vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
New information as of XX/XX/year>. Previous private Complaint XXXX is my initial claim. I am filing a new public complaint because I am afraid the company is tarnishing my identity, and I have new information. I mentioned XXXX  borrower defense in my first claim. However, I contacted XXXX University on XX/XX/year> and spoke to XXXX XXXX, and they mentioned that the last semester I attended, a debt was charged for tuition. So the creditor XXXX XXXX  and Ability Recovery Services the company operating on their behalf are not considering my borrower defense. XXXX XXXX  is saying I did not receive XXXX my last semester attended. I applied for XXXX every semester I attended. The university was found guilty of fraudulent tactics. The semester does not matter. XXXX XXXX  failed to set up a payment plan fee, lump sum, or installment percentage, or notify me of the amount before the semester started. Once the funds were rescinded, they automatically said I owed them. The financial agreement was never confirmed and does not supplement fraudulent tactics. XXXX XXXX  mentions you are responsible in the application for admission but did not show a breakdown of my bill for the semester 's payments were rescinded or when I was billed directly or withdrew. It was proven to be a fraudulent business during times of high unemployment and an unreliable degree ; they claim I owe them for over 3 years ago, which may be violating the state law from where Ability Recovery Services is legally located. I checked my credit report, and it has XXXX different remarks : disputed on some credit reports, charged off, and meets FCRA, which is an incorrect message. Account showing closed on certain reports. It is confusing, and it is not consistent with high standards. XXXX XXXX  is violating my XXXX https : //studentprivacy.ed.govXXXX by reporting to Ability Recovery Services. XXXX has already been proven fraudulent by the XXXX XXXX XXXX Settlement https : //studentaid.govXXXX and my FCRA The Fair Credit Reporting Act, 15 U.S.C. 1681 rights, and CFPB rights.

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 2025-03-19 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: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-18 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: MO

Complaint narrative:
The company was sent in the disputes of the fraudulent activities and did not remove them. I have a Federal Trade Commission on report and the items are still on the credit report. I have been a victim of fraud do to data breaches. Under the FCRA, I would like to have these items removed from my report. These accounts belong to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MO

Complaint narrative:
The company was sent in the disputes of the fraudulent activities and did not remove them. I have a Federal Trade Commission on report and the items are still on the credit report. I have been a victim of fraud do to data breaches. Under the FCRA, I would like to have these items removed from my report. These accounts belong to someone else.

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 2025-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/scrub>/24, {$1300.00} was charged on my Bank Of America credit card from a identity theft scheme involving the perpetrator using my home address to pick up the package from a XXXX access site. Purchase of ugly jeans and shirt from XXXX XXXX XXXX online clothing shop. Police report filed and all attempts made on my behalf to get package rerouted back to seller. Unfortunately an individual without my name, ID, etc, picked up the package from a XXXX site ( not my home ) and package marked as delivered. Bank of America denied fraud claim, despite the name XXXX XXXX being the buyer, which is not my name. Have verified with XXXX that package was picked up without an ID ( they do not require this ). Both Bank of America and this clothing company and XXXX all failed to recognize the obvious scheme and denied claim based on their own policies.

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 monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Subject : Ongoing Billing Error & Unresolved Refund Issue Urgent Resolution Needed To Whom It May Concern, I am writing to formally complain about an ongoing billing error and refund issue related to my purchase and subsequent cancellation of a XXXX  XXXX bed. 

Background of the Issue : I used the Pay Later feature to purchase a XXXX XXXX bed but canceled the order the following day. 
Despite the cancellation, I received a bill for the bed months later. I immediately provided proof of the cancellation. 
The company then requested additional proof of the returned shipment, which I provided. 
After confirming the return, the company refunded me for the payments I had made. 

Ongoing Issue : A couple of months later, the company allegedly issued me an additional {$160.00} check. 
Multiple representatives have confirmed this was an accounting error, stating that the check was issued and the same amount was added to my account balance, expecting me to use the check to zero it out. 
This error is clearly visible in my account transaction history. 

Failure to Resolve : Despite acknowledging the error, I have been repeatedly told to wait for the check, which has never arrived. 
The company has allegedly resent the check twice, yet I have not received it. 
I am now on my fifth investigation, and nearly a year has passed without resolution.

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 2025-03-18 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: SC

Complaint narrative:
I am a victim of identity theft. There are several accounts and inquiries that I didnt authorize or give anyone permission to open

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. There are several accounts and inquiries that I didnt authorize or give anyone permission to open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am not satisfied from the response that I receive, why does he needs to call his bank to ask for the money back that was deposited to my account.. this will look Fraud on my credit report.. there is no Fraud or anything on this transaction.. XXXX XXXX is a deceased person.. now how can I get the money that was deposited to my 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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: PR

Complaint narrative:
Hello, I verified my credit in XXXX and I saw that I have a collection information from CBE Group. I do not debt any payment to them and other companies. This is a violation of my privacy. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CL Holdings LLC
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/year>2023, I contacted MCM via their online live chat to request a debt validation letter because the letter I previously received from them was not a proper validation letter. Instead of honoring my request, the representative informed me that the only way I could receive a validation letter was if I disputed the debt. 

I never requested to dispute the debt, only to have it validated. However, the representative unilaterally marked my account as disputed without my consent and informed me that I would be notified once their investigation was complete. This is a clear misrepresentation of my intent and an unlawful practice under the FDCPA. 

I have retained screenshots of the live chat conversation as evidence of MCMs misconduct and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report the complaint on the following date : XX/XX/year>2024. I am now requesting you investigate and provide verifiable proof- with records- showing that I had late payments. If this information can not be verified, I demand these payments be updated to 'paid on time ' immediately. Thank you for your understanding and prompt action.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS :

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 2025-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I got a mattress from Mattress Firm where I was encouraged to apply for store credit to help me budget. 
I was accepted for a store credit with a budget that covered the mattress. 

Synchrony handles the payments and approved my store credit. 
Multiple times, I've spoke to employees with loud background noise that make it unprofessional and untrustworthy to share information with over the phone. Such as dogs barking, people chatting loudly in the background. 

Today XX/XX/year>, I made a Synchrony employee aware that I was filing a report with the credit bureau because he said " alright I can not help you '' because I would not give him my personal card information over the phone, so he could manually process a payment. 

I have 2 cards on file with Synchrony website. 

Synchrony is sending me emails confirming and thanking my payment, although they are not deducting the payment from my account balance. 
This is causing late payment fees with warnings that my account will be closed due to payment failure. 
My credit score has drastically dropped XXXX points after applying for this mattress credit and it continues to do so. I have asked Synchrony employees to help configure what is going on, to dispute late payments or overall speak to someone who is aware of the situation. 
Employee asks for my card information so he can put it in manually, stating that I have a card from an unidentified bank on file. Although, Synchrony has taken payments from multiple cards of mine, in the past with no problem. 
The balance with the credit card goes unpaid, even while I get payment confirmations, thanking my payment. 
Essentially, this is my first time applying for credit and there is some sort of fraud going on while stealing my 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 2025-03-18 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I am writing to formally dispute the following unauthorized hard inquiries that appear on my credit report : Creditor Name : One Main Financial Date of Inquiry : XX/XX/year> Date of Inquiry : XX/XX/year> I did not authorize these inquiries, and under the Fair Credit Reporting Act ( FCRA ), I am requesting their immediate removal. I have reviewed my records and confirmed that I did not apply for credit or authorize One Main Financial to access my credit file on these dates. 

Please investigate this matter and remove these unauthorized inquiries from my credit report. I have attached a copy of my credit report with the disputed inquiries highlighted for your reference. 

In accordance with the FCRA, I expect a resolution within 30 days. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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Company response to consumer: Closed with non-monetary relief