vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
I filed an earlier complaint today regarding XXXX XXXX XXXX XXXX In that complaint, the debt collector contacted my elderly parents, uncle and aunt that have nothing to do with the matter. 

When I called the number left by XXXX in the voice message that is attached to that complaint, no one answered and the recording stated that the company 's name is Mediation Account Services. I only have one company contacting me about a debt and that is Crown Asset Management. I have asked them several times to stop contacting me regarding my alleged debt with them. I have also request that Crown provide me with a clear chain of title for my debt which they have been unable to do. Crown keeps hiring third-party debt collectors to contact me and therefore, circumventing my original request to not be contacted. They have previously used XXXX XXXX and XXXX XXXX. Now, it is XXXX and XXXX XXXX XXXX. I think Crown is using this debt collector to shame me into paying a debt that has no clear chain of title by contacting several of my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hauge Associates, Inc.
State: TX

Complaint narrative:
Huage associates I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding unauthorized and inaccurate negative items currently appearing on my credit report. These matters remain unresolved, and I am compelled to reaffirm my position and my rights under federal law.

Under 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are legally obligated to protect the confidentiality and security of consumers ' nonpublic personal information. The continued reporting or dissemination of such informationabsent my explicit consent or a permissible purposeconstitutes a violation of this federal statute.

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 2025-05-13 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding unauthorized and inaccurate negative items currently appearing on my credit report. These matters remain unresolved, and I am compelled to reaffirm my position and my rights under federal law.

Under 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are legally obligated to protect the confidentiality and security of consumers ' nonpublic personal information. The continued reporting or dissemination of such informationabsent my explicit consent or a permissible purposeconstitutes a violation of this federal statute.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OH

Complaint narrative:
To whom it may concern This complaint is about federal student loan programs. I have tried to submit a complaint on the portal for several weeks but I keep getting the same notification below. I have paid my federal student loans for XXXX plus years. My original federal student loan amount was $ XXXX. I have paid $ XXXX. I owe $ XXXX in student loans after 20 years of payments. If this is true, the agreement that I signed has terrible terms and conditions and I was taken advantage of. My loans have changed from XXXX XXXX, to XXXX and now Mohela. I don't understand how I have paid $ XXXX in student loans but I still owe $ XXXX and these are federal student loans. I agreed to these loans because I could not afford college. I grew up in poverty and earning a degree was an option for me to get a good job and better myself and family. I need this to be investigated. On top of all this, the college that I graduated from ( XXXX  XXXX XXXX  ) went bankrupt and closed their door. Uploaded is my transaction history. I am asking for any help that I can get. I am available to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to dispute a charge of {$2000.00} to my credit card account on XX/XX/year>. The charge is in error because I did not make that purchase. The company alleges that the charges were made in XXXX. I have never been to XXXX, nor have I ever made any purchases from there. 

I had noticed a different fraudulent charge on this card earlier in the month, and customer service recommended I freeze the card. They told me to wait until the statement was posted to dispute that charge. I was traveling to the XXXX XXXX and arrived on XX/XX/year>. I unfroze the card so I could purchase train tickets at the airport. I chose to use this credit card because there were no foreign transaction fees. I unfroze the account, and immediately received a text message from Discover asking me if I had made the above purchase. I replied " no '' to the text message and followed all steps emailed to me to report the charge as fraudulent. I have a record of receiving the text message at XXXX am PST on XX/XX/year>. In XXXX, that was XXXX pm XXXX. I landed about an hour before I unfroze the account as it took me an hour to get my luggage and go through customs before I needed to purchase the train tickets. 

The company has told me over the phone that they have determined that I falsely reported the charges as fraudulent. They claim that my physical card was used to make the payment, but they have yet to provide any proof to me of this claim. They say that since I had the card in my possession on that date and time, and the physical card was used, then I must have been in XXXX. I have never been there in my life, I have never purchased anything from there. I also made a number of purchases on this card in GBP in anticipation of going to the XXXX XXXX. These were for tourist sites around the country, and they have a record of these. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
XX/XX/year> credit collections added a {$56.00} collection to my credit reports on behalf of XXXX XXXX. on XX/XX/year> i contacted credit collections XXXX requesting an itemized bill of this alleged debt the customer service rep said she will reach out to the origianal debtor and request an itemized bill. it has been over 30 days and i still have not received that itemized bill furthermore, i have never done any business with this insurance company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
Leafy Financial LLC. I am unaware of this dept and did not have the opportunity to dispute this account. If you believe you send proper notification. Please provide by certified mail, with receipt displaying my signature, if not, please delete this account as soon as possible, or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This incident happened on XX/XX/XXXX. I was a victim of extortion. I called chase asking about this problem. They gave me a refund for a total of {$1200.00}. Then on XX/XX/XXXX, I was deducted again {$1200.00}. I contacted chase again, but they said I needed proof. I submitted the proof which was about a conversation about me getting pressured into sending money. Chase was not being cooperative at all. After sending the proof, it took them nearly 10 days to even receive it which was why I contacted chase today. They claimed that they can not help dispute the money and said I should call XXXX XXXX ( which is where I sent the money ). I called cash app about this problem and they also said they couldn't help dispute it since it was bitcoin. I called chase again, and they said that XXXX XXXX provided documents to them saying that I was benefitted from the money ( which I clearly did not ). This is like the XXXX time I have to tell Chase that I was a victim on extortion and it seemed like they didn't care. Under Regulation E, I have the right to know and to receive the money back. I've already submitted documents of proof that in no case I was benefitted from the money and I was clearly being pressured. Chase didn't seem to care enough and they closed the case, claiming that I was the one who authorized the transaction so its not a fraud. I couldn't believe Chase would do that. 

Ive now been bounced between Chase and Cash App, with neither taking responsibility. Chase closed my dispute, claiming that since I authorized the transaction, it doesnt qualify as fraudcompletely ignoring the fact that I was coerced, which still qualifies as unauthorized under Regulation E. 

I am requesting the CFPB to investigate this claim, as I have done everything in my power to provide proof, communicate clearly, and follow the process. I simply want my money returned and to be treated fairly as a victim of financial coercion and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 

XXXX XXXX * * * * * * * * * * * {$14000.00}

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 explanation
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 

XXXX XXXX * * * * * * * * * * * {$14000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my consent, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Education Rights and Privacy Act ( FERPA ), my student records disclosed without my permission, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1974. My personal and financial information was improperly accessed and shared without my consent violating my privacy rights under federal law. Violation of the Higher Education Act. As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates failure to uphold these legal protections. The Federal agencies responsible for safeguarding my data failed to do so, putting my financial security at risk, and disclosed my information to third parties without my consent XXXX XXXX : XXXX XXXX XXXX number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-13 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: GA

Complaint narrative:
Accounts that dont belong to me are reporting on my credit report. Please see attachments.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-13 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 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: OR

Complaint narrative:
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 XXXX 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 XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 you because my social security number was used fraudulently to open accounts. I believe I am a victim of XXXX XXXX due to the Equifax XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. Identity Theft XXXX  Account Number : XXXX * * * * This is not mine. I am a victim of XXXX XXXX and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of XXXX XXXX and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of XXXX XXXX and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of XXXX XXXXt and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of XXXX XXXX and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of XXXX XXXX and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of XXXX XXXX and I have included a FTC Report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation