vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX - Contacted the Best Buy to report two fraudulent charges on my account XX/XX/XXXX - Followed up with Best buy regarding the fraudulent charges that they had not made reference to the fraudulent activity on my account, to include whoever fraudulently used my card changed the physical address from VA to FL. Best Buy Closed my account XXXX I am unable to access my secure email account features to send a dispute letter to the creditor XX/XX/XXXX - I am still being charged fees or interest during an active dispute. 
Confirmed Fraudulent Charges After XX/XX/XXXX Purchases : {$660.00} Fees : {$58.00} Interest : {$19.00} Total Fraudulent Charges : {$730.00} Overpayment Detected From the promotional balance detail : Original Transaction : {$340.00} Payments & Credits Applied : {$190.00} Remaining Promotional Balance : {$140.00} Current Balance : {$170.00} You have overpaid by {$29.00}, calculated as : {$190.00} ( payments ) - ( {$340.00} - {$140.00} ) = {$29.00} excess payment This amount should be refunded to you immediately. 

Ongoing Interest & Fees Despite disputing the charges : You're still being assessed interest charges and late fees, which should be paused while the dispute is pending or refunded if already paid. 
The deferred interest shown ( {$8.00} ) for a fraudulent purchase should also be canceled entirely. 

Recommended Action Would you like me to draft a formal dispute letter that you can send to : Best Buy Credit Services XXXX Citibank ( for account resolution ) Request : full charge-off of fraudulent balance, refund of overpayment, and cessation of all fees/interest

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 monetary relief
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PlusFour, Inc
State: AZ

Complaint narrative:
I have a medical debt in collections on my credit reports. My understanding was that the new law was to go into effect on XXXX XXXX and that all medical debt would be removed from credit reports regardless of the amoun. I've been turned down for an auto loan because of that collection on top of the 30+ inquiries from car dealerships I had no idea were hard credit pulls I thought they were soft pulls. The medical debt From a hospital stay in XXXX for over {$1900.00} for x-rays from XXXX XXXX  and the collection agency is XXXX. I called XXXX XXXX in numerous occasions and gave them my insurance info and they never billed them I had dual coverage at the time so had they billed it would have been paid in full. Once they sent me to collections I disputed again and just recently I've disputed it 4 times with no luck. Shouldn't it just be removed regardless now with this new law taking effect on XXXX XXXX. Please help it's really effecting my ability to get auto financing and I'm in a wheelchair and so is my wife. We're both XXXX and now have no transportation. Please help.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
Account was converted to another creditor with the same product name but different network as this originally was the Best Western rewards XXXX from FNBO and is now a XXXX XXXX XXXX XXXX with XXXX XXXX. My credit report reflects account closed from FNBO when it is open with XXXX since account was only transferred and converted

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 2025-04-07 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I feel that my federally protected consumer rights to privacy and confidentiality, as outlined in 15 U.S.C. 1681, have been blatantly violated by the accounts and inquiries listed below. This isnt just a technical issue for meits personal. It undermines the trust I have that my private information is safe and respected. 
From my perspective, these are the ways my rights have been trampled : * 15 U.S.C. 1681, Section 602 ( A ) : The law guarantees me the right to privacy, something I hold dear. Seeing these inquiries pop up on my report without my permission makes me feel exposed and unprotected. 

* 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) : This section says no one should be able to pull my credit information without my written consent. I never gave anyone permission for these inquiries, and it frustrates me to see them there like I dont have a say in my own life. 

* 15 U.S.C. 1681c ( a ) ( 5 ) : The law states that negative information older than XXXX yearsexcept criminal convictionsshouldnt be on my report. If these inquiries are that old, I dont understand why theyre still haunting my credit history. 

* 15 U.S.C. 1681s-2 ( A ) ( a ) : No one should be allowed to report something about me if they know its wrong. These inquiries dont reflect my actions or choicesthey dont belong to me, and they shouldnt be tarnishing my name. 
Because of all this, I demand the immediate removal of the following inquiries from my credit report. I dont recognize them, and I never approved them : 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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and potentially fraudulent information listed on my credit report. The entry from XXXX XXXX XXXX, with account number XXXX, is reported as a charged-off auto loan account with a balance of {$21000.00}. I have no knowledge of this account, and I believe it XXXX be in error or the result of identity theft. 

Per the Fair Credit Reporting Act ( FCRA ), I am requesting that you reinvestigate this item and provide documentation verifying the accuracy and ownership of this account. If XXXX XXXX XXXX can not provide verifiable documentation that I opened and am responsible for this debt, it must be removed from my credit file. 

Attached are a copy of my government-issued ID and any supporting documentation I have. Please provide the results of your investigation in writing within the legally required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: DE

Complaint narrative:
Planet Home Lending , LLC XXXX XXXX XXXX, XXXX XXXX, XXXX, CT, XXXX Subject : Unauthorized Transfer of Mortgage and Violation of Privacy Rights To Whom It May Concern, I am writing to formally object to the unauthorized transfer of my mortgage and the dissemination of my non-public personal information ( NPI ) without my consent. I have never given permission for my mortgage, financial details, or personal information to be shared, transferred, or assigned to another lender or servicer. 

Under the XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, financial institutions are required to protect consumers non-public personal information ( NPI ) and must provide notice before sharing such information with third parties. Additionally, Regulation P ( XXXX C.F.R. XXXX ) mandates that financial institutions obtain consumer consent before disclosing private information to non-affiliated third parties. Your actions have directly violated my right to privacy under these laws. 

