vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I placed an order with XXXX eats on XX/XX/XXXX. At XXXX there was a hold for {$45.00}. Then at the exact same time my account was charged {$45.00}. Then again at XXXX the same night I was charged {$45.00} by XXXX XXXXXXXX again. The first charge of {$45.00} did fall off after a few days bcs it was an authorized hold. But there are still 2 separate charges for {$45.00} that were both complete on XX/XX/XXXX. At first I believed the XXXX charge was also a hold. So I've been trying to get uber to release it for almost 2 months. However I just spent an hour on the phone with my bank and we discovered thar the name of the merchant was making it look like it was a pending hold when it wasn't. The names the 2 separate charges show up under are as follows : XXXX charge " XXXX XXXX eats pendin '' XXXX charge " XXXX XXXX eats XXXX Basically after almost 2 months of trying to get my account straight after that second charge over drew my account, that is all I have been able to accomplish. Is finding out what I thought was a hold that I couldn't get released was actually an unauthorized charge. And even though I had sent about 30 emails back and forth with XXXX XXXX  support including all the evidence of the mistake they made the only response I get is that it's just a hold contact my bank. And that I am incorrect I was only charged once. But my transaction history and my bank say otherwise. I have filed a dispute with my bank. However, even after admitting that I was double charged and I qualified for a refund, the disputes were denied. They even authorized a temporary credit to cover the negative balance caused by the unauthorized charge. But that was removed due to me not winning the dispute. I'm really not sure what to do. I can't get any help from XXXX. And when I speak to my bank they confirm there's an unauthorized charge that needs to be disputed to receive the refund. But then they denie the dispute. Can anyone please just help me get this fixed and my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

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

Despite my submissions, transunion 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, transunion, experian, and Equifax 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure transunion, experian, and Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are inaccurate : XXXX Account XXXX XXXX Account 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-02-05 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, the creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy '' and 15 USC section 604A section 2 also states " A consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Experian and Transunion are failing to remove the XXXX account XXXX from my credit report which is reporting as a repossession as XXXX has violated all UCC & Texas Laws of Repossession. This includes Texas XXXX XXXX XXXX : Requires a written notice to be sent to the retail buyer within 15 days of discovering the property, the TX Business, Commerce XXXX XXXX, TX Occupations Code XXXX and FRCA Section 605B as well. No notice of sale was sent either. Please remove account 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 2025-02-05 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: NC

Complaint narrative:
Dispute Regarding Improper Investigation of Credit Report Discrepancies I am writing to formally dispute the manner in which my previous disputes regarding inaccurate information on my credit report were investigated. I have noticed that experian and transunion failed to properly investigate the disputed items, and I believe this violates my rights under the Fair Credit Reporting Act ( FCR

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 2025-02-05 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: TX

Complaint narrative:
I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter 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 2025-02-05 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: IN

Complaint narrative:
The Are Different Accounts Under My Credit Report Accounts That Are Closed And Are Open Fraudulently And Was Reported And Were Not Removed Off Of My Credit Account And Were Not Properly Investigated And There Are Hard Inquires On My Credit Accounts Also For Cards That I Have No Knowledge Of And Have Never Opened Under My Consent Those Were Also Disputed And Werent Removed Or Properly Investigated

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
To whom it may concern : I am writing to file a complaint regarding the inadequate handling of fraudulent transactions by both Fifth Third Bank and Cash App following the theft of my car and mobile device in XXXX, North Carolina. On XXXX XXXX2024, my car and mobile device were stolen while I was at a gas station in XXXX, North Carolina. Shortly after, I discovered unauthorized transactions totaling approximately {$7000.00} through my XXXX XXXX account. I took the following immediate actions : Filed a police report documenting the theft Contacted Fifth Third Bank to report the unauthorized transactions Attempted to contact Cash App to report the fraud once I obtained a new device My primary concerns are : Regarding Cash App : Failed to provide access to a live customer service representative Did not conduct a proper investigation of the fraudulent transactions Provided no meaningful response to my fraud claim Offered no recourse for recovering my stolen funds Regarding Fifth Third Bank : Denied my fraud claim solely based on the transaction location being within the XXXX metropolitan area Failed to properly investigate the unauthorized transactions despite having a filed police report Did not consider the documented theft of my device in their investigation The banking institutions ' reasoning that the transactions occurred in the XXXX area does not constitute proper fraud investigation, especially given that I had filed a police report documenting the theft of my device. Their failure to properly investigate these clearly unauthorized transactions has resulted in a loss of {$7000.00}. I am requesting : A thorough investigation of these fraudulent transactions Reimbursement of the stolen funds Review of both institutions ' fraud investigation procedures Implementation of proper customer service channels at Cash App Documentation of the theft and unauthorized transactions is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Subject : XXXX XXXXXXXX Spring Oaks Capital LLC Unauthorized Debt Collection Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Company Complained About : Spring Oaks Capital LLC Complaint Details : I am submitting this complaint against Spring Oaks Capital LLC for attempting to collect a debt that I do not recognize and have no legal obligation to pay. I have never entered into any contract or agreement with this company, and they have failed to provide sufficient validation of the alleged debt despite multiple attempts on my part to request this information. 

