vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
Experian 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 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, where Experian 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 Experian 's 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I reached out to PennyMac in XX/XX/XXXX and XX/XX/XXXX regarding my XXXX account overage because part of my property taxes were paid outside of my XXXX account. PennyMac sent me a XXXX analysis that indicated I needed to pay {$330.00} to keep my mortgage from increasing and explained that my mortgage escrow account would increase by {$19.00} to cover property insurance due to a {$220.00} increase. I paid the excess before the XX/XX/XXXX due date. I then inquired about my refund for the Escrow overage minus the amount to cover the insurance increase. PennyMac advised that I would have to have another analysis completed and my mortgage would increase by another {$19.00} due to the insurance which was in addition to the original increase, and that I would not get back the {$900.00} which would be the refund amount minus the required reserve and Escrow paid for XXXX and XXXX. PennyMac would never acknowledge that if I had not received the property tax refund there would not have been an excess overage in my Escrow. They would also not acknowledge that my reserve has never been over {$2000.00} the way it is now in XX/XX/XXXX. PennyMac appeared to have dispersed the tax refund the way they chose to instead of refunding the overage and allowing the consumer to make the choice as to whether they would want to cover more in XXXX to avoid a Escrow increase after the XXXX analysis is completed. I just asked PennyMac to please refund the {$900.00} and explained with the amount that would remain, and continue to be paid into my escrow for the next few months, I would have well over enough in addition to well over the reserve amount necessary even after property taxes and insurance are paid in XXXX. PennyMac disagreed and continued to say my mortgage would have to increase again as well as the Escrow, and another Escrow analysis would need to be completed. They could never breakdown or explain in detail how they determined that my Escrow account was not eligible for the refund I expect, and how they are trying to make new rules now since there is a excess overage when it would not be that way had it not been for my property tax refund. They also kept asking me why I was receiving a refund and I ultimately explained that someone paid {$1000.00} toward my taxes for me which even if it is in my Escrow, I am still entitled to a refund. Please assist with resolving this issue. PennyMac and I corresponded from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have contacted XXXX XXXX XXXX  on multiple occasions about identity theft and that this account is not mine. Someone out multiple phones in my name from different phone companies and everyone else removed the issue proving it immediately it wasnt mine and deleted it off my report but one company will not and this is very frustrating and causing issues with tenants screening or any type of credit due to me having to deal with fraud. There is an apartment under XXXX that is incorrect amount as well, as well as this XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card that is under an ex spouse not me or not mine at all. I dont even recognize this. I have disputed the same things so many times and showed even a police report showing I had nothing to do with this and yet I am still dealing with the issues. Also I also want to complain that someone has gotten my information and it has been shared without my consent and I will like to remove this and press the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I have contacted XXXX XXXX XXXX  on multiple occasions about identity theft and that this account is not mine. Someone out multiple phones in my name from different phone companies and everyone else removed the issue proving it immediately it wasnt mine and deleted it off my report but one company will not and this is very frustrating and causing issues with tenants screening or any type of credit due to me having to deal with fraud. There is an apartment under XXXX that is incorrect amount as well, as well as this XXXX XXXX and XXXX XXXX credit card that is under an ex spouse not me or not mine at all. I dont even recognize this. I have disputed the same things so many times and showed even a police report showing I had nothing to do with this and yet I am still dealing with the issues. Also I also want to complain that someone has gotten my information and it has been shared without my consent and I will like to remove this and press the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CO

Complaint narrative:
On XX/XX/XXXX, I purchased tickets for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}, which obtained them from XXXX, and financed the purchase through Affirm. The total price, including hidden service fees and artificially inflated dynamic pricing, was not transparently disclosed at checkout, leading to an unexpected financial burden. 

Upon discovering that the tickets were grossly overpriced due to deceptive business practices, I attempted to resell them through XXXX, only to find that XXXX imposes excessive fees on both sellers and buyers, making it financially impractical to recover costs. XXXX refused to issue a refund, citing its rigid " All Sales Final '' policy, despite the Colorado Consumer Protection Act ( C.R.S. Title XXXX, Article XXXX ) and the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibit deceptive trade practices.

I formally disputed the charge with Affirm and requested that they void the loan due to XXXX fraudulent pricing practices and lack of transparency. On XX/XX/XXXX, Affirm denied my dispute, relying solely on XXXX refund policy instead of investigating the misrepresentation and deceptive nature of the transaction. 

Since then, I have filed a XXXX  complaint against Affirm, to which they have not responded for over a week and a half. Meanwhile, Affirm continues to send daily collection emails despite being aware of this dispute. Additionally, I have already paid two months toward this fraudulent loan and am requesting that Affirm issue a refund for those payments in addition to voiding the loan. 
Relevant Legal Precedents : Several ongoing lawsuits highlight the deceptive nature of XXXX and XXXX business practices : XXXXXXXX XXXX XXXX XXXX : Plaintiffs accused XXXX XXXX fraud, price fixing, and enabling scalpers, harming consumers through artificially inflated pricing. 
XXXX XXXX XXXX XXXXXXXX : A federal class action alleging that XXXX misled fans, violated antitrust laws, and engaged in deceptive pricing tactics. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : A DOJ antitrust lawsuit ( joined by 29 states, including XXXX XXXX  seeking to dismantle the monopoly between XXXX and XXXX XXXX citing anti-competitive behavior and consumer harm. 

This transaction was facilitated through deceptive business practices that are currently under federal investigation, and I urge Affirm to reconsider its decision and resolve this matter fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I am formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant.

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I received an offer from Chase bank to open my account and receive a bonus of XXXX dollars. I transferred my paychecks to it, received my direct deposits but didn't receive the bonus. I went to the bank a few times and they told me that the person who opened my account didn't do it correctly and that's why I didn't receive it and that there was nothing to be done. 
However, this is an error on the part of the bank which can be escalated and resolved, as there was no fault on my part. The bank was not interested in helping me. 
That's why I'm opening this complaint to try to resolve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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 am formally requesting an investigation into certain accounts and inquiries that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant.

According to 15 U.S.C.1681, I have a legal right to privacy and accuracy regarding my financial data. Specifically : 15 U.S.C.1681 Section 602 ( a ) affirms my right to financial privacy.

15 U.S.C.1681 Section 604 ( a ) ( 2 ) states that accounts can not be reported without explicit written authorization.

15 U.S.C.1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years ( except criminal convictions ).

15 U.S.C.1681s-2 ( a ) ( 1 ) requires furnishers to ensure all reported information is accurate.

Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX XXXX BALANCED {$910.00} XXXX  XXXX BALANCED {$640.00} XXXX XXXX XXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$520.00} XXXX XXXX XXXX  XXXX BALANCED {$4200.00} XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXXXXXX BALANCED {$770.00} XXXX XXXX BALANCED {$1700.00} XXXX  - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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:
I recently received a copy of my report, and noticed that I have fraudulent activity I would like you guys to removed them, cause there are hurting my ability to obtain a credit.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I obtain an attorney on XX/XX/year> by debit card payment for an XXXX XXXX XXXX XXXXXXXX XXXX XXXX Huntington bank for {$3000.00}. The attorney passed away and my case was then taken over by her partner and spouse who died as well a few months later. The court case was dated for XX/XX/year>, in which both attorneys died before this time and could not possible represent me in this case. I filed a dispute with Huntington bank in which they initially returned the {$3000.00} and then a month later withdrew the money from my account again stating that they found no evidence in there investigation and this then not only took the {$600.00} I had in my account at the time but put my account in the overdraft of {$2400.00}. I tried to appeal and asked them to send me info of how this can be reversed in which they declined stating they can not confirm my claims. now the bank has put me in check systems and sent my account to collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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:
I am formally requesting an investigation into certain accounts that appear on my credit report. These items may be in violation of federal consumer protection laws, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure my report is accurate and compliant. 
According to XXXX XXXX. XXXX, I have a legal right to privacy and accuracy regarding my financial data. Specifically : XXXX XXXX Section XXXX ( a ) affirms my right to financial privacy. 
XXXX XXXX Section XXXX ( a ) ( XXXX ) states that accounts can not be reported without explicit written authorization. 
XXXX XXXX ( a ) ( XXXX ) prohibits reporting adverse information older than XXXX years ( except criminal convictions ). 
XXXX XXXX ( a ) ( XXXX ) requires furnishers to ensure all reported information is accurate. 
Given these legal protections, I request a thorough review of the disputed items. If they can not be substantiated with proper documentation, they should be removed immediately. Please provide written confirmation of your investigation and any corrective actions taken

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 2025-02-22 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX  BALANCED {$0.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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