vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX. XXXX  Date : XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX. XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally raise a serious complaint regarding an incident at your Chase branch in XXXX, Illinois. On [ insert date ], I visited the branch to deposit a check into my account. Later, I discovered that the teller appeared distracted and deposited the check into the wrong account. 
Upon returning home, I attempted to transfer funds and realized the deposit was missing. I returned to the branch immediately, where the teller initially denied processing the transaction. Only after I presented the receipt from XX/XX/year>, was an assistant branch manager involved. Despite my efforts to resolve the issue, I later received a letter stating that my account was being permanently closed, with no explanation. 
To make matters worse, my daughter, who had recently opened a new account after XXXX  from XXXX in XXXX, was informed that her account was also closed due to its association with mine. 
I have tried to resolve this through customer service multiple times but haven't gotten any help or explanation. We are both now without access to essential banking services, and no restitution has been made for the original teller error. 
This treatment feels unjust and punitive, particularly since a Chase employee made the original error and no misconduct occurred on my part. I am requesting the following : 1. A full investigation into the tellers mishandling of my check deposit.

2. Explain why my accounts ( and my daughter 's ) were closed.

3. Immediate reversal of the account closures and restoration of services.

4. Written confirmation that this situation will not affect our credit reports or banking histories. 
I am also submitting this complaint to the Consumer Financial Protection Bureau and, if necessary, to the Office of the Comptroller of the Currency for further action. 
Please treat this as an urgent matter. I hope we can resolve this quickly and professionally. I expect a written response within 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-22 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: MI

Complaint narrative:
Experian is reporting a charge-off account from XXXX XXXX XXXX Acct # XXXX ) that is inaccurate and unverifiable. I submitted a certified, notarized dispute to the creditor requesting full documentation under FCRA, including signed agreements, billing history, Metro 2 compliance records, and proof of the charge-off process. No such documentation has been provided. Experian continues to report the tradeline without verifying its accuracy, violating : FCRA 1681e ( b ) : duty to ensure maximum accuracy FCRA 1681i ( a ) ( 1 ) : reinvestigation required FCRA 1681i ( a ) ( 5 ) : delete unverifiable data I request the full deletion of this account or immediate correction of the inaccurate charge-off and derogatory marks. This account is harming my credit unjustly and Experian has not upheld their legal responsibility. 

TransUnion continues to report a charge-off account from XXXX XXXX XXXX Acct # XXXX ) that lacks proper verification. I disputed this account directly with XXXX through a notarized letter, requesting specific documents including : original agreement, billing statements, full Metro 2 history, and a breakdown of charge-off procedures. No valid response or supporting documents were received. TransUnions reporting is a violation of : FCRA 1681e ( b ) : failure to assure maximum accuracy FCRA 1681i ( a ) ( 1 ) : reinvestigation failure FCRA 1681i ( a ) ( 5 ) ( A ) : failure to delete unverifiable data I am requesting complete removal of this account from my TransUnion file due to non-compliance with FCRA. 

I sent a certified, notarized dispute letter to XXXX XXXX ( Acct # XXXX ) requesting full validation of a reported {$18000.00} charge-off. I specifically asked for : a signed contract, last billing statement, charge-off timeline, Metro 2 reporting logs, and an itemized accounting of all charges and payments. XXXX has failed to provide any documentation or respond in good faith. This violates : FCRA 623 ( a ) ( 1 ) ( A ) : furnishing accurate info required FCRA 623 ( b ) : must investigate and correct after notice FCRA 605B : obligation to block disputed information if unverifiable XXXX is still reporting this account to all three bureaus, despite not validating the debt. I request the CFPB investigate and compel XXXX to either provide full proof or immediately delete this tradeline from all credit reports.

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 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My name is XXXX XXXX, and I am retired XXXX and a XXXX veteran currently under contract to purchase a home at XXXX XXXX XXXX in XXXX, WA. The home is financed with a VA loan serviced by Mr. Cooper ( Nationstar Mortgage LLC ). Despite my qualifications and the sellers cooperation, Mr. Cooper has refused to allow me to apply to assume this VA loan. This obstruction is not only unfairit is unlawful. 
On XX/XX/year>, I submitted all six items of information that constitute a loan application under the TILA-RESPA Integrated Disclosure ( TRID ) Rule : my name, income, Social Security number, property address, estimated property value, and loan amount sought. Mr. Cooper has acknowledged receiving my information. Nonetheless, they have refused to treat it as an application or provide required loan disclosures. Repeated attempts by phone and mail to initiate the assumption process have been ignored or denied. 
This behavior appears to be a direct violation of the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), and the VA 's own guidelines, including VA Pamphlet 26-7. The Department of Veterans Affairs allows and encourages assumptions of VA loans by creditworthy veterans like myself. Mr. Coopers blanket refusal to process my application flies in the face of these regulations and undermines the VAs mission to support veterans in achieving homeownership. 
Further, their obstruction puts both the seller and me at risk of financial harm. The seller, also a veteran, is being pushed toward delinquency, and I am being deprived of the opportunity to assume an affordable, low-interest VA loan that I have qualified for. Furthermore, we have sold our current home which closes on the XXXX of XXXX so that we could be in a position to purchase this loan via an assumption. Mr. Coopers unwillingness to make any forward movement puts me and my family at risk of being homeless.

I respectfully request your help in addressing this injustice. Mr. Cooper should not be allowed to act with impunity while violating federal law and harming veterans. I am asking your office to contact the Consumer Financial Protection Bureau, The FTC, the Department of Veterans Affairs, and any relevant regulatory bodies to investigate Mr. Coopers conduct and hold them accountable.

Please feel free to contact me if you would like any further documentation. I have retained all correspondence and application materials. 
Thank you for your time and for your continued service to our community and our veterans. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, Franklin Collections Services : Called falsely claiming an unpaid medical debt ( confirmed paid via ACCESS PA Medicaid ). 
They never mailed written notice within 5 days ( FDCPA 1692g violation ).

Failed to validate debt upon request ( FDCPA 1692g ( b ) violation ), instead told me to call my insurance company. When I got confirmation my Insurance received and paid the bill, I called Franklin Services again and told them they would need to provide proof and that I would be filing a complaint with the CFPB and they immediately hung up before I could discuss being mailed verification of a real debt or anything else.

Likely pulled my credit report without permissible purpose ( FCRA 1681b violation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These reports have been XXXX  to my life and credit 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 2025-05-22 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: AR

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These reports have been XXXX  to my life and credit 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 2025-05-22 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXXXXXX 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 2025-05-22 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: TX

Complaint narrative:
I noticed two credit inquiries on my report that I did not authorize. I believe these are the result of identity theft, as I never applied for these credit cards. 
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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: AZ

Complaint narrative:
I placed an order, the same order 5 times, as each time I placed the order, after check out, the merchant came back and said there was an issue with the payment, and that the order was not placed and to try again. Yet, despite the order not going through Klarna continued to charge my card. Klarna purposefully chose to charge my card 5 times. XXXX of these charges was reversed in about XXXX hours. The other XXXX are still charged to my card 4 days later. The merchant has no record of these orders as they did not go through. After 4 days, I have now gone into the negative with growing overdraft fees as a result. Klarna takes no responsibility, refuses to do anything, and the individual Seli ( I do not know her title as she REFUSED to provide it, after I asked her several times ) kept repeating the same thing over and over, that I began to question if she was an actual person. I do believe it XXXX have been a robot. I have being charged super high overdraft fees, and they are REFUSING to take any accountability. This company is about to actually bankrupt me, as I am getting {$200.00} in overdraft fees, per day. and I cant overcome it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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