Issue : Klarna will not verify my identity, which completely prevents me from using their service. In addition, the Klarna app displays false information about supported banks. 

Complaint : I am submitting this complaint because Klarna has failed to resolve a basic issue regarding identity verification. For several weeks, I have been unable to verify my identity through the Klarna app. Because of this, Klarna will not process any transactions for me at all. I have contacted Klarna support multiple times, but they have not provided any meaningful assistance or a working solution. 

The app also contains misleading information. Klarna claims to support multiple banks that are listed inside the app. My bank is one of the banks listed as supported, but the app will not connect to my bank account no matter how many times I try. Klarna customer service has not fixed this issue or explained why the app shows my bank as supported when it clearly does not work. 

As a result of these problems, I can not use Klarna for any purchases. The company refuses to properly address the identity verification issue or correct the inaccurate information about supported banks. I believe this is misleading to consumers and prevents fair access to their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

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 2025-11-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2600.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/year> Company : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Product : Checking or savings account ( brokerage cash balance ) Issue : Money was not available when promised Complaint Details : I am a U.S. resident. XXXX XXXX XXXX suddenly and permanently closed my brokerage account # XXXX on or XXXX XXXX  without warning, without explanation, and without giving me any chance to fix any alleged problem. 
After the forced closure : XXXX liquidated all my positions. 
As of XX/XX/year> ( more than XXXX business days later ), XXXX has refused to send my money back to my linked XXXX XXXX  account. 
The total amount owed is approximately USD $ [ exact or approximate amount ]. 
XXXX has provided no estimated transfer date despite repeated support requests ( Case # XXXX ). 
This is an illegal withholding of my own money. XXXX is violating : SEC Rule 15c3-3 ( prompt return of customer funds ) FINRA Rule 11870 ( 3 business days maximum for residual cash ) Basic consumer protection laws What I want : 1. Immediate wire transfer of the full remaining balance to my bank account within 24 hours.

2. Compensation for any fees or damages caused by this delay. 
I already filed a parallel complaint with FINRA today ( XX/XX/year> ). I am escalating to CFPB because XXXX is deliberately holding U.S. consumer funds hostage.

Thank you for your immediate attention. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3700.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Please consider deleting this account because when I paid the account I understood it was for paid for deletions. The status shows three different things. It is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged debt.

* Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

* Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. I submitted multiple disputes with clear evidence that the accounts were reporting incorrect data, including charge-off accounts still showing balances, missing payment history, and accounts with no creditor contact or validation. Despite this, Experian labeled each dispute as verified without conducting a reasonable investigation as required by FCRA 15 U.S.C. 1681i. I was never contacted, no documentation was provided to verify the debts, and the furnisher failed to validate the accounts. Experian is willfully reporting inaccurate information and refusing to correct or delete accounts that can not be verified. I am requesting the CFPB to investigate Experian for failure to meet its legal obligations, failure to conduct a reasonable reinvestigation, and continued reporting of inaccurate information that is harming my creditworthiness. 


Disputes : XXXX on the XXXX of XX/XX/XXXX on the XXXX of XX/XX/XXXX on the XXXX of XXXX Ive tried correcting my report with the use of federal laws about account charge offs, DOFD inaccuracy, failure to contact me about a debt but reporting it to a credit reporting agency to which Experian just updates the account, calls it accurate, or refuses to investigate appropriately. Some of these accounts are tired to names and addresses that arent mine but Experian refuses to abide by federal laws

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
There were money changers on my statements that I did not make on my credit card I had to get several new ones and also my debit cards that I still have to replace

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-11-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello i pulled my credit report and i have noticed some incorrect information that's being reported on my credit. Also information that is on my back ground is over 7-10 years old and is still on my credit report. I ask if you will remove all incorrect information about myself 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 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

KXXXX XXXX  XXXX XX/XX/year> -- {$310.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/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 2025-11-20 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 am writing to formally dispute inaccurate information that appears on my Experian and TransUnion credit report regarding a collection account with XXXX account number XXXX, originally from XXXX XXXXXXXX XXXX with a reported balance of {$3100.00}. This account is being reported inaccurately and does not reflect the correct status, balance, or payment history. Despite my previous dispute, this account remains on my credit report without correction. 
According to my records, the reporting of this collection is inconsistent with information provided by the original creditor and does not accurately represent my financial history. The account details, including balance and payment activity, are incorrect, and there is no verifiable documentation provided to support this reporting. Reporting inaccurate collection information has a direct negative impact on my creditworthiness, and I am requesting that Experian conduct a thorough reinvestigation of this account. 
I am requesting that Experian verify this account directly with XXXX and XXXX XXXXXXXX XXXX  to confirm the accuracy of all reported details, including balance, payment history, and account status. Any information that can not be verified must be removed immediately from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA 605 ( a ), 607 ( b ), 609 ( a ), 611 ( a ), 611 ( b ), 623 ( a ), and 623 ( a ) ( 5 ) ). Accurate reporting is essential to maintaining the integrity of my credit file and ensuring that my creditworthiness is properly represented.

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
The debt collector, IC systems, contacted a third party about my debt owed to XXXX XXXX. They shared not only the amount due but my full name and address to said third party.

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 2025-11-20 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a dispute regarding an alleged debt that is being reported and/or collected. I am requesting a full investigation and validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The information being furnished about this account is unverifiable, inaccurate, and not validated. I am requesting that the company provide : A complete itemized breakdown of the alleged balance A copy of the original signed contract or agreement bearing my signature Proof of ownership or assignment of the debt The name and contact information of the original creditor The date of first delinquency ( DOFD ) being reported Documentation showing the company has the legal right to collect this debt As of now, this debt has not been validated according to federal requirements. Until proper validation is provided, this account should not be reported, collected, or verified as accurate. 

If the company can not fully validate the debt, I am requesting that the account be deleted from all credit reporting agencies and that all collection activity cease immediately. 

I am exercising my rights under FDCPA 15 USC 1692g and FCRA 15 USC 1681i. I am requesting a full investigation and removal of any information that can not be verified within the required time frame.

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 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: FL

Complaint narrative:
am submitting this complaint because the private student loan I originally held with XXXX for XXXX XXXX in XXXX  has been transferred to MOHELA, and XXXX indicated that all questions about the loan must now be handled by MOHELA directly. 

I am requesting a full review and validation of this loan due to concerns about misleading marketing and deceptive practices. I am still playing this loan and it has grown to over XXXX despite already paying off the original loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/year> -- {$84.00}

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 2025-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/year> XXXX  XXXX # XXXX -- -- Opened:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-20 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: MS

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation