vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX  stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and XXXX stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Progressive sold this debt to another collection agency ( Credit Collection Services ) Date Opened with Collections XX/XX/2023 Balance Updated on XX/XX/2023 Account No : XXXX Amount {$400.00} This account is fraudulent and debt is not mine. This account have been disputed before and the account is still resurfacing on my credit profile and affecting my credit rating. The police report will show that I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: EdFinancial Services
State: TX

Complaint narrative:
XXXX is my loan service provider. Since earlier this year, they have been transferring loans to a new platform. I received notice that my loans would be transferred starting on XX/XX/XXXX. I was told this transfer to the new system would take 14 days and after that I would be able to create a new account on the new platform to access and pay my loans. 
On XX/XX/XXXX, the transfer to the new system was initiated. The old platformed confirmed this and my balances showed as {$0.00} during the transfer. 
On XX/XX/XXXX ( 16 days after the transfer ) I attempted to create a new account on the new system, but my account could not be found. 
I tried again several more times in the week that followed, all with a error alert that my account could not be found. 
On XX/XX/XXXX, I received an email from XXXX detailing that the transfer was taking longer than originally estimated and that I would receive notice when it was available. 
I tried several more times in the week after that to create an account. 
On XXXX XXXX ( over 30 days since the transfer was initiated ), I called XXXX to request an update. As XXXX percent interest is ending on XXXX XXXX, it is imperative that I access my loans to pay a portion down -- I have enough to pay off one of my loans completely and did not want interest to accrue unnecessarily. 
I waited on hold for XXXX minutes. When I finally got through, the customer service rep could not provide me with a concrete time line for when I would be able to access my loans. She repeated that there was a delay. I told her of my intention to pay some of the amount owed and she advised that I would simply have to wait. I asked if there was an alternative way to pay and was told that I could send a check, but that I would have to put my Social Security Number on the check since I don't have a new account number and that the check could take up to 90 days to process because of the transfer. 
I have since tried to access my account several more times, with no success. 
On XXXX of XXXX, I received another email that the delay was ongoing. 
I have received no updates and still can not access my account or pay my loans. 

It's unacceptable that I can not access my loans and there is no real alternative to pay during the transfer -- especially right before interest starts up again. Because I can not access my loans to put payments toward them, I will accrue interest unnecessarily. XXXX needs to promptly fix this issue so that I can access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transition and XXXX are teport my score XXXX points less then XXXX. Trying to repair credit and the scores where in the XXXX range and in a span of 4 days they took a total of XXXX points off my score with no changes to credit cards or any missed payment. These credit bureau are not reporting fairly. I have paid for the last 6 months to repair credit and made all on time payments. Opened new account to boost the credit, it did go up but a month later. They took all the progress I made away in 4 days ... ..not fair to take XXXX points off in 2 day and the 4 days later another XXXX points. My score has never jumped by XXXX points.

