vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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:
I am submitting this complaint regarding a student loan that appears on my credit report and is being serviced by [ DEPT OF ED/XXXX  ], which I believe was added in error and potentially in violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 
I have never authorized this loan, did not receive any funds from it, and do not recall signing any loan documents or promissory notes. Additionally, I may not have been enrolled at the associated institution when the loan was allegedly disbursed. 
I have contacted both the credit bureau ( s ) and the loan servicer, requesting validation of the debt and documentation proving my enrollment and consent. To date, I have not received sufficient documentation to support the legitimacy of this account. 
I believe this student loan may have been taken out without my knowledge or was reported inaccurately, and that my educational records or personally identifiable information may have been misused or shared without my proper consent. 
I am requesting that the CFPB investigate this matter thoroughly. Specifically, I ask that the servicer be required to : Provide valid and signed documentation of the loan ( including promissory note and enrollment verification ) Remove the account from my credit report if it can not be validated Cease all collection and reporting activity related to this account until the matter is resolved This situation has caused significant damage to my credit and financial standing. I respectfully request that the CFPB hold the loan servicer accountable and ensure my consumer and educational privacy rights are protected under FERPA and FCRA. 
Thank you for your assistance in 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 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
My mortgage was sold to a new company that new company turned around and repaid my homeowners insurance, my flood insurance and my property taxes and then contacted us to tell us we were short {$17000.00} and then our mortgage payments were going to go from XXXX up to XXXX a month we were on auto pay. They managed to get one XXXX out of me. I took my account immediately off, so they couldnt keep doing that to me. I dont have that kind of money to shell out. I spent hours on the phone never received any paperwork looking at the paperwork here never received a representative. Told me that my mortgage was modified to XXXX a month which is really pushing it. I am on XXXX  XXXX for XXXX and now on XXXX, I require home Home. Ive lived in for the last 54 years. My husband is on XXXX turning into full-time short-term XXXX. And is unable to walk or work. I ask that you reach back out to new Rez and have them send me this paperwork and let me have my modification and XXXX let it go back on to automatic withdrawal and we can be done with it. I have health issues. My mother is sick. My husband is sick. Im sick. I just got out of the hospital I cant deal with this XXXX please help I beg you please help. This is a family home my children of the fourth generation to live in the house. I grew up here and would be out for devastating for me to lose my home over mistakes for the escrow account thank your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
I have multiple charge off accounts on my credit report that I have been dealing with I have no knowledge of these accounts ' multiple things on my credit report are inaccurate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that you conduct a reasonable investigation of any inaccurate accounts with in 30 days.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am writing to file a formal complaint against multiple debt collection agencies who have been attempting to collect on purchased debts within the State of Michigan, despite not being licensed, bonded, or authorized to operate in this capacity per Michigan regulations. The agencies named below have violated my consumer rights by continuing collection attempts via phone and mail, and in some cases, engaging in harassment and intimidation. 

The details of the agencies and accounts involved are as follows : * * Portfolio Recovery Associates , LLC * * Address : XXXX XXXX XXXX, XXXX, VA XXXX Creditor ( s ) : - XXXX XXXX XXXX XXXX. | Account Ending : N/A | Alleged Balance : {$1500.00} - XXXX XXXX XXXX XXXX XXXX. | Account Ending : N/A | Alleged Balance : {$810.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
My wallet with my ID an bank cards got stolen along with my phone and my note book with all my password in it. My Chime account was hacked an XXXX was spent and they only paid me back XXXX and they are denied the rest of the money being sent back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$23000.00}, XXXX XXXX XXXX Balance {$26000.00}, XXXX XXXX XXXX XXXX {$12000.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX XXXX {$63.00}, XXXX XXXX  XXXX XXXX Balance {$540.00}, XXXX XXXX XXXX Balance {$710.00}, XXXX XXXX XXXX Balance {$8000.00}, XXXX XXXX XXXX Balance {$440.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$23000.00}, XXXX XXXX XXXX Balance {$26000.00}, XXXX XXXX XXXX XXXX {$12000.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Balance {$720.00}, XXXX XXXX XXXX {$63.00}, XXXX XXXX  XXXX XXXX Balance {$540.00}, XXXX XXXX XXXX Balance {$710.00}, XXXX XXXX XXXX Balance {$8000.00}, XXXX XXXX XXXX Balance {$440.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-07-13 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: GA

Complaint narrative:
Please assist me.. I am reaching out to CFPB due to fact Transunion has never done investigation of the following accounts .. I have provided documentation to support my claim in reference to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not show account # to have these accounts removed ... Every time I call Transunion, I am transferred to a department call specialist handling in which they never answer and when they do after holding for over hour they ask for your email and phone number, phone call drops and they never call me back .. But they ask for your number in case call drop they will call u back.I have never recieve response in the mail for any of my disputes file with Transunion .. It has been a nightmare dealing with this credit agency .. I have not been able to obtain credit to start a business and buy a home for my family.. I am a single parent trying to get justice for inaccurate false misleading information on my credit report .. I have provided supporting documents to Transunion several times in which they told me once they receive my supporting documents my issue will be corrected or deleted from my file according to the document.. but they never do .. I need CFPB to assist with resolving 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 non-monetary relief
Consumer complaint received 2025-07-13 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: AR

Complaint narrative:
I am writing to formally notify you that I have filed a complaint with the CFPB requesting that, under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), [ Credit Bureau ] block the fraudulent accounts listed below from my credit report. These accounts were created fraudulently as a result of identity theft. Per legal requirements, this action must be completed within four ( 4 ) business days of receiving this notice. 

Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX balance {$1000.00} date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance {$520.00} date opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX balance {$2200.00} date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX balance {$1000.00} date opened XX/XX/XXXX. 
XXXX XXXX XXXX XXXXK XXXX XXXX balance {$100.00} date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX balance {$430.00} date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX balance {$160.00} date opened XX/XX/XXXX These fraudulent accounts have caused inaccurate charge-offs, late payments, and collections to appear on my credit report. I did not authorize or open these accounts and do not recognize them as legitimate. 
Attached to this letter is a copy of the FTC Identity Theft Criminal Complaint to support my claim. Under the provisions of the FCRA and FDCPA, I demand the immediate removal of these fraudulent items from my credit file and the cessation of all associated collection activities. 
It is a violation of federal law to report unverifiable information. I request documented proof of my liability for these accounts, as outlined in 15 U.S.C. 1692g. Furthermore, the unauthorized use of my personal information violates 15 U.S.C. 1681b. These actions have caused me significant emotional distress. 
If you are unable to provide valid documentation, you are legally required to block and remove these accounts from my credit report. Failure to comply will result in additional violations of the FCRA and FDCPA. 

Action Requested : 1. Remove and block all disputed accounts from my credit report within four ( 4 ) business days of the date of this letter, XX/XX/XXXX. 
2. Provide written confirmation of these actions within seven ( 7 ) business days.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed a dispute with Experian on XX/XX/2025 because my wages were garnished but the original amount reported to Experian was different from the amount that was submitted to the judge for the civil suit. I provided Experian with all the relevant documentation including the documents I received from the courts showing the amount owed. In the attached court order the original amount is {$2900.00} but the original amount reported on Experian is {$2700.00}. I shared this information with my dispute on XX/XX/2025. Also a dispute that I file last year where I paid for the services and I provided proof of payment via bank statement and still my dispute was denied.

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 2025-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had my information leaked onto the dark web years ago, from a data breach from XXXX. Ive since had XXXX or more credit cards that I did not file for prior to the year 2024 end up in collections which was not me and I was unaware of my identity being used. I had paid for a credit card that was in collections not knowing it was not my debt but someone else using my identity and I had paid for they wrongful doing with my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXXOLLO CARD SERVICES have furnished this account as a charge off / collection you are in violation of the Fair Credit Reporting Act 15 USC 1681.The IRS defines a Charge Off as cancelled debt. When a debt is cancelled a FORM 1099C must be issued. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Delete the following account from my consumer reports : XXXXOLLO CARD SERVICES XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a student loan that appears on my credit report and is being serviced by [ DEPT OF EDXXXX XXXX ], which I believe was added in error and potentially in violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 
I have never authorized this loan, did not receive any funds from it, and do not recall signing any loan documents or promissory notes. Additionally, I may not have been enrolled at the associated institution when the loan was allegedly disbursed.

I have contacted both the credit bureau ( s ) and the loan servicer, requesting validation of the debt and documentation proving my enrollment and consent. To date, I have not received sufficient documentation to support the legitimacy of this account.

I believe this student loan may have been taken out without my knowledge or was reported inaccurately, and that my educational records or personally identifiable information may have been misused or shared without my proper consent. 
I am requesting that the CFPB investigate this matter thoroughly. Specifically, I ask that the servicer be required to : Provide valid and signed documentation of the loan ( including promissory note and enrollment verification ) Remove the account from my credit report if it can not be validated Cease all collection and reporting activity related to this account until the matter is resolved This situation has caused significant damage to my credit and financial standing. I respectfully request that the CFPB hold the loan servicer accountable and ensure my consumer and educational privacy rights are protected under FERPA and FCRA. 
Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have multiple charge off accounts on my credit report that I have been dealing with I have no knowledge of these accounts ' multiple things on my credit report are inaccurate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that you conduct a reasonable investigation of any inaccurate accounts with in 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: LA

Complaint narrative:
I have multiple charge off accounts on my credit report that I have been dealing with I have no knowledge of these accounts ' multiple things on my credit report are inaccurate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires that you conduct a reasonable investigation of any inaccurate accounts with in 30 days.

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 2025-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: MN

Complaint narrative:
Over the past nine months, I have attempted to make more than 40 purchases using Klarna, all of which were declinedeven when I selected the " pay in full '' option. My credit score has ranged between XXXX and XXXX, and no clear explanation for the denials was ever provided. 

On one occasion, Klarna prompted me to top up my Klarna balance with {$50.00} during a transaction that appeared to be approved. That transaction was ultimately declined, and since then I have been unable to access or use the {$50.00} balance. Klarna has not refunded it or explained why it remains unavailable. 

Additionally, I was charged {$19.00} for a failed purchase. I initiated a support request for a refund more than 20 business days ago and have followed up more than 26 times. Each time, I was told to wait XXXX hours. No action has been taken and no refund has been issued. 

Ive also experienced ongoing technical errors with Klarnas identity verification platform, which prevented me from completing the process. Despite repeated attempts to get assistance, Klarna support continued to cite incomplete verification as the reason for declined transactions, even though the issue was due to their platform error. 

I asked for contact information to escalate my complaint in writing. Klarna refused to provide an email or physical mailing address, which obstructs my right to file a formal dispute under U.S. law ( including the Fair Credit Billing Act and Electronic Fund Transfer Act ).

This has cost me both money and significant time. I still have no access to the {$50.00} I prepaid, no refund for the {$19.00} charge, and no resolution. Im filing this complaint to request enforcement action and intervention.

Company response to consumer: Closed with explanation