vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-05 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
i was a victim of identity theft i sent copy of police report and also alerted Federal Trade Comission but they wont remove inquiries. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX my identity was stolen.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have 8 hard inquires on my credit report that was not done by me. im a victim of identity theft. i sent a copy of my police report and still they remain. all i ask is for them to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no accounts tied to these inquiries. please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: American Trst Company, Inc.
State: LA

Complaint narrative:
I was paying National Credit Partners to resolved my Debt with the XXXX company. My Account have being freeze about 3 times after speaking with the XXXX they never received any payment from them. I SENT National Credit Partners XXXX. I Reach out to them they only sending me invoice saying i have to pay them XXXX they never payed a dime of my money to the company

Company response to consumer: Untimely response
Consumer complaint received 2024-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Commercial Credit Counseling Services Inc.
State: LA

Complaint narrative:
We were paying cooperate Turnaround also they didn't pay the XXXX. XX/XX/2023 XXXX XX/XX/2023 XXXX 2 times XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 they sent me XXXX back XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX 2023 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IN

Complaint narrative:
This account was reported 90-120 days late payment. Information incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : Synchrony Bank / CareCredit Product : Credit card Issue : Opened without informed consent / deceptive practices A CareCredit credit card account, issued by Synchrony Bank, was opened in my name for dental services. I was presented with extensive paperwork by the dental provider under the representation that it was for payment or financing of dental treatment. I was not clearly informed that I was authorizing the opening of a credit card account, nor was the identity of the creditor ( Synchrony Bank / CareCredit ), the credit card nature of the account, or the applicable credit terms clearly disclosed. Any purported authorization was not informed, knowing, or voluntary. The dental provider acted as an intermediary in a manner that was misleading and deceptive. Synchrony Bank concluded an internal dispute and declined my claim without addressing the lack of informed consent or deceptive enrollment. Although I had never received any service, the Dental Clinic post a charge of {$1200.00} in this credit card they opened in my name I requested Synchrony Bank to close the account, and I will be asking the bank again to remove all charges, ensure the account is never reported to credit bureaus, and correct this matter resulting from unfair and deceptive practices.

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 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
This debt is a result of identify theft and fraud. A loan account was opened in my name without my knowledge, authorization, or consent. I did not apply for this loan, did not sign any loan documents, and did not authorize any financing agreement, either physically or electronically. I am a senior citizen. I was deceived into providing my personal information under false representations that I qualified for a grant program covering other home products to better utilize the efficiency of my recently installed solar panels. I was never informed that a bank loan would be opened, nor was I advised that credit would be extended in my name. I later discovered that a loan had been issued through Cross RiveXXXX Bank/MOMNT. I immediately contacted the bank and the credit reporting agencies to dispute the account as fraudulent. Despite my denial of authorization, the loan has been treated as legitimate without providing me copies of any signed or authorized loan documentation. Any signatures or electronic authorizations associated with this account are fraudulent. This is a case of identity theft and unauthorized credit. I am requesting that Cross River Bank : -Provide copies of all loan documents, including the original application, contract, and any electronic authorization records. -Provide proof of authorization, including how my identity was verified. -Cease all collection activity and credit reporting related to this account while the fraud investigation is ongoing. -Dissolve this loan -Remove this fraudulent account from any credit reporting. I am in the process of filing identity theft reports with the Federal Trade Commission and local law enforcement. I am requesting CFPB assistance to ensure Cross River Bank complies with its obligations under federal consumer protection and identity theft laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: North Colony Law Group, PC
State: MA

Complaint narrative:
I was contacted by a credit collection company through the mail named XXXX XXXX that I owed a debt, but I was unaware of where the debt originated from. This was in XXXX I was never formally served a summons to appear for a court apperance and did not know about any procedings. But when I searched throuh the records of thw court thwy claim to have served me notice to appear XX/XX/year> which is falae information pertaining to case # XXXX. Now the company is changing hands to North Colony Law Group based at the same address as XXXX XXXX. They have sent me a notice claiming that I owe {$3500.00} and {$5200.00} in interest from a court order I was never informed of attending with a fraudulent you have been served notice and was never informed of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I don't know this company but they keep leaving messages, texts and emails. Radius Global Solution XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: FL

Complaint narrative:
I had the Albert company I never signed up for or wanted the subscription and they keep taking money from me continuously and there is no way they are letting me cancel it Ive tried calling and messaging and no one has answered

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I am filing this complaint regarding First Access XXXX handling of a payment and the customer service I received. Approximately three months ago, I made a payment by phone through the automated system. After completing the payment, I received a confirmation number, which indicated that the payment had been accepted. XXXX every month Ten days later, I was notified that the payment was rejected and I was charged a returned payment fee. When I contacted customer service, I was told that my bank should have notified me. I do not believe this is reasonable because the payment was made through First Access XXXX system, and I was only notified after several days. I requested information to verify the payment, such as the last four digits of the account number or routing number used, but I was told that representatives did not have access to that information. Additionally, several customer service representatives were sarcastic, discourteous, dismissive, and abrupt when addressing my concerns. I request an investigation into : * Why I was not notified immediately when the payment failed. * Why I was charged a returned payment fee. * Why I could not receive basic information to verify the payment. * The unprofessional conduct of the representatives involved. I would appreciate a written response explaining the outcome of this investigation. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I recently discovered a {$990.00} collection account on my credit report that I did not recognize and had no knowledge of. I immediately contacted XXXX XXXX XXXX to inquire about the account. After providing my personal information, the representative informed me that they have no account or records associated with my name. They advised me to contact the collection agency reporting the account. I then contacted the collection agency, and I was similarly informed that they had no information or account associated with my name. Based on these conversations, I believe this account does not belong to me and may be the result of identity theft or inaccurate reporting.

