vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
On XXXX screen, it shows very low payments and interest with a disclaimer this doesnt apply to everyone. This appears to be a finance menu, showing different terms and options. 

After selecting XXXX set of terms, the interest rate jumps from estimated XXXX XXXX APR to XXXX XXXX interest as you navigate from the menu to the final payment screen. On that screen, there is a button that says change where it shows you EXAMPLE payment terms, not ACTUAL payment terms. The app does not show you the actual approval at all in the menu. It withholds that information until checkout. Even if the menu terms are confirmed to be unavailable, navigating into one plan and then back to the unavailable one, it will show as available again until the disclosure shows up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. XXXXi, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 

XXXX. XXXX XXXX - Unverified Account

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 2025-07-20 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: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. XXXXg I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. XXXXi, all unverified accounts must be promptly deleted. 
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 

XXXX. XXXX XXXX - Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
: I am filing an identity theft complaint against the credit bureaus for continuing to report fraudulent accounts despite receiving a valid FTC Identity Theft Report. These accounts were not opened, authorized, or used by me. 

I have submitted the full identity theft packet to Equifax, XXXX and Experian, including : My FTC Identity Theft Report ( Report # : XXXX ) A signed personal statement My photo ID and proof of address A formal dispute letter requesting permanent deletion under FCRA Section 605B The following accounts must be permanently removed : XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX$470.00} According to FCRA 605B, the bureaus are required to block these accounts within XXXX business days of receiving valid identity theft documentation. I am requesting immediate deletion and written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed off my credit report within 4 days of receiving this ftc report. I have provided all the documentation multiple times they failed to investigate and remove these fraudulent accounts and also address that are not mine I have also attached a Bill with my address and name with my Identification to verify myself with the ftc report to have these accounts and addresses removed from my credit profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DoFed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DoFed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, XXXX XXXX XXXX XXXX XXXX Fl 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 2025-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
on XX/XX/XXXX a payment of XXXX was sent to gateway while this account was still in an active XXXX XXXXXXXX all that was asked of gateway was to apply the large payment to the existing principal of the loan. 
on XX/XX/XXXX this XXXX XXXX  was dismissed, however we were sending payments directly to XXXX not through the payment plan of the XXXX XXXXXXXX. 
how they got this account into this bad of shape i will never know. 
we started getting bills that indicated next payment dates that were in the future, in fact the current bill shows due XX/XX/XXXX. 
the payment history is another issue, it reads like heiroglyphics, i cant tell what is what. 
please have them get this account under control and corrected. 
also, have them correct the credit reporting of this account with the 3 organizations that are responsible for the credit reporting. 
respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported on my credit file by XXXX XXXX, account number ending in XXXX. 

The account was charged off in XX/XX/XXXX, but your records show a repeated CO notation every month through XX/XX/XXXX, which constitutes illegal re-aging of a charged-off debt. Under the FCRA ( Fair Credit Reporting Act ), charge-off status should only be reported once, and the Date of First Delinquency should not be updated due to subsequent payments or activity. 

This reporting artificially extends the derogatory impact on my credit profile, manipulates credit scoring models, and violates XXXX XXXX and FCRA standards. Please initiate an investigation and remove all subsequent CO notations past XX/XX/XXXX, correct the payment history, and ensure the charge-off is not re-aged or extended beyond legal reporting limits. 

Please delete from credit report.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX  handling and denial of a {$1000.00} dispute, despite my having provided substantial evidence that I am entitled to a refund. 

On XX/XX/year>, I purchased an engagement ring from a company called XXXX XXXX. I initiated a return on XX/XX/year>, and sent the unworn item back on XX/XX/year>. The merchant confirmed receipt of the ring and acknowledged that the refund was being processed. However, as of todayover XXXX months laterI have not received the refund. 

I filed a formal dispute with Chime, providing multiple forms of documentation including : Screenshots of communications with the merchant confirming the refund Proof of delivery showing the ring was returned and received A copy of the original purchase receipt Despite this clear evidence, Chime denied the dispute and has not offered any meaningful explanation or path forward. I have followed up with them multiple times, yet there has been no resolution, escalation, or transparency in the process. I am now out both the item and the {$1000.00} that was charged to my Chime account. 

This situation is not only financially harmful, but also reflects a lack of accountability on XXXX part in honoring their dispute resolution obligations. I am urgently requesting that the CFPB investigate this matter and help ensure that Chime corrects their decision and honors the protections afforded to consumers under federal law. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : Final Legal Dispute XXXX XXXX  Account # XXXX {$7500.00} Charge-Off To Whom It May Concern, This serves as a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding the following account that is being illegally and inaccurately reported : Creditor : XXXX XXXX  Account # : XXXX Balance : {$7500.00} Status : Charge-Off This account has not been properly validated, and your continued reporting of this item without full documentation constitutes willful noncompliance with federal consumer laws. 

Key Legal Violations and Failures : This account is marked as a charge-off, yet I have not received IRS Form 1099-C. If the debt was truly forgiven, such documentation is required by federal tax law. If it wasn't, the charge-off status is inaccurate and misleading. 

I previously requested verification, but you have failed to provide : The original signed contract with my wet signature A complete billing and payment history A flow sheet or communication trail showing how this account was verified The name, title, and contact info of the person who allegedly verified the account Legal authority showing you can report this account A copy of the 1099-C if any debt was discharged Do NOT send a generic verified letter without the above documentation. 
Do NOT use the XXXX system, which violates 15 U.S.C. 1681i by failing to conduct a reasonable investigation. 
Experian is known to use XXXX to auto-dismiss disputes. You are now legally on notice this is unacceptable. 
You Have XXXX Calendar Days to Comply : If you can not validate this debt, then you must immediately delete this account from my credit file. 
If you continue to report unverifiable data, I will take the following legal actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report your noncompliance to the Federal Trade Commission ( FTC ) Submit a grievance to the XXXX  Attorney Generals Office Initiate binding arbitration under XXXX  per the FCRA and any applicable arbitration clause Pursue civil litigation for damages under 15 U.S.C. 1681n and 1681o FINAL NOTICE : If you can not prove it, then by law, you must remove it. 

If you claim this charge-off is valid, you are required to prove it with legal documentation and the identity of the individual who verified the account. 

If not, I will move forward with XXXX  arbitration and seek monetary compensation for the harm caused. 

Govern yourselves accordingly. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : LVNV Funding LLC P.O. XXXX XXXX XXXX, SC XXXX RE : Final Demand for Immediate Deletion Account # XXXX ( {$910.00} ) and # XXXX ( {$1400.00} ) Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I previously submitted a request for full and complete validation of the following accounts you are reporting : LVNV Funding Account # XXXX {$910.00} Collection LVNV Funding Account # XXXX {$1400.00} Collection LVNV Funding LLC Duplicate reporting of both accounts listed above To date, you have failed to provide the legally required documentation. Let me be extremely clear : A bill is NOT validation. A final statement, balance summary, or printout does not satisfy federal validation requirements. 
You are willfully reporting these accounts to the credit bureaus without meeting legal validation obligations, which is a direct violation of federal consumer protection laws and a serious infringement on my rights. 

I now demand the immediate production of the following : A copy of the original signed contract bearing my wet signature A complete billing and payment history A flow sheet or legal chain of assignment showing how you acquired the right to collect on this alleged debt A binding purchase agreement or contract showing transfer of ownership Proof of licensing to collect debts in the State of Illinois Do NOT reply with a generic letter stating the account is " verified. '' That is not acceptable under the law. If you can not provide the documents above, you are in violation of 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i ( a ).

If you fail to comply, you are required to : Delete these accounts from Equifax, Experian, and TransUnion immediately Cease all collection and credit reporting activities If you fail to respond appropriately within 15 calendar days, I will proceed with the following : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting your conduct to the Federal Trade Commission ( FTC ) Submitting a grievance to the Illinois Attorney Generals Office Filing civil litigation under 15 U.S.C. 1681n and 1681o seeking statutory, actual, and punitive damages This is your FINAL NOTICE. If you can not prove it, then by law, you must remove it. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- -XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian money put a block and a restriction on my debit card and my account because there were too many transactions that were suspicious to them, but all of the transactions were made by me I have been unable to access my money or use my account because they continue to put a block and a restriction and failed to lift it to date. They never contacted me to verify if those transactions were legitimate, they only assumed and kept the block on my account. 
They wouldnt even allow me to link my XXXX XXXX to my XXXX XXXX, and that caused another hardship because I was unable to get cash to pay my bills with my money, but they encourage you to send your direct deposit to your account in which I did and was unable to use my account Freely because it was constantly blocked and I was told to wait 48 hours XXXX XXXX within a two week period they would pick and choose what transactions they would allow to go through and they would decline. All the rest will be no choice but to skip out paying bills or borrow money, they said they would investigate. They also said that they would escalate this issue which never happened. I have never been contacted by Experian for anything including what they so-called escalated. Yep, Im still dealing with the same issues for two weeks now.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
A fair resolution to this issue is : Immediately and permanently delete the fraudulent accounts and unauthorized inquiries related to the identity theft reported under my Social Security number ending in XXXX. 

Block all identity theftrelated information from my credit file within XXXX business days of receiving my documentation, in accordance with 15 U.S.C. 1681c2. 

Provide written confirmation that the following items have been removed and blocked : All unauthorized credit inquiries Any accounts opened or linked to the identity theft incident Send me a corrected and updated consumer report reflecting these deletions. 

Ensure that I do not receive another stall letter or generic response, as this matter has already been raised with all proper documentation provided, including : Government-issued ID Social Security card Proof of address FTC Identity Theft Report If these actions are not completed within the timeframe permitted by law, I will move forward with formal complaints to the CFPB, FTC, XXXX, and my state Attorney General, and reserve the right to seek legal relief under FCRA 616 for damages.

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