vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
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  Any Affiliated Third-Party Collectors ________________________________________ Re : Accounts Allegedly Owed / Bankruptcy Case No. XXXX This is a request for full validation of debt and an immediate cease and desist demand regarding the above-referenced accounts and inquiries. 
________________________________________ 1. Bankruptcy Discharge Notice Please be advised that I filed XXXX XXXX Bankruptcy, Case Number XXXX, which was duly discharged. Any alleged accounts included in this filing, including but not limited to XXXX XXXX and any debts held or reported by XXXX XXXX or XXXX XXXX XXXX, are permanently discharged and no further collection activity is permitted under 11 U.S.C. 524 ( Bankruptcy Discharge Injunction ).

________________________________________ 2. Debt Validation Demand Pursuant to 15 U.S.C. 1692g of the FDCPA, you are required to provide proper validation of any alleged debt before attempting to collect. This includes : Original signed agreement or contract Full accounting/payment history Proof of legal ownership of the alleged account Evidence that this debt was not included in my XXXX XXXX  discharge Failure to provide proper validation means you must delete all reporting and cease collection immediately. 
________________________________________ 3. Cease and Desist You are hereby notified under 15 U.S.C. 1692c ( c ) that you must cease all communications with me regarding these accounts. Any further contact, except to provide proper validation, will constitute a willful violation of the FDCPA and may be pursued legally.

________________________________________ 4. Credit Reporting & Hard Inquiries I also dispute the unauthorized hard inquiries placed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there is no permissible purpose under 15 U.S.C. 1681b ( FCRA ) for these inquiries, I demand their immediate removal.

________________________________________ 5. Notice of Rights & Enforcement If you fail to comply with this request : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office.

I will pursue private remedies under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n/o ( FCRA ) for statutory damages, actual damages, attorneys fees, and costs.

________________________________________ 6. Demand for Deletion All unvalidated, discharged, or unauthorized accounts and inquiries must be deleted from Experian, Equifax, and TransUnion immediately to remain in compliance with federal law. 
________________________________________ Sincerely, XXXX XXXX ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
To Whom It XXXX Concern, I am writing to formally demand the immediate removal of an unauthorized hard inquiry that appears on my Equifax credit file. The inquiry in question is : Date of Inquiry : XX/XX/year> Company : XXXX XXXX I did not apply for credit with XXXX XXXX nor authorize this inquiry. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA 604 ( a ) ( 2 ), 15 U.S.C. 1681b A consumer reporting agency may only furnish a consumer report when there is a permissible purpose and the consumer has provided authorization.

FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g I have the right to know who has accessed my credit file and to dispute any unauthorized access.

FCRA 611, 15 U.S.C. 1681i I have the right to dispute inaccurate or unauthorized information, and Equifax must conduct a reasonable reinvestigation within 30 days.

FCRA 616, 15 U.S.C. 1681n Any willful noncompliance with the Act subjects a consumer reporting agency to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Today I received a text message from XXXX XXXX that my account was overdrawn, which has never happened to me. I quickly realized that Mr. Cooper charged me twice for my monthly mortgage payment. My wife usually pays me half of our monthly from her bank account, so twice the full amount was more than I was prepared to be charged at the moment. When I contacted them asking what happened, they claimed I submitted payment twice, which I absolutely did not. I said if they could provide any kind of proof that I submitted payment twice, I wouldnt file a complaint with CFPB. They did not, because I didnt. They said if I submitted documentation, I could get a refund in 5-7 business days. So basically, they get to steal a brief interest-free loan of around {$3700.00}, which, if done at scale, could be a pretty lucrative business model. Im traveling out of the country next week, so this is very inconvenient for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 have disputed inaccurate accounts with credit reporting agencies ( Equifax & Experian, ). Each bureau has failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i : Equifax ( XX/XX/year> ) blocked me from uploading supporting documents and previously dismissed my dispute as duplicative under 1681i ( a ) ( 3 ) ( A ), even though I provided new evidence including fiduciary notices, affidavits, UCC-1 filings, and proof of harm.

Experian returned a message that my dispute was duplicative and refused to reinvestigate. This is unlawful because I submitted new and different information not reviewed before. 


In addition, an Equifax representative XXXX XXXX XXXX admitted by phone that the bureaus use e-OSCAR exclusively, do not call furnishers, and share responses across all three bureaus. This shows that no independent investigation is being performed. 

The result is that inaccurate, harmful information remains on my credit reports while the bureaus block me from exercising my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I have disputed inaccurate accounts with credit reporting agencies ( Equifax & Experian, ). Each bureau has failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i : Equifax ( XX/XX/year> ) blocked me from uploading supporting documents and previously dismissed my dispute as duplicative under 1681i ( a ) ( 3 ) ( A ), even though I provided new evidence including fiduciary notices, affidavits, UCC-1 filings, and proof of harm.

Experian returned a message that my dispute was duplicative and refused to reinvestigate. This is unlawful because I submitted new and different information not reviewed before. 


In addition, an Equifax representative XXXX XXXX XXXX admitted by phone that the bureaus use e-OSCAR exclusively, do not call furnishers, and share responses across all three bureaus. This shows that no independent investigation is being performed. 

The result is that inaccurate, harmful information remains on my credit reports while the bureaus block me from exercising my rights under the FCRA.

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self Financial is inaccurately reporting late payments on my XXXX XXXX XXXX credit reports. However, my XXXX credit report dated XX/XX/year>, does not reflect these late payments. 

This inconsistency violates FCRA 607 ( b ), which requires consumer reporting agencies and furnishers to assure maximum possible accuracy. Reporting derogatory history on some bureaus but not others shows the data can not be verified.

I requested verification, but neither Self Financial nor the credit bureaus have produced original account statements or signed loan records proving these delinquencies. Without such documentation, the negative reporting is unverifiable under FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-10 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 purchased a product ( XXXX  ) from XXXX XXXX XXXX XXXX via Klarna on or around XX/XX/year>, for approximately {$900.00}. The device was advertised with strong performance claims, including completely hands-free use, strong suction from a vacuum-producing piston, and the best suction sensation. These statements were prominently displayed on the product page and reinforced with demonstrative videos and bold marketing language. 

Upon receipt, I tested the unit on XX/XX/XXXX and found it failed to operate as advertised : It repeatedly detached during use and could not maintain suction. 

It required constant repositioning, making hands-free use impossible. 

The overall functionality fell significantly short of the advertised claims. 

I contacted the seller on XX/XX/XXXX, within three days of delivery, requesting a return and refund. I offered to return the item in all original packaging. The company declined my request, citing a no-returns policy for opened productseven in cases of defects. They instead offered a non-advertised accessory ( XXXX XXXX XXXXXXXX ) to try and force the product to work. 

Following their refusal, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Complaint ID : XXXX ). The business responded by shifting blame to user error and dismissing my detailed explanation, despite evidence that I had followed all setup instructions. I responded again on XX/XX/XXXX, clarifying the facts, correcting their false claims, and again requesting a fair resolution : a refund and prepaid return label. They denied all further responsibility. 

I then submitted a dispute through Klarna on XX/XX/XXXX, stating the product was not as described. I provided Klarna with : Side-by-side comparisons of the products claims vs. its actual performance. 

Screenshots of the misleading advertisements. 

Email exchanges with the seller, including their refusal to accept a return. 

The full XXXX  complaint history showing my attempts at resolution. 

Despite all of this, Klarna eventually denied the dispute, stating they could not proceed due to insufficient evidence, even though the documentation clearly demonstrated that the product failed to meet basic advertised claims and the seller refused to remedy the situation. 

This has left me with a {$900.00} charge for a nonfunctional product, zero accountability from the seller, and no support from Klarna, despite fulfilling all requirements for a billing dispute. I am now seeking intervention by the CFPB, as Klarna has not fulfilled its obligation to protect consumers under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NY

Complaint narrative:
I opened a U.S. Bank Platinum Business Checking account ( Application # XXXX ) under promotional code XXXX, which advertised a {$900.00} bonus for depositing at least {$25000.00} in new money within 30 days, maintaining a {$25000.00} balance for 60 days, and completing at least XXXX qualifying transactions. I fully met these requirements. 

After satisfying the promo requirements, I downgraded the account to a nonprofit checking product in XX/XX/year>. On XX/XX/year>, I spoke with U.S. Bank customer service representative XXXX, who confirmed my eligibility and submitted an escalation, promising a response within 3 business days. To date, U.S. Bank has not credited the {$900.00} bonus or provided a resolution. 

The promotional terms ( XXXX ) clearly state that the bonus will be paid within 30 days following the last calendar day of the month in which requirements are met, provided the account is open and has a positive balance. My account remained open, funded, and compliant throughout. 

U.S. Bank has failed to honor the advertised terms of its promotion. I request that the CFPB require U.S. Bank to ( 1 ) credit the {$900.00} bonus, ( 2 ) provide transparency on how they administer promotional offers, and ( 3 ) ensure business customers are treated fairly when they meet all advertised requirements.

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 monetary relief
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-10 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: NC

Complaint narrative:
Atlantic Recovery Solutions : 11 phone calls in 8hr period are obscene.

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 2025-09-10 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
During the holidays, I had ordered pair of shoes for my XXXX  with the XXXX XXXX. When my shoes stated it was delivered with a photo that was not my front door, I immediately disputed the order. I contacted XXXX  and they stated theyll send out another pair but charged me the non sale price which I was upset about. When they delivered it again, they got delivered to the wrong address AGAIN. When I called XXXX  irritated and super annoyed, I called them why do they keep sending it to an address that I did not put on the delivery. They stated that XXXX sends it to their address on file which is completely ridiculous because at the end of the day, its not the address I put on their company website to where to have my shoes delivered so I had to dispute again. After a few weeks after that incident occurred, chime closed my account for no reason even when I sent all proof of them. When I called multiple times as to why they closed my account being a loyal member for years, the answer was that they cant tell me or give me any information. Its so frustrating because theyre supposed to tell me why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WV

Complaint narrative:
Yes I have been getting direct deposit into my cash app account for 5 months now I make all qualifying requirements to get overdraft coverage yet everytime I message ur support I am told I dont get it and a list of ways to qualify over and over and again I make all of them and no one can or will tell me why I still dont get it it states if I bank with u I get my benefits and thats a lie ur customer support is prolly the worst I have ever dealt with in my life Im about to start a new job as well and I refuse to use ur bank if Im not given answers and I will also change my banking for my ssi that I now use with u if someone cant explain to me why my account isnt getttinf something i should have its my account I deserve to have answers and ur support refuses they repeat the same message which makes it look like they are told what to say and have no clue how to do there job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-10 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: CA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. 
The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$330.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00}

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