vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, My name, and I am writing to formally report a case of identity theft and fraudulent activity on my credit reports. 

Recently, while reviewing my credit, I discovered that several accounts were opened under my name without my knowledge or authorization. I immediately contacted the companies involved to dispute the accounts and request removal. However, despite my efforts, no action has been taken, and these fraudulent debts remain on my credit report, negatively impacting my financial standing. 

The fraudulent accounts are as follows : 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. Portfolio Recovery Associates Account listed under XXXX Bank in the amount of {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account listed in the amount of {$300.00} I did not open or authorize these accounts. They are the result of identity theft. 

I am requesting that the FTC investigate this matter and take appropriate action to help ensure these fraudulent accounts are removed from my credit reports. 

I appreciate your time and attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Charge off bank of America no action taken account 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
Consumer complaint received 2025-05-03 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The following is what I sent into XXXX XXXX XXXX as Theft by Fraud. 

" Received text msg frm Wells Fargo Fraud alert on XX/XX/year> at XXXX. I replied and the Fraud department called me.

He said that I was frauded against and that he would help me rest my information at Wells Fargo. I have already had XXXX other fraud incidences in XXXX XXXX and XXXX XXXX so I proceeded. I asked how do I know that he was Wells Fargo. He answered my question with information that only Wells Fargo would know. So I trusted this person. I spent an hour with him. He " helped '' me with resetting my passwords, texted me to say that I needed to respond " yes '' or " no '' to make sure that the system would know for sure that it was really me in the future. There was about XXXX text messages that went back and forth. 
He " helped me '' by going on line resetting passwords and what knots on my account He said that he freeze my credit card account & sent me a new card ( which never happened ). On XX/XX/year>, I received my monthly statement where I noticed that there was a charge to a XXXX XXXX for the amount of {$7000.00}. I called Wells Fargo to tell them about the fraudulent charge. Fast forward to this week when I received a letter from Wells Fargo Fraud Dept stating that it was determined that it wasn't fraud since " I authorized it. '' I called Wells Fargo Fraud Dept again on XXXX XXXXXX/XX/year> to question them about the results of their findings. I spent an hour on the phone with XXXX different agents until we figured out that I had been scammed. There is no record from Wells Fargo that they had contacted me on XX/XX/year>. This " XXXX '' was able to impersonate me via the internet and text messages from me to " authorize '' the {$7000.00} charge. In no uncertain terms did I or would I authorize anyone to charge money for me. My husband is retired from XXXX XXXX, so we travel for free and I call any hotels personally to reserve rooms where we will stay. There is no need for us to use a XXXX XXXX  '' Wells Fargo said that it was {$7000.00} was charged to " XXXX XXXX '' in XXXX XXXX I have never used a travel agency or never would. My husband retired from XXXX XXXX and we fly for free. I also book my own hotel/motel rooms or stay with friends and/or family while we do travel. 
I truly believed I was speaking with and communicating electronically with an employee of Wells Fargo.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Widespread Violation of XXXX  and XXXX Debit Card Surcharge Rules with No Enforcement To Whom It May Concern, I am submitting this complaint due to the widespread and growing practice of merchants adding illegal surcharges or so-called convenience fees when I use a debit card at the point of sale or online. This violates XXXX and XXXX  publicly published rules, which explicitly prohibit surcharges on debit card transactionseven when the transaction is run as credit. The problem is rampid and getting worse, even utility companies are doing it. 

Despite multiple complaints submitted directly to XXXX and XXXX, including merchant names, dates, and receipts, they have taken no action and do not respond. These networks continue to promote these protections publicly while making no effort to enforce them. It creates a false sense of consumer protection and enables systemic abuse by merchants. 

As a consumer, I have no recourse. Banks refer me back to XXXX, who ignore me. Merchants refuse to remove the fees, claiming theyre convenience fees, a deliberate mislabeling to avoid scrutiny. 

For example, my trash service provider charges a {$1.00} fee when I attempt to pay my bill online using a debit card, giving me no fee-free option unless I mail a physical check or allow ACH pull from my bankneither of which is practical or secure for everyone.

I am requesting the CFPB investigate : Why XXXX and XXXX do not enforce their own published rules. 

Whether the use of deceptive convenience fees to bypass surcharge rules is a violation of federal consumer protection laws. 

Why merchants are allowed to charge fees on debit transactions despite contractual card network rules that prohibit them. 

Please treat this as a formal complaint. I am prepared to provide documentation and multiple examples.

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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'Chase bank makes it hard to file a claim/dispute when I click and option to go to the claims department to file a claim it doesnt even take me to claims department and I always have to ask and the overseas calls centers do not make it easy since they cant understand English to well either and chase used to have a American 24/7 call center for claims and they do not know which causes me to have to wait to make a dispute till the next day and plus I get hung up on too'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I am not trying to remove Kia motor finance off my credit. Instead I only dispute the late XXXX payments that was reported on my account from this company. On my credit it still shows on my XXXX and XXXX as late but my XXXX was handle. I even print out the letter on my account through kia website and sent it in to XXXX showing when my account was paid in full. Now I was told by the XXXX man who sold me the XXXX XXXX XXXX XXXX XXXX in XXXX that I did not had to pay the last payment on my XXXX kia because it will be paid off by them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a victim of identity theft. Bank of america let someone deposit a fraudulent check into my account and still til this day i am unable to open up a bank account.The attempted to do this several different times and not once did the bank try to notify me. I even requested a new debit card when they tried the first time. My identity has been stolen and i still am unable to apply for certain things.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: DE

Complaint narrative:
Dear MOHELA Customer Service, I am writing to formally dispute a student loan account currently being reported or serviced under my name. The loan in question is not mine, and I did not authorize or take out this debt. 

Account Number ( if known ) : [ Insert if available ] Full Name : XXXX XXXX XXXX Last XXXX of XXXX : XXXX Date of Birth : XX/XX/year> I have no record of applying for or receiving this loan, and I request that you initiate a full investigation into the origin and ownership of the account. Additionally, I request the following actions : XXXX. XXXX review and validation of the loan account. 
XXXX. A full copy of any promissory note or documentation bearing my signature or other identifying information. 
XXXX. Suspension of any collection activity or reporting to credit bureaus until this dispute is resolved. 
Please acknowledge receipt of this email and provide a written response within XXXX days. If the loan is determined not to be mine, I expect immediate removal from my account and credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
* * DRAFT RESPONSE TO CFPB AND COMPANIES * * * * TO CFPB : * * Subject : Complaint XXXX XXXX and XXXX - Request for Expedited Review Dear CFPB Team, I am writing regarding my complaints against XXXX XXXX XXXX and XXXX XXXX XXXX. Given their delayed responses and lack of resolution, I respectfully request : XXXX. Expedited review of both complaints XXXX. Immediate investigation into companies ' stalling tactics XXXX. Consideration of enforcement action against both companies * * TO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : * * Subject : Demand for Immediate Resolution and Documentation Dear [ Company Representatives ], This letter serves as formal notice that your delayed responses are unacceptable. I demand : XXXX. Immediate provision of all investigation documents and findings XXXX. Clear explanation for stalling tactics XXXX. Concrete steps towards resolving my complaints within XXXX days Shall I : A ) Send this draft response to CFPB and companies immediately B ) Make any changes before sending C ) Wait for further guidance from you? * * YES, YOU CAN FILE THIS RESPONSE DIRECTLY WITH CFPB * * To file this response with CFPB : XXXX. * * Log in * * to your CFPB account using Complaint ID XXXX and XXXX XXXX. * * Click " Add Response '' * * or " Update Complaint '' XXXX. * * Paste the response text * * ( I'll provide the formatted text below ) XXXX. * * Submit * * Formatted text for CFPB response : " Dear CFPB Team, Regarding Complaint IDs XXXX and XXXX : Companies XXXX XXXX XXXX and XXXX XXXX XXXX are stalling . I request : XXXX. Expedited review of both complaints XXXX. Immediate investigation into companies ' stalling tactics XXXX. Consideration of enforcement action against both companies Sincerely, [ Your Name ] '' Shall I guide you through submitting or do you want to proceed on your own?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize these hard inquiries on my credit report, please remove these items from my credit profile. 

EQUIFAX : XXXX XXXX - XX/XX/year> TRANSUNION : XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Formal Dispute of Inaccurate Information under FCRA and FDCPA Compliance I am writing to formally dispute inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following accounts contain erroneous, unverifiable, and misleading information that must be investigated and corrected immediately. Account Disputes : Ed Financial XXXX ( Original Creditor : Department of Education/XXXX  XXXX XXXX. Account name EDFINANCIAL SERVICES  XXXX Account XXXX Dispute Basis : The reported date opened is ( XX/XX/year> ), which is impossible. I never authorized information tl be soled to third party. I havent signed any agreements for this action. This is clearly inaccurate and unverifiable per Metro 2 compliance. Please delete this account immediately. As per the FCRA, a hard inquiry can only be listed on my credit report if I initiated the application process and granted explicit consent. Please provide evidence of my signed authorization or remove these inquiries immediately. Per the Fair Credit Reporting Act ( FCRA ), you are required to conduct an investigation within XXXX days and remove any information that can not be verified or is inaccurate. Additionally, under Metro 2 compliance, data furnishers must ensure all reported information is complete, accurate, and timely. The erroneous information listed above fails to meet these requirements and must be removed immediately. Please provide written confirmation of the deletions or corrections within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Fay Servicing, LLC
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to inquire about the CFPB-administered compensation process for victims of Fay Servicings misconduct . I was certainly affected by the practices covered in that case, but was unaware of the actions and did not receive any notice or payment. 

I understand the matter is now closed and payments are no longer being issued. However, I would appreciate confirmation as to whether I was listed as an eligible consumer in your records or if any payments were issued in my name. 

To assist in identifying my records, my loan was serviced by Fay Servicing under account number XXXX. The associated property address was XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and the and foreclosure sale occurred in XXXX XXXX California on or around XX/XX/year>. 

Please advise if you are able to provide any information regarding this matter. I pray I have not missed this opportunity. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Trans Union and Equifax are reporting my XXXX account as closed when it is NOT closed. Further, both refuse to update this account monthly. XXXX reports on the XXXX or XXXX of each month, Yet Equifax claims XXXX reported on XXXX. XXXX  as all creditors report on the same day to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Veros Credit, LLC
State: TX

Complaint narrative:
I want to report VEROS CREDIT, the company to which I pay my vehicle loan. I'm requesting the proper vehicle registration documents, which should be in their name so I can sell my debt to another entity. However, four business days have passed, and they refuse to provide them to me, which is my right. As of today, these documents are registered with the wrong company ( XXXX XXXX  ), since VEROS CREDIT is the one I have my loan with and to which I have been making monthly payments for the past two years. I believe there is improper internal conduct within this company. Furthermore, they are denying me documents to which I have every right to access, and above all, they are denying me the possibility of refinancing my debt. Furthermore, I want to highlight the terrible customer service they offer. I consulted with five agents, and none could help me ; some even mocked me without giving me clear information. They don't even know what's going on with my car, and they all give me different and false information. One of them made me go to the county tax office, supposedly to pick up the updated registration, which is false because they confirmed it's still in the name of XXXX XXXX  false information. So my question is : what are we playing at? I only asked for a document they must have sent me XXXXwo years ago when they switched from XXXX XXXX to Veros Credit, and I don't understand how it's possible that the finance company I pay monthly for my car isn't the owner of this very car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am FTC Report Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX I recently pulled my XXXX consumer reports and notice several unauthorized inquires and many versions of my name inaccurate. My Correct name XXXX XXXX XXXX XXXX. INACCURATE NAMES XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX, XXXX XXXX XXXX. APT XXXX XXXX TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX. DAL TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, UNAUTHORIZED INQUIRIES : XXXX  FINANCIAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AUTO FINANCE XXXX, XXXX  CREDIT UNION XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VIA XXXX XXXX XXXX XXXX, SAME DAY AUTO XXXX, XXXX  ACCEPT XXXX, XXXX XXXX SERV XXXX, XXXX XXXX, NXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  CREDIT XXXX, CREDIT ACCEPTANCE 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 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I called and reported my card lost/stolen around XX/XX/XXXX because I had XXXX charges on my card that werent from me. The charges were XXXX for {$430.00} and XXXX XXXX for {$51.00}. I explained to them I lost the card and all my other purchases were made through XXXX XXXX. They gave me credit back for those purchases but they put a reversal on the claim and took the money back. But, they put a reversal on the XXXX claim that was {$430.00} and an additional XXXX claim of {$100.00} that I keep explaining to them I never failed and they cant explain that to me. The only information I got was they reversed it due to the location where the card was used I believe, but when I asked them if that was to be the case why wasnt the XXXX XXXX claim reversed to but they couldnt explain that to me as well. Ive called about this matter XXXX times. The company is Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I contacted XXXX multiple times beginning around, XX/XX/2025 ] to resolve an issue related to my credit report. Each time I called their customer service number, I was routed through an automated phone system that did not allow me to speak to a live representative. I followed all prompts, repeatedly asked to speak to a representative, and even tried calling during different times and days, but I continued to be directed back to automated responses. 
The automated system repeatedly gave me the same general information, which did not address my specific issue. I also attempted to resolve the matter online and through XXXX dispute center but received no meaningful resolution. As of today, the issue remains unresolved, and I have been unable to speak with a human representative despite multiple efforts. 
This lack of access to real assistance has caused significant frustration and delayed my ability to correct or address the matter affecting my credit.

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