vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CT

Complaint narrative:
I am filing a complaint against Klarna regarding {$230.00} that I transferred into my Klarna account. 

On [ insert date ], I mistakenly transferred {$230.00} into Klarna, intending to use it for a purchase. However, Klarna would not allow me to use these funds. When I contacted Klarna support, I was told that I could not spend my own money until I built up spending privileges. This effectively blocked me from using the funds at all. 

I then requested a refund. Klarna refused, stating they do not do refunds or withdrawals. As a result, Klarna is holding {$230.00} of my money without providing any product, service, or usable access. 

This is not a purchase. No goods or services were ever delivered. Klarna is unlawfully retaining my money with no way for me to access or use it. 

I am requesting that Klarna immediately release my {$230.00} back to my original payment method. 

Supporting documentation : Transfer proof from XXXX to Klarna. 
Any chat/email screenshots where Klarna admits I can not use the funds and refuses to refund them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-20 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: CA

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
Citibank closed my checking and savings accounts without my consent. I first noticed my accounts were locked on Thursday, XX/XX/year>, and called immediately. I was told to wait XXXX hours for a review. When I called back, I was informed the accounts were permanently closed and that Citibank would no longer keep me as a customer. At no point did they attempt to resolve the issue. 

I requested : -Why the accounts were closed -How much money would be returned from each account -When the funds would be returned -Whether any penalties or fees would apply Citibank refused to answer any of these questions, only stating the funds would be returned within 3060 days. The balances are : Checking : {$28000.00} Savings : {$89000.00} I believe my accounts were flagged because I attempted a wire transfer to WISE for relocating my family to XXXX. I was also submitting forms to add my husband as a joint owner ; Citibank still has these forms. 

My husband and I have spent over XXXX hours on the phone with Citibank without resolution. The total withheld, {$110000.00}, represents a large portion of our net worth, and losing access is creating extreme financial hardship for our family of XXXX. 

I request CFPB assistance to ensure that Citibank : -Returns all funds immediately -Provides a full accounting of balances -Explains the reason for closure -Ensures that no fees or penalties are deducted Given the large amount and hardship, I request that CFPB treat this as urgent. 
I have provided you the savings account number in the fields following this text box. I can provide the checking account number upon request, but I do not see a way to add XXXX account numbers below.

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 monetary relief
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: FL

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-08-20 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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: IN

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 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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Yesterday XXXX I received email from paypal to upload my driver license and the next day I received that my account is permanently closed without any way to remove my money out or any explanation to what is the reason for the account closer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Bank of America Failure to Recover Funds Lost Due to Wire Fraud What Happened : On XX/XX/year>, unauthorized wire transfers totaling {$27000.00} were fraudulently withdrawn from my Bank of America accounts without my authorization. I immediately reported the fraud and filed a claim. 
Bank of America attempted to recall the funds from the receiving bank but closed my case on XX/XX/year>, stating they could not recover the money because the receiving bank did not respond. 
Despite acknowledging the fraud, Bank of America has refused to reimburse me or take further action, leaving me with a complete loss. The banks response appears inconsistent with its obligations under Regulation E, UCC Article 4A, and consumer protection laws, as well as industry standards for fraud recovery.

What I Want : Reopening of my fraud case ; A full explanation of the steps Bank of America has taken ( and failed to take ) to recover my funds ; Immediate reimbursement or provisional credit of the stolen amount ; Assurance that Bank of America will comply with applicable federal and state consumer protection laws regarding unauthorized transactions. 


Supporting Information : Denial letters from Bank of America ( dated XX/XX/year> ) ; My fraud claim reference numbers : XXXX and XXXX Police Report filed with XXXX XXXX XXXX XXXX XXXX  Police Department : XXXX IC3 Complaint Submission ID : 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 2025-08-20 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because TransUnion failed to comply with the Fair Credit Reporting Act ( FCRA ) 611 by not providing the legally required method of verification for disputed accounts. 

Timeline of events : XX/XX/year> I mailed a written dispute to TransUnion regarding inaccurate tradelines on my credit report, including XXXX  XXXX XXXX and XXXX XXXX charge-offs. 
Response : TransUnion responded that the accounts were verified as accurate. However, they did not provide any documentation or the method of verification, only a conclusory statement. 
XX/XX/year> I mailed a 611 Follow-Up Notice demanding the method of verification, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Response to XX/XX/XXXX letter : TransUnion repeated the same generic result ( verified as accurate ) but again failed to provide the method of verification in writing. Instead, they sent me an email with a link, which I was unable to access. They have not provided the required written documentation. 
Status as of XX/XX/year> : TransUnion has still not provided the written method of verification or supporting documentation, despite two requests.

Violation : FCRA 611 requires TransUnion to provide the consumer with the method of verification upon request, including the name, address, and telephone number of the furnisher contacted. A generic verified response and an inaccessible email link do not satisfy this obligation. 

Harm : Because TransUnion has not provided proper verification, inaccurate and unverified information continues to be reported on my credit file, harming my creditworthiness and ability to obtain credit on fair terms.

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 2025-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: ME

Complaint narrative:
Trying to process an XXXX Short Sale With Freedom Mortgage. 

Submitted a complete package on XX/XX/XXXX followed up on XXXX XXXX they wanted a photo ID for XXXX XXXXXXXX XXXX XXXX  and did not want to accept him and his ability to sell the proeprty XX/XX/XXXX called in for update still not accepting him as the ability to sell demanded successor in interest info XX/XX/XXXX spoke with a processor and immediately sent his Identificationo and supporting docs that he has been assigned by probate court to sell this property XXXX emailed estcalation and cited the law that A XXXX  XXXX supercedes the need for a successor since XXXX XXXX XXXX XXXX XXXX court appointed him with the express purpose of selling the property XX/XX/XXXX received email that they had requested info on XX/XX/XXXX -- which was send on XX/XX/XXXX I just called in again on XX/XX/XXXX and no update Statement Regarding Authority of XXXX  XXXX and RESPA Obligations Under Maine probate law, a duly appointed XXXX  XXXX has the legal authority to manage, list, and sell assets of the estate, including real property. This authority is granted by the XXXX XXXX and must be recognized by all parties, including mortgage servicers. 

Further, pursuant to the Real Estate Settlement Procedures Act ( RESPA ) and its implementing Regulation X ( 12 C.F.R. 1024 ), mortgage servicers are obligated to exercise reasonable diligence in reviewing and processing loss mitigation requests. This includes short sales, which must be evaluated and acted upon without unnecessary delay. Servicers must provide timely responses and are prohibited from engaging in conduct that results in undue delays or dual tracking. 

Accordingly, the XXXX XXXX  authority to sell the property is valid under state law, and the servicer is federally obligated to process the short sale request promptly and in good faith.

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