vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
On XX/XX/year>, I received an item ordered through Klarna. A center console for a XXXX.Upon discovering that this manufacturer was in XXXX I immediately asked for cancellation. I made several attempts to cancel the order with the manufacturer but they refused to stop the delivery. Klarna also would not stop the delivery. Upon delivery the charging port of the console did not work. The manufacturer agreed to send out a new one. Took several weeks to arrive from XXXX. After about only two months of very light usage, it started to break apart. The material from the sliding door panels all but peeled away. This is clearly NOT the same leather material shown in the photos on their site. This material is almost as thin as paper. Also, the clasp for the sliding door snapped in two. The cost of the console was {$460.00} .. this was definitely not worth it. I would like a refund. The console will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ORG GC GP BUYER, LLC
State: MI

Complaint narrative:
This Account been closed and settled. It keep showing up on my XXXX  account. 
This account is fraudulent wrong information wrong dates and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2100.00}

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 non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
I am writing to request unauthorized credit inquiry on my EXPERIAN Credit Report. My latest credit report shows 1 credit inquiry that I did not authorize.

I am writing to dispute the following inquiry and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/year>2024 Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
What happened? 

Since I began using Cash App at age XXXX ( I am now XXXX ), I have experienced repeated unauthorized withdrawals and untraceable missing funds on multiple occasions. Despite my attempts to contact Cash App support, their responses were limited or completely absent, and no resolution was ever provided. 

The amounts varied, but over the years, I estimate that I have lost several XXXX dollars due to these unapproved transactions. I reported the incidents through the in-app support and by email, but I never received a full investigation or refund, even when I provided transaction details. 

Cash Apps failure to protect my account and their lack of effective customer support violate the Consumer Financial Protection Act ( CFPA ). Their actions also appear to be in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require timely investigation and resolution of unauthorized electronic fund transfers.

These failures have caused me significant financial loss, especially as a young worker just entering the workforce. I am requesting that the Consumer Financial Protection Bureau investigate this matter and help me receive appropriate redress and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-07-23 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: GA

Complaint narrative:
I am filing this complaint because both TransUnion and XXXX  continue to report an inaccurate charge-off account for XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, showing a charge-off status despite reflecting a balance of {$0.00}. This is not only misleading but a clear contradiction in reporting. If the balance is XXXX, the account has either been paid, settled, or otherwise resolvedand should no longer be classified as a charge-off. Keeping the charge-off status despite showing a XXXX balance implies an unresolved financial obligation, which is both inaccurate and damaging.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they furnish. An account that displays no outstanding balance can not legally or ethically be described as a charge-off. This is a textbook example of misleading reporting that has serious ramifications on my financial credibility. Furthermore, 15 U.S.C. 1681i ( a ) grants me the right to dispute any incomplete or inaccurate information, and once Ive initiated a dispute, the agencies are legally
required to conduct a reasonable reinvestigation. I previously attempted to dispute this misinformation, yet both TransUnion and XXXX  failed to correct it or offer any documentation justifying its continued status as a charge-off. That failure constitutes noncompliance with their obligations under federal law.

This reporting has caused measurable harm. Ive been denied credit card applications and had my interest rates increased based on this negative account, despite it showing a XXXX balance. It has also affected my employment prospects, as one potential employer withdrew an offer after reviewing my credit report. This kind of error isnt just inconvenientit has created stress, damaged my professional opportunities, and impeded my ability to rebuild credit.

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 2025-07-23 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
We were denied a loan modification from PHH mortgage. Despite multiple requests, we were never provided with a copy of the title report. Without access to this critical document, we had no way of knowing what lien ( s ) may have impacted the title or how to address them. The lack of transparency and failure to respond to our repeated inquiries directly contributed to our inability to resolve the issue in a timely manner.

As a result of this ongoing lack of communication, we are now facing foreclosurean outcome that could have been avoided had we been given the necessary information and support.

Since the ongoing lack of communication with PHH Mortgage we have decided to have a mortgage audit completed on our account with PHH mortgage and have discovered other discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and conflicting information reported by XXXX XXXX and appearing in my credit reports with Experian, Equifax, and TransUnion. 
The account, ending in XXXX, shows a reported balance of {$12000.00} and contains inconsistent dates : Account opened : reported as both XX/XX/XXXX and XX/XX/XXXX Last reported : listed as XX/XX/XXXX and XX/XX/XXXX Despite submitting disputes with proper documentation, no correction or investigation confirmation has been provided. This contradicts the Fair Credit Reporting Act ( FCRA ), which requires accuracy and prompt reinvestigation of disputed items. 

I respectfully request CFPB assistance to ensure : XXXX. A complete reinvestigation by all parties involved XXXX. Correction or removal of unverifiable or inaccurate data XXXX. An updated credit report reflecting accurate information Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
This is not a misunderstanding or mistake on my end. My credit report contains inaccurate information that violates the Fair Credit Reporting Acts requirement for maximum possible accuracy. These errors are not only unjustified they are unacceptable and continue to cause me significant harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
XXXXI sent a letter to Experian on XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I requested a reinvestigation regarding erroneous accounts and information on my credit report. I received a response for some of my accounts with the exception of XXXX XXXX XXXX XXXX and XXXX XXXX. I then sent a request to delete the accounts dated XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX that were not addressed in their response to me date XXXX report number XXXX. According to Federal Law 15 U.S.C.  1681i(a)(5)(A) those accounts should be deleted. This a violation of 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Requested 5 Validation of Debt documents from CCS : I received 1 of those documents Subject : Dispute of Duplicate Tradeline - Violation of FCRA 1681c ( f ) Failure to Validate Debt - Credit Corp Solutions ( CCS ) Five ( 5 ) Requested documents to validate debt requested : ( CCS ) provided 1 of 5 which was the itemized account record. The 1 document provided by mail received was not enough proof to determine or validate the debt.

Docs. Requested : 1. Proof I have any legal obligation to pay ( CCS ).

2. A copy of original signed agreement establishing the debt with original creditor, showing that I agreed to pay.

3. Documentation verifying that ( CCS ) is licensed to collect debts Texas.

4. An itemized account record of the amount claimed, including the original principal, interest, and fees.

5. Chain of Title proving ( CCS ) owns the debt and has the right to collect it.

Duplicate Tradeline Reporting : CHARGED OFF AMOUNT {$410.00} CREDIT LIMIT ONLY {$300.00}
Credit Corp Solutions Account # XXXX Alleged Debt Collection : {$410.00} XXXX  Account # XXXX Alleged Debt : {$410.00} CHARGED OFF XXXX XXXX  Account # XXXX Alleged Debt : XXXX XXXXXXXXCHARGED OFF -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Credit Corp Solutions ( Collection Account ) : Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX Status : Reported as " Collection Account '' ( {$410.00} past due ). 

XXXX XXXX XXXX XXXX  ( XXXX ) ( Original Creditor Account ) : Account # : XXXX ( identical number ) Status : Closed/Charged Off ( as shown in my report ). 

XXXX XXXX ( Original Creditor Account ) : Account # : XXXX ( identical number ) Status : Closed/Charged Off ( as shown in my report ). 

Legal Violations : FCRA 1681c ( f ) : Prohibits furnishers reporting same debt multiple times if it misrepresents the consumers obligations.

FTC Commentary : Double/Triple-reporting artificially lowers credit scores and is deceptive ( 16 CFR 660.4 ).

Penalties : Up to XXXX XXXXXXXX per violation + attorney fees ( FCRA 1681n ). 

No evidence of whom is the Original Creditor Account XXXX XXXX XXXX XXXX  or XXXX XXXX? 

Demand : Immediately delete the Credit Corp Solutions if they can not validate the debt.

Delete XXXX and XXXX tradelines of ( Account # XXXX ). Confirm deletion in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate removal of all fraudulent accounts listed on my Experian credit report. These accounts do not belong to me, and their presence is causing ongoing harm to my financial standing and personal well-being. 

As of XX/XX/2025, I am placing Experian on formal notice. If these fraudulent accounts are not removed immediately, I will pursue compensation of {$1000.00} per day for each day the inaccurate information remains on my report beyond this date. This demand is based on principles of equity and my rights under the U.S. Constitution, as well as under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must investigate and correct inaccurate or fraudulent data in a timely manner.

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 2025-07-23 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: TX

Complaint narrative:
On XX/XX/XXXX I have completed paying my XXXX XXXX account. I have been checking my credit report with Trans Union repeatedly and have requested several times to update the information to show closed and XXXX balances. Each time the representative from Trans Union report they dont see that on their end or that they will have it updated. I called XXXX XXXX XXXX and requested that they resend the updated information to Trans Union. According to XXXX XXXX they have resend it on XX/XX/XXXX, the initial date of pay off, On XX/XX/XXXX and again in XXXX when I requested once again they make contact with Trans Union and get it corrected. I have sent Trans Union receipts of updated information and account status. My disputes either misteriously disappeared or they state none was ever disputed by me. Today again I called XX/XX/XXXX and they stated there was nothing else they could do. XXXX XXXX acct number XXXX for date XX/XX/XXXX shows open with a balance and not closed. It has not been updated since XXXXXXXX XXXX XXXXXXXX by Trans Union.

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 2025-07-23 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: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please correct and update the late payments on my credit 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

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 2025-07-23 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: FL

Complaint narrative:
Fraudulent transactions on my transunion credit report inquiries made by someone else XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief