vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NC

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. 




NEGATIVE ACCOUNTS : CLOSED : XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I have called Mohela twice to resolve my issue. First call I was on hold for 3 hours. Second call I was on hold for 2 hours. I called because I have 6 loans serviced theough them All for the same college and All for the same student. They are all in school deferment. They are XXXX XXXX loans. Loans 1-4 and loan 6 all are deferred till XX/XX/XXXX. Loan 5 got over looked and they only have it deferred till XX/XX/XXXX. I called the first time to inform them that the dates were wrong on loan 5 and disnt match the loans before and after that loan. They sent in a request anand made it that deferment didnt start untill XX/XX/XXXX. When it should still be in deferment now like all the other loans. I called a second time and she said shed put in a request for date changes but i still have not heard from them. It is scheduled for repayment this XX/XX/XXXX. It says bill is {$46.00} a month but when you call it says on the phone the bill will be around {$480.00} a month in XXXX. I should be in deferment with all of my loans till XX/XX/XXXX. I should not have any payments. I have called several times and get no where with customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and 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 : LIST OF ITEMS TO BE REMOVED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items 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 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
The companies in this message continue to bill me and call me from multiple phone numbers. I have never heard of Midland Credit or XXXX XXXX for XXXX XXXX, other than when both companies started billing me and calling me after XXXX. Nor had I heard of XXXX XXXX for cable services, and I do not need cable or internet service due to it being included in my rent. And I have proof that I have not opened any cable accounts on XX/XX/year>. They ignore my request for proof and continue to report misinformation, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are they accounts I marked as inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several 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 as reported. The aforementioned accounts, collections 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 explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXX Account Number : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX NATIO Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX  Account Number : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of XXXX, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I have multiple Amex gold gift cards. I have had XXXX luck activating the card on the website because it won't even load after all of the information has been put in. I can only call the phone number to activate a certain number of cards before I am prevented from calling again. Customer service said to try it at different merchants, but even after multiple attempts, I have yet to find an online merchant that will accept the card. This flies in the face of Amex 's claim that these cards are accepted everywhere that Amex is accepted. I do have some cards that I have had luck using, but then encountered problems using them as well. 

I will provide the last five of the card and the value on the card. 

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 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 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 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

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TV from Best Buy, along with a XXXX XXXX XXXX XXXX  XXXX that was marketed as a safety net offering repair or replacement in the event of any issue. Instead, what I received was a string of rude technicians, conflicting information, and emotional exhaustion. 

When my TV developed a clear malfunction, I scheduled a service appointment. The first technician who came out was dismissive, offered no assistance, and seemed completely uninterested in helping but he did submit photos to Best Buy customer service. Based on those photos, customer service confirmed the damage was covered and told me the TV would be repaired or replaced. I was relieved briefly. 

The second technician then arrived, and the situation went from bad to worse. He spoke down to me, acted like I was lying or overreacting, and completely dismissed what customer service had already approved. I felt talked over, ignored, and mistreated in my own home not once, but twice. Both technicians acted like I was a problem, rather than a customer who paid for a premium warranty expecting respect and a solution.

Im still paying off this television on my Best Buy credit card, and I feel utterly scammed. I paid for a protection plan that was supposed to give me peace of mind and instead, I got gaslighted, stonewalled, and left with a broken product. This isnt just a poor experience its deceptive business and emotional manipulation disguised as service. 

I am demanding that Best Buy and XXXX XXXX honor the original approval provided by customer service and either repair or replace my television immediately or issue a full refund for the television and the protection plan that failed me.

You have one week from today to fully resolve this issue. If no action is taken, I will pursue all available options through regulatory and legal channels. Consumers should not be treated this way and I will not allow this to be swept under the rug.

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 2025-05-05 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I recently discovered that I am victim of identity theft. I found several errors on my chexysystems report that are due to this identity theft I am dealing with. I set up a chexystems online account and was able to view my chexsystems report however the system will not allow me to file a dispute online. I have attached a copy of my dispute to this complaint along with a copy of the police report I filed regarding this identity theft. I will also put the contents on the dispute letter in this form along with the attached PDF version. 
I received my consumer report and discovered that I am a victim of identity theft. I have filed a police report and have attached that report to this letter. I wish to dispute the follow inaccurate items appearing on my chexsystems report as they are a result of identity theft : Reported Information : Financial Institution : XXXX XXXX  Reported For : Account Abuse Date of closure : XX/XX/XXXX Financial Institution : XXXX XXXX Report For : Account Abuse Date of closure : XX/XX/XXXX Inquiries : XXXXXXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX This concludes my dispute

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 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Cash app closed my account and wouldnt release my money I had saved in the account to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six month, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re investigation. Be advised that description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2025-05-05 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at easternaccos on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several 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 as reported. The aforementioned accounts, collections 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 explanation
Consumer complaint received 2025-05-05 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: 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I recently received a copy of my report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IA

Complaint narrative:
XX/XX/year>. Chime allowed a third party to take {$300.00} from my account and I never put my information on anything. I reached out to get it resolved and was promised a credit. They never sent me any documents from the third party regarding who account it was under. When I reached out to the company they said it was under another persons name and o havent heard back. Chime has no provided me with documentation from the third alert regarding who account it is.

Company response to consumer: Closed with explanation