vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
This letter serves as a formal dispute of the alleged student loan debt you have claimed I owe. I am also placing you on official notice that I am aware of your potential violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Family Educational Rights and Privacy Act ( FERPA ).

Let me be clear : You are not authorized to collect on this debt unless and until you fully validate it under federal law. This includes, but is not limited to : A copy of the original promissory note signed by me The full account and payment history from the original creditor Proof of your legal right to collect on this debt Documentation showing you obtained any educational or financial records in compliance with FERPA FERPA Violation If you accessed my private educational records including loan data, enrollment info, or financial aid history without my explicit, written consent, you are in direct violation of FERPA. That is a federal offense, and I am prepared to escalate this to the U.S. Department of Education, FTC, CFPB, and my state attorney general without further notice.

You do not have the right to dig through my student records to support debt collection activity. If you think you do, I strongly advise you to have your legal team read 20 U.S. Code 1232g and review FERPA case law.

You Are Now on Notice : Cease all collection efforts immediately until the debt is validated in full.

Do not contact me by phone all communication must be in writing.

Remove any negative credit reporting linked to this alleged debt until its resolved.

Be advised that continued collection without validation, or further use of my education records, will result in legal action. I will not hesitate to sue for damages, report you to federal authorities, and pursue every remedy available under the law.

This is your one warning. Handle this matter correctly or face the consequences.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint and request assistance in obtaining a Form XXXX ( Cancellation of Debt ) from Avant LLC/ XXXX Bank for XXXX XXXX account. Despite multiple attempts to resolve this matter directly with the creditor, I have not received the required tax documentation. 
Account Details : XXXX Name : Avant LLC/ XXXX  Bank Account Number : XXXX Original Debt Amount : {$950.00} Date of Charge-Off : XX/XX/year> Background : I was informed that the above-referenced debt was charged off. According to IRS XXXX XXXX, creditors must issue a XXXX when they cancel {$600.00} or more in debt. However, Avant XXXX XXXX Bank has failed to provide this form, which is necessary for accurate tax reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
Requested company to provide original debt contract. Sunrise Credit Service was unable to do so therefore, negative item needs to be removed off my credit profile.

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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
Every time I disputed transactions, the company lied to me about crediting my account. 
My disputes were denied without investigation and the denial was posted to my account within 12 hours.

I spoke to managers and supervisors on recorded calls whereby they promised they would reopen the claims and said I qualified for provisional credits. 
The last call I made, the representative promised to block future transactions but they were not all blocked because they kept attempting to process the payments for those companies. I removed the money because of that, I get text notices from Chime about these companies trying to take payments, The texts ask me if I authorized the payments and every time I respond with No. 
Chime has responded to previous complaints with the same generic response but no reason to deny my claims and I WANT ALL MY MONEY PUT BACK INTO MY ACCOUNT FOR THE TRANSACTIONS I DISPUTED. 
I didnt dispute the transactions for the XXXX of it. My complaints are real and valid and I didnt authorize these purchases. 
I have tried to contact the merchants and get the run around and they still try to charge my accounts for recurring charges that I DID NOT AUTHORIZE. Chime seems to have done in house policy to deny disputes immediately. Is there some kind of incentive for this? 
I want my money back for the disputes I made. All of it. And if the bank needs to give me a new account number to stop these transactions then DO IT. Chime replaces my card with the disputes and then deny my claims and then let the same charges keep going thru. Theres no way to trust them if they cant get control of the problem and until I get the money back in my account I cant use it because I have no way to trust that Chime will take care of my money whatsoever I had disputed transactions from the same companies before and Chime returned the money to my account. Why would you suddenly deny the same claims .. they are recurring charges for items I did not purchase and you already approved my disputes for the same ones. Denial is unacceptable and within 24 hours appears to be intentional

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing this complaint to report an unresolved issue regarding a duplicate charge on my American Express credit card that occurred on XX/XX/year>, for which I have not received a refund despite repeated efforts. 

On that date, I attempted to make a {$500.00} payment through a merchant. The first attempt was declined. However, XXXX subsequent transactions for {$500.00} each were both successfully processed. This is clearly reflected in my credit card statement, which shows XXXX completed {$500.00} charges on XX/XX/year>, totaling {$1000.00}. 

Upon noticing the duplicate charge, I contacted the merchant. The merchant acknowledged the issue but claimed that only XXXX of the charges was deposited into their account and that they are not the payment processorthey use Stripe. They advised me to reach out to Stripe directly. However, XXXX will not speak with me, as I am not their direct customer ; the merchant is. 

