vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
XX/XX/XXXX  Subject : Formal Complaint Regarding Missing and Inaccurate Account Information Dear CFPB, I am filing a formal complaint against Experian for failing to provide complete and accurate information regarding my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX  and XX/XX/XXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The absence of detailed reporting suggests a failure to comply with this requirement. 
Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Reporting incomplete information violates 15 U.S. Code 1681s-2, which prohibits the omission of essential data regarding accounts. 
Summary of Errors and Discrepancies : Missing account details such as balances, high credit limit, and payment history. 
No reported late payments ; however, the omission of critical account information creates inconsistencies in my credit profile. 
Impact on Creditworthiness : The lack of comprehensive and accurate information in my XXXX report has created discrepancies across credit bureaus, undermining my creditworthiness and leading to financial harm. 
Desired Resolution : Immediate inclusion of all relevant account details in my credit report. 
Written confirmation of the updates. 
Assurance that the reporting will be accurate and consistent moving forward. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
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 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
Incomm dba Vanilla Gift. Issued me a {$500.00} e-gift card, but with a 10 yr expiration. None of the recipients I wanted to use these funds with would accept it, viewing that long an expiration as fraudulent. Numerous calls with their incoherent and sub-literate offshore call center and email directly with them, I asked for 1 ) A refund, which they have kept delaying for weeks with excuses or 2 ) A new card number with the usual 5 yr expiration so that I might be able to use these funds. This has been going on for weeks, see XXXX XXXX XXXX for the email conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. Attached below.

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 2024-12-21 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: IL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
I am filing this complaint regarding an unresolved issue with Klarna. Recently, I made payments for purchases using Klarna and subsequently received a refund. However, instead of the refund being returned to my original payment method ( my card ), it was deposited into my Klarna wallet/balance. 

I never enabled this option for refunds to go into my Klarna wallet. Despite reaching out to Klarna support multiple times and repeatedly requesting that the refund be sent to my original payment method, I was met with unhelpful responses. Their representative insisted that the feature must have been enabled on my account, even though I did not authorize or activate this option. 

I escalated the issue to speak with a supervisor several times, but Klarna failed to address my concern adequately. They continue to refuse to transfer my refund back to my card, which is the default expectation for refunds. Instead, they are keeping the funds locked in the Klarna wallet, forcing me to use it for future purchases, which I do not want. 

This experience has been frustrating and feels unfair. Klarnas inability to resolve this issue is unacceptable, and I believe they are not acting in good faith. 

I kindly request your assistance in ensuring Klarna refunds the amount to my original payment method as I initially requested. I have attached screenshots of my communication with their support team as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/2024 - The following inquiry was not authorized and should not be reporting.

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed these collections multiple times and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: CA

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 non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
i am not liable for this debt with P & B CAPITAL, I do not have a contract with P & B CAPITAL, they did not provide me with the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-12-21 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MCM Midland Credit Management keeps mailing and calling me of a debt thats not legal And over 11 years old Stop harassing me for a debt not legally owed. 

I have also filed with US Attorney office with copies of the mail and Etc as proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: MA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I was checking my credit report and I noticed that there was a CITI credit card inquiry that was not endorsed or approved by me- 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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My account XXXX my name is XXXX XXXX XXXX XXXX XXXXmy address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they took XXXX XXXX from me when i had it sent to account for checking to debit card there was three occasions he later quiet

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 2024-12-21 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: OH

Complaint narrative:
JPMorgan Chase Bank let XXXX take about {$300.00} from my checking account. I had never even heard of XXXX. They tried to take out about {$600.00} in two transactions but I was able to block one transaction but one went through.

I went to to branch where I opened the account and they said that they couldn't do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I am writing to bring to your attention the unacceptable practices of several entities regarding multiple accounts on my credit report from Experian, XXXX, and XXXX. In accordance with the Fair Credit Reporting Act, the entities listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
.

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal paid a fraudulent seller on XXXX using a XXXX tracking number that clearly was not sent to me. It was delivered to the " receiver '' and signed for by XXXX. Clearly not a residential address. Paypal did not investigate this and sided with the fraudulent seller in their case dispute resulution. XXXX did send me an email warning that the seller 's account had been accessed by an unauthorized party. Any reasonable person could tell this was clearly fraud yet Paypal would not rectify this and as a result, I am out over {$250.00}. I called XXXX and confirmed that the tracking number used was not sent to me and asked Paypal to confirm. They failed to do anything. It is called the Paypal XXXX scam on the internet. Crooks pay for bogus XXXX tracking numbers sometimes even delivered before a purchase. XXXX accepts any tracking number and sides with the fraudulent seller every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
applied for truck denied not for having a low credit cause some third party inaccurate information I reached out to them an was given some fair reporting act lies some XXXX they havent read they violated the truth an lending act federal reserve act an consumer rights act an I will be reaching out to FCRA an S.E.C. for stealing securities Ive ask to send me my perk for value applied for or send me my truck I applied for this illegal practice is to common and I will not take this stealing my securities if not taken care of I will pursue with the IRS ALSO to do a forensic audit on that account that was created with my securities an I will be seeking federal charges stealing from me

Company response to consumer: Closed with explanation