vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a through investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Opportunity financial is reporting inaccurate information I do not have a open account or contract with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
I have attached several disputes I filed that werent removed or investigated properly

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
synchrony bank reports misinformation and abuses account information. I paid off the account in full on XX/XX/year>. Synchrony bank refuses to report the acount as paid in full. not synchrony bank is demanding a {$190.00} payment for XXXX XXXX the card has not been used in over a year. the account is frozen. I paid off the full amount on XX/XX/XXXX XXXX synchrony bank continues to report misinformation that is damaging to my credit standing. I went a lot of effort and expense to get these thieves out of my life and business and they instead create phony billing to continue to extort and do harm. Synchony thieves should not be doing business. these people are dishonest filth

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 2025-02-23 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:
Experian- I have asked over 50 Times to remove the accounts thats not mines that reporting as a Closed account- You have FAILED TO DO SO ITS PASSED 30 days and this is very important for 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 2025-02-23 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: MO

Complaint narrative:
Dear CFPB and Equifax This is not a duplicate complaint. I am putting each issue on a separate complaint since Equifax is failing to read relevant information VIOLATION OF USC 1681 ( a ) 1 Equifax intentionally changed the name of the XXXX Medical Debit charge off from XXXX XXXXXXXX XXXX XXXXXXXX XXXX to create confusion and to avoid my dispute request a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
After a lengthy investigation through the agents working for Equifax, it was determined that their dispute agent had intentionally changed the name on the XXXX XXXX charge off account to a bogus name of XXXX. Equifax found the error, but never did correct it. The very person that changed the name claimed that they could not complete the investigation because they couldnt find the correct name. That is a very deceitful statement because they are the ones that changed the name. It created chaos and confusion, but prevented me from having a valid investigation. Such deceitful behavior undermine the public trust in the banking. System has mentioned in 15 US C 1681. It also prevented me from ever having. Issue resolved, and no investigation was ever done. 
During the investigation in XX/XX/XXXX by an Equifax agent, it was determined that no investigation had ever been done for this on my account. 
. I had requested a thorough investigation on XX/XX/XXXX and also in XX/XX/XXXX and again in XX/XX/XXXX. 
I am demanding for this medical debt account to be removed from my credit report immediately for the violation mentioned above and also because I was never notified of the name change, which created confusion when I attempted to do a dispute. This is also in violation of 15 USC 1681 that says I shouldve been notified of any changes to my credit report within five days.

As usual, I have included a copy of my drivers license and SS card Please see my screenshot that shows the account in question used to be under the name of XXXX but it was changed to XXXX immediately after my dispute request was received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: LA

Complaint narrative:
Some of the information was incorrect the company sold my information to a debt collector. I recieved numerous phone calls from debt collectors. From the fcra I know its illegal to do so. So I want it removed from my 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 2025-02-23 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: LA

Complaint narrative:
Some of the information was incorrect the company sold my information to a debt collector. I recieved numerous phone calls from debt collectors. From the fcra I know its illegal to do so. So I want it removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear, Experian I am writing to formally dispute and request a resolution regarding financial losses incurred by [ Company Name ], which is insured by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), due to a data breach that exposed sensitive financial information. 

Details of the Issue : Date of Data Breach : XX/XX/XXXX and XX/XX/year> Nature of Exposure : Explain how the data was exposed and the financial impact ] The data breach resulted in unauthorized access to critical financial information, leading to unauthorized credit activity, or loss. Given the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant regulations, the reported information stemming from this breach is inaccurate and must be addressed. 

I formally request that requested resolution, removal of inaccurate information, correction of financial records, or reassessment of liability. Additionally, I ask that an investigation be conducted to ensure compliance with all applicable regulations and protections under the XXXX policy. 

I have attached relevant supporting documentation, including information such as breach notification, insurance policy details. 

Please confirm receipt of this dispute and provide a written response detailing the steps taken to resolve this matter. If further information is required, I am available at the contact information provided above. 

Thank you for your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
The response # XXXX to complaint XXXX filed by me on XX/XX/year> is unable to be accessed and downloaded. I need access to this file. I uploaded what it shows when downloaded for viewing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been looking for a rental apartment, when I received a link from a tenant stating I need a {$32.00} refundable credit monitoring report before I let you look at my property on XX/XX/year>, my wife is refunding you soon as you come for visiting my property, I followed his instruction he sent me a link and costed me the above mentioned amount, he scheduled a property tour on XX/XX/year> at XXXX when I provided my credit monitoring report. When I went to the location to look at the property at the mentioned time and date, he neither available nor hasnt picked up calls and not replied texts since then.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I activated a Chase credit card offer that provided 10 % cash back on a XXXX XXXX purchase, influencing my decision to complete the transaction. The offer was set to expire on XXXX XXXX, 2024, and I made a qualifying purchase of {$760.00}, which was posted on XX/XX/XXXX, 2024well within the promotional period. 

Despite meeting the offers conditions, I did not receive the advertised cash back. On XXXX XXXX, 2024, I contacted Chase customer support and spoke with a representative named XXXX, who offered me {$10.00} as compensation rather than the promised 10 % cash back ( Maximum cash back at {$50.00} ). I declined this offer and requested a formal investigation into the issue. I was assured that a case would be opened and I would receive a resolution within XXXX business days. 

To date, I have not received any further communication from Chase nor the expected cash back reward. I request that Chase honor the promotional offer as initially advertised and issue the appropriate cash back amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
These accounts are reporting inaccurate and are fraudulent. Please remove them immediately.

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 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: IN

Complaint narrative:
Companies involved : XXXX and Klarna In XX/XX/XXXX, I placed an order for XXXX items from XXXX and paid through Klarna. Only XXXX items were delivered successfully via fedex, while XXXX items were marked as delivered but never received. The missing items were shipped via XXXX and XXXX, XXXX unreliable carriers. The proof-of-delivery images do not match my apartment, indicating misdelivery. It was delivered to a different location instead. 

Steps Taken to Resolve : XX/XX/XXXX Reported the missing items to XXXX. 
XX/XX/XXXX XXXX refused assistance. 
XX/XX/XXXX : I emailed XXXX with a detailed description of the situation and stating that the package was not delivered to the correct location. 
XXXX XXXX refused assistance. 
XX/XX/XXXX XXXX Klarna, which paused payments under their XXXX XXXX policy while investigating. 
XX/XX/XXXX Klarna ruled in favor of XXXX and resumed payments, charging me {$1500.00} despite informing them that the packages were not delivered to my apartment. 
XX/XX/XXXX Reached out to Klarna again for further review. 
XX/XX/XXXX Klarna reaffirmed that they would not cancel the payment because XXXX claims the order was delivered. 

Complaint Details : Klarna failed to uphold its XXXX XXXX policy, ruling against me despite proof of misdelivery. 
Klarna resumed payments unfairly, charging me {$1500.00} for items I never received. 
XXXX refused to assist, despite unreliable carriers and invalid proof of delivery. 
I have been a responsible customer to Klarna by never missing a payment and this is the first time reporting a problem. Additionally, this is my second time ordering from XXXX. Except, my first online purchase was delivered successfully by XXXX gaining my trust. I did not expect them to use unreliable delivery services during my second order. 
As a result, I have suffered financial loss, as Klarna and XXXX have forced me to continue making payments for undelivered goods. Their decision does not align with fair consumer protection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
This debt collector is not in compliance with the FCRA laws and this account is being reported inaccurately on my credit report by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-23 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: VW Credit
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : XXXX. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. XXXX. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. XXXX. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. XXXX. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ACCORDING TO '15 U.S.C 1692 C ', YOU HAVE VIOLATED MY RIGHTS BY IN LAWFUL COMMUNICATIONS. PLEASE REMOVE THESE COLLECTION FROM MY CEDIT REPORT ASAP. THANK YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Multiple misspelled names & addresses that do not have the correct zip code and 2 addresses I have never lived at as they a business

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