I have contacted Spring Oaks Capital LLC several times, requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, they have not provided any documentation proving that I owe this debt or that they have the legal authority to collect it. Instead, they continue their collection attempts without proper verification, which is a violation of my consumer rights. 

I am requesting that the CFPB investigate Spring Oaks Capital LLC for their failure to comply with debt validation requirements and ensure that they cease all collection activities related to this unauthorized debt. Additionally, I would like all negative reporting regarding this alleged debt removed from any credit reporting agencies if applicable. 

Requested Resolution : Spring Oaks Capital LLC must provide proper validation of the debt, including original creditor details and proof of my obligation to pay. 
If they can not validate the debt, they must immediately cease all collection efforts. 
If this debt has been reported to any credit bureaus, it should be removed immediately. 
I appreciate the CFPBs assistance in resolving this matter. Please confirm receipt of this complaint and inform me of any next steps in the investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Debt Collection Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Company Complained About : XXXX XXXX XXXX XXXX Complaint Details : I am submitting this complaint against XXXX XXXX XXXX XXXX for attempting to collect a debt that I do not recognize and have no legal obligation to pay. I have never entered into any contract or agreement with this company, and they have failed to provide sufficient validation of the alleged debt despite multiple attempts on my part to request this information. 

I have contacted XXXX XXXX XXXX XXXX several times, requesting validation of the debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, they have not provided any documentation proving that I owe this debt or that they have the legal authority to collect it. Instead, they continue their collection attempts without proper verification, which is a violation of my consumer rights. 

I am requesting that the CFPB investigate XXXX XXXX XXXX XXXX for their failure to comply with debt validation requirements and ensure that they cease all collection activities related to this unauthorized debt. Additionally, I would like all negative reporting regarding this alleged debt removed from any credit reporting agencies if applicable. 

Requested Resolution : XXXX XXXX XXXX XXXX must provide proper validation of the debt, including original creditor details and proof of my obligation to pay. 
If they can not validate the debt, they must immediately cease all collection efforts. 
If this debt has been reported to any credit bureaus, it should be removed immediately. 
I appreciate the CFPBs assistance in resolving this matter. Please confirm receipt of this complaint and inform me of any next steps in the investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 am filing a complaint against transunion, experian, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transunion 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, transunion, experian, and Equifax 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure transunion, experian, and Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are inaccurate : XXXX Account XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 transunion, experian, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transunion 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, transunion, experian, and Equifax 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure transunion, experian, and Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are inaccurate : XXXX Account XXXX XXXX Account 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 2025-02-05 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-05 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: MD

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! 

"

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 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I processed a recertification of my loan IDP. This is not a first time doing this however Mohela has now made the process online. I have to file the recertification 3 separate times as recipient of my tax information was not processing through. finally they said they have the needed information. I received my new payment amount and the payment almost doubled. I figured this had to be in error as I don't make doubled since my last recertification. I called Mohela and I have been transferred 6 separate times to " advanced '' customer support services who also have no clue on this. I have asked for a breakdown of the payment assessment and a reevaluation but I just keep getting transferred around. Each transfer puts me on hold from 2 to 5 hours. I have been more than generous trying to understand this maybe and uncommon occurrence, however upon googleing this situation is see it is very common and this is normal for them. I really need assistance, I am XXXX months away from loan forgiveness with the Public Service Loan Forgiveness ( PSLF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation