vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate credit reporting on my account that has severely impacted my credit standing. # # Detailed Dispute Information - **Current Credit Score Impact** : Reduced from XXXX to XXXX - **Account History** : Consistent history of timely payments and automatic payments - **Specific Incident** : Unexpected annual fee and late payment reporting - **Undisclosed Debt** : No prior notification received about outstanding fees # # Phone Call Details On [ Date ], I spoke with a XXXX  XXXX representative who :- Confirmed the account has been in good standing since XXXX - Verbally committed to sending a notification to Experian on XX/XX/XXXX - Agreed to waive the fees and remove late payment markers - Provided no written documentation of this commitment # # Legal Basis for Dispute I am invoking my rights under : - Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) The reporting of this debt violates consumer protection standards due to : - Lack of adequate notification - Reporting of unverified financial information - Significant negative impact on credit score without proper communication # # Requested Actions 1. Immediate investigation of the reported information 2. Removal of all negative markers related to this annual fee 3. Restoration of credit score 4. Provide written confirmation of investigation results # # Documentation Attached are supporting documents demonstrating : - Account payment history - Lack of prior notifications - XXXX  XXXX call reference information # # Legal Recourse I am simultaneously filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). Failure to investigate and correct these inaccuracies may result in further legal action.

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 2025-03-05 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-05 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: FL

Complaint narrative:
PERSONAL INFORMATIN WAS USED TO OPEN FRAUDULENT ACCOUNT WITHOUT MY CONSENT. FRAUDULENT ACCOUNT ARE BEING REPORTED ON MY CONSUMER REPORT

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am filing this complaint against the credit bureaus for not investigating and not responding to my request for an investigation in 30 days. I noticed months ago that my credit report had multiple errors reporting and it is very important to me that it gets addressed immediately. I have contacted the furnishers of the information and am currently anticipating their response. The credit bureaus are guilty of multiple fcra violations and this needs to be addressed. My credit report needs to be fixed today.

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 2025-03-05 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-05 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On my credit report they are reporting zero and showing a zero balance. I called the transunion and the rep said even though it was included in a bankruptcy and removed it is now back on my credit report because the company reported it AGAIN after it was written off and removed. My credit report shows 0 balance and paid off when you call the company they are reflecting an actual balance. I requested validation, anything they can mail, and I was told they will not be mailing anything and they will keep reporting this is inaccurate information and they are requesting air. Zero and paid but when you call my account shows a balance that cant be paid because its already zero and paid. They had no right to report again after it was removed this is inaccurate and bringing my score down even more. They told me it was written off I am not even sure why I am in their system if they write the debt off, claimed it on their taxes, my balance is zero and it was included in bankruptcy. When I inquired about pmt or a resolution they said nothing because it is zero on my report. It is showing PAID

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 2025-03-05 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: NY

Complaint narrative:
I am a confirmed victim of the Equifax data breach, which exposed my personal information and resulted in fraudulent activity on my credit report. I am requesting that the following account be blocked and permanently deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) : 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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have this credit card mercury I also have. 
A XXXXXXXX XXXX  Claiming that I'm old them a balance. Also, there is an XXXX credit credit card. There's also XXXXXXXX XXXX  Claiming that I have a an account with them with a balance. That I have to pay. And they are messing with my credit score. I asked these companies when they called for a debt validation claim I wanted full detail list of payment histories. 
I wanted to see original signature. That I agreed to sign with the original creditor. And? 
Has there been any insurance claim found on this debt or these debts?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NC

Complaint narrative:
This company is violating my rights they have not provided validation Information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made prior attempts to fix these issues with the company directly and they continue to violate my rights. I understand that I am entitled to {$1000.00} for each violation I have listed. They can either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I have been trying to resolve this situation and also credit bureaus since XX/XX/year>, they would give you a predatory repayment plan and continue adding fees on top of fees. Once they get you signed up its never any more communication. I believe they have violated fair lending laws through deceptive and unfair practices, excessive interest rates, hidden fees, misleading terms and aggressive collection tactics. 

Despite my efforts to resolve these concerns, Onemain has failed to provide transparency or fair treatment. Their actions have caused significant financial hardship, and I believe they should be held accountable. I request that your office investigate this matter and take appropriate action to prevent further harm to consumers. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Ga XXXX, XXXX XXXX XXXX, XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Klarna and XXXX XXXX for Unlawful Business Practices and Financial Exploitation Klarna Order # XXXX Merchant Order Refrence XXXX Dear Sir/Madam, I am writing to formally file a consumer complaint against Klarna XXXX and XXXX XXXX for their failure to honor a timely order cancellation and subsequent improper financial charges, despite my compliance with their return instructions. 
On XX/XX/XXXX, I purchased an XXXX XXXX through Klarna XXXX. Within two hours of placing the order, I changed my mind and immediately canceled the order via Klarna 's chat support. Additionally, I sent multiple messages to XXXX XXXX, the shipping company handling the laptop, requesting a return label. 
Despite numerous follow-ups, Klarna and XXXX XXXX failed to provide a return authorization in a timely manner. After persistent efforts, they finally responded, instructing me to return the laptop to XXXX XXXX. 
On XX/XX/XXXX, I shipped the laptop via XXXX, including a {$2000.00} insurance service for coverage. The package was delivered and received by XXXX XXXX with XXXX Tracking Number : XXXX. 
Despite following their return instructions, Klarna is still charging me for the laptop, and XXXX XXXX is refusing to acknowledge the return. This constitutes deceptive business practices, unfair financial treatment, and a violation of consumer protection laws. 
Requested Resolution : Immediate refund of the full purchase price, with no further financial obligations. 
Immediate removal of any charges or outstanding balances related to this order. 
Official investigation into Klarna XXXX and XXXX XXXX for deceptive and unfair business practices. 
I request urgent attention to this matter and look forward to your swift action in ensuring Klarna and XXXX XXXX are held accountable. Please confirm receipt of this complaint and inform me of the next steps. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX Please note that we were authorized by Klarna to proceed with the return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo make it a hassle to make payments toward the principle. They don't allow you to make payments toward the principle online. They say I have to make a separate payment and call them to apply it toward the principle. The website says you can make the payment at a branch. I went the branch and told them to apply it toward the principle only. I got a receipt stating it's for the principle only. I checked online and they took interest out of it. This is my first payment and I paid it XXXX  days early. I got no fees or late payments.

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 2025-03-05 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: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I applied for a loan with XXXX and linked my bank account and other information through their platform. A few days later, I started receiving emails stating that I was approved for various loans. 

Then, on Sunday of this week, I received an email stating that Speedy Cash was going to debit money from my account. Concerned, I called the number provided in the email. The representative asked for my birthdate and the last four digits of my Social Security number, which I provided before realizing it might be a scam. 

To verify their legitimacy, I asked for a simple piece of informationmy banks routing number. This is not personally identifiable information ( PII ), and if they had access to my actual account details, it would have strongly suggested that my information had been stolen. However, they did not provide it. 

I then contacted XXXX and spoke with them about the situation. They reminded me that, during my loan application process, I completed everything on my phone. I linked my bank account through a secure login process rather than manually entering my account number. 

If my phone has a virus capable of capturing and misusing this information, I would be genuinely impressed. 

If they do end up taking money from me, it will be upsetting. Especial when they refuse to provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2025-03-05 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Lnvn funding states an account was open with the amount of {$460.00} on XX/XX/year> and I have no knowledge. I am in no contractual agreement with them and this goes against USC 15 262.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

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. 


FRAUDULENT 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 seven 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 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