vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello, my wife is now an XXXX CITIZEN. The bank had on their records that she was a XXXX XXXX XXXX XXXX XXXX XXXX We never received any information that the account would be closed if we didnt provide proof of her legal status. They froze our account and its now been XXXX week and the accounts are still frozen. Checking and saving. 
We have provided her XXXX certificate of naturalization but they still haven unfrozen our accounts. This is Wells Fargo bank.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/year> To Whom It May Concern, I am filing a formal complaint regarding the handling of a charged-off account with CashNetUSA related to account number XXXX. The creditor reported this account as charged off but I have not received a 1099-C ( Cancellation of Debt ) as required by the IRS for debts of {$600.00} or more.

Under IRS regulations, a creditor is required to issue a 1099-C when they cancel or discharge a debt of {$600.00} or more. Since the account was reported as charged off, the creditor appears to have treated the debt as canceled or forgiven. Therefore, I am requesting the following actions : 1.Confirm whether the debt has been canceled or forgiven.

2.If the debt was canceled, provide the required 1099-C form.

3.If the debt was not canceled, clarify why the account was reported as charged off and provide supporting documentation.

Failure to issue a 1099-C under these circumstances constitutes non-compliance with IRS regulations . I am requesting that the CFPB investigate this matter and ensure that the creditor follows the proper legal procedures.

Thank you for your time and assistance. I look forward to a resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: KY

Complaint narrative:
It shows on my credit report Jefferson capital XXXX but I never opened a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
XXXX ( the solar rep ) stated he work for XXXX and he could get us a program for solar panels. He stated it was not going to be more than {$50000.00}, then he over sold the panels and placed XXXX when we only needed XXXX panels. He had wrong information on the account and said it was ok and to sign. I was not comfortable but he pressured me. I had a co-signer but since he is in the military, ( XXXX XXXX ) was not able to review the documents on my behalf due to XXXX. I do not have a working solar panel, they are not active and not on. They are over charging me an have loan of {$92000.00} ( not including interest ). Also they did the whole planning incorrect and damaged the ceiling in my home. Now the Good leap is charging me with no working panels, they damaged my property and charging me & XXXX additional for their mistake. The roof should have only be about XXXX and are over charging me about XXXX. I am so frustrated because they stated " your credit is going to get ruin and you have to pay even though you have no working panels. ) it is on you. '' unprofessional. I want to void the contract that they lied about. I have photos and proof ( via text docs ) showing the damages inside my home that company caused. They damaged my property the walls with paint and damaged mattresses. The stress they have caused. No one wants to adjust and void the contract. I even stated please void the contract. takes your panels and i will take the damages Good leap caused. 
I really want to report the rep that came to my house stating he work for XXXX. 
Its been 3 years and they will not help and i am XXXX XXXX XXXX and they took advantage of my age, eyesight, and being a widowed. 
I need to void this contract and have them come pick up their stuff without damaging my property again. If you need photos and proof i will provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
When I try to call them, there is a recorded message that all agents are assisting others at this time and unable to take your call please call back later. 

When I try to schedule a call online, there is a message that states there are no appointments available at this time try back later. 

If I can not get in touch with them how can i resolve my issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I sent this company several letters asking them to investigate my disputes. And to send me validation of the debt. They keep sending my letters back and not investigating my disputes. This account is reporting as verified and accurate but How? The address I sent the letters to is the address that is listed on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I'm XXXX back in XXXX I did open a target card to buy my XXXX granddaughters school clothes. I made regular payments never missed a payment. I had paid off the XXXX card and was done. Then in XXXX I came home from the hospital and found this brown envelope taped to my door. I opened it and the only thing in the envelope was a summons to go to court from TD Bank. I had no idea who that was? My daughter helped me look up the summons and what it was for. The process server turned in that he had served me personally under oath and described me all wrong. I did go to court to find out what this was about? TD BANK. When I showed the judge the description of me she had no choice but to dismiss. But TD Bank could serve me again for the XXXX dols they say I owe Them. I waited and waited to get served again and asked TD bank to send me proof I owed XXXX dollars for a Target card I open in XXXX. TD bank had charged off The attorneys who were suing me had charged off the XXXX dollars without notifying me first. I asked for proof they notified me and proof I owed the XXXX dollars never did show proof. So a little over a year later The attorney 's Sent a process out again and again I was home the lady handed the maintenance man my court summons and told him she knew I was in the apartment and seen my car and handed him my papers Again swearing under oath she served me personally. Again I went to court very ill with XXXX trouble for the XXXX dols they say I owed. This nobody showed up for Target or TD bank or the attorney 's. I asked the judge to dismiss the case because twice they lied under oath that they served me. Gave no proof of anything of the XXXX they said I owed. Me and my daughter are trying to buy a home for me and the grand daughters. But I keep getting turned down because of the XXXX dollars they say I owe with no proof. I'm XXXX will be XXXX and since had XXXX XXXX. I need this off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX, XXXX XXXX - Date of Inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I received a call apparently from Affirm, to approve or decline a loan that was being requested under my credit, I declined and entered a code on the phone to decline the loan from going through, but after the call I received an email that the loan had gone through. Affirm is saying I am responsible for this loan, but I did not approve the loan. this got approved through Affirm, but the merchant is XXXX the loan amount is for {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: Experian Information Solutions Inc.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am formally disputing the inaccurate inclusion of a bankruptcy on my credit report. I have official documentation from the court that clearly states this bankruptcy should not have been reported to your agency. Despite this confirmation, the bankruptcy remains on my credit file, which is both misleading and unjust. The presence of this incorrect information has the potential to negatively impact my financial standing, and it is crucial that this matter be addressed immediately. 

Additionally, I am deeply concerned about the involvement of an unauthorized third party in this situation. This raises serious questions about the integrity and accuracy of the reporting process, making it even more critical that this issue is investigated and resolved without delay. The presence of unauthorized involvement only amplifies my concerns regarding the security and reliability of my credit file.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I have been having extreme difficulty creating an online access account. They tell me that someone else is using MY email address XXXX so they then tell me I need to give them a different email address, which I do. I then have to send them instructions via email to XXXX to change my email on file, along with photo of my ID and a copy of a bill. I do this, they email back and confirm it will be done within XXXX hours. XXXX weeks now and no resolution. I contacted a supervisor named XXXX and he is supposed to help and gave me a case number XXXX. However given the previous lack of follow up and execution, I have my doubts. Also, I tried doing this one other several months ago and it didnt work then either. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Harris & Harris, Ltd.
State: IL

Complaint narrative:
To Whom it may concern, I am writing to dispute a fraudulent account/charge that has appeared on my [ account type, e.g., credit card ] statement. I have recently reviewed my account and noticed an unauthorized transaction/account activity that I did not initiate or approve. 

Details of the fraudulent activity : HARRIS & HARRIS LTDXXXX XXXX  Account Number : XXXX Date of Transaction/Account Opening : XX/XX/year> Amount of Unauthorized Charge : {$370.00} I want to emphasize that I did not authorize or make this transaction, and I have no knowledge of how this charge occurred. I request that you investigate this matter immediately and take appropriate action to resolve it.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX submit this affidavit to request a security freeze on my credit report.. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year i was made aware that i was a victim of identity theft. I contacted the bureaus and i filed a fraud affidavit. I sent that to them and mostly all the fraud accounts came off except a couple that are still there. That is why i have ti submit this complaint

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 2025-03-11 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by Including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by Including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with explanation