vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: Bounce AI, Inc.
State: NJ

Complaint narrative:
Subject : **Request for Removal of Collection Accounts from Credit Report** Dear Sir/Madam, I am writing to formally dispute the accuracy of the collection accounts listed on my credit report. I believe these accounts are inaccurate or incomplete and are negatively affecting my credit score. The specific accounts in question are as follows : 1. **Creditor Name : ** [ XXXX XXXX XXXXAccount Number : ** [ XXXX ] **Collection Agency : ** [ Bounce AI ] **Date of Collection : ** [ XX/XX/year> ] I request that you investigate this matter and remove the collection accounts from my credit report if they can not be verified or if they are found to be inaccurate. According to the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported on my credit report is accurate and substantiated. 

If the collections were reported due to fraud, identity theft, or any other inaccuracies, I kindly ask for the immediate removal of the entries from my credit file. I am also requesting that any verification requests to the original creditor or collection agency be made in writing, and that a copy of the results be provided to me upon completion. 

In accordance with the FCRA, I expect a response within 30 days from the date of this letter. Please provide me with written confirmation of the removal of the disputed accounts, or, if the dispute is not resolved in my favor, please provide the documentation and evidence that validates these accounts ' accuracy. 

Thank you for your prompt attention to this matter. Should you require any additional information or documentation from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I took out a {$2000.00} loan from OppLoans to cover overdue HOA payments, as HOA rates across Florida had more than doubled, leaving me in a desperate situation to prevent foreclosure on my home. While I have consistently made payments on the loan, the termsessentially resembling those of a payday loanhave created a financial trap with no end in sight. 

The interest rate on this loan is an astronomical 178.51 %, resulting in {$1600.00} in finance charges and interest. This excessive rate has made repayment unsustainable and feels grossly unfair, especially since I have already paid back the {$2000.00} principal. Asking me to pay nearly {$2000.00} in additional charges is unreasonable and appears to be predatory and exploitative. 

I urgently need help to address this situation. I believe OppLoans practices may violate fair lending laws, and I am seeking options to challenge these excessive charges, whether through negotiation, legal recourse, or regulatory intervention. This loan has become a significant financial burden that far exceeds what is reasonable or ethical, and I need assistance to resolve this injustice fairly and equitably.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below has violated me federally protective consumer rights, rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX XXXX Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who

m the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 i 5 They are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the
investigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are supposed to no furnish any information relating to the consumer to any consumer reporting agency if the person knows

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 2025-01-11 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXXXXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Collection Activities Account Number : XXXX To Whom It May Concern : I am writing to formally request that you cease all collection activities regarding the above-referenced account, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 



This letter serves as notice that I do not wish to be contacted further regarding this matter, except for written communication confirming the cessation of collection activities or advising me of any specific legal actions you may pursue. 



Please be aware that failure to comply with this request may constitute a violation of the FDCPA. 



Additionally, I dispute the validity of this debt as listed on my credit report, as the information appears inaccurate. Please remove any incorrect or unverifiable information related to this account. If you believe the debt is valid, please provide written validation of the debt as required under the FDCPA. 



Any further attempts to contact me, including phone calls, emails, or other forms of communication, will be considered harassment and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney generals office. 



Thank you for your prompt attention to this matter. 



Sincerely, Name : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MI

Complaint narrative:
Attended XXXX in XXXX PA in XXXX. A XXXX XXXX during my time there. Before signing up I was told they would make a resume for me and get me a job lined up after graduation. None of that was true. Graduated and never heard from them again. They lied multiple times about employers looking for graduates of XXXX  and how much money we'd be making right out of school. Fast forward multiple years, XXXX XXXX gets in trouble for predatory loans and embellished employment numbers. The Feds have relieved my federal loans but the private loans are still there. These should be canceled as well, its the same school and same predatory loans. My servicer, XXXX/mohela now has done nothing to help me get this situated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied for a loan and then the next day fraudlent checks were deposited into my account 3 days in a row. When I noticed this on the second I called the bank to tell them it wasn't mine. Then I saw XXXX  deductions that wasn't mine. I called the bank on the third day and asked them to block anything from going in and out of my account because I didn ; t want any more checks deposited into my account. I asked them where the checks were comeing from, they wouldn't give me a clear answer just that they were done electronically. By the way I did lose my phone on Sat while in NJ on XXXX. that could have cause the XXXX XXXX  stuff idk. But I have been talking to Wells Fargo Fraud, Dept, Lost prevention, Checks dept and others I can't rember. I have been calling everyday a few times a day. They told me that I would receive my funds in 2 days but its now Saturday and I still don't have any money. I even borrowed {$1500.00} from my boss to pay my bills until my funds were released. But when I deposited it they wouldn't let me use that money either. I can't pay XXXX bills and now my rent and car payment has late fees. I'm about to lose my auto insurance. I just need my money. I am the one who requested the block on my account. Oh and they also told me that my account is set to close on XX/XX/XXXX. I went to the bank on XX/XX/XXXX to close my account myself and retrieve my money. But they are just holding my money hostage. I need my money. How can I go all month with No money and no bills paid. I been with Wells Fargo about 15 years and this is the XXXX or XXXX time I had fraudlent activity. Last yearor the year before I found out that someone opened another account in my name, but used a different address, social, dob phone number, etc. How could they not know ithat was not me? None of my info matched except my name. They told me that my information is secure and they will take care of it. but obviously not becaus now this happened.Please help me get my money out of my accounts and close my checking and savings accounts. 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 explanation
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year>XXXX  XXXX : XXXX XXXX XXXX, XXXX, GA XXXX RE XXXX Unauthorized Collection The purpose of my letter is to dispute the following collection that is wrong and unauthorized. Please remove it from my XXXX credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


