vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
BANK OF AMERICA XXXX Original Creditor - Company Sold Account Type Revolving Date Opened XX/XX/year> Open/Closed Open Status Pays account as agreed Status Updated XX/XX/year> Credit Usage 89 % Balance {$5300.00} Balance Updated XX/XX/year> Credit Limit {$6000.00} Monthly Payment {$53.00} Past Due Amount Highest Balance {$5700.00}

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 non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: MO

Complaint narrative:
my car was totaled i am late on my payment had communcated they are trying XXXX reposses the vehicle with active litigation going on with the vehicle in queston for the insurance claim i am not more than 30 days late senr a right to cure letter to my aunt the cosigner but not me says it went to an adrrss that is was not on the loan application they have hiven me XXXX days to cure it or it will be repossessed ithey are breaching there own contract by repossesing ouside the scope of the law and consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
I am writing to file a complaint against XXXX XXXX a debt collector who has garnished my bank account, despite my current financial hardship and an existing agreement to pay {$120.00} per month. I have been unemployed since XX/XX/year>, and the garnishment has severely impacted my financial stability, making it increasingly difficult for me to meet even my most basic living expenses. In our previous discussions, XXXX XXXX debt collector and I had agreed that I would pay $ XXXX  monthly to reduce the debt over time. However, despite this arrangement and my current employment situation ( which they were informed by phone XX/XX/year> ) my bank account was recently garnished, which is causing significant financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 oXXXX XXXX XXXX XXXX XXXX XXXXXXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-03-16 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: IL

Complaint narrative:
I recently reviewed my credit report and found several inaccurate items that do not belong to me. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) ), credit reporting agencies are required to ensure maximum possible accuracy and remove any unverifiable or inaccurate information from consumer reports. 

I am formally requesting that you investigate and remove the following inaccurate items from my credit report : 1. [ XXXX XXXX. Doing Business as XXXX XXXX ] Enclosed, I have included copies of my credit report with the disputed items highlighted, as well as any supporting documentation to assist in your investigation. Please conduct a reinvestigation and, if you can not verify the accuracy of these items, remove them from my report immediately. 

As required by the FCRA, please provide me with the results of your reinvestigation in writing. If the information is not corrected, I request that you include a statement of dispute in my credit file. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I want to know if XXXXXXXX XXXX  viewed my private information and if so I want to sue Dodge and XXXXXXXX XXXX for breach of contract for viewing my private information being a citizen and not a government employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C . 1681c-2 ) that you, the Equifax 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 I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX XXXX  account opened XX/XX/XXXX account number XXXX, XXXX XXXX with a {$0.00} balance account number XXXX opened XX/XX/XXXX, XXXX XXXX with a {$0.00} opened XX/XX/XXXX account number XXXX, XXXX XXXX balance {$1500.00} date opened XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request, pursuant to FCRA $ 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The collection agency tried to sue me and the case was dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: GREENSKY OPERATIONS, LLC
State: CT

Complaint narrative:
Greensky is a company that I have never dealt with and there is an account with Greensky that was fraudulently put into my name. It needs to be removed immediately. Someone used my name and credit for receiving a loan thru identity theft. 

The loan number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing an alleged debt of {$2900.00} that XXXX XXXX XXXX XXXX XXXX claims I owe. The account was reportedly opened on XX/XX/year>. I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, requesting proof of the original creditor, a signed contract, and an itemized statement of the charges. Additionally, I invoked my rights under 15 U.S.C. 1692c ( c ) to request that all further communication cease. 

Despite my request, XXXX XXXX XXXX XXXX XXXX has failed to provide proper validation of the debt and continues collection efforts, including reporting the account to credit bureaus. This constitutes a violation of the FDCPA. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX XXXX XXXX provides the required validation or removes the unverifiable debt from my credit report. Additionally, I would like them to cease all collection activities until proper validation is provided. Resolution Req
uested : 1. Require XXXX XXXX XXXX XXXX XXXX to validate the debt with proper documentation. 
2. If they can not validate the debt, they must cease collection efforts and remove any negative credit reporting. 
XXXX. Ensure compliance with FDCPA guidelines to prevent further unlawful collection 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 non-monetary relief
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing an alleged debt of {$2900.00} that XXXX XXXX XXXX XXXX XXXX claims I owe. The account was reportedly opened on XX/XX/year>. I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, requesting proof of the original creditor, a signed contract, and an itemized statement of the charges. Additionally, I invoked my rights under 15 U.S.C. 1692c ( c ) to request that all further communication cease. 

Despite my request, XXXX XXXX XXXX XXXX XXXX has failed to provide proper validation of the debt and continues collection efforts, including reporting the account to credit bureaus. This constitutes a violation of the FDCPA. 

I am requesting the CFPBs assistance in ensuring that XXXX XXXX XXXX XXXX XXXX provides the required validation or removes the unverifiable debt from my credit report. Additionally, I would like them to cease all collection activities until proper validation is provided.

Resolution Requested : 1. Require XXXX XXXX XXXX XXXX XXXX to validate the debt with proper documentation. 
2. If they can not validate the debt, they must cease collection efforts and remove any negative credit reporting.

3. Ensure compliance with FDCPA guidelines to prevent further unlawful collection 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
They have my name wrong my name is XXXX XXXX, and every address on the account is not mine my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They have my name wrong my name is XXXX XXXX, and every address on the account is not mine my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: FL

Complaint narrative:
I want to inform you that I have received a computer-generated response asking for more details. Because it doesn't specify the needed information or provide a space for submitting the extra information, I also think that this is a stall tactic on your part to give you another 30 days to fulfill my initial request. 
I have requested documentation of the alleged item, such as the original application, contract, note, or other document with my signature and payment history, from all creditors who have fraudulently reported material on my credit file. Within fifteen days, kindly supply this information. This agency is breaking the 15 U.S.C. 1692g. They had five days to give me written notice, but I didn't. I can only validate this debt as the original creditor. I do not validate this debt. Consequently, the accounts listed below need to be removed from my report. The previously mentioned actions will be done against your firm if you do not reply satisfactorily by deleting the account above and providing a free copy of my report after the modifications have been made.

According to 15 U.S.C. 1692g validation of debt, these accounts are erroneous. My credit file has been receiving incomplete and inaccurate account information from them. Additionally, the collector violated 15 U.S. Code 1692k, Civil Liability, in their attempt to collect a debt that is not mine. 
. I am keeping a thorough record of my correspondence with you to file a complaint with the FTC if the non-compliance persists. For instance, they might be held accountable for your deliberate non-compliance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Additionally, they might be held accountable for fraudulent reporting in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX XXXX ). Laws governing credit reporting ensure that agencies report only entirely correct credit data. Every precaution must be taken to guarantee that the data supplied is wholly true and accurate. Therefore, it is necessary to reinvestigate the following information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XX/XX/year>, XXXX XXXX instructed his team of Department of government Efficiency ( DOGE ) to gain access to multiple internal stems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Closed Phone Number : XXXX Inquiries in Dispute : 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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I completed an application for a credit card. They pulled a hard inquiry on my credit report. On XX/XX/XXXX at XXXX AM they sent me a letter in my Chase mobile app requesting that I call them to verify information on the application. On XX/XX/XXXX at XXXX XXXX  they also called me to verify information on my application. I have an extended fraud alert on my credit report so I was expecting them to reach out. On the phone call the representative told that they had all the information they needed and that I would receive a decision in the mail within 10 days. I never received an approval or a declination. I havent received a single thing in the mail regarding this application.I called Chase today to check the status and they claim my application expired because I never responded to their letter. I explained that I did provide the information they needed on the phone call and I was told on a recorded line that they had everything they needed and that I would receive a decision. I believe they made an error and allowed my application to expire. Their only recommendation to me was to reapply, and there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have unauthorized inquiries that I do not recognize on my credit report. Please delete these inquiries. Thank you.

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