vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to dispute an account that just popped up on my credit report first without my permission secondly I have no knowledge of this company I never received any thing from this company so basically they are buying my information which is a violation of my consumer rights. Ive asked them to deleted this because I have no knowledge of this company nor have I done any business with with Ive ask them to ask the company for the SALE DATA FILE which I am quite sure they cant provide but somehow the information is coming back verified with no proof on how. I NEED THIS REMOVE AND REMOVED NOW my rights have been violated according to 15 U.S.C. 1692c and as well as 15 U.S.C 1681i I need this and others removed off my account if they are under dispute and is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Charge Off XXXX XXXX {$9800.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$9000.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$5800.00} Date Open : XX/XX/XXXX Repossession XXXX  XXXX {$12000.00} Date Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Inaccurate Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Charge Off XXXX XXXX {$9800.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Open : XX/XX/XXXX Collection XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$9000.00} Date Open : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$5800.00} Date Open : XX/XX/XXXX Repossession XXXX  XXXX {$12000.00} Date Open : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my XXXX transactions are falsely accused of being reported as fraud. 

I asked for statements from family/friends to show that its not true and they never reported anything as fraud. 
They asked me why my grandmother XXXX XXXX sent me money {$250.00} XX/XX/XXXX for XXXX. 
They asked me why my friend XXXX XXXX sent me money XX/XX/XXXX {$250.00} i work at XXXX XXXX retail store and receive discounts on store items. I was asked to purchase some items so the money was sent to me via XXXX. I have the receipt proof and a statement from XXXX XXXX as well. This is a hardship on me. I'm a college student and work part time. This is will delay my pay i receicve from my school and jobs and money i ask for from my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing this complaint against XXXX Bank due to their wrongful handling of fraudulent transactions on my checking account. Despite providing clear evidence that I was a victim of fraud, the bank refused to reverse the charges, leaving me with an overdraft of nearly {$4000.00} and additional charges due to altered/fictitious items. I believe XXXX failed in their duty to protect consumers from fraud and wrongfully placed financial responsibility on me instead of investigating properly. 

What Happened? 
Fraudulent Transactions : On Monday XX/XX/year>, I was contacted by scammers who manipulated me into transferring funds via XXXX XXXX and purchasing prepaid debit cards. 
I realized I was scammed and immediately reported the fraudulent activity to XXXX Bank. 
XXXX Response : Instead of assisting me, XXXX conducted an investigation and determined that no error occurred, despite clear evidence that I was a fraud victim. 
They issued a letter on XX/XX/year>, confirming my claim was denied, holding me responsible for {$4000.00}. 
XXXX also charged my account for Altered/Fictitious Items ( per documents I received ), including a returned deposit fee of {$2400.00} and another set of fictitious check charges. 
These charges resulted in my account being overdrawn by nearly {$4000.00}. 
Why This Is Wrong : XXXX identified these transactions as Altered/Fictitious Items but still placed the burden on me rather than protecting my account. 
They failed to recognize that fraud victims can be manipulated into sending money and used my willing participation against me instead of acknowledging that I was deceived. 
They refused to reverse the fraudulent transactions and overdraft fees, forcing me to come out of pocket to cover a scam I was a victim of.Customer service representatives dismissed my concerns, providing little assistance and treating my case as if I was responsible for my own fraud victimization.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My financial and personal information was violated. XXXX was established to protect me from third-party vendors. Since the breach, Ive been receiving calls and texts at an alarming rate about loans I did not sign up for. 

XXXX disappointed and seeking support to have my information removed, as well as to have my student loans canceled with Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MI

Complaint narrative:
Trying to collect {$610.00} for XXXX XXXX  XXXX XXXX. 
I reside in XXXX XXXX still. I do not owe any debt. 
XXXX XXXX sold the property. 
Information given to me on how to contact Creditor is address and phone number associated with the park. 
Phone number given is no longer a working number. 
I sent proof of my balance owed to them also stating I dont owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under XXXX XXXXXXXX XXXX XXXX ( Civil Liability for Willful Noncompliance ), XXXX XXXX XXXX  XXXX ( Civil Liability for Negligent Noncompliance ), and XXXX XXXX XXXX XXXXXXXX ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA XXXX XXXX. XXXX ( XXXX ). 
Properly correct billing errors as per TILA, XXXX XXXX XXXX XXXX ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA XXXX XXXX due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I submitted a PSLF reconsideration request to XXXX XXXX. I submitted several XXXX employment forms which indicated that I had 123 months of public service employment. I was told that previously had 114 qualifying payments. Now I am being told that because of court injunction my qualifying payments are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I ( XXXX XXXX ) Signed a check over to my boss ( XXXX XXXX ) in the ammount of {$5000.00}. 
She deposited this check to her account. 
Located at Citizens Bank. XXXX XXXX XXXX XXXX XXXX XXXX Massachusetts. 

on XX/XX/XXXX the check cleared the account of XXXX and XXXX XXXX in XXXX iowa. 

confirmed with citizens and XXXX XXXX XXXX XXXX. 

