vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DriveTime
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> DriveTime / Bridgecrest XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX RE : Request for Verification and Original Loan Agreement Auto Loan Sold/Transferred Account Number : XXXX FORMAL REQUEST FOR DEBT VALIDATION & ORIGINAL CONTRACT UNDER 15 U.S.C. 1692g To Whom It May Concern, I am writing regarding the above-referenced account, which you allege I owe. It has come to my attention that this auto loan account has been sold, reassigned, or transferred. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting complete validation of this alleged debt.

Please provide the following documentation to verify this debt and your legal authority to collect it : 1. A complete itemization of the current debt, including the original principal, interest, fees, and any other charges applied to the account.

2. The full name and address of the original creditor and the original date the account was opened.

3. Proof of ownership or assignment, including a valid transfer agreement or bill of sale that authorizes DriveTime/XXXX to collect on this debt.

4. A copy of the original signed auto loan contract or retail installment agreement, with the terms, payment schedule, and my signature. 
5. The vehicle details, including the make, model, year, and VIN number, and whether the vehicle was repossessed and/or sold at auction.

6. Any deficiency balance calculation if the vehicle was repossessed and sold, including sale date and proceeds applied to the account.

7. Verification that your agency is authorized to collect debt in the State of North Carolina, including any applicable license numbers. 

Until all requested information is provided and the debt is fully validated, you must cease all collection activity, including reporting to any credit reporting agencies, calling, mailing, or otherwise pursuing collection. Reporting inaccurate or unverified information violates 15 U.S.C. 1692e ( 8 ) and may result in legal action.

You are hereby notified that I dispute this debt in its entirety and expect a full response within XXXX XXXX  of receipt of this letter. If you are unable to comply, you are required to delete any record of this debt from all consumer reporting agencies and cease further contact. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against the student loan servicing company Aidvantage regarding a suspected and highly plausible violation of my personal and educational data privacy rights. I believe my sensitive informationsubmitted through the federal student aid system and managed by these servicersmay have been accessed, disclosed, or mishandled without my consent, in violation of multiple federal laws. Specifically, I suspect violations of : XXXX ( Family Educational Rights and Privacy Act ), which protects the confidentiality of my education records ; The Privacy Act of 1974, which restricts federal agencies from disclosing personal information without authorization ; The Higher Education Act, which limits the use of XXXX XXXX solely to administering aid. These suspicions are based on widespread reports of unauthorized access to federal student aid data ( e.g., the Department XXXX XXXX XXXX program and past servicer data breaches involving millions of borrowers ). While I have not been officially notified, the scale and nature of these privacy lapses make it entirely plausible that my information was compromised. I never gave written consent for my personal data to be shared with third parties for any purpose beyond the direct servicing of my loan. As a result, I am requesting that the CFPB investigate this matter and support my demand for the full discharge of my federal student loans, as my privacy rights have been severely violated. 
Acct numbers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : Immediate Action Required Failure to Deliver Promised Amex Skymiles Gold Card Bonus To Whom It May Concern, I demand IMMEDIATE RECTIFICATION of the missing welcome bonus Skymiles for my Amex Skymiles Gold Card. When I applied for this card six months ago, I was explicitly assured that I would receive a welcome bonus upon spending {$3000.00}. Within days, I spent nearly $ XXXX double the required threshold. Yet, as of today, the promised bonus has NOT been deposited. 

On XX/XX/year>, I contacted XXXX to formally file a complaint. The representative clearly stated that had I been ineligible for the offer, XXXXAmex would have notified me BEFORE processing my application, allowing me the option to withdraw. That notification NEVER happened. Had I been informed, I would never have used this cardlet alone spent nearly {$5000.00} immediately upon opening the account. 
I already hold a XXXX XXXX XXXX, which provides far superior cashback XXXX % at XXXX gas stations, 4 % at other gas stations, 3 % at restaurants, and 2 % at XXXX stores. The only reason I prioritized spending on this Amex card was to earn Skymiles. Without the promised bonus, this card offers absolutely NO ADVANTAGEespecially given its {$150.00} annual fee. 

Adding further frustration, XXXX is actively advertising a XXXX Skymile bonus for new customers. Given the gross mishandling of this situation and your failure to fulfill contractual commitments, I expect XXXX to immediately honor this XXXX Skymile promotion as compensation. If I had not proactively investigated, I would never have discovered this issuemeaning XXXX has charged me an annual fee while outright FAILING to deliver the benefits I was promised. 

This situation is UNACCEPTABLE. Two weeks ago, I contacted Amex customer service regarding this issue and was assured that someone would reach out to me. That never happened. This is yet another glaring failure on Amexs part to uphold its obligations. 

I demand IMMEDIATE CORRECTIVE ACTION. If this matter is not resolved without further excuses or delays, I will escalate it to consumer protection authorities and the New York Attorney Generals Office. XXXXAmex must immediately credit the promised bonus or offer appropriate compensation for this blatant failure. 
I expect a prompt and final resolution. No more delays. No more empty assurances. I will not tolerate further neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo mailed me and my husband a new debit card and pin numbers that we did not ask for. We did not open this 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sent money to a friend on XX/XX/XXXX for a painting I was supposed to pick up for my moms birthday. Ive had him paint pictures in the past no problem until this time where he messages me informing me he stepped on the painting and broke it and doesnt have the money to paint me another XXXX or refund me despite me asking multiple times to correct this problem.

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 2025-06-19 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
CashApp closed my account due to " suspected fraudulent activity '' and will not allow me to link a new debit card to it so that I can withdraw the funds in the account. I created the account to accept donations for a friend of mine 's medical bills.. I wasn't committing ANY fraudulent activity! I have tried to resolve this with CashApp Support but am not getting ANY help whatsoever and my friend desperately needs this money that they are holding against my will! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am disputing a series of unauthorized transactionstotaling roughly $ XXXX to my Goldman XXXX credit card by XXXX XXXX ( XXXX XXXX. The largest single charge is {$900.00} on XXXX. I reported the fraud in XX/XX/2025 and provided screenshots from my XXXX as evidence that I did NOT authorize the activity. 

XXXX compelling evidence consists only of IP address, device ID, and usage logsdata that can be spoofed or obtained in a credential-stuffing attack. No XXXX authentication, OTP, XXXX CVV confirmation was required by the merchant. Despite this, Goldman Sachs is treating the transactions as valid. 

I received a letter with a vague summary of compelling evidence from the merchant, but I have not been provided a full investigation record or a clear explanation for the account closure. As of now, the dispute appears unresolved, and my account remains closed without further clarification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On XX/XX/2025, Goldman Sachs CLOSED my credit-card account while the investigation was still open, yet simultaneously relies on account activity to claim I knowingly authorized the charges. Closing my account for risk contradicts the banks position that the activity was legitimate and suggests the dispute was not handled impartially. 

I request that CFPB ensure Goldman Sachs : Completes a fair, Regulation Z-compliant investigation of all disputed PrizePicks transactions ( {$4000.00}, not just the {$900.00} singled out ). 
Explains in writing why the account was closed mid-dispute. 
Issues chargebacks or provisional credits if the merchant can not prove explicit authorization. 


I believe Goldman Sachs actions violate the XXXX of the Fair Credit Billing Act and XXXX expectations for dispute resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-18 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Attempts to open an estate account. Was given instructions from the Wells Fargo XXXX XXXX XXXX : I have complied fully with every instruction given by XXXX XXXX XXXX XXXX team from the outset. Despite my cooperation, I have been subjected to continuous delays, conflicting instructions, and shifting requirementsall without explanation or accountability. This conduct is unacceptable, unprofessional, and raises serious concerns about XXXX XXXX handling of fiduciary responsibilities.

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 2025-06-18 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: FL

Complaint narrative:
Accounts are being reported under my name without my authorization or knowledge. I have never opened or managed these accounts, and their presence is false, misleading, and unacceptable. This misreporting damages my financial credibility and raises serious concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-18 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: TX

Complaint narrative:
I am demanding an immediate investigation into multiple inaccurate and unverifiable accounts being reported on my credit file in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. 

Your reporting of these accounts lacks lawful validation, proper documentation, and fails to meet compliance with XXXX XXXX data integrity guidelines. You are placing me at financial risk by reporting unverified, incomplete, and potentially fraudulent information. I have never received full validation or verification of these alleged debts, nor have you provided any legally permissible purpose under 15 U.S.C 1681b for these entries to appear on my report. 

The following accounts are being disputed for immediate deletion : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I require you to produce the following within XXXX XXXX of receipt of this letter : Complete validation, including original signed contracts bearing my wet signature Permissible purpose documentation for each account Proof that the information is XXXX XXXX accurate, fully verifiable, and XXXX XXXX XXXX A sworn, notarized affidavit from a person with direct firsthand knowledge of these debts, confirming the full legal validity of these claims, not written off, sold, or claimed for tax or insurance purposes Your failure to fully comply will constitute willful noncompliance under FCRA 15 U.S.C 1681n and 1681o, subjecting you to statutory damages, actual damages, punitive damages, legal fees, and potential regulatory complaints with the CFPB, FTC, XXXX Attorney General, and other enforcement agencies. 

This is your legal opportunity to correct and DELETE these unverifiable accounts immediately. You are now on notice.

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