vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I have filed numerous disputes and have not received removal or information regarding the status of my disputes.

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 2025-01-27 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: AL

Complaint narrative:
I have filed numerous disputes and have not received removal or information regarding the status of my disputes.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Initial set up of system didnt have customers account safeguards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-01-27 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: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-01-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
MY CONSUMER REPORT HAS SEVERAL ACCOUNTS THAT ARE INACCURATE, UNVERIFIED. THESE ACCOUNTS ARE A VIOLATION OF THE FCRA AND MUST BE DELETED. THEY HAVE DIFFERENT DATES OF LAST ACTIVITY AND DIFFERENT DATES AND INACCURACIES IN THE PAYMENT HISTORY FOR EACH ACCOUNT BETWEEN EQUIFAX, XXXX AND XXXX. ( XXXX XXXX XXXX XXXX  ) ( XXXX XXXX  ) ( XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to make a credit application for XXXX XXXX via their partner institution Synchrony Bank. The purchase account was approximately {$1200.00}, and I requested credit to pay this amount over time.

Instead, after applying through Synchrony ( as the only option provided for credit ), I was provided with a credit line of {$800.00}. I explicitly applied for credit for the amount of the order, and instead of being declined, I was provided with a credit line insufficient to cover the full cost.

I attempted to purchase with this insufficient line, in the hopes that XXXX XXXX would require me to make a down payment for the remainder, but was told the purchase was declined by Synchrony. I am now left with a card I did not agree to be responsible for, and will be reported as if it is a current credit card on my credit report.

I am requesting Synchrony Bank close this unauthorized account, and retract its associated fraudulent credit inquiry.

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 2025-01-27 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: CA

Complaint narrative:
XXXX has 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 XXXX, 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, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.

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 2025-01-27 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I placed an order for XXXX with an Affirm Virtual Card, which allows me to pay monthly, on XX/XX/XXXX. The order was never delivered, and I disputed this transaction with a lot of evidence. I then disputed this order with Affirm on XX/XX/XXXX. The Loan ID is XXXX. To this date, XX/XX/XXXX, I've only paid off {$190.00} and haven't paid the rest {$610.00} remains to be paid.

I received an email from Affirm showing that I have won the dispute in my favor, two emails totaling the exact order amount of {$680.00}.

I will quote a statement from the emails I received : " Since the dispute was resolved in your favor, you are no longer responsible for any future payments, and you will be refunded any payments that you've already made. '' As shown in the emails from Affirm, I am not responsible for paying any further amounts ; I stopped paying because I never received my order with XXXX. I disputed this purchase, and I won the dispute. However, I am still being called and emailed by Affirm to pay off my Loan with the Affirm Virtual Card. I've tried countless times to contact Affirm and receive an ultimatum or status of my dispute. However, I never receive an update ; I only receive emails and calls to pay off my Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I opened a Robinhood account so I could buy some crypto currency. I funded the account with {$1000.00} and purchased Ethereum with those funds. Robinhood notified me that my account was on restriction and I needed to provide copies of my bank statement. I complied and sent them that documentation. Around XX/XX/XXXX I decided that I did not have the tolerance for the crypto market and placed the order to sell my XXXX XXXX. They complied and placed the remaining funds, {$810.00} back into my holding account on their platform. I tried to withdraw the funds back to my bank account and was denied with the reason that my XXXX account was restricted. I requested a call from them around XX/XX/XXXX. They eventually closed that support ticket stating that I missed their call. My phone never registered a call from them. I opened another support call with them and around XX/XX/XXXX, their support team finally called me on XX/XX/XXXX. They asked a bunch of questions about my intentions for the account I had opened. I tried to explain that I wanted to buy come crypto but had quickly decided that I no longer wanted to do that and just wanted to have my remaining money returned to me. They again requested copies of my bank statement which I sent them again. Around XX/XX/XXXX or XXXX I was notified that my account would be closed by them. I could still see they had my remaining funds, {$830.00} dollars in my XXXX account. On XX/XX/XXXX I was notified that my account was closed. I could still see they had my remaining funds. Due to my account being closed I can no longer communicate with their support team and they have not returned my funds and now the funds are no longer being shown in my XXXX account. I've been waiting for them to be returned to my bank account but that's not happening. I just want to know when and how my funds will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my abillity to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Iam asking you to verify. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX Business Account I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including Experian. 

Recent Lawsuit Findings : In separate rulings, courts have determined that Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely, 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 2025-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Summary of the Problem PHH Mortgage Services has engaged in practices that violate XXXX XXXX XXXXXXXX XXXX, federal laws, and VA-backed loan requirements. Specifically, PHH has : XXXX. Mismanaged Loss Mitigation Applications : Repeatedly requested documentation already submitted, causing delays in processing and increasing financial hardship. 


XXXX. Issued Misleading Default Notices : Sent threatening foreclosure notices without providing clear or accurate information about alternatives, such as repayment plans or forbearance options. 


XXXX. Imposed Unauthorized Fees : Charged excessive fees, including returned payment fees and automatic payment adjustments, without borrower consent or adequate notice. 


XXXX. Denied Hardship Applications Without Explanation : Arbitrarily rejected requests for loan modifications, citing vague reasons such as " failure to meet investor guidelines. '' XXXX. Failed to Exhaust Foreclosure Prevention Options : Pressured borrowers to accept modifications or face foreclosure, even when existing agreements like forbearance plans were still in effect. 



These practices have caused financial strain, delayed access to relief options, and increased the risk of foreclosure, violating borrower rights under XXXX XXXX, VA, and federal regulations. 


-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 have submitted multiple disputes requesting to remove negative items and provided proof, however, the documents were ignored and items remained on report. 

Equifax ( XXXX ) Incorrect reporting for derogatory marks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XXXX ) Incorrect Reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian ( XXXX ) Incorrect reporting : XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On XX/XX/XXXX I was checking out at Walgreens at XXXXXXXX The cashier advised me that I could get {$75.00} in store credit if I opened a Walgreens card. I told him I did not want to incur another inquiry or new account on my credit file. He insisted that this was an in-house Walgreens card that did not report to the credit bureaus, so I agreed to sign up. I gave him my driver 's license and then a prompt on the keypad asked for my social security number. I again asked the cashier to confirm this wasn't a credit application and he did. He informed me that my store credit paid for the item I was purchasing and I left the store. 

Soon after I received notifications from credit monitoring apps about a new inquiry. In checking my receipt for the store 's phone number I saw that I had been signed up for a Walgreens credit card. I called Walgreens and told the store manager that the cashier had given me false information that resulted in harm to my credit score. The manager told me that a Synchrony rep had told them that only a soft inquiry would be done and that customers ' credit would not be affected. 

I called Synchrony and explained what happened, and told them I was not trying to open a line of credit. I asked to have the account and the hard inquiry removed. The agent told me all I could do was close the account. I told her I didn't think it was fair that my credit file should be negatively affected because Synchrony gave false information in its guidance to store employees, and that I never would have proceeded had I been given the correct information. She said that technically, no fraud had taken place and therefore she could close the account but the new account entry and inquiry would remain. Now my credit score has dropped XXXX points and I fear my other creditors will take adverse action as a direct result.

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 2025-01-27 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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