As a result of your unauthorized disclosure, I have received unsolicited calls and inquiries regarding my personal well-being and financial situation. This is an unacceptable breach of my privacy and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to file a complaint regarding my recent experiences with credit card applications. I have consistently made all of my payments on time, and my credit score is XXXX. Despite this, I have been denied approval for several credit cards that I applied for. 

Below are the details of my issue : Credit Score : XXXX Payment History : I have always made payments on time, and I have ensured that my credit utilization remains within acceptable limits. 

Date of Applications : I applied for new credit cards on several times. 

Outcome : On each occasion, I was denied approval, despite my positive credit history and responsible management of my accounts. 

I have reviewed my credit reports to ensure there are no errors, and everything appears in order. Given my credit score and track record of making timely payments, I find these denials to be unjustified. 

I would like to request an explanation for these denials and to have the companies involved reevaluate my application based on my creditworthiness. 

I would appreciate your assistance in resolving this matter and am hopeful that my experience will be shared on consumerfinance.gov for others to learn from. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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.

Complaint narrative:
I am disputing the accuracy of the information reported on my credit profile. I have attached a letter on this complaint including the accounts, inquiries and personal information that needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION IS REPORTIN A CONSUL WITH MY PERSONAL INFORMATION IAM DONT RECONIZE THA CHECK IN REPOR.

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 2025-04-07 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 did not open accounts please remove asap under setion 605b

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i did not open accounts please remove asap under setion 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ben Franklin Finance LLC
State: MO

Complaint narrative:
Predatory Enrollment & Hidden Financing by XXXX and Ben Franklin Finance -- - My name is XXXX XXXX. On XX/XX/year>, I enrolled in an online program with XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) in an effort to pursue a better future for myself and my children. As a single mother trying to improve my life through education, I was vulnerable to what I now realize was a misleading and predatory enrollment process. 

I was led to believe I was financing the program directly with XXXX. At no point did I knowingly agree to finance my education through a separate company. Ben Franklin Finance LLC was never clearly introduced, and no consent form explicitly approving them as my lender was presented to me before signing. 

Only after signing did I discover an Income Withholding Authorization linked to Ben Franklin Finance buried within the paperwork. It was never highlighted or explained it simply appeared after the fact. This is not informed consent. 

Furthermore, both XXXX and Ben Franklin Finance share the exact same address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX This strongly suggests that they are operated by the same people yet they present themselves as independent. This tactic deceives consumers into thinking they are working with a school and an outside finance company, when in fact they are likely one and the same.

The loan is for {$11000.00} at 17.99 % interest, totaling almost {$18000.00} for unaccredited online course materials. I never agreed to be indebted to Ben Franklin Finance, nor was this information disclosed transparently. There are numerous complaints online from others whove had similar experiences, many of them students and healthcare professionals. 

This kind of operation is unethical and predatory targeting people trying to improve their lives through education while hiding the true cost and conditions of financing. 

I am requesting the following : A full investigation into the relationship between XXXX and Ben Franklin Finance Release from this financial obligation due to misrepresentation and lack of clear consent Confirmation that this will not impact my credit report This experience has created unnecessary stress and financial hardship at a time when I am trying to build a better life for myself and my children. I am standing up now so no one else is taken advantage of the same way. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I filed a complaint with XXXX ( complain number XXXX ) on XX/XX/XXXX in regards to Identity Theft that occurred at Goldman Sachs using my Confidential and Personal Information via their online account opening services. Goldman Sachs responded to this complaint on XXXX XXXX stating that the Investigative Report and/ or Closure Report was sent on XX/XX/XXXX, however, these documents were never received. I have attempted to retrieve the reports since XX/XX/year> and have been unsuccessful. The complaint filed on XX/XX/XXXX was closed immediately after Goldman Sachs responded on XX/XX/XXXX and they failed to send the documents that they indicated they would. I am now concerned that Identity Theft is not being prioritized and my request is being disregarded. I am requesting that this complaint remains open for the full 60 days and/or until Goldman Sachs take action on what most banks would consider an important matter, Thank you, Respectfully!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
This company is excessively calling. This same complains has already been filed. Since XX/XX/year> until today XX/XX/year> there has been XXXX calls made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
At this point, XXXX XXXX XXXX XXXX XXXX  provided an Auto Recovery police report after months of providing sufficient information as the primary purchaser/owner of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The vehicle had been embezzled in an intentional insurance fraud scam and unlawful title transfer to several suspects including XXXX XXXX ( XXXX ) and other suspects unrelated me involved in the the vehicle theft after providing the police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX are primary suspectXXXX XXXX exclaimed excuses for stealing the vehicle that were personal and illogical for such serious incident. XXXX XXXX intentional and unlawfully and illegally stole the vehicle and ignored, undermined and as well as insubordination of the Detective commands to release to vehicle to me, XXXX XXXX the rightful owner. The XXXX  asserted discriminatory threats and stole the vehicle at the point of the XXXX  holding the XXXX XXXX XXXX XXXX Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CT

Complaint narrative:
I need to remove fraudulent hard inquiries from my credit. I never authorized this inquiry can you please remove it from my report.

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 2025-04-07 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have an account that was opened by credit acceptance car loan is supposed to closed

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