vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: GA

Complaint narrative:
XXXX XXXX is trying to collect a debt of {$490.00} saying it is from Klarna. I called them and they stated that I would need to talk to Klarna. I called Klarna and they stated i have no collections account with them! Ive disputed this account twice, both with XXXX and XXXX and it comes back verified and that is not true! This is causing me financial harm and distress as i am trying to purchase a home! 

Please this needs to be removed, it is invalid and not should not be on my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$1600.00} medical collection to XXXX that I do not recognize or authorize. I disputed the account via XXXX using XXXX XXXX compliance standards, but it was verified without any contract, billing agreement, or XXXX consent. I then submitted an FTC Identity Theft Affidavit to formally dispute the accuracy of this account. 

I requested documentation proving this debt is valid and authorized, but nothing was provided. I was also impacted by the XXXX  XXXX data breach, and I believe my data may have been misused. This account violates FCRA 609 and 611 and is causing financial harm by lowering my credit score. I am requesting immediate removal of the XXXX account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
Summary of Violations Consumer Portfolio Services ( CPS ) is attempting to collect on a fraudulent {$46000.00} auto loan that was backdated by Gates Automotive ( original lender ) Illegally assigned for {$23000.00} ( 50 % of face value ) Contains undisclosed finance charges** ( TILA violation ) 2. Evidence of Fraud Attached are Dated contracts CPS loan summary showing $ XXXX purchase price for $ XXXX retail installment debt TILA disclosure violations ( XXXX never identified as original lender )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In or around XX/XX/XXXX, Mr. Cooper Mortgage Company unilaterally cancelled our interior hazard insurance policy, despite it being explicitly listed as a requirement in our original mortgage disclosure documents. Mr. Cooper representatives have acknowledged this on multiple occasions. The cancellation was made without any form of notification to us, the homeowners. As a result, we were completely unaware that our property was no longer covered. 

At that time, Mr. Cooper appears to have mistakenly concludedwithout our inputthat hazard insurance was no longer necessary and stopped making payments from our escrow account. This seems to stem from a misinterpretation of our XXXX master insurance policy, which only covers the buildings exterior and not the interior of our unit. Consequently, we unknowingly went without essential insurance coverage for an extended period. 

In XX/XX/XXXX, our XXXX sustained damage. When we attempted to file a claim, we were shocked to discover that there was no active policy in place. We immediately contacted Mr. Cooper to determine what had happened. 

To this day, we have not received a clear explanation. We have spoken with numerous representatives across multiple departments, including escalations, and no one has been able to explain why our insurance was cancelled or why we were never notified. Our inquiries have gone largely unanswered, with agents ceasing follow-up and failing to return calls. 

To make matters worse, Mr. Cooper is now demanding that we provide proof of insurance for the coverage " gap '' a gap that exists solely because they chose to stop paying for insurance without our knowledge or consent. This request is not only unreasonable, it adds insult to injury after the financial harm weve already endured. 

We are prepared to provide additional documentation if needed. This situation has caused significant emotional and financial stress for our family. We are requesting the assistance of Consumer Affairs in holding Mr. Cooper accountable and ensuring this does not happen to other homeowners in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
i was a victim of identity theft and had XXXX fraudulent transactions. totaling approximately {$3600.00} stolen between XX/XX/year> - XX/XX/year> I also recently discovered that **Wells Fargo employees removed certain transactions from my claims without my authorization '' *. To clarify any confusion, 1 have included a *complete list of all unauthorized transactions** that were fraudulently withdrawn from my account during XX/XX/year> i've contacted the police and have an identity theft statement and everything i disputed the transactions well within the allotted timeframe and provided all the documentation to wellsfargo who then decided to deny my claim and close my account. saying i was too much of a risk. it's not my fault my account was stolen and drained XXXX the individual was debiting money from my account from all over the XXXX XXXX country how the XXXX you gunna tell me that i authorized it... i'm XXXX and practically homebound. this is highway robbery. it was the last off my social security money, i just want my money back

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 2025-03-27 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: WV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: WA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 
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

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 2025-03-27 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
{$20.00} sent via Venmo  on XX/XX/24 to my XXXX sons account. Venmo refused to refund the Monday, communicated back and forth with me multiple times with responses that didnt even make sense, and told me I had to get the refund from the person I sent the money to. Again, this person is my son and the account was frozen by Venmo, so he can not send the money back. Venmo has taken the money and held on to it, which is deceitful to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I requested the description of investigation procedures according to 15 usc 1681 ( 7 ) states if requested by consumer this must be provided with in 15 days in order to be in compliance with FCRA guidelines and I was not provided with those procedures within the 15 days which was submitted.I also let the bureaus know that due to FERPA violations done in the Department of Education, that they should delete and remove for the violation of my right of privacy and exposure of personal information. The only one that complied with the FERPA violation is XXXX and they have removed and deleted the Department of EducationXXXX account XXXX XXXX saw the inaccurate information reporting and they had done the investigation properly and deleted the account. If Transunion and XXXX was following their reinvestigation procedures like they should have they would have seen that XXXX deleted the account but they are not investigating according to the FCRA guidelines and taking the word of the furnisher. I also sent Transunion the following : Simply parroting information from data furnisher without actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX Transunion XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX 1997 ) and they still verified. The Webbankavant, XXXX  XXXX who sold to another collector and I sued and won and so not collecting, XXXXXXXX XXXX and Department of EducationXXXX XXXX XXXXeeps getting verified when if the investigation procedures were done correctly would not be reporting. These account are different in each bureau. This is harming the correct reporting and preventing me from having a valid report from the bureau.

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 2025-03-27 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: NJ

Complaint narrative:
Subject : Formal Dispute Violations of FCRA & Failure to Conduct Proper Investigation To Whom It May Concern, I am formally disputing an inaccurateaccount appearing on my credit report. This account is associated with an address that has never been my residence, and has never been reported on any of my credit obligations. Furthermore, the name on the account is missing my middle name XXXX making it abundantly clear that this account does not belong to me. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Failure to Investigate By continuing to report this clearly erroneous account, this credit beauru is in direct violation of : 15 U.S. Code 1681i Failure to Conduct a Reasonable Investigation : You have previously allowed this inaccurate account to remain, despite clear evidence that it does not belong to me.

15 U.S. Code 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : This account has no valid connection to me, yet it remains on my file.

15 U.S. Code 1681n Willful Noncompliance with the FCRA : By failing to act despite clear discrepancies, this credit buearu is willfully violating my rights.

15 U.S. Code 1681o Negligent Noncompliance : Your failure to correct this error after previous disputes demonstrates negligence.

Undisputed Proof of My Accurate Credit Profile Every single one of my legitimate installment and revolving accounts has always been and continues to report under my XXXX and only address for the past XXXX  years : XXXX XXXX XXXX This undisputed fact is further corroborated by the documentation attached to this letter. There is no justifiable reason for this account to remain on my file.

Demand for Immediate Action Given the blatant violations outlined above, I am demanding that : 1.Immediately remove this fraudulent account from my credit report.

2.Provide written confirmation of the accounts deletion within 30 days.

3.Cease and desist from any further reporting of this account. 

Failure to comply will result in legal action against this credit bureau for willful violations of my rights under the Fair Credit Reporting Act and any other applicable federal or state consumer protection laws. 

This is your final notice to correct this issue before I escalate the matter further. 

Sincerely, 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 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I paid a collection on XX/XX/year> through a collection agency. XXXX XXXX XXXX XXXX. This item was deleted from my credit reports but now has reappeared as a paid collection on my XXXX report. I contacted the collection agency and they told me it was XXXX fault. I had no choice to dispute again which can take XXXX  days. I pay XXXX for XXXX account and can not even get past their horrible automated system to speak to an agent. I called XXXX times and I am hung up on. I need to apply for an apartment to have a place to live, which they all use XXXX as part of their tenant screening services. I can not afford to have deleted collections reappearing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OFG BANCORP
State: PR

Complaint narrative:
Recently, Oriental Bank has been performing changes to online banking platforms. As a consumer, I was notified early in XXXX that I was ready to migrate to the new application, and so I did. Since the migration process, I have had worrying issues, like for example, that I was able to see in my personal information, details that I had updated since previous months. 

I was notified of this information and had no access to my accounts for a day or XXXX. When I was notified that my information had been updated. However, since that day I keep having unauthorized access to my account, and even though i have taken preventive measures this is keeping we worried since i believe that monitoring controls are not in place or robust enough to safeguard customers proprietary and personal information. 

On Thursday, XX/XX/year>, I was informed informally of a deliberate and not solicited change in my personal information linked to my online banking account. Even though I already fixed all access issues, and I have not requested any additional access or maintenance. On XX/XX/XXXX, another change was deliberately performed in my online banking profile in clear violation of GLBA requirements, policies and practices. 

Also, although I solicited a written communication/request to cease and desist the bank has shown no respect to this request, this has kept me feeling anxious and deeply worried. A complaint with the FTC was also filled, as these events might be linked to an account takeover and i might now be a victim of Id Theft because of Oriental Bank 's lack of controls and unavailability to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim

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