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 2023-08-29 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: NC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America fraudulently opened a checking account without my knowledge and without my consent. I tried to dispute with BOA in XX/XX/2023. They refused to close it. I filed a complaint with Consumer Finance after seeing that BOA opened accounts without authorization. It was soon determined that the bank account was illegally opened. I requested that this account be closed immediately. Today I received another bank statement in the mail from Bank of America. It's still opened even after Bank of America sent me a letter stating that after an investigation it's been determined the account was opened without my authorization and it was 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 2023-08-29 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On or around XX/XX/2023, I reached out to XXXX asking for validation letters stating that collection accounts do not belong to me. 
XXXX XXXX XXXX ( XXXX XXXX ) Credit Collection Serv ( XXXX ) XXXX ignored my request and accounts are still reporting negative on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
On XX/XX/2023, an agent representing XXXX XXXX XXXX  released information about my debt to a third party via telephone. The agent contacted the third party, my father, at a phone number not associated to my account. He asked who was calling and what it was in regards to. The agent informed the third party that they represented XXXX XXXX XXXX and were a debt recovery agency. They further advised the third party that they were trying to reach me in regards to several XXXX XXXX that I owed to them in debt. This third party was unaware of my debt, much less that it was several XXXXXXXX XXXX  and explained to XXXX XXXX XXXX that his phone number has no connection to me. He further explained we live at separate addresses, do not share any finances, he confirmed the phone number the agent gave him was my only contact number, and advised the agent that he would pass along a message for me to contact them. 
After the third party advised me of all the information that XXXX XXXX XXXX disclosed to him, I placed a call to the phone number the agent gave him ( XXXX ). A gentleman answered the phone and identified himself as representing XXXX XXXX XXXX. I gave my name and explained that my information had been released to a third party without my permission. I also advised that I would like to discuss my debt as well as address the release of information. The gentleman stuttered, asked me to hold, and then placed me on hold. When he returned to the line, he stated he had to connect me with a supervisor and transferred the call. The line I was transferred to had a generic message. It did not identify a specific person and indicated to leave a voicemail with my name, phone number, and best time to be reached. I left my name, phone number, best time to be reached, as well as a detailed message. I explained that one of their agents released my personal financial information to an unaffiliated third party without my permission. I explained what information was released, stated that they should remove the third partys contact number from their database, explained that I believed the release of information without solicitation or my consent was illegal and asked for someone to please call me back to discuss. I have not received a response from anyone with their company. I have read the governments guidelines on collection agencies responsibilities in regards to protecting consumer data and release of information to third parties. I believe XXXX XXXX XXXX has violated the governments regulations by releasing my information to an unaffiliated third party without my concent. They have also failed to contact me to address this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a Bank of America customer living in XXXX. I requested a card be sent to me in XXXX and a card was sent. And lost. A replacement card was sent. 

And none of the three methods the bank has for activating the card is available to me in XXXX ; Telephone authentication Mobile app QR code scan My complaint is agains the bank for theft of services, or fraud : they are failing to support me as a customer and denying access to my account.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Made a {$25.00} charge using XXXX XXXX. Charge was treated as a cash advance and Chase charged me a {$10.00} dollar fee for the {$25.00} charge. If I knew the charge would be treated as a cash advance and I would not have made it. I complained to Chase that I have made this transaction before and it was not a cash advance. Requested that the {$10.00} fee and any related financing charges be reversed since i wasnt aware of the charge and didnt approve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: SC

Complaint narrative:
In XX/XX/2019 I traveled to XXXX, one and a half years later I get traffic tickets from my trip. The only way to pay was to wire money to some strange account that I did not feel comfortable with. I received XXXX tickets for {$180.00} each, I told Collection Bureau of America I have no problem paying original amount. When I went on line to print and pay, it stated I owe {$1900.00}. When I called collection agency they did not see this amount owed, it is sketchy. I can send you pictures of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I was a victim of identity theft and have filed reports with the FBI and local law enforcement. I was informed by both to contact all companies with fraudulent accounts and have them closed. All the companies have helped me to close my fraudulently opened accounts except Coinbase. I did not open the account and did not authorize any of the transactions on the account. I would like the account closed and confirmation from Coinbase that the fraudulent account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Today on XX/XX/, I received a notification from my XXXX account that my credit score dropped XXXX points in the last month. I then looked into my account and saw that I have been an authorized user for a " CITICARDS CBNA '' credit card for the last two months ( since XX/XX/ ) and that I am currently using 50 % of my account 's limit. I am not familiar with this credit card and would like this removed from my records/reports as I am sure this is a fraud. I will contact the creditor after I send this message.

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 2023-08-28 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: GA

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/2023 i had several credit cards through Synchrony bank Lowes, ebay mastercard, paypal credit and mastercard, care credit, my car care and several others. I have one card that has a balance on and i am still paying on. I paid all cards on time and balance off. Never was late or missed a payment. All payments made on time. Back in XX/XX/2023 Synchrony closed every account with them. Reason was they say im a risk yet i pay off the balance after making few months of payments to build payment history and never late or miss any. Bank refuses to open accounts up. My score took a big hit when they closed all accounts. Reading reviews on this bank it seems to be a habit of theres

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