vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: Chime Financial Inc
State: NC

Complaint narrative:
Subject : Complaint Regarding Compromise of Personal Information in XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint concerning the compromise of my personal information during the XXXX data breach, which occurred between XXXX and XX/XX/year> and was publicly disclosed on XX/XX/year>. 
XXXX As a result of this breach, my sensitive personal dataincluding my name, address, Social Security number, date of birth, and driver 's license numberwas exposed. 
XXXX XXXX Since the breach, I have experienced significant damages, including : XXXX XXXX  accounts : Chime Bank compromised and {$10000.00} missing out of account. Chime did not protect me at all. After submitting all necessary paperwork required for a liable claim. They continue to deny due to the unauthorized use of my complete and entire credit file info was used to make these transactions. Due to Breach. 

Credit Damage : Unauthorized accounts have been opened in my name, adversely affecting my credit score. Despite my efforts to dispute these inaccuracies, my creditworthiness remains compromised. 
Emotional Distress : The ongoing threat of identity theft has caused me considerable anxiety and stress, impacting my daily life and well-being. 
Financial Losses : I have incurred expenses for credit monitoring services and identity theft protection to safeguard my personal information. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the negligence exhibited by XXXX in protecting consumer data. I also seek guidance on any further steps I can take to mitigate the impact of this breach on my personal and financial well-being. 

Thank you for your attention to this serious matter. I look forward to your prompt response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XXXX my wallet was stolen and my ally credit card was used on those XXXX days on the XXXX after I noticed I called and advised them if the fraud and I was told not to worry they'll take care of it as of XX/XX/year> they are yet to remove these charges and will not tell me when the card had a XXXX balance but I'm being forced to make a minimum payment on a balance I didn't create

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
VALIDATION AND CEASE AND DESIST Dear Jefferson Capital I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/25 I was approved for a Capital One credit card ending in XXXX with online access, only minutes later my gov't issued identification was required to access account. 
My attempts to close unactivated, unsent, unreceived card with XXXX balance was met with threats of interest on non-existent balance. This was a scam to generate phony balance through data mismanagement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
In XXXX of XXXX, I was getting off work when my dispatcher said there was someone trying to get into contact with me. That person was this debt collector and that's how they initiated contact with me to pay. This started all of the harassment that followed until XXXX when I was trying my best to pay what I owed. They wouldn't work with me to try and pay even while I was struggling to pay bills at the time. After XXXX, after trying to negotiate some kind of payment, they listed my account as refusal to pay and had not contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: GA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  The Credit Collection Services Company XXXX XXXX XXXX XXXX, XXXX XXXX Re : Debt Validation Request under 15 USC 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt associated with XXXX XXXX XXXX XXXX. I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 



In accordance with my rights under federal law, I respectfully request the following information to validate the debt you claim I owe : 1. A detailed history of payments made on the account : Please provide a complete and itemized payment history, including amounts, dates, and methods of payment, to substantiate your claim. 

2. A signed contract or agreement : I request a copy of any contract or agreement that bears my signature and demonstrates that I agreed to pay this debt to XXXX XXXX XXXX XXXX or any subsequent creditor. 

3. Documentation of any insurance claim : Please provide records of any insurance claim related to this debt, including claim details, payouts, and supporting documentation. 

4. Proof of chain of title : I am requesting proof that you have the legal right to collect this debt. This includes any documentation showing the transfer or assignment of the debt from the original creditor to your company. 



As per the FDCPA, while you were to validate this debt, all collection activity was to be ceased until you provided the requested documentation. Due to such not being properly verified and were unable to validate this debt, you are required to notify all credit reporting agencies to remove any reference to this alleged debt from my credit file. 



I look forward to your timely response. Please send all correspondence and documentation to my address listed above. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I took out student loans in XX/XX/XXXX through XXXX at the time. I had paid off all my loans by XX/XX/XXXX. Unfortunately I dont have documentation because in the process my loans were transferred to MOHELA. In XX/XX/XXXX I started receiving calls and bills from MOHELA stating I owe around {$2000.00}. When speaking with them on the phone for over an hour the only payment history they could provide me with was a reimbursement date of XX/XX/XXXX. I refuse to pay this loan when I was never notified I had loans & 3.5 years went by without contacting me as well as having absolutely no payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Here 's a complaint letter you can send to the Consumer Financial Protection Bureau ( CFPB ) regarding the issues you've encountered with Bank of America : -- - [ Your Name ] [ Your Address ] [ City, State, I am writing to file a formal complaint against Bank of America regarding several unresolved issues with my account that was recently closed without proper documentation, as well My account with Bank of America was closed recently, but I have not been provided with any formal documentation explaining why this closure occurred. Despite several attempts to contact customer service, I have not received clear answers or any credible information regarding the closure of my account or the status of my funds. Furthermore, I have been unable to access my account online due to technical issues with the banks website, preventing me from viewing transaction history, deposits, and withdrawals. This lack of transparency has caused significant distress and financial inconvenience. 

Customer Service Issues I have contacted Bank of Americas customer service multiple times to resolve this issue, but I have encountered conflicting information and no resolution. No representative has been able to provide adequate documentation or a satisfactory explanation regarding the closure of my account or the transactions that have occurred. I have also been told that there is no further assistance that can be offered, which I find unacceptable.

Missing Account Documentation I have requested a detailed statement outlining all transactions and the reason for the account closure, but Bank of America has not provided this information. This lack of documentation has left me in a position where I am unable to verify the status of my funds or understand the reasons behind the actions taken on my account.

Request for Immediate Resolution I am requesting that the Consumer Financial Protection Bureau investigate Bank of Americas practices regarding the closure of my account and the failure to provide documentation. Additionally, I would appreciate your assistance in ensuring that the bank complies with its legal obligations to provide clear, accessible, and accurate information regarding my account.

This situation has caused significant stress, financial hardship, and confusion, and I am seeking a resolution to ensure that my account is properly closed with all necessary documentation and that I receive the assistance I need to resolve this issue. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XXXX  XXXX XXXX These creditors are unable to provide proper documentation proving that I am able to pay the interest and charges on the account.

American Express collectors reached out and make false representations about my account. While the payment was active, the still reported the account as charged off. 

All creditors are unable to prove that I made an agreement of payment on each account. 

I am hereby requesting that all XXXX closed accounts on my credit report be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank of America These creditors are unable to provide proper documentation proving that I am able to pay the interest and charges on the account. 

XXXX XXXX collectors reached out and make false representations about my account. While the payment was active, the still reported the account as charged off. 

All creditors are unable to prove that I made an agreement of payment on each account. 

I am hereby requesting that all XXXX closed accounts on my credit report be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report has someone else 's information including former name, current address, open/revolving accounts, auto loan. His usage is affecting my credit score. I want to get this fixed. I am writing the last 4 digits of all the open accounts that do not belong to me ( XXXX XXXX XXXX ) but are reflecting on my credit report. 

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 There is a closed account XXXX XXXX XXXX also which DOES NOT belong to me. 

In my entire life, I applied for one credit card from XXXX  which end with XXXX and I do not see that on my credit report. 

Now I see a XXXX XXXX XXXX XXXX which also does not belong to me XXXX XXXX XXXX and has a account number ending with XXXX. It has a balance of {$19000.00} and term duration of 72 MONTHS. How can I give this precise information about someone else 's auto loan because it is reflecting on my XXXX credit report. 

There is also a COLLECTION reported on my credit report and it DOES NOT belong to me. Here is the information : XXXX XXXX - XXXX. XXXX XXXX XXXX Original Creditor Name- XXXX XXXX IL Date Assigned-Mar XXXX, XXXX Original Amount Owed- {$200.00} Amount- {$210.00} Status Date-Dec XXXX, XXXX Status-UNPAID Balance Date-Dec XXXX, XXXX Account Designator Code-INDIVIDUAL_ACCOUNT Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification-RENTAL_OR_LEASING Date of First Delinquency-XXXX XXXX, XXXX Coming to Personal Information the following personal information is also INCORRECT : Incorrect Name- XXXX XXXX Incorrect Former Names : XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX Incorrect Social Security ending with XXXX XXXX XXXX of Birth : XXXX XXXX XXXX 

And now I m listing all the incorrect Current and Former Addresses : Status Address XX/XX/XXXX CURRENT XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX CT XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX I've attached the screenshots from my XXXX Account to support my request. All the information mentioned above needs to be removed and fixed asap.

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