vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi bank is dunning us with phone calls and txt messages demanding I pay over {$6100.00} that is past due. I DO NOT OWE XXXX XXXX OR CITI BANK ANYTHING AND MY BALANCE IS XXXX. Citi bank refuses to provide written confirmation of any claims and only tells me to call again in XXXX days. They refuse to put this matter in dispute. My XXXX  XXXX last spoke to XXXX Id # XXXX on XX/XX/year>.

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
To clarify, I am a XXXX XXXX who uses a FCCA ( Federal Court Certified Interpreter ) approved video interpreting relay service called XXXX XXXX to place my phone calls. I use this service for my banking needs as well. A few weeks ago, I opened a checking account with Charles Schwab bank. I was near the date for me to vacate my apartment unit, so I updated my address and phone number on my Schwab account. I had planned in advance for an international trip and used the Schwab card to pay for a flight ticket. I called them to inform them I was going to travel internationally. But today ( XXXX XX/XX/year> ) I could not access my account. I called them to ask why. They explained that because I use an interpreting service, I was suspected of fraud! They did not clarify whether they thought the interpreter was trying to steal my identity or I was the one committing fraud. We already explained to them that the service is FCCA approved and that everything about it is perfectly legal. But still I was being investigated for fraud. They asked me to give a whole bunch of verification information. I am at my wits end. I don't know how to resolve this. I called them because I am leaving for an international trip and I needed my card to be unblocked so I can have the funds for my trip. But they weren't going to do that. I feel this is an attack on my XXXX and rights to equal accessibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 am writing to request the immediate removal and blocking of these unauthorized accounts from my credit report. I did not open or approve them, and I have no connection to them. Under the guidelines of USC 1681g, I am requesting their deletion within the next 15 days. Please review the enclosed documentation. I also noticed that the reported information varies between bureaus, making it inaccurate and misleading.

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 2025-04-22 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:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX ONEMAIN FINANCIAL XXXX -Inquired on XX/XX/year> XXXX XXXXXXXX XXXX- Inquired on XX/XX/year> ONEMAIN- Inquired XXXX XX/XX/year> ONEMAIN FINANCIAL GROUP- Inquired on XX/XX/year>XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX  : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove from all credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I first received communication about this debt via text message, on XX/XX/year>, which included an image of a bill from a creditor I did not recognize. On the same day, I sent a written request to the debt collection company disputing the debt. In that letter, I specifically requested : 1. Proof that I received services from the named creditor, 2. A copy of any agreement bearing my signature showing that I agreed to be financially responsible, and 3. Documentation showing the collection agency is authorized to collect on the alleged debt. 

In response, the company mailed me a new bill -- but this time with a different creditor name listed, and without providing any of the documentation I requested. Additionally, the new bill included interest charges, which I understand is not permitted under California law unless supported by a contract or legal authority, which they did not provide. 

I believe these actions violate my rights under the Fair Debt Collection Practices Act and the California Rosenthal Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-04-22 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
RE : Request for Debt Validation To Whom It May Concern, I am writing in response to a checking my credit online XX/XX/year> regarding an alleged debt referenced as : Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I do not acknowledge any debt to your organization at this time. Pursuant to my rights, please provide the following : The amount of the debt ; The name of the original creditor ; A complete accounting and breakdown of the amount claimed ; A copy of any agreement bearing my signature showing that I agreed to assume this debt ; Verification that your company is licensed to collect debts in my state, including your license number ; The chain of custody of the debt, including when and how it was transferred to your organization. 

Until this information is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus, as doing so without proper validation is a violation of the FDCPA. 
If this debt is valid, I am willing to discuss it further. However, I will not communicate further until I receive the requested documentation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I took a Private Loan out to attend the XXXX XXXX XXXX XXXX XXXX in XXXX  Original Principal {$10000.00}, I realized after a few months this wasn't a real school, and that the claims they were making about students and job opportunities were lies, the recruiter/counselor lied to me about everything the school offered. I didn't even complete a full year there, I knew it was a scam, I kept asking about job opportunities and internships as soon as I started and got no help they kept giving me public websites to check for jobs like XXXX. Plus the classes themselves were a joke. Proving my point an investigation conducted by the XXXX XXXX  of XXXX XXXX found that XXXX  campuses had distorted program costs and job placement rates, leading to a {$4.00} XXXX settlement. The schools no longer exists because they were thieves and liars. It was not an educational program it was a scam. I am now XXXX  XXXX  later still paying crazy amounts of interest. The government for some reason only forgave the federal loans attached to this, however I read XXXX was forgiving several peoples private loans. I submitted an application to XXXX last year but right in the middle of the review the loan was transferred to Mohela, and then within no time they rejected it. Why are they allowed to collect money for a scam business that no longer exists because it was a scam?! 


XXXX XXXX XXXX Discharge XXXX Approves Group Discharge for Nearly XXXX XXXX XXXX XXXX Borrowers, Who Will Receive Over {$6.00} XXXX in Student Loan Discharges https : /XXXXXXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 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:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. furthermore, their dispute resolution. process was unfair and deceptive. as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2A furnishers must report accurate information under 15 USC 1681 I the credit bureau must perform a reasonable investigation within 30 days neither have provided sufficient evidence to support the negative reporting. Please remove negative reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Dear Equifax Consumer Fraud Department, I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ), I am requesting that these fraudulent items be blocked, investigated, and permanently deleted from my credit report.

I recently became aware of fraudulent activity on my credit report on XX/XX/XXXX, when I attempted to apply for a home loan. Upon review, I discovered unauthorized accounts and hard inquiries linked to my personal information. I have never applied for, authorized, or conducted any transactions related to these accounts. Additionally, I have received official notice that my personal data was compromised in the Equifax data breach, which further supports my claim of identity theft. 
For reference, I have filed an Identity theft report with the XXXXXXXX XXXX Department, and an active investigation is ongoing. The details of the report are as follows : Incident Report Number : XXXX Date of Report : XX/XX/XXXX Reporting Officer : XXXX XXXX # XXXX Location of Initial Incident : XXXX XXXX XXXX, XXXX, GA XXXX Nature of Incident : Identity Theft Fraudulent Accounts to Be Blocked & Deleted : XXXX XXXX XXXX Account # : XXXX * * * * XXXX * * * * Opened XX/XX/XXXX XXXX  XXXX. Account # : * * * * XXXX Opened XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * *. Account # : Open XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX opened XX/XX/XXXXXXXX XXXX Account # : XXXX * * * * XXXX * * * * XXXX * * * Opened XX/XX/XXXXXXXX XXXX XXXX  Account # : XXXX * * * * XXXX * * * * XXXX Open XX/XX/XXXXXXXX XXXX  Account # : XXXX * * * * XXXX * * * * XXXX Opened XX/XX/XXXX Fraudulent Hard Inquiries to Be Removed : Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Supporting Documents Enclosed : Copy of my government-issued ID Drivers License Proof of address Utility bill Copy of the identity theft police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I have had so many issues and service interruptions over the years until I was fed up with the excuses and promises and gave up. I contacted XXXX and told them to cancel on XX/XX/year>. I was not given any information about anything else. I told them I had enough. I had already had another service setup and running. The following month I started getting phone calls demanding more payment for time after I said cancel my services. I was told they would look into it. I was told that it showed activity of me using. I told them I had already switched and was not using XXXX anymore. Later I was told about a higher amount owed. And Just recently, I got a letter from a debt collector from Harris & Harris. I do not owe XXXX anything. All payments were up to date until I canceled. I will upload the transcript of when I canceled.

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 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-04-22 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 non-monetary relief