Original Creditor- Comenity Capital Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Total- {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive disputed multiple XXXX XXXX accounts with experian after XXXX  XXXX put a bunch of stuff on my report from cards I never had possession of even after providing proof I didnt have any cards and that XXXX XXXX admitted to never sending me anything experian investigated for all of 12 hours and said yep this is your debt

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 2025-01-11 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
In XXXX XXXX  I discovered and promptly reported several unauthorized transactions to the company, which were all with the same merchant ( XXXX ). The company properly handled the disputes on those transactions and promptly issued credit back to my account. At the time, I did not know how those transactions were able to occur, however I have since learned more details and now believe I understand what happened. What Ive learned is that earlier this year someone stolen an old XXXX I had sent back to XXXX as part of a warranty exchange. This happened while the device was being handled by XXXX. Whoever stole that device was able to gain access to it and has been able to charge transactions with the merchant to my account with the company, including some that have and continue to happen after I reported the initial transactions to the company. 

After learning this, I discovered there were additional unauthorized transactions with the merchant charged to my account with the company, so I also reported them as fraudulent. What Ive learned is that this new batch of transactions is the merchants attempt to rebill me for the transactions I reported back in XXXX. At the time that I reported those transactions, the company assured me that they had deactivated my debit card which would stop any further transactions from happening. Unfortunately that is not true, as transactions continue to be processed by the merchant up to and including today. So the first issue that needs to be resolved, is that the company needs to STOP allowing this merchant to continue to re-charge me for those unauthorized transactions. 

The second issue is that the company has denied the disputes on the second set of transactions. In their denial, they claim that the transactions are in line my my purchase history with the merchant, however the purchase history they referred to is the previously disputed transactions, which the company found in my favor for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive been asking for an update for my score for years and yet they will not change my score after all of the identity theft items are gone and theres only one card on my credit and my score is still XXXX its disgusting my score will not change and its stopping me from getting approved for anything

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 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: GA

Complaint narrative:
I applied for a loan in XXXX of {$1200.00} and have since paid of the loan amount and the interest and as the corespondence with the organization as of XX/XX/year> the amounts left that I have to repay is {$1300.00} which is more than the loan itself. I have paid nearly {$2000.00} already which is more than 800 % percentage rate more than the original loan amount. I emailed them about a resolution and was essentially told that the State Laws and guidelines don't apply to them and that I still have to pay the interest off. This is a unfair business practice and should be halted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Recently, I tried to gain access to my account. However, when I input my details, I received an error message stating that my email or password is incorrect. I subsequently tried to reset my password, but no texts or emails came through to me. When I tried to contact the company they denied that I ever had an account with them. I sent a statement, showing with records of the payments that I had made to them, and evidence of transactions I had made, but they still stated that they still could not find any account associated with my email address and am very worried about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was unable to log into my Capital One account, so I called customer service and was contacted information about unknown number, ( XXXX ) XXXX, and an email address, XXXX being on my account. I immediately informed them that this was not me, and this is the third time my account has been compromised. Previous fraudulent attempts included applications for Kohls, XXXX, and XXXX accounts. Later, I received a package and called XXXX to inquire about it. They confirmed that the number and email address associated with the order were the same as the one from capital one, so I reported it as fraud to XXXX. Then, my friend called the number and a woman who spoke XXXX with a XXXX accent answered. She only said a few words before hanging up, explaining she was getting into an elevator. My friend conducted further research on the email and phone number and discovered that the phone number is linked to a XXXX account. I contacted XXXX to ask about the email address and they asked if I wanted to gain access to the email account that had been fraudulently opened with all of my personal information. I said yes. XXXX quickly provided access, and I found that a Kohl 's order confirmation had been forwarded to XXXX. The pickup location for the order was listed as Kohls, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The pick up person was XXXX XXXX XXXX. Next, I looked up the XXXX  delivery address, which was XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, FL XXXX and phone number XXXX. Upon XXXX  the address, I found it was associated with an XXXX account called XXXX, which appears to be a parcel forward company operating for the XXXX XXXX and contact information is XXXX.

Company response to consumer: Closed with non-monetary relief