vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the Equifax and XXXX got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am stressed and unpleased that my credit report was misused and I have been violated. I was apart the breach when the XXXX and Experian got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting my livelihood at risk stopping me from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Monday, XX/XX/2023 I received a letter from PayPal saying they were denying " me '' some kind of credit card because they were not able to prove my identity. On Wednesday, XX/XX/2023, I received said credit card. 

I have not used PayPal for about 10 years and I did not apply for any such card. I called the Paypal Mastercard customer service number ( XXXX ) and was transferred to their Solution Dept. 

I explained to them how I received the first letter in warning and then received the actual credit card and how I was not the only to apply for it. I asked them to closed the credit card and the PayPal account all together. They said it was done and that I would get a letter in the mail explaining that my account has been closed. 

I asked them if they could tell me how someone could just ask for a card with my info and if they could trace it back somehow and they said they could not. I don't understand how they sent me a letter saying they could not identify " me '' and then still send out a card!! 

I was lucky it even came to my home and not to the place whoever initially applied for it!!

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 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
I filed a Identity theft report and sent it to company and XXXX credit bureau. ACCT. # XXXX. AMOUNT IS FOR {$1100.00} from XXXX XXXX being collected by Credence Reasource Mgt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I contacted my bank over a year ago XXXX, they have tried to reach out to BMO. BMO has not responded to XXXX. XXXX has asked that I reach out to BMO, which I have. 

My money order was stolen and cashed on XX/XX/2021 for the amount of {$290.00}, claims have been filed, but not responded to.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This complaint is in regards to the XXXX XXXX charge off being reported by Experian. 
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX and XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.

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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an email from Halstead Financial Services stating I owed money to XXXX. I submitted an inquiry to Halstead without a response. I also contacted XXXX and they couldn't verify me as a customer. I am providing screen shots of the email from Halstead Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2023 I issued a check in On-Line XXXX  to pay off an Auto Loan with Chase Auto for the amount of {$45000.00}, this check was cashed on XX/XX/2023 satisfying the loan. XXXX, without approval, re-issued a redundant check to Chase XXXX on XX/XX/2023 for the same amount of {$45000.00}, Chase Auto cashed and applied this check on XX/XX/2023, to an account under my son 's name paying off his loan which was well less than the {$45000.00}. This was done without any communication, nor authorization or any form of consent. I have spent in excess of 8 hours on the phone with both XXXX & Chase, been to both bank branch locations numerous times without resolve. I have been promised a refund 3 times without it being sent. This has been going on for so long that I feel that Chase Auto has criminally stolen my funds and should be held in some type of legal justice and offer me some type of compensation for the time spent and the financial jeopardy that I have suffered from. I want my funds back now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Department of Education/XXXX is reporting account inaccuracies across consumer 's Transunion, XXXX, and XXXX consumer reports. XXXX report shows that the account is paid as agreed and never late but Transunion and XXXX is showing that the account has been late for 90 days. Also, XXXX0 U.S. Code 1232g ( B ) does not include credit reporting agencies access to a person 's educational record without consent. I never gave XXXX, XXXX, XXXX, and Transunion written consent to furnish information regarding my educational record, let alone inaccurate/adverse information. 15 U.S. Code 1681c states no adverse information reporting on my consumer report. I am demanding the account and transaction information to be removed immediately from my consumer report. 15 U.S. Code 1681a ( 2 ) states transactions of an account is excluded from the consumer report. DEPT OF ED / XXXX XXXX, XXXX COMMISSION FILE NUMBER XXXX 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 non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/2022 I reached out to Mohela to get a refund of the payments I made during the Covid student loan payment pause. At the time of my payments my account was with XXXX, however the loan has since been transferred to Mohela. Unfortunately I do not have documentation of each payment now that I can no longer access it on the XXXX website, but the total is over {$4000.00}. Upon my first call Mohela gave me a figure that matched my own calculations. Mohela originally quoted that I would receive the refund in 4-6 weeks. When that didnt happen I called back and was quoted 90 days. When that didnt happen I called again and was told there were no updates or an approximate timeline. When I called today the call was immediately disconnected ( 5 times ) after I stated the purpose of my call. I have never been contacted by Mohela in regards to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I went through a divorce in 2022 and part of the divorce agreement was that all debt would be paid off before divorce was final. On XX/XX/2022, My attorney and I worked to pay off all debts. That day I called Comenity Bank the holder for the My Place Rewards Credit card for Children Place and requested a pay off amount. I explained I needed the full balance due and it needed to include any interest that was owed so that my attorney could submit the payment per the divorce agreement. I was given the amount of {$460.00}, which was the amount that was paid. A month later I received a bill for interest. I called and told them the card was closed and that the bill had been paid in full in XX/XX/2022. Every month since XX/XX/2022, I have received a bill with accruing interest and late fees. I have called them several times to dispute the charges. They refuse to remove the charges and say they will turn me over to collections to get the money they say is owed. I gave them the name and phone number of my divorce attorney ( XXXX XXXX - XXXX XXXX XXXX ) per their request so they could verify the information I gave them. They have not contacted my attorney about this. Nothing has been settled as of today and they have now reported to the credit bureaus that I have failed to make on time payments and that I am 150 days behind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Selene finance did not send any documents stating change in loan modification or give me information about new recast Nys haf is looking into where they applied funds and a lawyer is looking in predatory lending practices By trying to put in place a loan modification instead of recast I am still in arrears The bank has not been truthfully with agreement set forth by Nys haf Predatory lender

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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 submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) and it was marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items to REMOVE them from my credit report immediately. These accounts are NOT MINE.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I have contacted Upgrade , Inc. to confirm receipt of a balance transfer in the amount of {$4000.00} from my Upgrade card account # XXXX to my XXXX XXXXXXXX XXXX credit card. The transfer was initiated on XX/XX/XXXX. Upgrade claimed that the balance was not transferred and they put me through many hours of phone calls and requests to have this investigated. This entire time, my balance has reflected as {$4100.00} on my credit report. As of XX/XX/XXXX, my balance on my Upgrade Statement has reflected {$0.00}, which confirms that the balance transfer posted, but they still at this point have not updated my credit report to reflect that my balance is {$0.00}. I attempted to get this corrected with the credit reporting agencies and only XXXX updated by credit profile based on the evidence I provided. XXXX and XXXX still has not updated my balance to the correct {$0.00} balance. On XX/XX/XXXX, I reached out to Upgrade, Inc. via email and provided them with the evidence of the cleared check that XXXX XXXX XXXX provided me. Note : per my request I requested for XXXX XXXX XXXX to conduct an investigation. Upgrade , Inc. said that they would update the credit report and it will take 45 - 60 days to reflect on the credit report. Per the evidence provided by XXXXXXXX XXXX XXXX, the check cleared on XX/XX/XXXX. At this point the 45 - 60 day period has passed twice and my credit report for XXXX and XXXX still reflects that I have a balance of {$4100.00}. I only want the balance to reflect the correct balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding these fraudulent items and to REMOVE them from my credit report immediately. These accounts are NOT MINE. 
.

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: WA

Complaint narrative:
Certegy Check Services XXXX XXXX declined to cash a company issued check # XXXX from XXXXXXXX XXXX XXXX XXXX on XXXX XX/XX/2023 at the Customer Service Center of XXXX XXXX. By blocking the transaction, Certify Check Services , XXXX implies that it will not honor company checks from a local company, XXXX XXXX XXXX XXXX XXXX. Furthermore, by declining the company check Certegy Check Services implied that the company issued check from XXXX XXXX XXXX, XXXX was fraudulent. This is completely implausible because XXXX XXXX XXXX, XXXX is a globally recognized company that issues checks to employees. Certegy never had any reason to delay or deny services.

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