vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I filed a complaint for fradulent attempts to collect on a debt by the legal firm Shermeta Law Group , PLLC. by refusing to validate the debt. Complaint ID, XXXX. On XX/XX/XXXX, Shermeta Law Group did respond to my complaint and additionally mailed me all the documents. However, the fraudulent attempt to collect on a debt not owed is relevant because in the Bill of Sale it says that on XX/XX/XXXX, the alleged debt was transferred to XXXX XXXX, XXXX. Shermeta Law Group , PLLC is an attorney office and well versed in the law, they well know that XXXX XXXX XXXXXXXX is not their client XXXX. There is no chain of custody shown to establish any debt owed to XXXX. This constitutes fraud for misleading and deceptive practices in violation of 15 USC, CFPB Rules, FTCA Section 5, and other Federal Rules governing this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I started my Wells Fargo account including Checking, savings and XXXX XXXX. By XXXX I realized my account has been compromised. I notified the bank immediately that the know hacker that stealing from Wells Fargo and my account was one of them. 

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 explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the continued reporting and collection efforts by XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX account I did not open. This is a case of identity theft, and the documents XXXX provided are insufficient to prove otherwise. 

The only documentation XXXX provided was : A statement dated XXXX XXXX XXXX XXXX, showing no payments and several late fees The account already being eligible for charge-off before XX/XX/2020 XXXX claims to have acquired the account on XX/XX/2020, but fails to provide any of the following : The original date the account was opened The date of first delinquency Payment history Signed application or proof of my consent This is a textbook identity theft case, and XXXX is attempting to restart the reporting timeline using the date they acquired the debt, not the actual date of default. This violates : FCRA Section 605 ( c ) regarding date of first delinquency FDCPA, due to failure to validate the debt with proper documentation I have never received or used this account and dispute its validity entirely. The billing address on the statement does not match my known addresses at the time.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complain to address an ongoing issue regarding fraudulent accounts on my credit report that were reported without my permission. Despite numerous previous complaints, these accounts remain unresolved. I am now requesting that ransunion and Equifax take immediate action to remove all fraudulent and inaccurate accounts from my credit report, as required by law. Below is a list of the fraudulent accounts that need to be removed. 
XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXXDate Filed/Reported XXXXXX/XX/year>

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian says that my credit score with them is XXXX and also on Experian website and app it says that my scores with XXXX XXXX XXXX and XXXX XXXX XXXX... which is false, my scores with XXXX is according to XXXX XXXX and my score with XXXX according to XXXX XXXX XXXX... Experian has damaged my scoring and approval rating for credit cards I have applied for by presenting this fraudulent information which in turn blocked me from accessing my unlimited credit .... In accordance with 15 USC 1681e ( b ), Experian is not showing maximum possible accuracy, and has cost me to be blocked from receiving a portion of my unlimited credit .... During Experian 's data security breach my information was exposed and my credit score is not correct my score with Experian should be XXXX. Experian and its fraudulent practices toward myself and people of color is deplorable... I would like my credit scores updated to 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 2025-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am writing to formally lodge a complaint about a grave error made by Chase Bank that has caused me substantial financial distress. 

On XX/XX/XXXX, I opened a Certificate of Deposit ( CD ) account at Chase Bank with a two-month term that automatically renews. I deposited a check for {$37000.00} into the account. On Monday, XX/XX/XXXX, I visited the bank to withdraw my funds. To my astonishment, I was informed that my account had been closed within three days of opening due to insufficient funds.

After spending two hours at the bank attempting to rectify the situation, I returned home and obtained the bank receipt and a copy of the check. I was then informed that my money had been mistakenly deposited into another persons account. This individual subsequently withdrew the funds and closed their account. 

This egregious banking error has left me deeply frustrated with the inadequate response I have received thus far. I was advised that I would have to wait a week for the issue to be resolved, but it has been eight days, and my money remains unavailable. I have urgently informed the bank that these funds are essential for finalizing the purchase of a home, and any delay in resolving this matter could result in the cancellation of my offer, causing severe financial and personal consequences.

