vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I wire transfer thru discover to XXXX XXXX  in XXXX XXXX for $ XXXX. Wire transfer should be done within day or two! I paid $ XXXX for. XXXX XXXX Never received money. I been in contact with both bank. XXXX XXXX  told me that discover bank didnt release fund and they also send me a video of it shows discover holding that money but didnt release. Its almost more than a week. So I decided to recall my wire transfer and as of today i have not received any money from discover. I been calling almost everyday they been telling me there is no update on it! So where. Is my money? 
I have to pay bills. They running me around back and forth. I need my money asap with interest If you can help me on this i really appreciate Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 seve
n years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX McKees Rocks, PA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Dispute of Debt and Violation of Consumer Rights To Whom It May Concern, I am writing to formally dispute a collection account reported by [ XXXX XXXX XXXX XXXX and to bring to your attention several violations of consumer protection laws that have occurred in this matter.

1. **Validation Information** : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide the necessary validation information regarding the debt they claim I owe, yet they have placed a collection account on my consumer report. This action is not only premature but also unlawful.

2. **Opportunity to Dispute** : Additionally, I have not been given a fair opportunity to dispute this account as per 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of proper notice violates my rights as a consumer and undermines the legitimacy of the collection efforts.

3. **Misleading Practices** : The collection agency has engaged in practices that involve false, misleading, and deceptive means. Such actions are in clear violation of consumer protection standards and demonstrate a lack of ethical conduct in their collection practices. 

4. **Authority to Furnish Accounts** : The collection agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures. Their actions are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

Given these violations, I dispute any and all debts attributed to me by [ XXXX XXXX XXXX ] and formally request that they cease all communication regarding this matter. I also request that they provide proof of debt validation, a copy of any purchase agreement with the original creditor, and verification of their authority to collect debts in my state. 

I expect your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-18 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-18 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: IL

Complaint narrative:
TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Address Reported - XXXX XXXX XXXX XXXX Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute an address listed on my credit report that appears to be incorrect or inaccurately reported. The address in question is : XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX. 

Upon reviewing my credit report, I noticed that this address is showing as associated with my credit file, but I believe there is a mistake. I have never lived at or had any association with this address. I kindly request that you investigate this matter and remove the address from my credit report if it is determined to be inaccurate. 

Please find the necessary details to locate my credit report : Full Name : [ ] Date of Birth : [ ] Social Security Number ( last XXXX digits ) : [ ] Address : [ ] I have enclosed/attached [ any supporting documents you might have ] that demonstrate my residence history. I would appreciate it if you could update my credit file as soon as possible to reflect accurate information. 

Please notify me of the results of your investigation. Thank you for your attention to this 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 non-monetary relief
Consumer complaint received 2025-02-18 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:
I am writing to formally dispute the inaccuracies present on my credit report with Equifax, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXi. My dispute concerns the erroneous information listed under XXXX XXXXXXXX ( who is being sued ), XXXX Bank, XXXX XXXX XXXX, and all other negative accounts on my Equifax report, which is inaccurate and has adversely impacted my credit profile. I would like to remind you of the ongoing issues with the manner in which Equifax, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) ordered Equifax to pay millions, for conducting improper investigations of credit report errors. The order highlights the failure of Equifax to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. Under 15 U.S.C. XXXXi, you are legally required to : XXXX. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report. XXXX. Correct any inaccuracies within a reasonable time frame ( typically XXXX days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. In light of the CFPBs order and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. * Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. * Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. Failure to comply with these provisions not only violates my rights under the FCRA but also subjects Equifax to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NH

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 2025-02-18 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: NH

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 2025-02-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a pair of sneakers from XXXXXXXX XXXX XXXX XXXX XXXX XXXX and received the wrong size. I then sent the sneakers back and they were delivered per the tracking number. I did not see the refund on my credit card statement, so I opened a dispute with Citi Bank ( my CC provider ). 

About a week later I saw the refund pending on my account, so I cancelled the dispute. A day later the pending credit disappeared. Now Citi is telling me there is nothing they can do since the dispute was cancelled. It was only cancelled because I saw the credit pending back on my account. 

I have asked the merchant for proof of the return and have yet to receive a response. The communication before that they told me to resolve with my bank.

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
of {$42.00}. 

If you could assist me with this information at your convenience I would very much appreciate it. 

You can also mail this information to me if email is not a secure option to the above listed mailing address as well. 

Hope all is well and thank you again fir your help to me on this request. 


Regards, XXXX XXXX XXXX ( XXXX ) On XXXX, XXXX XX/XX/year>2024XXXX  XXXX XXXXXXXX XXXX Complaint Team, XXXX wrote : Good afternoon, For authentication issues, please visit your local branch with photo ID for assistance. 


Thank you, XXXXXXXX XXXX | XXXX XXXX XXXX | TD Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXXXXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-18 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 am filing a formal complaint against Klarna Inc. for failure to properly handle billing disputes, failure to acknowledge merchant refunds, and inaccurate credit reporting. Klarna has violated the Fair Credit Billing Act ( FCBA ), Fair Credit Reporting Act ( FCRA ), and Consumer Financial Protection Act ( CFPA ) by failing to resolve disputes within required timeframes and reporting false debt information to credit bureaus. 

Issue # 1 : Unresolved Return Dispute {$530.00} Purchase Date : XX/XX/XXXX | Merchant : XXXX | Klarna Order Ref : XXXX Item : Fleece Jacket | Total : {$530.00} | Payment : Klarna XXXX XXXX  Returned : XX/XX/XXXX ( XXXX  receipt available ) Merchant Refund Date : XX/XX/XXXX ( {$530.00} refunded to Klarna XXXX XXXX  card ) Dispute Filed : XX/XX/XXXX Despite clear proof of refund from XXXX, Klarna has refused to apply this refund to my Klarna account. The dispute remains unresolved for over 85 days, violating FCBAs 60-day dispute resolution requirement. 

Issue # XXXX : Incorrect Outstanding Balance After Price Adjustment {$1000.00} Purchase Date : XX/XX/XXXX | Merchant : XXXX | Klarna Order Ref : XXXX Item : Down Jacket | Total : {$1000.00} | Payment : Klarna XXXX XXXX  Price Adjustment Refund : XX/XX/XXXX ( {$520.00} refunded to Klarna XXXX XXXX card ) Klarna failed to apply this refund correctly, leaving me with a false outstanding balance of {$1000.00}. This incorrect balance was reported to credit bureaus, despite multiple disputes. 

My Efforts to Resolve the Issue : XX/XX/XXXX : Contacted Klarna via phone and chat with proof of refundstold to wait for dispute resolution. 
XX/XX/XXXX : Sent all refund receipts and evidence via emailno response. 
XX/XX/XXXX : Filed another disputeno resolution. 
XX/XX/XXXX : Contacted Klarna support againtold they couldnt assist. 
Multiple Website Disputes Filedno corrective action.

Klarnas Regulatory Violations 1. Failure to resolve disputes within the 60-day limit, continuing to hold me responsible for charges despite proven refunds. 
2. Reporting incorrect debt to credit bureaus and failing to correct it within 30-45 days after disputes.

3. Engaging in deceptive and unfair practices by misrepresenting my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

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 2025-02-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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