vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$13000.00} is the amount that was taken from my account. I filed the report XX/XX/year>. Wells Fargo Bank stated the following day that my claim had been closed because the transactions were authorized.

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 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I am filing this complaint against US Collections West , Inc. for illegally reporting a fraudulent debt to my credit file. My identity was used without my authorization to open a lease at XXXX XXXX ( XXXX XXXX ), and I have no connection to this account. 

What They Did Wrong : 1. Fraudulent Account Reporting US Collections West , Inc. is reporting a debt under my name that I did not authorize or incur.

2. Failure to Provide Proof of Debt Ownership They have not provided a Purchase of Debt Agreement or Assignment of Debt Contract proving their legal right to collect.

3. Failure to Validate the Debt Despite my formal request under 15 U.S.C. 1692g ( FDCPA ), they have not provided : A copy of the original lease agreement with my signature.

A full breakdown of the alleged debt. 
Proof that they have authority to collect in my state. 
4. Unauthorized Credit Inquiry Under 15 U.S.C. 1681b ( FCRA ), they must have a permissible purpose to access my credit file, which they do not.

5. Ongoing Harm Their illegal actions have negatively impacted my credit, causing financial and personal damages.

Resolution Demanded : Immediate removal of this fraudulent account and all related credit inquiries. 
Written confirmation that they will cease all collection activities. 
Investigation into US Collections West , Inc. for violating federal consumer protection laws. 

I request urgent action to correct these violations and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MO

Complaint narrative:
XXXX XXXX and his company have been granted access to information related to my Parent Plus loans as well as my student loan that was not authorized by me. XXXX is part of a Department of Government Efficiency which was not a congressionally created organization. He is a private citizen that has been appointed by President Trump illegally to review information regarding student loans in an effort to find waste. I do not know what oath he or his employees took regarding the confidentiality of information contained in these data bases including my social security number, my annual earnings, etc. 

In addition to this, President Trump is moving to cut or dissolve services of the Department of Education. I am a school nurse. Withdrawal of funding for my school district could potentially leave me without a job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Dear CFPB, I am reaching out regarding my Apple Card account with Goldman Sachs Bank. I previously attempted to negotiate a payment arrangement due to financial hardship, XXXX, and now a XXXX XXXX. However, I never received a response from the bank. 

Upon reviewing my credit report, I recently noticed that the account has been charged off in the amount of {$2700.00} and is still labeled as past due as of XX/XX/year>. Despite this, I have yet to receive a XXXX form. 

I would appreciate any assistance in addressing this matter. 

Thank you for your time and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ct, XXXX XXXX ( XXXX ) XXXX2025 Eastern Account system in XXXX XXXX XXXX XXXX, CT, XXXX Account Number XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining.

A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract.

Proof of your legal right to collect including a complete chain of title from the original creditor to your agency.

Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off.

Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law.

If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ).

Please respond to this request within 30 days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights.

I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Never got my check that you send out yet my new address is XXXX XXXX XXXX XXXX XXXX California

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S Code 1681e ( b ) Accuracy of report. whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S Code 1681 i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) 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, i ) promptly delete that item or information from the file of the consumer, or modify that item or information, as appropriate, based on the results of the investigation ; and ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts on my report, they are hurting my ability to obtain credit. 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 2025-03-15 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: OH

Complaint narrative:
I am writing to formally notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ) and to demand immediate correction of my credit file. Despite my previous dispute regarding fraudulent accounts, names, and addresses, you have refused to remove inaccurate and unverifiable information, which is a direct violation of my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Investigate and Remove Inaccuracies ( 15 U.S.C. 1681i ) The FCRA requires credit bureaus to investigate and remove fraudulent or inaccurate information within 30 days of a dispute. You have failed to do so.

Failure to Correct or Delete Unverifiable Information ( 15 U.S.C. 1681c ) Any information that can not be verified must be deleted from my credit report. Retaining fraudulent data in my file violates this requirement. 
Failure to Provide a Fair and Accurate Credit Report ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to ensure that the information they report is complete, accurate, and up-to-date. Your failure to remove false data has harmed my creditworthiness.

Failure to Provide Documentation ( 15 U.S.C. 1681g ) Upon my request, you are legally required to provide information regarding how disputed accounts were verified. If you can not prove the legitimacy of the disputed accounts, they must be deleted.

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 2025-03-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES 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 explanation
Consumer complaint received 2025-03-15 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX  the XXXX of XX/XX/year>, I pulled my credit report and found XXXX accounts that I had XXXX knowledge of or access to. Upon further investigation I found out the XXXX XXXX and XXXX XXXX XXXX been opened by my mother XXXX XXXX XXXX and the XXXX XXXX, phone number, and email address ( XXXX ) are hers, not mine. The XXXX XXXX also had her name as an authorized user. We share an address, however, I have no access to the mailbox, as she has the key. I confronted my mother about said accounts, and she admitted to opening these accounts without my knowledge or permission. Both these accounts were opened under my social security number, name, and date of birth without my permission, and the rest of the information as well as payments under them were all regarding her, XXXX XXXX. She also falsely added me as an authorized user on a XXXX XXXX account without my knowledge or permission, which showed up on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They continuously send me emails offering me XXXXXXXX XXXX  bonus for opening a checking account. I tried on XXXX different occasions to open the accounts and both times I was told that I couldn't have an account opened for me and these caused hard inquires on my credit report. I still receive email offers to this day.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining. 
A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract. 
Proof of your legal right to collect including a complete chain of title from the original creditor to your agency. 
Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off. 
Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law. 
If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ). 
Please respond to this request within XXXX  days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my XXXX XXXX XXXX XXXX for violations of my consumer rights. 
I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, Bank of America notified me of suspect transactions on my XXXX  card. I confirmed that they appear to be fraudulent as I am not familiar with the vendor or the purchases. They proceeded to restrict my card and issue a new while, while I processed a claim against the transactions. On XX/XX/year> they sent me a letter notifying me that my claim is denied, and returned the charges back to my account. 

I am requesting that the CFPB intervene and compel the Bank of America to comply with their obligation to protect cardholders from fraudulent transactions.

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 monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I am writing to formally request the forgiveness of my student loan due to a breach of my personal privacy involving XXXX XXXX and the Doge team, which resulted in the compromise of my private information.

This breach has significantly affected my ability to manage my student loans, creating an unfair and detrimental situation. In light of these circumstances, I am seeking student loan forgiveness as a means of remedy. 

I kindly ask that you review my case and guide me on any additional steps I should take. Thank you for your time and assistance in addressing this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
Subject : Formal Debt Validation Request Pursuant to Federal and Michigan Law Dear [ Debt Collectors Name ], I am writing to formally request validation of the alleged debt referenced in your recent communication, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.252.

Under the FDCPA, you are required to provide verification of the debt, including the amount owed and the name of the original creditor. Similarly, the MCPA prohibits certain practices by collection agencies, including making misleading or deceptive statements in communications with debtors.

legislature.mi.gov Please provide the following information : Validation of the Debt : Documentation verifying the amount of the debt and the name of the original creditor, as required by 15 U.S.C. 1692g.

Legal Authority : Proof that your agency is licensed and authorized to collect debts in the State of Michigan, in compliance with MCL 445.252.

Itemized Accounting : An itemized statement detailing the original amount of the debt, any interest, fees, or charges added, and the dates these were incurred.

Chain of Custody : Documentation evidencing the transfer or assignment of the debt from the original creditor to your agency. 
Furthermore, I wish to bring to your attention recent legislative developments in Michigan that impact debt collection practices. Senate Bill 408, passed on XX/XX/2024, revises procedures for the collection of judgments, including updates to garnishment exemption categories and amounts. 
senatedems.com Compliance with these updated provisions is mandatory. 

Pending receipt of the requested documentation, I respectfully request that you cease all collection activities related to this alleged debt, including reporting it to credit bureaus, as mandated by 15 U.S.C. 1692g ( b ). Failure to comply may result in me exercising my rights under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney General 's Office. 
Please provide the requested information within 30 days of receiving this letter. All future communications should be in writing and sent to the address provided above. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: AR

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: GA

Complaint narrative:
XXXX XXXX is reporting an account incorrectly. WC/Koalafi account number XXXX is missing information from the reporting. This account should be included in my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
there is a fraudulent Account on my credit report in the name of Bank of America this is a unauthorized account and was opened without my consent

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