vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
Latter half XX/XX/XXXX : I get a first XXXX XXXX store credit card statement for paying towards a single purchase, made without my authorization, for flooring in the amount of {$5800.00}. Particulars : 1. Purchase date XX/XX/XXXX on a XXXX XXXX store XXXX card for account ending in XXXX. 
2. Place of purchase : XXXX NY XXXX XXXX, on XXXX XXXX. I have not purchased flooring in any quantity at the XXXX XXXX XXXX or any XXXX XXXX in over ten years. I have not engaged any staff there by inquiring about flooring, its pickup or delivery, or installation. 
3. I never applied for this card. 
4. I have never seen this card, though it is possible my deceased wife ( XX/XX/XXXX ) got it in my name. But I have never gotten a statement on it by mail or electronically. It is a one-off fraudulent purchase - to my knowledge. 
5. The first statement I have gotten on this card was in XX/XX/XXXX. 
6. I called XXXX XXXX Customer Service in latter XXXX to report the impersonation and fraud done in my name. 
7. They opened a case, closed the account balance ( I now guess in pending fashion ) and then closed the case without finding in my favor. They divulged almost nothing, leading me to believe the effort was perfunctory.

8. I have since received another account notice to make payment. 
9. I called again ( ~XXXX  XXXX, XXXX ) and, after they resisted and said only that signatures match, they reopened the case. 
10. I do not know even how to call XXXX and provide any information on the card number or its account application, etc. 
11. This was a clever impersonation and fraud and I doubt the item was delivered and installed by people associated with XXXX XXXX. Pickup by customer arrangement seems the most likely. 
12. Current case claim # is XXXX. 
13. XXXX XXXX agent is welcome to come to my house and look around.

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 2025-03-15 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WV

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXXXXXX XXXX XXXX XXXX  ( XXXX  ) and the XXXX XXXX XXXX XXXX  ( XXXX  ). This breach constitutes a direct violation of the Family XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under XXXX ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my XXXX  tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
They keep calling at late hours, treating about seizing my wages, constat phone calls and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim I owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported the debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX added my name to a loan without my knowledge or verifying my signature. 

Property address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

I discovered the fraud last year and reported it to the court in XXXXXXXX XXXX XXXXXXXX XXXX  then collaborated with XXXX to seize the property. XXXX brokers are in this house now attempting to sell it/flip quickly to an innocent buyer to profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing regardinga dispute I filed on XX/XX/XXXX concerning negative items reported on my credit reports by Equifax, TransUnion and Experian. As of today, I have yet to receive confirmation that these items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing regardinga dispute I filed on XX/XX/XXXX concerning negative items reported on my credit reports by Equifax, TransUnion and Experian. As of today, I have yet to receive confirmation that these items have been removed.

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 2025-03-15 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: DC

Complaint narrative:
A false hard inquiry was made on my credit report. XXXX  XXXX proved the inquiry was false and not me but it is still on all XXXX bureaus.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: KS

Complaint narrative:
My student rights were blatantly violated via XXXX for allowing my records, and financial records to be breached. My students information was breached, my financial information was shared as well as my social security information. Not okay I ask for my student loans to be forgiven due to the blantant violation on my student rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
My letter informed them of their breach of contract and failure to comply with their own lifetime guarantee. They never replied to my letter. 
They had sent me a letter earlier to notify me that they had filed bankruptcy and would no longer service or honor their lifetime guarantee. I had reached out various times for service and no calls or requests were answered.My teeth were never straightened, but were further misaligned. 
In their letter they informed me that I should consult another dentist for treatment ( and I did ). 
Please see copies of my letter and theirs in attachment. This company has been found liable in various states of fraud and ordered to refund customers their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: WV

Complaint narrative:
I filed a dispute claim to have a medical collection removed from my account as a result of the rule that the CFPB completed earlier this year. 

Rather than investigate the rule, Equifax followed its normal review of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I requested a payment to Bank of America be reversed in the amount of XXXX on XX/XX/year> because it was not authorized. I was told it would take up to 5 to 7 business days to reverse it, by multiple representatives. Over XXXX months later and the money has not been returned to my checking account. On XX/XX/XXXX the charges reappeared on my Bank of America statement and I have been charged interested the entire time, as if I had been refunded the money. I have yet to see the money and today XX/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 monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> [ Credit collection service ] [ XXXX XXXX XXXX ] [ XXXX, MA XXXX XXXX ] Re : Request for Debt Validation Account Number : [ XXXX ] Dear Sir/Madam, I am writing to request validation of the debt referenced above, which you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification and validation of the debt. Please provide the following information : The amount of the debt : Please provide a detailed breakdown of the debt, including principal, interest, fees, and any other charges that have been applied. 
The name of the creditor : Please provide the name and address of the original creditor. 
A copy of the original agreement : Please provide a copy of the original contract or agreement that shows I am legally obligated to pay the debt. 
Verification of the debt : Please provide documentation or records that prove I owe the amount you claim. 
Proof of your authorization to collect on this debt : Please provide evidence that you have the legal right to collect this debt on behalf of the original creditor. 
In accordance with the FDCPA, you are required to provide this information within 30 days of receiving this letter. Until I receive this verification, I request that you cease all collection efforts, including reporting this debt to credit bureaus. 
Please note that if you fail to provide the necessary documentation, I will dispute this debt, and it should be considered invalid. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ct, XXXX XXXX ( XXXX ) XXXX Credit Collection services XXXX XXXX XXXX XXXX XXXX MA, XXXX Account XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining. 
A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract. 
Proof of your legal right to collect including a complete chain of title from the original creditor to your agency. 
Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off. 
Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law. 
If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ). 
Please respond to this request within 30 days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights. 
I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, 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 2025-03-15 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: NM

Complaint narrative:
I am requesting that my Federal Student Loans be discharged immediately due to my personal and financial information being compromised and accessed without my authorization. 
Private citizens : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and multiple others are posing as elected officials and gained access to my information without my consent and without authorization by the federal or state government. 
This is in direct violation of the Higher Education Act, Privacy act of XXXX, and the Family Educational Rights and Privacy Act. FERPA protects the confidentiality of student records. This breach is a clear violation of FERPA and a failure in the responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I have requested immediate cancellation and discharge of my student loan debt in full.

I attempted to file a dispute with Federal Student Aid on XX/XX/XXXX, and the representative said he could not file the dispute. 
The same day, I submitted a complaint through the student aid.gov portal and was provided a case number : XXXX. I received an email on XX/XX/XXXX regarding the case. However, the email only contained generalized information and did not address my needs. 
On XX/XX/XXXX I also filed a complaint with the loan servicer, Nelnet. The representative assured me that a complaint had been submitted, but he could not provide a confirmation number or even a reference number for our call. 
The unauthorized access of my information is outrageous, but the lack of legitimate assistance I have received since then is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, Ohio, XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : List of the Name of the accounts. STUDENT LOANS XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( XXXX  ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Page XXXX  | XXXX  Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have a Cash App account that was closed without my knowledge. After contacting them they unblocked the account so I could withdraw my cash balance, I linked my XXXX XXXX checking account and debit card with them, when I tried to withdraw the balance and transfer the amount to my XXXX XXXX  account and then debit card ( attached to the same credit XXXX account ) the transfers were blocked by Cash App. I have spoken and chatted via the app with customer support numerous times and they have yet to rectify the issue. I did receive an email from a member of management and was told the complaint was escalated to the appropriate team but have had no response or resolution as of yet. I first reached out to customer support on XX/XX/XXXX and have numerous times daily since then with no progress, the XXXX sent me XXXX emails on XX/XX/XXXX, the later stating it had been escalated to the appropriate team but have yet to here from them.

Company response to consumer: Closed with explanation