vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
On XX/XX/year> I spoke with an agent at Mr. Cooper. She told me the loan modification was ready. She told me all the information about the modification. She said we would be transferred to a new servicer, the loan would be 2.5 % interest. 360 months. The monthly payment would now be XXXX. She said the terms would not change. She said congratulations and that the paperwork would be here soon from XXXX to sign and return. 
We received the packet on XXXX XXXX. What we got was completely different. This packet says the interest rate will be 7.5 % interest rate. The loan will also increase to 40 years. The mortgage payment will also increase to XXXX. This is not anywhere close to what I was told on the phone. I called to figure out out what was going on on XXXX XXXX after receiving the packet. I recorded the conversation. I was told that basically that was rejected and they sent something else. Even though I had agreed to it and was told it wouldnt change. She basically said I can either agree or they will start foreclosure. I made a verbal agreement on XX/XX/XXXX, and what they are telling me now is completely different and everything is increasing significantly. I have the phone call where she stated that is what I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This debit is in collection and it not my debit and under the HIPPllA law my information about my Health is against the law and under the FCRA and the CCPA My information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC
State: FL

Complaint narrative:
This company calls family members repeatedly threatens to call employment and has not sent written notice of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I've submitted disputes with Equifax repeatedly because in less than 24 hours the said the investigated my dispute and it was correct on their end ... how could they contact the reporter and investigate in less than 24 hrs?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 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 2025-02-05 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: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies. 

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least 5 years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 14 days I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Experian for failing to properly investigate my dispute regarding an inaccurate bankruptcy appearing on my credit report. Despite my multiple attempts to correct this, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ), and I am requesting CFPB intervention. 

Details of My Dispute I disputed a bankruptcy entry with Experian, and they responded by claiming that the XXXX Bankruptcy Court verified the information. However, after contacting the XXXX Bankruptcy Court directly, I received a written statement confirming that : They do not report bankruptcies to credit bureaus. 
They have not verified this bankruptcy entry. 
I provided Experian with a copy of this letter, proving that the court did not verify the bankruptcy. Despite this, Experian refuses to remove the inaccurate entry from my credit report, violating my rights under the FCRA. 

FCRA Violations by Experian Experians failure to conduct a proper investigation violates the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 611 ( 15 U.S.C. 1681i ) Failure to Conduct a Reasonable Investigation Credit bureaus must conduct a reasonable investigation when a consumer disputes an item. 
If the information can not be verified, it must be deleted from the credit report. 
Since the bankruptcy court does not verify or report bankruptcies, Experians claim of verification is false and misleading. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Information Furnishers The furnisher of information must ensure accuracy before reporting data. 
Since the court does not furnish bankruptcy data, Experian can not lawfully claim it was verified. 
FCRA 616 & 617 Civil Liability for Noncompliance Experians failure to correct this error could be considered willful noncompliance, making them liable for damages, including statutory damages, actual damages, and legal fees. 
Request for CFPB Action Given these violations, I request the CFPB take enforcement action against Experian and ensure they comply with the law. Specifically, I ask that : Experian immediately remove the inaccurate bankruptcy from my credit report. 
Experian provide me with documentation explaining their reinvestigation process. 
Experian correct any negative impact this false bankruptcy entry has had on my credit standing.

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 2025-02-04 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: CA

Complaint narrative:
ive been contacting Experian, XXXX & Transunion and these bureaus and they all seem to not be properly investigating these account listed below. according to 15 USC 1681i ( a ) 6 ( B ) 3 you all must properly investigate or I am owed per violation.

Niether company responded inappropriately timely manner, pursuant to 15 USC 1681i ( a ) 1 you guys must respond within 30 days and its been 41 days. 

please investigate these accounts XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: KS

Complaint narrative:
Hello, i have gotten text messages and calls but they are not my name through the information they are giving, but it is on my credit report, but i dont have anything from that company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
pnc bank is directly knowingly and intentionally engaging in : 1. ) Bank/WIre fraud ; 2. ) Identity theft. pnc is XXXX  criminally corrupt bank out of XXXX, pa that has been allowing and enabling XXXX via it back office and/or externally to engage in embezzlement, fraud, identity theft, and wire fraud. I have absolutely know idea what this pnc bank account is as I did not open it and I did not authorize the opening of such an account. Moreover, at least three times now I have reported a similar issue with bank-wire fraud to Florida Governor XXXX XXXX XXXXXXXX , so I suspect he may able to provide some insight on this criminal conduct of pnc bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NC

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

Reported Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-04 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX  XXXX XXXX .... & XXXX XXXX  XXXX XXXX XXXX ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
Transunion is violating my consumer rights. They are fraudulently letting XXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State  website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain

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 2025-02-04 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: FL

Complaint narrative:
Experian, Equifax, and Transunion have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, were Experian has neither corrected nor removed

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
As a consumer, I am entitled to protection under various laws, including but not limited to : 1. The Electronic Fund Transfer Act ( EFTA ), which provides consumers protection regarding electronic transfers and ensures they are notified of unauthorized transactions. 
2. The Fair Credit Billing Act ( FCBA ), which allows consumers to dispute billing errors, including unauthorized charges, and seek a remedy. 
3. State Consumer Protection Laws ( depending on your jurisdiction ), which provide additional safeguards to protect consumers against unfair or deceptive business practices. 

I kindly request that Cash App conduct a thorough investigation of this matter and return the funds in question to my account as soon as possible. If this issue is not resolved promptly, I will be forced to escalate the matter through formal channels, including filing a dispute with my bank and reporting the issue to the relevant consumer protection authorities. 

Please respond to this request at your earliest convenience, with a clear outline of your process and timeline for resolution. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-05 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
this been few months i received XXXX broken doesnt work i tried to contact the seller i cant contact i been contacting the bank multiple times they keep asking me to send documents repair messages i have send them everything they need even messages with XXXX that item been to service and repair and still there isnt no update or refunding me any money i need my money back please

Company response to consumer: Closed with monetary relief