I then contacted American Express to dispute the charge, but due to the time that had passed, they were unwilling or unable to process the dispute. 

I provided the merchant with a copy of my credit card statement showing both charges clearly marked as completed. I also offered to do a three-way call with American Express XXXX XXXX XXXX XXXX that both payments went through. Still, the merchant insists that they did not receive the second {$500.00}, and they have not taken further steps to resolve the matter. 

As a consumer, I am caught in the middle between the credit card company, the merchant, and the payment processor, with none of them taking responsibility. This has left me with a {$500.00} loss for a duplicate charge I did not authorize or benefit from. 

I respectfully request the CFPBs assistance in helping me secure a refund for the second {$500.00} charge or holding the responsible party accountable. I am happy to provide documentation including my credit card statement and correspondence with the merchant upon request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
I applied for an apartment and was denied because of this collection on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: LA

Complaint narrative:
Last fall my private student loans were transferred from XXXX to Mohela. I got a letter stating that more information would be forthcoming. No information ever came. I still blindly mail in payments however I have no access to my online account, to view the loans, or make payments or adjustments online. My prior login does not work. When I try to register with Mohela they do not recognize my SSN. I have tried called them only to be disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
PLEASE UPDATE THIS ACCOUNT BELOW AS UPDATED AS PAID. THIS ACCOUNT SHOULD HAVE NO LATE PAYMENTS EQUIFAX XXXX * * * * EXPERIAN XXXX * * * * TRANSUNION XXXX * * * * ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Subject : Request for Investigation into Fraud and Involvement of Financial Accounts Dear Sir/Madam, I respectfully request that the Consumer Financial Protection Bureau XXXX CFPB ) initiate an investigation into the role of Bank of America in a fraudulent transaction, specifically involving the account holder XXXX XXXX XXXX I kindly ask that the following information be verified XXXX XXXX Account I request a thorough investigation into the Bank of America account registered under the name XXXX XXXX, including transaction history, and whether this account is still being used for fraudulent purposes. 

I made an investment of XXXX XXXX  ( approximately {$1100.00} USD at the time ), transferred between XXXX and XX/XX/year> from my XXXX  XXXX account to an account under the name of XXXX XXXX at Bank of America ( Account Number : XXXX, XXXX XXXX : XXXX ). This payment was made under the pretense of an investment, but no return or service was ever received. 

This transaction is part of a larger fraudulent network. I urgently request confirmation that this payment can be traced, and that all accounts associated with XXXX XXXX are examined in connection with suspected fraudulent activity. I also request that immediate action be taken to recover and return the funds. 

Please note that this matter is also part of a broader case currently being submitted to judicial authorities, involving multiple individuals suspected of participating in this fraud scheme.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are providing incorrect information, and they are deliberately breaking the law. I am sending all information, including letters and communications, via the CFPB to prove that I am sending and they are receiving my request to stop reporting wrong information. receiving them. Additionally, I am sending via USPS certified letter every week because of their recklessness.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX not able to get loans bc of a loan they said I have in my name in my credit report and a lot of loans places saying that the loan they said I have on report is what stopping me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - 2025XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I opened this account back in XX/XX/XXXX and had the IRS to deposit my refund into this account and once the funds was deposited and available for use the bank locked my account and I was not able use or get my funds! I call the IRS they put Trace on deposit and they TOLD me my money is there and I call the bank back and they told me my account was closed and my funds were sent back to the IRS as of XX/XX/XXXX I called the IRS back and they informed me my funds were not sent back to them!! I really need some help getting my money back from Sofi banking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: UT

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NY

Complaint narrative:
This request is to follow up the correction of the erroneous status of my account has been diligently neglected by your agency. I have not received any response as of today. Furthermore, the inaccurate information regarding my accounts still persists on my reports. Consequently, you have failed to adhere to the Fair Credit Reporting Act, 15 USC Sections 1681, within the legally mandated timeframe. The continued reporting of unverified information, despite my numerous attempts to address the issue directly with the creditor, now appears as willful negligence and non-compliance with federal statutes. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SPRINGOAKCAP regarding an account I have with them XXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SPRINGOAKCAP but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
The credit bureaus are providing incorrect information, and they are deliberately breaking the law. I am sending all information, including letters and communications, via the CFPB to prove that I am sending and they are receiving my request to stop reporting wrong information. receiving them. Additionally, I am sending via USPS certified letter every week because of their recklessness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are providing incorrect information, and they are deliberately breaking the law. I am sending all information, including letters and communications, via the CFPB to prove that I am sending and they are receiving my request to stop reporting wrong information. receiving them. Additionally, I am sending via USPS certified letter every week because of their recklessness.

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