The ammount just sat pending to enter her account and they kept updating its availability date. 

The Bank Flagged it for suspicion of fraud. 
and never notified her. Despite us reaching out for months and asking why the balance was pending so long. ( In the emantime XXXX XXXX  XXXX spent over {$39000.00} more on my inventory which i made a bank account for and receieved with no issue. so its on not them as confirmed by them and their bank. 

Citizens bank never filed an SAR ( Suspicious activity report ) They never had an investigator reach out. They never made a portion of the funds Available.

we had to physically go to citizens bank ( XXXX and I ) to question where this money was. They had no answer claiming the check had been sent back on XX/XX/XXXX. To which i explained i had conversed with XXXX XXXX XXXX XXXX  and the funds were never receieved back. 

At this point i called the police to the bank ( Twice for 2 days in a row for theft of my money. 

Resulting in the citizens bank employee telling me to come back thursday and speak to the manager.

I waited the few days and entered the bank. the manager stone walled me. Offered no info and told me i needed XXXX there. so I left. 

XXXX and I returned together and the manager presented me with a no trespass form. 
her reasoning was that i tried to access XXXX account info without her there. 
so i waited outside was served by an officer and left. 

XXXX then came and gave me a paper saying the funds would be returned in several days. 
that i needed to wait. 

after another week of eaiting and hearing nothing we contacted citizens bank again.. 

getting in touch with XXXX at customer care. 

XXXX claimed that I Needed to co tact XXXXXXXX XXXX  and get him to cancel the check. 

I explained the chrck had already cleared XXXXXXXX XXXX and citizens had the money so he couldnt do that. She argued with me i needed to do that. 

I explained im not a citizens employee 10 times over before finally fetting her to 3 way call XXXX in Iowa who went to his bank and had His bank ( XXXX XXXXXXXX XXXX XXXXXXXX Iowa ) Who told XXXX from citizens bank on the phone with me, XXXX, XXXX, and his bank listening that they never receieved this money back. 

XXXX is now over a week into looking for my lost money and dragging her heels im 93 days without this money and no one at citizens will give me someone over madelines heads number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
i pulled my credit report and noticed i have a collection account included on my credit, i have never been lived there, i was to leasing office and they could testify that account is not mine, i have never lived there, i was with police officer and made the report, i am in the process of buy a house and this is affecting my score, i need that fraudulent account to me removed of my credit report. is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
This company has been repeatedly calling my family, friends, workplace, and my husband 's family looking for me. I have already tried working through this with them and even set up a payment plan, but the harassing of my loved ones and my employer discourages me from even calling them back at this point. This has caused major distress to myself, everyone around me, and is threatening my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/year> Dear Sir/Madam, I am writing to file a formal complaint against JPMorgan Chase Bank , N.A . regarding the mishandling of a payment I made toward my credit card balance. Despite providing clear evidence that the payment was sent and delivered, the funds have not been properly applied to my account, and I am being unfairly penalized. 

Details of the Complaint : Date of payment : XX/XX/year> Payment amount : {$1000.00} Trace number for payment : XXXX Chases response : Chase has claimed that there was an insufficient balance during multiple attempts to withdraw the payment. These attempts were unsuccessful, and Chase now suggests that I made multiple payments of {$1000.00}. 


What I Believe Happened : I believe the issue stems from a glitch in Chases system. After the first payment was processed, there wasnt enough money in my account for a second attempt because the initial {$1000.00} had already been withdrawn. However, it seems that Chases system mistakenly thought a second attempt was made, causing them to lose track of the fact that the initial {$1000.00} had already been processed. As a result, their records now show no payment was made at all, despite the trace number and screenshots from my XXXX XXXX checking account that show the payment left my account. 

Current Status : My checking account is missing {$1000.00}, and Chase still claims I owe the same amount on my credit card. This leaves me in a situation where I am out {$2100.00} with no clear resolution. 


Damages Incurred : I have spent 12 hours investigating and trying to resolve this issue, including phone calls and emails to both XXXX XXXX and Chase Bank. 

I have been dealing with this issue for over two weeks, causing significant stress and XXXX. 

I am facing potential late fees or a negative impact on my credit score due to Chases mishandling of the payment. 

Thank you for your prompt attention to this issue. If you need any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation