vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently found a credit inquiry on my report that I dont recognize. I did not apply with this company or authorize any credit check. This unrecognized activity is troubling and raises serious concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XX/XX/2023 XXXX XX/XX/2023 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
While checking my credit profile I had some hard inquiries listed that do not belong 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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For a charge of Was charged two late fees on an account we couldn't access online. The bank has refused to waive the two fees and automatically closed our account in less than 60-90 days and without notice! This is extremely unprofessional.

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 2025-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-23 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: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
Reached out to these companies XXXX XXXX XXXX XXXX XXXX ) late XXXX asking them to verfiy information on my report and reach out to creditors as I have never held these accounts. 

I also asked them to remove incorrect spelling of my name and addresses that have never belong to me or I have never been asscoiated with. They did not remove this information.

I sent in my SSN, State issued ID as well as proof that I have never lived at these addresses.

I also let me know I am a victim of ID theft due to my info being on XXXX XXXX. I ; ve shared these alerts as well as the XXXX XXXX breach.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
This particular account is tied to a matter thats currently involved in pending litigation. Due to the ongoing legal proceedings, the information being reported is not only incomplete but potentially misleading.

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 2025-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, using my Robinhood account, I did small test withdrawal of XXXX to cold storage wallet. Then, I tried to transfer the maximum daily amount of XXXX to my cold storage wallet after confirming that the test transfer worked. Immediately, they locked my account with an indefinite restriction. I called their customer service right away, through their app, and was told I would receive a call from one of the Robinhood agents and that they would only call from this number ( XXXX ) XXXX, but they never called. We received an automated email stating that they would reach out to handle our concerns. This started a two week process of calling and emailing numerous times, but no one from Robinhood has ever called me and I've only received more automated emails saying that they'll escalate my case. But then, I've also receive emails stating that my case has been closed without anyone contacting me or answering any my questions. On the app, there's a notification that claims they tried to call me on the XXXX of XXXX, but I never received that call and my phone records prove it never came. Also, there is one email that claims they've requested additional documents from me, but no request ever happen either through the app or my email and they immediate closed the case on me again. Every time I call, a new case opens and Robinhood unilaterally closes the case without ever having a human being speak once to me nor lifting the restriction. Meanwhile, I can not access any of my assets in my account, including my cash. It's been two weeks and there is no indication that Robinhood will ever give me access to my assets. It's impossible to reach any help. I want the restriction lifted from my account. 
I'm going to attach some of the automated emails from Robinhood and my responses and requests. I will not attach all of the emails as there are over 30 of them. But I've received automated emails from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, to name a few bots. It is always the same email and same wording and no further action. I will also include screenshots of my phone 's call log to prove they have never called when they said they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing the validity of an account reported by Portfolio Recovery company on my credit report. I have no knowledge of any debt owed to Portfolio Recovery Associates and have never received any prior communication, notice, or documentation verifying this alleged account. 
This company has reported a derogatory item to the credit bureaus without first providing me with the required validation of the debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This constitutes a violation of federal law. Furthermore, failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by furnishing inaccurate information and failing to notify me prior to such reporting, has resulted in significant harm to my credit standing. 
Because of this unlawful and inaccurate reporting, I was recently denied for a home loanan opportunity that was critical to my family and future. Your actions have caused not only financial damage but also emotional distress. 
I hereby demand that you remove this account from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CO

Complaint narrative:
I used Klarna to purchase an item through XXXX XXXX XXXXXX/XX/XXXX the items were XXXX pairs of active wear from XXXXXXXX XXXX I contacted XXXX XXXX XXXX XXXX asking why I havent receive my products that was on XX/XX/XXXX when I started the dispute first with XXXX  I saw that XXXX wasnt helping me at all so I initiated a dispute with Klarna, after I filed the complaint on XX/XX/XXXX the seller send me XXXX different package one with a pair of socks and the other one with a pair of leggings ( I never order that ) the seller send those items so tracking number shows that what I ordered has been delivered but he send me XXXX things that I didnt order I show the photos to XXXX  with the tracking number and the XXXX items that I received and the weight on the tracking slip but they said that my items where delivered because is showing that on the system Yes I know that is showing on the system that something was delivered but I wasnt what I ordered So XXXX  has refused to issue a refund. I filed a dispute through Klarna, but they closed the case and told me to resolve the issue directly with XXXX  even after I provided evidence that I received something that I never ordered Klarna acted as the payment processor, and I fully paid off the installment plan. Despite fulfilling my part of the agreement, I am now left without a product or refund. 

I believe Klarna failed to offer adequate buyer protection and should be held accountable for facilitating a failed transaction. I am requesting a formal review and assistance in recovering the funds. 

I have attached the photos of the XXXX items that I received with tracking number, the receipt of what I ordered originally with the total amount I paid for, the conversation between XXXX XXXX XXXX saying that my case was closed, conversation with Klarna not solving my issue and telling me that I have to resolve it with XXXX  and that they also close the case. 

Please help me with this, losing almost {$200.00} is really frustrating and no one is helping me. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I am a veteran with a XXXXXXXX XXXX serviced by PHH Mortgage XXXX I am filing this complaint because PHH improperly denied me access to the VA Servicing Purchase ( VASP ) program and instead approved a 40-year loan modification that increased my monthly payment. This violates VA servicing guidelines, which require modifications to lower payments and promote affordability.

The Modification Program Review from PHH confirms that the 40-year modification failed to reduce my principal and interest payment by 10 %, which is a requirement for investor approval. Despite this, PHH still processed it as an approved resolution and used it to deny me access to VASPa federally authorized program that allows VA to purchase loans when modification attempts fail.

By falsely ranking the failed 40-year modification as a higher-level resolution, PHH bypassed the correct step in the VA waterfall. This directly contradicts VA guidance, potentially violates XXXX XXXX investor rules, and has left me with a more burdensome loan structure when a more appropriate remedy ( loan purchase by VA ) should have been used. 

I am requesting that the CFPB require PHH to : Reevaluate my loan under proper VA guidelines, Correct their use of the waterfall and investor hierarchy, And restore eligibility for the VA Servicing Purchase program.

I am also asking for an internal audit or independent review of this decision process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 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: NJ

Complaint narrative:
This account is completely unknown to me. Ive never opened it, and I have no connection to it. After reviewing my records thoroughly, its clear that this is not my account and appears to be a case of mixed or incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
I wanted to refinance my mortgage. I wanted to do some upgrades to my home. Rocket Mortgage sent a very elderly appraiser to my house. Things did not go right with her while she was in my home. I called Rocket Mortgage immediately after she left to report all that happened.

The reported to Rocket Mortgage that I needed new carpeting and to fix my outdoor deck. I knew all of this needed to be done that is why I was refinancing. The loan officer at Rocket told me to get some carpeting and for me to repair the deck as best as I could. I did all that spending money that I dont have to spend. Rocket refused my request to send another appraiser to my home. The appraiser refused to sign off on the appraisal and Rocket mortgage backed out of the refinance leaving me with losing money that the loan officer had me spend all for nothing.

Its apparent the loan officer knows nothing of what he is doing.

The loan officer is XXXX XXXX Rocket Mortgage XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
TransUnion : Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 
Phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX. 
Employment reported : XXXX XXXX XXXXXX/XX/XXXX and date hired was XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
TransUnion : Names : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 
Phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX. 
Employment reported : XXXX XXXX XXXXXX/XX/XXXX and date hired was XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC
State: MN

Complaint narrative:
300 % interest rate as well as a loan I didnt apply for.

Company response to consumer: Closed with explanation