vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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:
I've noticed that my credit report contains incorrect personal information, which has caused this unknown, inaccurate and fraudulent account to appear. Unfortunately, I have been a victim of XXXX XXXX. My information was used without my authorization, resulting in a fraudulent item on my report that I have no connection to. Following Experian 's guidance, I promptly filed a report with the Federal Trade Commission ( FTC ) and submitted it for review. Despite this, the fraudulent item remains 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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied to a Chase credit card and was denied due to already having said credit card. This was according to their letter. I do not have this credit card. I called on XXXX and spoke to several people who kept telling me I was an authorized user for a person I dont know. My XXXX XXXX immediately went up and I asked for the cardholders details and got transferred to the fraud department. The fraud department did not find me as an authorized user, then they transferred me to do a credit check. Chase credit department also did not find me. This whole time the other employees, which were several kept lying and saying I was an authorized user. This was incorrect and they caused me so much distress. I was afraid someone stole my information due to their poor judgement. They wouldnt help and just kept transferring me to someone else. One employee finally helped me finish my application on XX/XX/scrub>XXXX, she mentioned 24 hours for a decision. I havent received a letter or an update so I call today on XX/XX/scrub>XXXX and I am told by a rude male employee that my credit is frozen and they cant do anything, he proceeds to hang up on me. I check my credit and its unfrozen. I decide to call back and I am told they will start processing my application today on XXXX. This is embarrassing and ridiculous. I cant believe the level of disorganization and false accusations. I was on the phone for over 90 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$310.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-03-20 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$530.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$310.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX Inquiries : XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 2025-03-20 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is my last letter to the bank. 
I thing due to my age XXXX  years my very bad economical situation and the health troubles that this problem has cause me, I deserve an extra compensation. 
================================================= XXXX, XXXX XXXX XXXX Excalations Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Ref : CASE NUMBER : XXXX Dear XXXX, XXXX XXXX letter dated XX/XX/year>, you reference exactly what I had already told both XXXX XXXX, the XXXX, and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. I made it clear that while the funds for a deposit item might appear available for withdrawal, this does NOT mean the funds are guaranteed or collected. I insisted on this point because I suspected the transaction could be a scam. 
When I followed up on the deposit, I was once again warned about potential issues, but your two representatives assured me with absolute certainty that the check was legitimate. Doubtful as I was, I requested a cashiers check for the same amount as proof. After a thorough check, your representatives issued the cashiers check without hesitation. With no available funds in my account, I trusted their assurance and proceeded with selling the car involved in the deal. 
This was the banks fault, plain and simple. I even spoke with XXXX XXXX XXXX, the XXXX XXXX, and the lack of due diligence here is staggering. There is absolutely no reason your representatives should have approved a cashiers check based on an unsupported check and minimal-check account. 
It is grossly irresponsible for your bank to mishandle depositor funds in such a reckless way. Whats worse, you are misleading your customers, forcing them to make critical decisions based on your glaring incompetence and lack of responsibility. 
I demand a refund of {$24000.00}. This was entirely your mistake, and I will not tolerate your negligence any longer. 
Sincerely, XXXX 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 2025-03-20 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: WA

Complaint narrative:
I recently looked at the copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account i am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-20 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: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
At the urging of students.gov and my servicer XXXX, I switched from my income based repayment plan to the XXXX plan. The XXXX plan was held up in court, the court issued a stay, which meant my account was automatically put in forbearance. I am about half way through 10 year loan forgiveness for nonprofit employment. While in forbearance, none of my time at my current employer counts towards my loan forgiveness. I contacted XXXX by filing a complaint that I was not allowed to switch back to my previous repayment plan or apply for another income driven repayment plan during this stay. The complaint was closed without response. My personal identifying information was put at risk when XXXX infiltrated the department of education. My rights to privacy were guaranteed yet violated by XXXX. Finally, in XXXX I was able to submit an application for another income based repayment plan. It has been over 30 days and I have not received a response or decision. I payed my interest last year and wanted to continue making regular payments but was prevented from doing so, which negatively impacts progress on my nonprofit loan forgiveness goal. More over XXXX  communication is poor and their site unreliable. When I attempt to log into the app, I get an error message that no account is found. However when I log in through web browser my account is in fact found and active. My time working for a nonprofit through this forced forbearance should count towards my loan forgiveness, as I tried and was prevented from continuing to make payments by switching to my previous or another income based repayment plan.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Ria Envia, LLC
State: CO

Complaint narrative:
I initiated transfer for {$25000.00} from XXXX XXXX XXXX to receive XXXX XXXX  on contract XXXX on XXXX. Wire transfer was successful. Money was XXXX until today when they returned {$24000.00}. 
They made money on the transfer, I had to pay wire fee of {$30.00} and shorted the return even though their own return exchange rate is currently valuing the same amount at {$25000.00}. 
First they made money with a promise to deliver, and when they didn't, they took even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NY

Complaint narrative:
Back in XXXX of XXXX I applied for the XXXX plan and submitted an IDR application. XXXX  has been on hold, but my IDR has been slowly processing. IDR applications are also now on hold. Due to this, Mohela placed me in a forbearance on XX/XX/XXXX. Suddenly on XX/XX/XXXX I was emailed that I owe XXXX for XXXX XXXX and XXXX for XX/XX/XXXX. They are trying to bill me XXXX by XX/XX/XXXX. I have received no notice that my account is out of forbearance. I also was never alerted I was expected to pay for XXXX ( was in forbearance ). I have emailed the company and tried calling. Call times are over XXXX hours and I have gotten no email responses. These wait times are not realistic for anyone to have an issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We had a Bank of America home loan and were trying to get it refinanced. My wife specifically asked the lady we were working with THREE times about an issue and the lady for Bank of America re-assured my wife that we could move forward with the refinancing and hold off paying our monthly payment until we had the home refinanced back during the housing crunch of XXXX. The lady reassured my wife XXXX time that we could do that. after a couple of month we were wondering what was taking so long to get it refinanced. The SAME lady came back and said that because we were behind on our payments ( which she told us THREE TIMES we could hold off paying ) they were NOT going to do the refinance and if we didn't get them the back money in 30 days they'd foreclose on us ( and they did! ). They BASICALLY Stole our house from under us. 

But I saw online that in XXXX of XXXX ( or sometime around there ) that Bank of America had settled a lawsuit for abuses of their operating procedures so I figured I'd check and see if WE were eligible for some kind of compensation. 

At this time I do not have any documentation, but I have not put an effort in finding any. I can do the research if it is deemed a posibility to recover some of our losses.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
My card was stolen, I reported it to the credit card company and paid the purchased I made. The card company was supposed to issue a new card to me and never did. I later found out they sold the debt to a collection agency, and have been collecting payments from me after they sold the debt. They never issue a new card to me but are attempting to collect money from me by a third party. This card company collected money from me and had sold the debt while collecting money from 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 explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have XXXX collections on my credit report that dont belong to me. There is XXXXXXXX XXXX XXXX XXXX XXXXt does belong to me. The other two do not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: SC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have reported incorrect information sent by the credit bureau through my email and formally dispute an error on my credit card statement. Despite my request for further investigation, the company has disregarded the issue. I urge you to resolve this matter promptly and provide a confirmation receipt for my reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Unfair Account Closure and Credit Impact Dear CFPB, I am filing this complaint because my bank closed my account without notice, and this action is negatively affecting my credit. This is not the first time they have done this, and the previous account closure also hurt my credit score. 

I contacted the banks customer service to resolve the issue, but the representative told me they could not do anything. I asked to speak with someone who could help me, but the representative repeatedly responded with, Who? instead of directing me to the appropriate person. This was frustrating and unhelpful, and I was unable to get any resolution. 

I believe the banks actions are unfair and are causing unnecessary damage to my financial standing. I am requesting an investigation into this matter and assistance in ensuring that my credit is not further impacted due to their decision. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation