vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PatientFi, Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX TX XXXX on XX/XX/year> for consultation regarding XXXXXXXX XXXX  and to learn about their XXXX XXXX XXXX. I was seeking relief from debilitating pain. I was not sure if I was eligible for XXXX XXXX XXXX because of my age and feared losing my mobility. I am XXXX years old. I did get real help and XXXX XXXX XXXX on XX/XX/XXXX after this extremely stressful experience that I am seeking help to resolve. 

I was coerced by a very aggressive patient care coordinator whom my husband and I thought was a doctor at the time into signing up for XXXX XXXX XXXX XXXX XXXXXXXX. The cost of the therapy was {$7000.00}. I wanted to come back the next day but this coordinator said if we signed then it would be {$6500.00}. This peson then said if my pain was a 10 today by tomorrow it would be a 4, so we agreed to try it. I had reservations and was very shaky and confused due to the pain, so she used my XXXX  to fill out the form for me. I got the XXXX  right after filling out the form when I realized before leaving this office that we had been duped. Enthusiasm and answers to my question changed after the iXXXX. First I was told that the XXXX XXXX would work and right after the XXXX the coordinator and other staff members tried to sell me the more expensive XXXX XXXX XXXX necessary for this to work. Also I discovered that there was no doctor on the premise and they are not FDA approved. I did more research when I got home and found many bad reviews. And to make matters worse my pain worsened. I called the next day and continued calling to cancel when I was sure I had been scammed. They avoided all my attempts to cancel. I filed a dispute with PatientFi who manages their loans and also filed disputes with the credit bureaus. I filed my first dispute with the credit bureaus when my credit score changed, the first dispute was dropped because two payments were made to PatientFI. I did not make those payments. When the third payment became due, my credit score was lower again due to a late payment. Therefore, I filed another dispute which I did not win according to XXXX XXXX and XXXX. Medical professionals informed me that the treatments would do nothing for me. This therapy is not appropriate for the XXXX especially since I had no XXXX XXXX. I am still disputing the loan while recovering from my XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 writing to formally report fraudulent accounts have been established and reported under my name without my knowledge or consent. These accounts are negatively impacting my credit report and severely limiting my financial stability and future opportunities.

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I hereby request that the fraudulent accounts be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request. These accounts do not belong to me and were created or accessed without my authorization, constituting a clear violation of my rights under the Fair Credit Reporting Act.

Additionally, under Section 502 of the Gramm-Leach-Bliley Act ( GLBA ), which requires institutions to protect the privacy and confidentiality of consumer financial information, I urge your office to take immediate action to prevent further unauthorized use or disclosure of my personal and financial information. The presence of these fraudulent accounts reflects a serious breach of this federal protection.

I am currently going through an extremely difficult financial situation. I am unemployed, and I am the sole provider for my two-year-old child. These fraudulent accounts are destroying my credit and are making it impossible for me to access housing, employment, or credit opportunities that are critical for rebuilding my life and providing a stable future for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
XXXXm filing a complaint against XXXX XXXX XXXX because they are reporting a collection account ( original creditor listed as XXXX XXXX, account ending in XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. 

After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15 U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name.

This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account ; Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it.

If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance with the FCRA. Their refusal to follow federal law should not be ignored.

Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
DOE  has caused unreasonable delays in forgiving my loan. I have now made over 120 qualifying payments.

I originally sought forgiveness in XX/XX/XXXX. However, due to the injunction tied with XXXX 's XXXX program, two of what would have been a qualifying payment ( a force-placed forbearance I was put on due to XXXX 's XXXX change ) did not qualify. As such, I applied for the buyback program on XX/XX/XXXX, so that I could buy back those missing months and qualify for forgiveness. I was told 45 business days for the review to be completed. See reconsideration request # XXXX with DOE. Today is the XXXX business day, yet nothing from DOE on the buyback request. When I call them, they can not give me answers. They simply say because it is past the 45 business days, they can not offer an updated timeframe. 

While waiting for my buyback request to be approved, I continued making payments. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I then submitted a new employer certification on XX/XX/XXXX. When that was approved, my loan payments were updated- well, sort of. Some loans ( # XXXX, XXXX, XXXX, and XXXX ) show payments through XX/XX/XXXX ( for a total of XXXX qualifying payments ), while other loans ( # XXXX and XXXX ) show payments through XX/XX/XXXX ( for a total of XXXX qualifying payments ). It does not make sense why they would reflect differently when I made one payment for all my loans. Again, DOE can not provide an answer to this. 

I have since made a payment XX/XX/XXXX. I submitted my last employer certification on XX/XX/XXXX which shows employment through XX/XX/XXXX. This was approved by DOE - yet NONE of my qualifying payments were updated after it was approved. It still reflects XXXX XXXX, XXXX, XXXX, and XXXX with payments through XX/XX/XXXX ( for a total of XXXX qualifying payments ), and Loans XXXX and XXXX with payments through XX/XX/XXXX ( for a total of 118 qualifying payments. 

All DOE can say when I call is that they are 30-60 days ( although the lady subsequently changed her statement to 30-90 days in the same call ) behind the servicer when updating qualifying payments. Well this just can not be true - because then loans XXXX and XXXX would at minimum show my XXXX payment. They also lied about how long the buyback program would be - so how can I trust that my qualifying payments would be updated? 

Trying to get ahold of my servicer, XXXX, is an impossible task. Their phone system takes, on a good day, 15-20 minutes to reach anybody, and they too can never provide updated answers.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company : JPMorgan Chase Bank Product : Credit Card Issue : Fraudulent transaction dispute mishandled Amount : {$3000.00} credit card number:XXXX Complaint : In XX/XX/year>, I traveled to XXXX, XXXX, and XXXX on a cruise. During a guided tour in XXXX, I made a small purchase ( ~ {$25.00} ) using my Chase credit card at a shop the guide took us to. Later, my card was lost, and I discovered a fraudulent charge of {$3000.00} at XXXX XXXXXXXX XXXXa merchant I do not know and never authorized any large purchase from. 

I reported this as fraud to Chase. I specifically asked Chase to obtain receipts or video evidence from the merchant to prove that I had made such a purchase. Chase refused, claiming that since I admitted to using my card once that day, I am responsible for the large charge. No evidence was provided that I authorized this transaction. 

I believe Chase failed to conduct proper due diligence and wrongfully denied my fraud claim. I request regulatory assistance in having Chase fairly investigate the transaction and reverse this charge unless the merchant can provide proof of a legitimate transaction. 

Requested resolution : A proper investigation ( obtain receipts, video evidence, or signed documentation ). 

Reversal of the {$3000.00} charge unless such evidence is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
wrong information about my name and address provided

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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to withdraw XXXX pesos from a XXXXXXXX XXXX at XXXX XXXX XXXX on XX/XX/year>. After the ATM showed a fee confirmation screen, I declined and canceled the transaction. No cash was dispensed, but Bank of America still charged me. I request this charge be reversed.

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I applied for a loss mitigation as I've been unemployed since XX/XX/XXXX and the funds provided by XXXX had expired. In my application I submitted a financial hardship letter specifying that I am not able to apply for a loan modification as I do not have any financial means to committed to a month payment and that instead would like to enter into a 12-month deferment due to an ongoing financial hardship. This would allow me dome additional time to find a job and to resolve some of my financial debts once ai begin to work before my first reinstatement payment. 

On XX/XX/XXXX, I received a Loan Modification approval Agreement letter were they are requesting first trial payment to begin on XX/XX/XXXX. 

I contacted them on Monday, XX/XX/XXXX as I am unsure why a loan modification was offered, given that my financial hardship status and inability to make payments were disclosed at the outset. I was told thatXXXX XXXX does not negotiate modifications and they refused to further aside. Instead asked that I resubit a loss mitigation application. 

XXXX XXXX has a bad history with their customers as they provide balloon loan modification and do not want to comply with the regulations within the mortgage industry. They are now attempting to increase again my mortgage by almost $ XXXX more and are trying to force me to agree with a loan modification that I never requested due to my financial hardship which will force me into foreclosure. 

I need someone to assist as I am only looking into staying in my home as I've paid for 20 years and I am not ready to lose it because of this temporary financial setback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent a letter to Equifax Legal Department after I didn't receive a response to my initial letter dated XX/XX/year> that would have gone to the disputes department. In that letter I was challenging Equifax 's compliance and handling of reporting of information on consumer reports as well as disputing a late payment listed by XXXX XXXX XXXX XXXX XXXX due to such fact above. At this time I have yet to hear from Equifax 's Legal Department in connection with the issues listed above. I am demanding that Equifax 's Legal and or Compliance responds to my concerns, as they have failed to send back results of an investigation from letter dated XX/XX/year> which is clearly a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX : XX/XX/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 2025-06-16 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:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/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 2025-06-16 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've recently received a copy og my credit report anf noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-16 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-16 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: IN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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