Thank you, Transaction Date ( s ) & Amount ( s ) XX/XX/XXXX. Amount : : {$37000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXXXXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened 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 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/year> a judge entered a wage garnishment of XXXX percent to be deducted weekly for a suit that was filed for a debt owed for a credit card. The garnishment just started on XX/XX/year> and it was at XXXX percent which goes against the court order I have all the documents as they are public access via ecourts. So I should've been garnished like {$60.00} last week and {$55.00} this week. That's XXXX percent. Instead it was {$220.00} last week and {$200.00} this week. This is a XXXX percent deduction which again goes against court ordered wage execution which clearly states that XXXX percent will create a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
I was suddenly locked out of online banking with no notification. After several unsuccessful login attempts, I called the bank, which is how I learned that my account was restricted and thus locked out of online banking. I was told Id receive some notification via email of what was going on and that the process could take 7-10 days, with no explanation as to why my account was suddenly restricted. I now dont have access to any of my money in the account or the ability to manage credit card payments that withdraw from the account. It is unacceptable that my account was restricted and no reason given, without any notification until I proactively called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied for the Chase XXXX XXXX credit card on XX/XX/XXXXXXXX XXXX using a friend referral link. I believed I was signing up for the XXXX welcome bonus that was widely advertised by XXXX and Chase around that time. At no point during the application process did I see language clearly explaining that the offer was for 4 free night certificates instead of points. 

Chase is now claiming that the referral offer I signed up for was for 4 free nights, not the XXXX points. However, they have refused to provide any written documentation or confirmation of the offer terms I was enrolled undereven after I made requests via secure message and a written escalation to the Executive Office. In response, they said, there is no letter that can be sent regarding the offer details. I believe this is unacceptable and violates basic consumer transparency expectations. 

Additionally, my friend who referred me did not see any clear language in the referral tool about what bonus I ( the applicant ) would receive. It appears that the referral marketing prioritized disclosing the referrers bonus and failed to clearly disclose the offer for the applicant. This led to a mistaken belief that I would receive the same XXXX welcome bonus that had been widely promoted to the public at that time. 

This is misleading and unfair for the following reasons : I was never given a clear, written disclosure about the offer I was accepting at time of application. 

Chase refuses to share any offer documentation post-application, even when requested. 

There was a lack of clarity in the referral link, which created confusion for both the referrer and applicant. 

My four free night certificates are now set to expire in XX/XX/XXXX, and neither Chase nor XXXX will extend them or offer points in exchange. 

Despite escalating to Chases Executive Office and filing a XXXX complaint, the bank has dismissed my concerns without resolution. I believe this experience represents a broader issue of inadequate transparency in referral-based promotions and violates the spirit of fair and informed financial decision-making.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
On XX/XX/year>, my brokerage account at Robinhood was compromised and unauthorized crypto transactions totaling {$4900.00} were executed and sent to an external wallet without my knowledge or consent. I am deeply disappointed in Robinhoods handling of the matter. I entrusted Robinhood with my investments in both stocks and cryptocurrency, and I expected the same level of security and fraud protection provided by other major financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$840.00} XXXX  XXXX BALANCED {$150.00} XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections 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 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 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 2025-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Time since account opening. XXXX of XXXX till XXXX of XXXX. Description of balance transfer or XXXX percent apr.on credit statement. Statement only shows balance and subjected to interest balance. Does not specify end date of promotional balance.I was misled by unclear promotional terms provided by my credit card issuer. The expiration date of a promotional interest offer was not clearly stated on my billing statement, particularly in a way that would allow me to understand when I needed to pay off the balance in full to avoid interest charges. As a result, I was charged a high amount of interest on the remaining balance, which I could have paid in full if the promotional expiration had been more clearly disclosed. I believe this lack of transparency constitutes a deceptive practice and violates fair lending and disclosure standards.

Company response to consumer: Closed with explanation