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 2026-07-15 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: LA

Complaint narrative:
XXXX XXXX :, Social Security Number : XXXX, Date of Birth XX/XX/XXXX .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have been in contact with Wells Fargo about a claim I filed back in XXXX. This claim was denied and I was not informed until I reached out myself. I was then told that I could not submit an appeal for this claim. Getting my money back ( {$2600.00} ) is not optional and I am willing to take legal actions. I have been treated unfairly by the bank and my account was not secured at the time of the fraud. Wells Fargo failed to secure my account and I feel that my information in unsafe as a result. I have told multiple people about this issue, resulting in them closing their accounts with Wells Fargo 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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bank notified me about my checking account closure in the end of XXXX. In the end of XXXX, I still did not receive the check for my remaining balance in the checking account. I contacted BMO bank and the agent said the address on the account was wrong, which they updated during the call, and another agent will be calling in a few days regarding the check. However I never received the check nor any calls regarding this matter. I called again in XXXX and the agent says he left a note on the issue and that is all they can do, with no expected date at all. After several weeks, the business sent me a letter stating that, pursuant to its policy, a replacement check could not be mailed to my updated address until the expiration of a XXXX holding period on XX/XX/XXXX. However, as of XX/XX/XXXX, I have neither received the replacement check nor been provided with any further update regarding its status. I am therefore requesting that the business issue and mail the replacement check immediately, along with compensation for any interest lost during the period from XXXX through XXXX as a result of the prolonged withholding of these funds.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX and ex-boyfriend of mine got a hold of my Citibank account through my phone. He had the password to my phone in which I did not give to him. He had stolen and with the password to my phone you can access everything within my phone, he XXXX himself {$1000.00} from my account. I gave him time to pay it back because he told me he would pay it back when he made it clear that he would not be giving me back the money that he stole from me immediately went to my bank and filed a police report as well. I submitted the police report in all of the text message proof and evidence to my bank of the situation, and they still denied my claim with all of the proof.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Iopened a new Truist One Checking account using promotional offer code XXXX. Per the offer terms, I was required to, within 120 days of account opening : ( XXXX ) receive at least XXXX qualifying direct deposits totaling {$2000.00} or more, and ( XXXX ) complete at least XXXX qualifying debit card purchases. The offer terms state the reward is {$400.00}. I completed both required activities. It has now been more than XXXX business days since completing all requirements, and Truist has not credited the {$400.00} bonus to my account as promised. I contacted Truist customer service by phone regarding the missing bonus and was unable to obtain a resolution or a clear timeline for payment. I am requesting that Truist honor the terms of promotional offer XXXX and credit my account with the {$400.00} bonus I am owed. Attached are screenshots showing the code was applied during the application process. Desired resolution : Payment of the {$400.00} promotional bonus owed under offer code XXXX, per the offer 's stated terms

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 2026-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Higher Education Servicing Corporation, Inc.
State: OK

Complaint narrative:
Subject : Formal Dispute Systemic Metadata Corruption, Misapplied Fees, and Inaccurate School Mapping oXXXX XXXX XXXXXXXX XXXX XXXX filing a formal dispute against Higher Education Services Corporation ( HESC ) / XXXX regarding severe administrative data corruption affecting my loan portfolios. This database crossover glitch has corrupted my official Federal Student Aid dashboard and generated invalid balance calculations. The Core Defect : My federal Borrower Defense to Repayment discharge was fully approved and finalized exclusively for my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. However, HESC is currently uploading data to the federal portal that incorrectly links my XXXX legacy XXXX and XXXX student loans to " XXXX XXXX XXXX - XXXX University '' ( XXXX ID XXXX ). I did not attend XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As proven by the attached documentation, these XXXX loan lines correspond strictly to my XXXX XXXX XXXX XXXX XXXX. Because of this automated data crossover error, the underlying interest rates, capitalized collection fees, and principal balances have been calculated against the entirely wrong institutional profile. The reported total balances ( {$2100.00} and {$2000.00} ) are built upon corrupted metadata and are legally invalid. Furthermore, while the U.S. Department of Education has placed these balances into an Administrative Forbearance, HESC is simultaneously publishing an active " XXXX Days Late '' collection status to XXXX XXXX generating flagrant reporting contradictions. A servicer can not legally validate or report a debt balance that is built upon corrupted school metadata and misapplied fees.

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 2026-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im demanding proof of accounting or my legal team will be involved for a formal audit from California legal counsel! Im telling you again there are discrepancies as I paid my entire balance of XXXX and than the account had a CREDIT that did not reflect nor did the thousands that I paid which in total was over {$8900.00} from XXXX to XXXX that I have evidence of and reflects within my portal are you unable to see that? What youre referring to is what I paid fourth towards the XXXX when that was the only pending transaction on the account that I paid more than {$5000.00} towards that has not reflected! Im demanding break down of account as the amount I paid doesnt reflect last months statement balance, the negatives and there ARE DISCREPANCIES! Additionally, my XXXX XXXX claim was not having the pizza prepared the way I paid additional for so for the XXXX time and after telling multiple representatives that services werent fully rendered nor as described since I didnt get fully what I paid additional for there was continuous refusal so XXXX XXXX lying, unethical XXXX up! Youre unethical and engaging in consumer fraud, my lawyer XXXX XXXX will format audit Wells Fargo if proper accounting is not provided!

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