vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
Equifax has my name XXXX XXXX XXXX mixed up with XXXX XXXX XXXX. My mortgage is paid off. I have no credit card debt at all. I have never missed a payment or have been late on any accounts ever. Thats not what their mixed report says. I have mailed them a certified letter and received the receipt. It has got me nowhere XXXX  months in. Please help me straighten this problem out. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MO

Complaint narrative:
Data breach allowed unqualified personnels to access protected data, I have been receiving correspondence from spam accounts saying my data has been breached!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am writing to formally dispute an inaccurate and fraudulent account listed on my credit report under the name of Credence Resource Management ( referencing a XXXX XXXX account ) The account number is XXXX with a balance of {$700.00}. 

This account was fraudulently opened in my name without my knowledge, authorization, or consent. I became aware of the account in XX/XX/year> when it was forwarded to collections and began appearing on my credit report as a balance of {$700.00}. 

Upon investigation, I discovered several inconsistencies and red flags associated with the account, including : -Misspellings of my name -An email address that is not mine -No ID or Social Security verification was ever performed by XXXX XXXX I have also been informed by Credence Resource Management that they require a fee to process a dispute, after they seen the inconsistencies. They are willingly reporting inaccurate information, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Legal Violations Involved : FCRA 605B : Requires that identity theft accounts be blocked from the credit report within XXXX business days upon receipt of a police report or affidavit. 
FCRA 623 & 611 : Furnishers and credit bureaus must investigate disputes and remove unverifiable or inaccurate information within 30 days.

FDCPA 807 & 809 : It is illegal to attempt to collect a debt not owed, misrepresent the right to dispute, or charge any fees to file a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: LA

Complaint narrative:
My Discover credit card was charged off on XX/XX/XXXX. It was then picked up by their attorneys, XXXX XXXX XXXX XXXX The original judgement was made early XXXX in the amount of {$1400.00}. I made an agreement to pay them {$120.00} per month starting XXXX of XXXX until the balance was paid off. To begin, I was not told that this account accrues daily interest. As the months went on I made my payments consistently. However, I missed my XXXX payment but was told I can make it up with my XXXX payment and it would just extend another month. I made my XXXX payment, then missed my XXXX payment. I then had some issues with my bank around XXXX, but I eventually made a lumpsum payment of {$380.00} to make up for those missed months and to get myself back on track. My payments brought my balance down to {$540.00}, or so I thought. XXXX day, I called in to the office to get an updated balance. To which I was then stunned to learn the balance was now {$920.00}. According to the employee I spoke with, there was a second judgement signed on XX/XX/XXXXXXXX XXXX days before my payment of {$380.00}, that added {$360.00} to the total balance. When i asked what the purpose of the second judgement was, I was not given a clear answer. I truly believe this company is just being greedy and not willing to work with me considering my balance was almost paid in full, and I am not in a position where I am unable and unwilling to make any further payments until something can be worked out. I have my payment history and a copy of the second judgement as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One credit card. I was making payments on time not missing payments. Suddenly they charged me over {$400.00} interest increased my monthly payment to {$510.00}. I am XXXX on XXXX XXXX. I called Capital one several times received a different answer every time. I asked to speak to a supervisor who told me she could do nothing, these were the rules period. I asked if they would waive the fees and accept a lump some payoff she told me NO! paty it all late fees everything. I asked to speak to her supervisor she told me " she does not have one ''. pay or they will send it to debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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, XXXXXXXX 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 2025-03-31 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Trying to say that I owed amounts that wasnt correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
Immediate Removal of Fraudulent Account Dear CFPB, I am extremely frustrated to see that TransUnion is reporting account XXXX in the amount of XXXX on my credit report, which is the result of identity theft. This is completely unacceptable and must be removed immediately. 

It is outrageous that I have to deal with the consequences of fraudulent activity that I had no part in. This false reporting is damaging my credit, and I demand that you take swift action to correct this error. Failure to do so promptly may result in further action. 

