vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: SC

Complaint narrative:
I opened a credit card with XXXX XXXX and made regular, timely payments. I noticed increased minimum payment due, unknown charges as well as extraordinary fees and contacted XXXX XXXX. They let me know that the interest should not have risen and the fees were based on the unknown charges that they would investigate. I did not hear back and soon after- my account was charged off. Soon after, I was contacted by a debt settlement law firm, XXXX XXXX XXXX and misled into believing that by working with them, they would handle the errors in debt and settle the account. That was in XX/XX/year>. I have been paying monthly fees to this law firm to settle a debt that was originally questioned with XXXX XXXX. I have heard little from the law firm and while looking into my last XXXX XXXX statement, realize that none of the questioned charges were removed. XXXX XXXX unethically failed to provide requested information regarding the questioned fees, interest and charges. Furthermore, Law Offices of Robert E. Gitmeid continue to call mulitple times daily- each an automated call. When answered, it is a different associate asking for additional payments or requesting information already provided. When stated as much, the associate claims to document- but fails to do so as the calls continue throughout the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a letter informing mew of unclaimed property that CashApp was in possession of. I contacted Cash app via the contact information provided in the letter. They did not provide me with information about how to get my property back, nor did they provide me with my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Dear Nelnet Representative, I am formally requesting the removal of my student loans from my credit report due to a violation of the Family Educational Rights and Privacy Act ( FERPA ). As you are aware, FERPA protects the privacy of student education records, including financial information. It has come to my attention that Nelnet has breached my protected information, which directly impacts the validity of the reporting of my loans. Given this violation, I am requesting that you take immediate action to remove the associated accounts from my credit report. I previously submitted this request, which was denied, but due to the legal obligations under FERPA, you are required to correct this matter accordingly. Please provide confirmation of the removal or a detailed explanation of your compliance with FERPA in this matter. I appreciate your prompt attention and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to abstain credit.

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 2025-03-13 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: MOHELA
State: OH

Complaint narrative:
I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, violating multiple federal laws designed top protect student records and personal privacy. 

Under the following legal protections, my information should have been safeguarded : -Family Educational Rights and Privacy Act ( FERPA ) : Ensure the confidentiality of student records and prohibits the unauthorized disclosure of personal information.

-Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student loan data.

-Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies.

-Breach of Contract : The unauthorized Sharing of student loan borrowers ' persaonl and financial information with third parties, including XXXX XXXX XXXX Constitutes a violation of the contractual obligations to protect borrower data. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
fraudulent EQUIFAX, TRANSUNION XXXX XXXX XXXX XXXX XXXX : XX/XX/year> XXXX # XXXX BALANCE {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 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: Upstart Holdings, Inc.
State: DC

Complaint narrative:
In Accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section ^O 4 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX. BMO bank transfered {$1800.00} from my checking account under a transaction called : " System generated transaction to set XXXX balance for Relationship Checking ''. 
My account balance was set to XXXX. BMO bank closed my checking account in XX/XX/XXXX while I still have a balance in my account. I never received a check to recover my account balance when they closed it. 

I called customer service and ask about the check but they refused to help me because my account was closed. 

Recently, on XX/XX/XXXX, I got a notification on my online banking that BMO bank transfered {$1800.00} from my checking account under a transaction called : " System generated transaction to set XXXX balance for Relationship Checking ''. 

I did audit all transactions deposited into my account and transaction taking out of my account, I should have the exact amount of {$1800.00} in my checking account. 

The bank withdraw the money to zero my account balance. I want to get my money back that was in my checking account.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I recently discovered that my personal and/or financial information has been used without my authorization, resulting in fraudulent transactions and/or accounts in my name. I have filed an identity theft report with the Federal Trade Commission. The last four digits of my Social Security Number is being reported inaccurately on my credit profile. 

I have also requested a validation of the accounts that are in collections on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. I recently discovered that my personal and/or financial information has been used without my authorization, resulting in fraudulent transactions and/or accounts in my name. I have filed an identity theft report with the Federal Trade Commission. The last four digits of my Social Security Number is being reported inaccurately on my credit profile. 

I have also requested a validation of the accounts that are in collections on my credit profile.

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 2025-03-13 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: AZ

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 2025-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
Hollis Cobb Associates call me DAILY on behalf of XXXX XXXX XXXX to collect.a medical debt that I can not pay at this time. 
They're calling me from XXXX. I had XXXX messages from them when I checked my voicemail a few minutes ago. It is an overboard collection tactic and it's very annoying. Please contact them and ask them to stay within proper parameters. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name XXXX 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 EQUIFAX 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 a credit card account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX  XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collections account opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, a collections account opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number 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 # ( private case number ) 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 2025-03-13 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: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America ( XXXX ) called me at XXXX XXXX  at ( XXXX ) telling me that a large transaction in excess of {$2000.00} took place on my Bank of America credit card. I told them that I did not have any credit from Bank of America. They told me that they sent my credit card to West Virginia on XXXX XX/XX/XXXX. I told them that I lived in Texas and I have never been to West Virginia. I had to prepare lunch for my mother at the time, so I hanged up. In the afternoon at about XXXX XXXX, I went to Bank of American on XXXX XXXX XXXX XXXX, XXXX XXXX and confirmed with the agent and her manager that I did not have any credit card opened under my name. The agent asked me if I revealed any personal information to the caller. I told her that I did not. I was surprised that Bank of America ( XXXX ) called me again at XXXX XXXX. I told the caller that I have already checked with Bank of America and hanged up. Later I also checked with the XXXX credit bureaus ( XXXX, XXXX and XXXX ) that I do not have any credit card opened under Bank of America.

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 2025-03-13 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: SC

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on a few an account for which I have always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have filed a dispute directly with the bureaus and they ignored my attempt to rectify the matter and updated the account instead. I have never been late on DPT EDXXXX account number XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I kindly request these payments be promptly updated to reflect their true status as on-time and never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) is attempting to collect a debt it does not own. I sent XXXX  a Cease and Desist letter and requested proof of debt ownership. Additionally, I stated that XXXX  does not have my permission to park the alleged debt on my credit report. After receiving the letter, XXXX continued to call and harass me and parked the debt on my XXXX report. I have not received any postal mail since my Cease and Desist letter was received by 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 2025-03-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: WI

Complaint narrative:
TOMO CREDIT hasn't reported my credit accounts in over 95 days now it's paid for the vip service and they don't give me a clear explanation nor report they don't answer my request and I want my refund on this account and they don't answer me the fraud is vey clear and I demand all payments refunded for breach of contract and promises unfulfilled

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under tXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under tXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-13 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: OR

Complaint narrative:
My problem is XXXX XXXX and DOGE has violated my privacy by accessing my private data through the Department of Education. I have taken out student loans in the past and am taking some now from the Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation