vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
My account was recently hacked and the bank was able to resolve the fraudulent charges at around {$200.00}. The bank then secured my account and sent out a new card. That new card was never received this card. There was then an in person withdrawal at a local branch to the amount of {$800.00}. Following, and {$1100.00} withdrawals in increments from $ XXXX {$300.00} at multiple local ATMs. Additionally XXXX charges through XXXX each amounting to the cost of creating a new account, XXXX charges for creating a phone plan through XXXX, and an {$270.00} dollar charge from XXXX XXXX. In total the total loss was {$2600.00} in in person, ATM, and online charges. Additional concern with the attempts to access credit information. After XXXX months of waiting with no response or explanation First National Bank of Omaha just notified me that none of these fraudulent charges will be covered/refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: IN

Complaint narrative:
Re : Dispute of Debt Allegedly Owed to Americollect Dear Sir or Madam, I am writing to formally dispute a debt that is being reported by Americollect. I have received notice from them stating that I owe a debt, however, I do not believe that I am responsible for the alleged debt, nor do I have any documentation or records supporting this claim. 

Here are the details of the debt in question : Collection Agency Name : Americollect Account Number ( if available ) : Unknown Amount Allegedly Owed : {$840.00} Date of Debt : XX/XX/year> Original Creditor ( if applicable ) : Unknown I have attempted to resolve this matter with Americollect, but to date, I have not received sufficient evidence or documentation to substantiate this debt. I have also not received any communication from the original creditor regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
Hi a while back I realized I wanted to use Cash app and instantly hit a brick wall because I know there are so many people who discriminate against me with my finances and tried to criminally get in touch or even work in Cash app or with them and decided to do a criminal stunt against me getting my money which made me give up Cash app adventures which I have come to see is a devastating blow to my life financially and emotionally even mentally as it is what I'm sure I remember In a night club once I became aware of Cash app and wanted to do things to get money and I instantly hit bad luck and unfairly had fraudsters all around me who bullied me and stole my money from cash app when I wrote to you and told you on cash app help/support that I invented money and internet and I wanted a paycheck to make it fair that you have so much of my product and I for now don't have any money because Cash app has a bit of a naughty reputation considering the lifestyle and way of the world, really I'm sure of what exactly happened but I know it was criminal and fraud artists at play with me socially in an environment I can not avoid with big criminals involved in it that were even confessing to me that I will have considerable trouble with achieving finances without a full confidence in my Cash app flow and the individuals were named XXXX XXXX and her sister XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX many others. I still haven't got the money from a check I had sent to cash app also that was the only one. I really am the real inventor of money and internet and I haven't been paid yet I really hope you would help me please compensate. Thanx

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 submitting this complaint to the consumer financial protection bureau regarding, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting ACT 605B ( 15 U.S.C 1681 C-2 ), I request the removal of fraudulent information from my credit report that has resulted from my identity theft and fraud. Experian is legally required to complete this action within XXXX business days of receiving this complaint. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$5700.00} XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$470.00} These accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounted, inquiries, and collections are the result of identity theft and fraud. The negligence of Experian in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of these steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: FC HoldCo LLC
State: GA

Complaint narrative:
Unknown inquiries. 
Personal information compromised during XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: LA

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Equifax, Experian and Transunion consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian and Transunion, actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure com Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation. Transunion shows an Account in collections/charged off at the same time with an open balance with no account number present. Experian shows the same as a charge off account was closed in XX/XX/XXXX I never received a 1099-c from this company they kept charging off 5 years later Experian verified acct which still shows from XXXX Charge offs to XX/XX/XXXX as accurate!!! According to FCRA i have the right to an accurate credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Equifax, Experian and Transunion consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian and Transunion, actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure com Equifax, Experian and Transunion complies with federal law and provides consumers with the necessary proof of investigation. Transunion shows an Account in collections/charged off at the same time with an open balance with no account number present. Experian shows the same as a charge off account was closed in XX/XX/XXXX I never received a 1099-c from this company they kept charging off 5 years later Experian verified acct which still shows from XXXX Charge offs to XX/XX/XXXX as accurate!!! According to FCRA i have the right to an accurate credit 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is repeated incident delaying in processing my mortgage payment in XXXX, XXXX, XXXX and XXXX. Previously I filed complaint with CFPB and Regions refunded the late fee and reverted their reporting from credit bureau as late payment in XXXX last year. I sent XXXX payment via certified mail ( XXXX tracking # XXXX on XX/XX/year> ). As per XXXX tracking system ; Regions picked/delivered my payment envelope on XX/XX/year> at XXXX AM ). I called Regions on XX/XX/year> and XXXX told me they did not receive my XXXX payment. On XX/XX/year> ; I checked my payment status online and surprisingly processed my payment on XX/XX/year> ( a day backdated ) ; though they received/picked up my payment envelope on XX/XX/year> and held it until XX/XX/year>? All Regions team members from top to bottom kept on telling me ; Regions process the loan payments the day ; they receive? To me they misled/misinformed me by giving me wrong information. On XX/XX/year> ; I left message for XXXX XXXX XXXX, Loan Servicing Escalation Specialist and he never called me with an explanation for delaying in processing my mortgage payment again?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Information compromised during Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
To whom this may concern, My name is XXXX XXXX XXXX .Those accounts attached to this letter does not belong to me. For I have been XXXX  from XXXX I could not have possibly open those accounts. Please remove them. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Aidvantage is the servicer for XXXX of my student loans. The accounts were granted forbearance that started XXXX and ends on XX/XX/XXXX. However, Aidvantage reported to all credit bureaus that my account was 120 days past due as of XX/XX/XXXX because the official forbearance wasn't approved until after XXXX of XXXX. I have contended that since the forbearance was approved with a start date of XX/XX/XXXX and an end date of XX/XX/XXXX and Aidvantaged acknowledged these dates, in writing, then there would have been no payments due ultimately meaning no payments would have been late at during this period.

I have requested that Aidvangtage update my acco
unt so that this detrimental information can be removed and my credit score restored to XXXX. Aidvantage has refused to update the credit bureau with the most accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: SC

Complaint narrative:
Last year I finished paying off a XXXX XXXX  XXXX. It has been paid in full and XXXX. Equifax has the paid-in-full bankruptcy listed as a new XXXX  and has all the paid-out creditors listed as delinquent accounts. My scores with Experian and Transunion have decreased, instead of increased as well. My credit is worse than ever since I paid the XXXX  in full. I do not have a great deal of debt. The score should have gone up but it went down. Please assist me with this awful misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
XXXX XXXX Acct # XXXX SSN XXXX Address- XXXX XXXX XXXX XXXXXXXX XXXX XXXX I called multiple times and never received a call back from the lawyer that One Main provided me to speak to on their behalf. She only emailed me explaining to me that I would need to speak to One Main on the add-ons that I paid for on this loan, which were never applied. after I opened up a claim due to a vehicle accident, I was involved in XXXX XXXX position where I lost my job due to the severity of the accident, as well as placing me on Long Term XXXX. One Main directed me to speak to the lawyer as a lawyer directed me to speak to One Main, giving me the runaround. I have multiple recorded messages on the phone speaking to One Main representatives on this matter as well as emails I sent asking their lawyer why wasnt any of these add-ons applied to my loan after I file a claim. My vehicle was repossessed on XX/XX/year>. I immediately called One Main after speaking to law-enforcement who had no information other than my vehicle being repossessed on the XX/XX/year>, which was on a Friday. I let the One Main representative. I spoke to know that I had medical devices That were on that vehicle that I needed to pick up immediately and that were vitally important due to an upcoming XXXX I had scheduled on XX/XX/XXXX on a Monday. On multiple recorded messages that I have One Main representatives continually gave me numbers to the repossessor of my vehicle which denied having my vehicle in XXXX. One of One Mains representatives on a recorded message stated that my vehicle XXXX days after it was picked up was taken on XX/XX/year> to the auction. The medical devices as well as medication and personal property as well as tools and equipment I had on the truck came up missing or stolen with everyone pointing fingers and not taking accountability for my items coming up missing my medical devices are worth {$6000.00} alone. 
A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Percocets The rest was power, tools, and brand new Towing straps as well as other personal items and hitch receiver that was custom made for my wheelchair XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app closed my account for no reason at all I requested my information from then for the past couple years they want send it and they always say some one will call and never do at all I was getting mo ey took off my account and randomly one day I dlcouldnt use it anymore

Company response to consumer: Closed with explanation