vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: CA

Complaint narrative:
I placed an order with XXXX using Klarnas Buy Now, Pay Later service. I returned a bunch of items from that order, following the return process. However, Klarna is still holding me financially responsible for several of the items, even though : 1. I have tracking numbers and proof of return for every single item. 
XXXX. XXXX has confirmed that some items were misrouted due to their own logistics issue, not because of any mistake on my part.

3. Klarna has refunded me for a portion of the items, but is still claiming I owe money for items I clearly returned.

4. I have submitted multiple rounds of documentation, including tracking info and email correspondence with the store, yet Klarna continues to deny my dispute.

This is completely unfair. I no longer possess any of the items, and Klarna is now reactivating the statement and demanding payment. I am being charged for merchandise I returned in full.

Im asking the CFPB to step in and ensure Klarna reopens the dispute and investigates properly, including direct coordination with XXXX to verify that the issue was due to return routing errors on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX LA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-27 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: FL

Complaint narrative:
This is identity theft. The XXXX XXXX XXXX XXXX XXXX collection is not mine. Its a mixed file with my son, XXXX XXXX XXXX. I filed a police report and FTC affidavit. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed a charge ( XX/XX/2025 ) with bank for UNAUTHORIZED RENT PAYMENT from XX/XX/2025 and XX/XX/2025. My landlord filed an eviction case against me and we settled agreeing there would be no money owed and waived our rights to any future claims pertaining to the eviction. This decision was made on XX/XX/2025. The documents were sent to CHASE on the same day XX/XX/2025. I received a letter a few days later stating the claim was denied and that the bank would remove the funds on XX/XX/2025. After providing documentation Chase still withdrew the money. I have been trying to get this matter resolved since XX/XX/XXXX and have not gotten it completed. I spoke to the merchants attorney and he stated that both merchant and I waived our rights to future claims. I do not know why CHASE still refuses to refund my money after providing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Payactiv, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I used Payactiv to access {$690.00} of my earned wages while working for a XXXX  ( XXXX XXXX XXXX ) under XXXX. This transaction was only authorized once. 

However, the same amount {$690.00} was deducted twice from my paychecks, once on XX/XX/2025, and again on XX/XX/2025, across two consecutive pay periods. 

I emailed Payactiv regarding the duplicate deduction and received a response from XXXX XXXX, who informed me that the issue should be handled by my employer. I then contacted XXXX, the owner of the XXXX who provided Payactiv as a benefit, but he has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: VT

Complaint narrative:
I'm reaching out regarding an account thats showing up on my credit reportan account I have absolutely no knowledge of. Let me be clear : I did not open this account, I have no association with it, and I have never authorized it in any way. 

This is a clear case of mixed or incorrect data, and it has no business being tied to my name or credit profile. Im askingno, Im insistingthat you remove this account from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint against Concora credit/XXXX XXXXXXXX XXXX XXXX 
I applied for 2 of Concora credits credit cards. On both the company claimed to not be able to verify my identity. Concora credit sent out 2 separate emails and mailers stating because of not being able to verify my Identity, I needed to fax and or postal mail my ID & SS Card. I did that for the MILESTONE CARD & the DESTINY CARD.

The Milestone card was issued but not the Destiny card. 
Concora stated back in the beginning of XX/XX/2025 they hadnt received my information for the Destiny card after using the same information to verify my approval for the Milestone card. Concora credit states that, each application has to have its own documentation. Since then I have sent over my ID & SS card 3 separate times to : XXXX XXXX XXXX, XXXX, Oregon XXXX. 
Concora on XX/XX/2025 is still saying theyve yet to receive this same documentation. I find that to be unbelievable and I need for this company & situation to be evaluated. As it stands on this day, I feel discriminated against. I will attach the email I received in early XXXX along with the same documents Ive sent Concora credit 3 times since. 
Every time I call theyre constantly repeating they cant read the documents I faxed in XXXX. Never acknowledging the documents Ive mailed more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MA

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX XXXX, XXXX regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official XXXX IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. 

