vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NJ

Complaint narrative:
I made a {$250.00} purchase using a Klarna-issued one-time XXXX card. The merchant turned out to be fraudulent and never delivered the goods. I immediately filed a dispute with Klarna, providing proof of fraud. Klarna denied my dispute, stating that because I used a one-time card, I am not eligible for protection. This leaves me without my funds and with no recourse, despite Klarna marketing itself as a safe and secure payment option. 

Details : Transaction Amount : {$250.00} Payment Method : Klarna-issued one-time Visa card Merchant : [ Insert merchant name/website ] Date of Transaction : [ Insert date ] Problem : Merchant fraudulent ; goods/services never received. 

Steps Taken : Filed dispute with Klarna. 

Provided evidence ( order confirmation, merchant fraud reports, etc. ). 

Klarna denied the dispute, citing their one-time card policy. 

Why This Is a Problem : Klarna is operating as a XXXX issuer but is refusing to honor standard XXXX chargeback and zero-liability protections, leaving the consumer without recourse. XXXX policies are misleading because consumers reasonably expect the same protections they would receive when using a XXXX card or traditional credit card. XXXX denial shifts all risk to the consumer, even in cases of fraud. 

Desired Resolution : Full refund of {$250.00}. 

CFPB review of XXXX dispute handling practices for one-time cards to ensure compliance with XXXX rules and XXXX consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ChexSystems, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute and Request for Removal of Unauthorized Information Disclosure Report for XXXX XXXX Dear ChexSystems, I am writing to formally dispute the inclusion of any and all information contained in the disclosure report associated with my name, XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, authorized, and verifiable. I did not authorize ChexSystems to collect, store, or disclose any of my personal, banking, or credit-related information. Therefore, your possession and disclosure of such data is being done without my consent, which constitutes a violation of my rights under federal law. 

I am requesting the immediate removal of all records and history related to me, including but not limited to : Bank account closures Overdrafts Negative banking activity Inquiries made by financial institutions Any and all personal identifying information This is a formal request that you delete all data associated with my name and identity from your databases and my ChexSystems disclosure report. If you can not verify that I explicitly authorized you to obtain, use, or share this data, you are obligated by law to remove it. 

Please provide written confirmation that : My request has been processed, All data has been permanently removed, and My ChexSystems record has been corrected or deleted accordingly. 

This letter serves as notice that if my request is not fully honored within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and consider further legal action. 

Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Alliance, Inc.
State: GA

Complaint narrative:
Re : Request for Debt Validation To Whom It May Concern : I am responding about the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), I am disputing this debt and requesting full validation. 

Please provide the following : The name of the original creditor and the full account number. 

A detailed accounting of the alleged debt, including how the amount was calculated. 

A copy of any judgment ( if applicable ). 

A copy of the original signed agreement or contract creating the obligation. 

Proof that your agency is licensed to collect debts in my state, if applicable. 

Until you provide this documentation, you must cease all collection activities, including reporting the alleged debt to credit bureaus, or must mark it as disputed if already reported. 

Please send your response to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I had fraud with my USAA account and XXXX XXXX account where money from my XXXX USAA checkings accounts were compromised and they disputed transactions I made and then wired the money to my XXXX XXXX account and then they withdrew everything from XXXX to their bank. I have all the supporting documents from both USAA and XXXX XXXX. The amount was around XXXX dollars

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally request deletion of the above-referenced accounts from my credit report. The account in question was the result of unauthorized use of my credit, which I reported to the XXXX XXXX XXXX XXXX XXXX over XXXX years ago. Despite my efforts, I never received the itemized statements I requested in order to pursue criminal charges. Unfortunately, I am now outside the window to prosecute the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
I have had all my loans from XXXX XXXX XXXX XXXX XXXX via Borrowers Defense. On Mohela 's site, 3 loans through XXXX XXXX XXXX XXXX still remain open despite the others being closed, and interest is being charged on these accounts despite the loans being discharged. 

I have contacted Mohela in XXXX and XXXX about this issue and the customer service representative has assured me they have escalated the issue and the loans will be marked Paid in Full so interest doesn't collect on them. As of today, the loans are still open and having interests and fees added to the balance. Mohela is either incompetent in fixing this issue, or doesn't care and I am tired of reaching out to customer service for an issue that should have been fixed and I was told would be fixed months ago, but I am now having to see my balance grow because of Mohela 's mistake

Company response to consumer: Untimely response
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
On XX/XX/year>, I made an international money transfer from a bank in the United States ( XXXX XXXX ) to a bank in XXXX ( XXXX XXXX ) through Remitly. The transfer amount was XXXX USD, which appeared to arrive correctly on the same day, XX/XX/year>. 
However, on XX/XX/year>, the same amount of XXXX USD was deposited again into my XXXX XXXX account. This second deposit was clearly a mistake. On XX/XX/year>, XXXX XXXX withdrew the extra XXXX USD, correcting the error and leaving me with the original transfer amount. 
Despite this correction, on XX/XX/year>, XXXX XXXX withdrew XXXX USD again, leaving me with no funds from the international transfer made through Remitly. When I raised a complaint, neither XXXX XXXX nor Remitly could explain what had happened. XXXX XXXX stated that Remitly had requested the withdrawal, while Remitly confirmed that their records showed the transaction had been successfully completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are significantly impacting my financial well-being. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act and expect a thorough investigation of these inaccuracies, as mandated by federal law. 

It is alarming to note that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Experian, Equifax, and Transunion for their failure to conduct proper investigations into consumer disputes. The CFPB has described these practices as " sham investigations, '' highlighting systemic failures that not only undermine consumer trust but also result in wrongful credit reporting. Practices such as inadequate investigations, reinsertion of previously disputed and inaccurate information without proper explanation, and insufficient notification to consumers about the investigation outcomes are unacceptable. Such shortcomings raise serious concerns that my dispute XXXX also be mishandled. 

Below, I have delineated the specific accounts listed on my credit report that I firmly believe are inaccurate and fraudulent : XXXX XXXX XXXX XXXX {$1000.00} opened XX/XX/year> 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TN

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
there is a debt collection company named Online Information Services that is reporting a collection account that was paid to the original credit that i do not owed a balance to and is reporting that I do not once but twice on all three of my Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have paid my total bill amount that included late fees multiple times but Wells Fargo has Improperly applied my payments and I still have the late fees that were supposed to be paid. They have given me multiple excuses as to why they didn't apply the payments correctly. Not one of the customer service reps gave me the same reason for the Improperly applied payments. One customer service rep told me that I had to call in to pay the late fees. This is not Stated anywhere on their statement or account billing web page. 

On XX/XX/2025 I paid the total bill amount of {$430.00} which included the late fees per my Statement. The late fees continued to be on my bill. 

On XX/XX/2025 I paid the total bill amount of {$610.00} which included the late fees per my Statement and now my new bill still has the late fee charge of {$280.00}

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 monetary relief
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am currently in debt with Capital One with a debt of about $ XXXX. About a year ago now I moved and had to rely heavily on my card, and I was out of a job for a month. At this time I wasnt able to pay anything or receive any sort of payment while I was out of work. This is the same for my XXXX credit card, which I was successfully able to get a payment plan for which XXXX. I have contacted Capital One multiple times for a hardship and they have said that it is not available to be with no explanation behind it. I then switched to a nonprofit debt repayment program ( XXXX XXXX XXXX XXXX  ), to which they rejected their terms with XXXX explanation or reason. The interest is too high and I dont make enough to pay off minimum which they have raised to almost {$800.00}. And the interest is maxed out. I have no clue what else to do, and they wont budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Incorrect information on credit report Collection account reported inaccurately. 

Details : Original Creditor : Caine & Weiner Date Opened : XX/XX/year> Reported Balance : {$1100.00} Remarks : Placed for collection Problem : This account has been reported as a collection without proper documentation. The reporting is inaccurate, incomplete, and unverifiable, especially given the age of the account. 

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum accuracy ; reporting unverifiable or outdated accounts violates this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers can not knowingly report inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Once disputed, the furnisher must investigate and delete unverifiable accounts.

15 U.S.C. 1692j : Attempting collection without proof of ownership, signed agreement, and itemization is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: KS

Complaint narrative:
Upon my review of my consumer reports it has come to my attention that you ( Department Of Education ) are reporting an account/ accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2

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