vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: UT

Complaint narrative:
On XX/XX/XXXX, I opened the Klarna app while reviewing my accounts to pay off remaining balances before my scheduled XXXX. The app showed I owed {$110.00}, so I paid it. However, I noticed that the balance never cleared in the app. I reached out to Klarna via live agent chat and began investigating. 

While searching for payment confirmation in my email, I found prior emails from Klarnas collections partner, XXXX, confirming that I had already paid this balance in fullback in XX/XX/XXXX. I informed the Klarna support agent ( XXXX ), who escalated the case to XXXX. I provided screenshots, account numbers, and proof from XXXX, but Klarna said this wasnt sufficient and needed to investigate. 

From XX/XX/XXXX to XX/XX/XXXX, Klarna delayed resolution until they finally admitted that I had, in fact, paid this balance through XXXX. At this point, I requested a refund of the {$110.00} that I unnecessarily paid on XX/XX/XXXX due to their false in-app balance. 

Klarna then admitted that their app incorrectly showed the amount as overdue800+ days oldand even acknowledged that it likely misled me into making the duplicate payment.

They said they issued a refund, but it was sent to a card number I do not recognize, have never added, and did not authorize. Klarna never verified this card with me prior to issuing the refund, and when I explained that the card was not mine, they told me to contact my bank and retrieve documentationdespite this being a mistake entirely on Klarnas end. 

At the time of this complaint, I am recovering from XXXX XXXX and under doctor-ordered driving restrictions, so I can not even visit my bank if I wanted to. This entire situation has caused unwanted stress, XXXX, and disruption to my healing process. 

Attached evidence includes : Email confirmations from XXXX XXXX of the false Klarna balance ( 800+ days overdue ) Live agent chat Bank transaction showing I paid Klarna {$110.00} on XX/XX/XXXX Bank history confirming no refund was received Email threads with Klarna support admitting to the duplicate payment and refund error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-05 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-05 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-05 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: TX

Complaint narrative:
I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft, PLEASE BLOCK ANF REMOVE these accounts and inquiries from my consumer 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae charged off my debt, then sold it to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote a letter to Sallie Mae requesting an IRS 1099-C to file the debt as income on my income taxes. They never responded. Sallie Mae still lists themselves as the debt owner on my Experian, Equifax and Transunion XXXX XXXX although they have charged off the debt and sold it. Upon requesting a XXXX from Sallie Mae XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX the 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Date : XX/XX/year>XXXX  Re : Formal Dispute of Inaccurate Late Payment Reporting under the FCRA and FDCPA To Whom It May Concern, I am formally disputing the reporting of a late payment on my credit report associated with the account listed below. This dispute is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan, Credit Card ( 2 ) Date ( s ) of Alleged Delinquency : XXXX Credit Report Source : Equifax, Experian, TransUnion Dispute Details : Upon reviewing my records, I have determined that this late payment is : Inaccurate Unverifiable Potentially misleading or outdated under the terms of the FCRA Under FCRA 1681i and 1681s-2 ( b ), you are required to : Conduct a reasonable investigation of this dispute Correct or delete any information found to be inaccurate or unverifiable Notify all applicable consumer reporting agencies of any updates or deletions If this late payment can not be fully verified with original documentationsuch as detailed billing statements, signed contracts, or a complete payment historyit must be removed from my credit file. 

Required Actions : I hereby request that you : 1. Conduct a full reinvestigation of the late payment entry 2. Provide documentation validating the accuracy of this report 3. Delete or correct the entry if validation is not provided 4. Confirm your findings and actions in writing within 30 days as required by law If you are a third-party debt collector, this also constitutes a request for debt validation under FDCPA 1692g ( b ). Collection efforts must cease until proper verification is provided.

Notice of Rights and Intent : Please be advised that failure to comply with your obligations under the FCRA and FDCPA may result in regulatory complaints and legal action. I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office if this matter is not resolved within the required timeframe.

Thank you for your prompt attention to this matter. I expect a written response within 30 days as required by law. 


* I have attached documents needed to successfully verify myself for this dispute * Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Date : XX/XX/year>XXXX  Re : Formal Dispute of Inaccurate Late Payment Reporting under the FCRA and FDCPA To Whom It May Concern, I am formally disputing the reporting of a late payment on my credit report associated with the account listed below. This dispute is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Auto Loan, Credit Card ( 2 ) Date ( s ) of Alleged Delinquency : XXXX Credit Report Source : Equifax, Experian, TransUnion Dispute Details : Upon reviewing my records, I have determined that this late payment is : Inaccurate Unverifiable Potentially misleading or outdated under the terms of the FCRA Under FCRA 1681i and 1681s-2 ( b ), you are required to : Conduct a reasonable investigation of this dispute Correct or delete any information found to be inaccurate or unverifiable Notify all applicable consumer reporting agencies of any updates or deletions If this late payment can not be fully verified with original documentationsuch as detailed billing statements, signed contracts, or a complete payment historyit must be removed from my credit file. 

Required Actions : I hereby request that you : 1. Conduct a full reinvestigation of the late payment entry 2. Provide documentation validating the accuracy of this report 3. Delete or correct the entry if validation is not provided 4. Confirm your findings and actions in writing within 30 days as required by law If you are a third-party debt collector, this also constitutes a request for debt validation under FDCPA 1692g ( b ). Collection efforts must cease until proper verification is provided.

Notice of Rights and Intent : Please be advised that failure to comply with your obligations under the FCRA and FDCPA may result in regulatory complaints and legal action. I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office if this matter is not resolved within the required timeframe.

Thank you for your prompt attention to this matter. I expect a written response within 30 days as required by law. 


* I have attached documents needed to successfully verify myself for this dispute * Sincerely, 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 2025-06-05 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: CA

Complaint narrative:
I requested validation of a collection account reported, specifically documentation identifying the original creditor, the full amount owed, and the nature of the debt. None of this was provided.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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:
My name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also, the following inquiries were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also, the following inquiries were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 of 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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding my auto loan for a XXXX XXXX XXXX which I purchased in XX/XX/XXXX. 

In XXXX, my vehicle was taken without my consent ( effectively stolen ). I filed a police report and have documentation that the individual responsible has an active warrant for arrest. I immediately contacted XXXX and was informed that the vehicle would be auctioned and any salvageable funds would be applied toward my remaining balance. 

However, in XX/XX/XXXX, I learned that the vehicle had been wrecked. When I contacted XXXX XXXX XXXX for an update, I was told that the vehicle is still sitting idle and no auction or further action has taken place. Despite the circumstances, I am being told that I still owe over {$17000.00} on the car. 

This is unacceptable. I am requesting that XXXX XXXX XXXX immediately follow through with the auction process or offer an appropriate resolution. The vehicle still holds value and can be repaired. Their inaction is financially harmful and appears to be an intentional effort to force me into further debt. 

I am a consumer who acted in good faith under extremely difficult circumstances. I demand a full investigation into this matter and a fair resolution in compliance with consumer protection 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