The transcript clearly reflects that XXXX XXXX XXXX, XXXX issued a Form 1099-C, which constitutes a cancellation of debt. Although I never received a copy of the 1099-C directly from XXXX, XXXX filing is documented in the IRS records XXXX and I have attached a copy of my XXXX Tax Transcript for your review. 

Under IRS Publication 4681 and applicable regulations, the issuance of a Form 1099-C signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. 

Their conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; XXXX. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a debt has, in fact, been canceled. 

I received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. 

Given the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require XXXX XXXX XXXX, XXXX to comply with all applicable laws regarding discharged debts.

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 2025-06-27 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: MA

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX XXXX, XXXX regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official XXXX IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. 

The transcript clearly reflects that XXXX XXXX XXXX, XXXX issued a Form 1099-C, which constitutes a cancellation of debt. Although I never received a copy of the XXXX directly from XXXX, XXXX filing is documented in the IRS records XXXX and I have attached a copy of my 2023 Tax Transcript for your review. 

Under IRS Publication 4681 and applicable regulations, the issuance of a Form 1099-C signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. 

Their conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; 3. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a debt has, in fact, been canceled. 

I received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. 

Given the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require XXXX XXXX XXXX, XXXX to comply with all applicable laws regarding discharged debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute letter to XXXX XXXX XXXX, XXXX regarding the above-referenced mortgage account. In that letter, I demanded the immediate cessation of all collection activity, as the debt in question was reported as canceled according to my official 2023 IRS Wage and Income Transcript. Attached please find a copy of my letter dated XX/XX/XXXX. 

The transcript clearly reflects that XXXX XXXX XXXX, XXXX issued a Form 1099-C, which constitutes a cancellation of debt. Although I never received a copy of the 1099-C directly from XXXX, XXXX filing is documented in the IRS records XXXX and I have attached a copy of my 2023 Tax Transcript for your review.

Under IRS Publication 4681 and applicable regulations, the issuance of a Form 1099-C signifies that the creditor has discharged the debt, and thus forfeits any legal right to continue collection. XXXX ongoing attempts to collect on this canceled debt are therefore improper and potentially unlawful. 

Their conduct may violate several federal laws, including but not limited to : 1. The Fair Debt Collection Practices Act ( FDCPA ) which prohibits false, deceptive, or misleading representations concerning the legal status of a debt ; 2. The Fair Credit Reporting Act ( FCRA ) which requires the reporting of accurate and current information to credit reporting agencies ; 3. Internal Revenue Code 6050P which requires creditors to issue Form 1099-C only when a debt has, in fact, been canceled. 

I received a written response from XXXX dated XX/XX/XXXX, which I have also attached for your review. Their response failed to address any of my substantive requests or legal concerns. 

Given the above, I respectfully request that the Consumer Financial Protection Bureau take appropriate action to investigate and require XXXX XXXX XXXX, XXXX to comply with all applicable laws regarding discharged debts.

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 2025-06-27 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.

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, and an eviction was falsely reported under my name by TransUnion Rental Screening Solutions. I disputed this record directly with TransUnion and provided a formal letter stating I never lived at the property in question or signed any lease. Despite this, the dispute was denied, and the false eviction remains on my rental screening report. 

This incorrect reporting is seriously impacting my life. I just had a baby and need to move into a larger home for my children and me, but Im being repeatedly denied housing because of this record. I can not afford to wait another 30 days for another dispute to process when the initial one was wrongly resolved without correction. 

I am requesting that the CFPB step in to help resolve this matter immediately and ensure TransUnion follows the proper procedures for identity theft and inaccurate information reporting under 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 2025-06-27 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: AZ

Complaint narrative:
To Cfpb I am writing to formally dispute unauthorized credit reports from all the 3 credit reporting agencies, Experian, XXXX, and XXXX  that have been added to my credit file. I did not authorize these accounts or reports, and they were added without my consent. Please investigate and remove these fraudulent entries from my record immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2025-06-27 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 explanation