I expect immediate confirmation that this account has been removed.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Husband and I first purchased XXXX XXXX XXXX points standard for {$8900.00} XX/XX/XXXX in XXXX XXXX, SC at an XXXX XXXX XXXX. We financed the entire amount. We were told that the timeshare would not only cover the cost of our vacations but would also increase in value, making it a wise investment for our children. 
On XX/XX/XXXX we attended a new owners orientation in XXXX VA because we wanted to cancel our purchase. We had trouble with availability and we could not easily reach customer service. We tried to book online. A lot of the rooms available seemed to be just hotel rooms and not resorts. 
The agents told us, the seven-hour meeting, what we had purchased before was not adequate for our vacation needs, but with additional points we would be able to stay anywhere. We purchased XXXX points, standard interest type, and first years use XXXX. The purchase price was {$16000.00}. We paid a down payment of {$960.00} and financed {$18000.00} at 16.5 %, These sales agents said that if we were not happy, XXXX would buy back the timeshare. We learned that there is no buy back program and that sales agents are allowed to lie. 
After this purchase, we experienced the same issues concerning poor availability. When we contacted XXXX about the buy- back program, we learned that we had been lied to. There is no buy-back program I stopped payments at the end of XXXX because we purchased under false pretenses. 
It is unfair that the buyer of a timeshare does not have access to the booking site until after the end of the contract rescission period. We had no way of being able to learn about the poor availability by reading the contract, or within the contract rescission period. I, the wife, spent hours on the phone with XXXX customer service and was constantly told there was no availability. 

This is an article about XXXX frustrated HICV members. There are also almost XXXX BBB complaints filed against XXXX. 
https : XXXX XXXX XXXX Should you wish to discuss, please call. 



XXXX XXXX https : 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 2025-03-31 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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: WI

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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX I received an email from chase stating " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon. '' This account is brand new and I haven't received my debit card yet. I have two deposits into the new account XXXX via XXXX from a friend and another from my other personal bank at wells XXXX via wire transfer. When I called the rep told me that the department is closed because it was after hours and to call tomorrow. Come XX/XX/XXXX I called in the morning and the rep told me that the account is in fact closing and couldn't give me a reason why. I told her that I needed the money from the account and can't wait for a check due to my bills already being in auto pay and I had rent on XX/XX/XXXX. She told me I could go to a branch in person and get my funds. So that is what I did, I went to XXXX General XXXX XXXX, Virginia XXXX, VA XXXX. A rep named XXXX helped me and called the back end to see about getting my funds. After her conversation on the phone she told me she can't tell me why the account is being closed and that I can't receive my funds and that the funds would have to be reviewed and that a check would come in XXXX business days, no expedite. Due to those unfortunate events I will now face returned fees on the bills I had auto pay on connected to the new chase account. It is currently XX/XX/XXXX as I am writing this and I do not know the consequences I will face if I can't make my rent on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-31 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I opened an XXXX virtual card using a work phone and email as my XXXX ID in XXXX and used 3 times. I retired and no longer had access to the account and thought I had closed it. On XX/XX/XXXX Goldman Sachs made a withdrawal from my bank account for XXXX. 
External Withdrawal APPLECARD GSBANK - PAYMENT Amount : negative {$1900.00} XXXX immediately contacted Goldman Sachs and filed a fraud complaint. After the complaint was filed in XX/XX/XXXX I called weekly for updates. I was told on a call in XXXX that another approximately {$2000.00} was due for payment. I advised Goldman Sachs this could not be possible as I had asked for it to be closed due to fraud. 
I have been in monthly contact and have requested numerous times for the statement to be provided and for copies of my phone conversations to be provided. I have to date XX/XX/XXXX, not received and requested documents. I have been told on recorded lines on at least XXXX occasions that it is obvious fraud and they would request expedited processing. 
2 years of no activity should have prompted Goldman Sachs to cancel card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX XXXX : Formal Complaint Against Portfolio Recovery Associates XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against Portfolio Recovery Associates , LLC ( XXXX ) for what I believe is an invalid debt collection attempt regarding an alleged credit card account originally issued by Synchrony Bank XXXX 
On or around I was notified by XXXX XXXX XXXX about a lawsuit filed by Portfolio Recovery Associates claiming that I owe a delinquent credit card debt. However, XXXX has failed to provide sufficient evidence that this debt is valid, belongs to me, or that they have the legal right to collect or sue on it. 
I believe this XXXX be another instance of XXXX engaging in unlawful collection practices, similar to those described in prior enforcement actions by the CFPB, including the XXXX order requiring XXXX to pay over {$24.00} XXXX for attempting to collect debts without proper documentation or filing lawsuits without proof. 
I formally dispute the validity of this alleged debt and request a full investigation. Specifically, I am requesting that XXXX be required to : Provide complete validation and documentation of the debt they claim is owed, including a signed agreement and a complete payment history ; Prove legal ownership and chain of title from XXXX Bank to XXXX ; Cease collection activities, including litigation, until full validation has been provided. 
Additionally, I believe XXXX XXXX be violating provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( XXXX ) by pursuing legal action without sufficient documentation or proper notice. 
Please investigate this matter and hold Portfolio Recovery Associates accountable if they are found to be acting in violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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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 2025-03-31 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: MN

Complaint narrative:
I reviewed my credit report and found several fraudulent collection accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

Company response to consumer: Closed with non-monetary relief