vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
Trying to use American Express gift card on XXXX website. Entered card number correctly, but when entering the Security code, it said that was incorrect and I could not proceed with transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding a debt collection attempt that I believe is inaccurate. The company attempting to collect the debt has provided an amount that I do not recognize and believe to be incorrect. 

I have made multiple attempts to contact the debt collection agency to resolve this matter, but I have been unsuccessful. They have not provided an email address for written communication, and I have called several times without receiving any response. 

I am requesting that this matter be reviewed, as I am unable to resolve the issue directly with the collector. Please advise on the next steps or any additional information I need to provide. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
The dates range from XXXX to XX/XX/year>. 
The amounts of each transaction vary ; however, Huntington Bank would give me a printout of information and would say, take this to the vendor. 

I have been called out of my name on many different occasions and denied access to my account when I wanted to make a withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ).

My personal information was compromised in the XXXX  data breach, and I am a confirmed victim of identity theft. I did not open or authorize the accounts listed below, and they are the result of fraudulent activity. The fraudulent accounts have caused significant harm to my credit and financial well-being. 

Once again ( My personal i lnformation was comprised in a data breach, and i have reasons to belive that the negative accounts currently reported on my credit file may bethe result of identity theft or unauthorized use of my information. This information has caused significant harm to my credit. My personal information was compromised in a XXXX  data breach. engagement number is XXXX As required under Section 605B, I have included the following : 1. A copy of my FTC Identity Theft Report, detailing the accounts fraudulently opened in my name.

2. A copy of my government-issued ID and proof of address ( if required ).

3. A list of the fraudulent accounts to be blocked and removed. 

Accounts to be Blocked and Removed : XXXX XXXX XXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$3200.00} XXXX XXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$200.00} XXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$38000.00} XXXXXXXX XXXX XXXXXXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$2000.00} XXXX  XXXX Account Fraud Discovered : [ No date available ] Please block/remove based on identity theft report Under FCRA 605B, you are required to block all information related to the fraudulent accounts from my credit report within four ( 4 ) business days of receiving this request and the supporting documentation. 

Please send me written confirmation once these accounts have been removed. If any additional documentation is needed, feel free to contact me at the number or email above. 

Thank you for your prompt attention to this matter.

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 2025-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had locks on XXXX  and XXXX  but I had fraudulent attempts the pull credit reports for like Car loans or credit cards etc On XX/XX/XXXX and XX/XX/XXXX had credit inquiries from XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX none of which were from me or that I recognize. I Did place a freeze in XXXX. I had 2 moths previously had a fraudulent account openned at XXXX XXXX, which has been closed. Thet are investigating. XXXX  said that in order to dispute I had to file a reprt with FTC which lead me here and then I had to physically mail something to them. Even this sounded weird. I did nonetheless notify them these were not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
A XXXX party company has been calling us trying to collect debt but I asked them to send to send the writing that says they legally own the debt and can collect. I asked them to send the information in XXXX of 2025 and they have not sent anything and have not removed the collection from my credit history and it has severely impacted my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: SC

Complaint narrative:
This company put a charge off on my credit and they said it was from loan they got from another company.The other company apparently went out of business and I had paid them before the went out of business.I requested a copy of the loan contract and they said they would send it but never did and I asked equifax and transunion to verify this account and they didn't make them prove it but just said they said it's yours and they have different balances with different credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
The interest was never explained to me. My payments are {$330.00}. Ive been paying for XXXX year and only {$52.00} has gone to the principal! I started owing {$20000.00} and I still owe {$20000.00}. I need this ridiculous interest lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Case XXXX We received no compensation from this CFPB Court Order Original loan XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) serviced the loan. We had XXXX properties put into bankruptcy due to value reduction caused by the recession following the XXXX XXXX collapse in XXXX. In Bankruptcy, the court ordered that no esdrow was to be charged because we had a blanket insurance policy covering all our houses. XXXXXXXX XXXX  demanded that we pay escrow. We paid so that we could keep our home. We sent a Demand letter to XXXX demanding that they comply with the bankruptcy order, refund the escrow money paid, and stop collecting it. XXXXXXXX XXXX complied, but XXXX year later, they were absorbed by Nationstar. Nationstar demanded that we pay them the money that XXXX had paid to us, and pay escrow for the past year at an amount almost twice what the escrow was before, and pay an additional year in advance. They said that if we did not do that, then they would foreclose on our home. We filed for bankruptcy. The court gave us XXXX year to sell our house, which we did, but Nationstar interfered with the closing. They then lied to the court, citing caselaw incorrectly, and forced us into a XXXX XXXX XXXX The bankruptcy court gave them immunity for lying. We lost almost XXXX XXXX dollars in property and income as a result of their actions. Our home was foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnLast 4 of SSN: XXXX  XXXXBureau Name: XXXX XXXXBureau AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRecently, I did an investigation on my credit report and found several items on there to be inaccurate. \n\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency\nPrepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. \n \n15 U.S. Code 1681i (5) Treatment of inaccurate or unverifiable information (A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall (i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. XXXXThe following educational loans granted were to attend XXXX XXXX XXXX XXXX was a large-scale, predatory, low value, for-profit institution of postsecondary education. In the link above you will find substantial evidence documenting morally corrupt and illegal business practices of XXXX   this includes lawsuits, settlements, government investigations, new reports, revenue reports and testimony of former students and employees. \n\nBorrowers have continuously had to deal with the lifelong repercussions from a school that: \n(i)\tLied about graduation rates, job placement rates, and potential salaries on graduation\n(ii)\tLied about available grants, scholarships, and financial aid\n(iii)\tUnfairly targeted veterans and military spouses\n(iv)\tEnrolled students regardless of their qualifications and ability\n(v)\tMisled students about the actual costs of education at XXXX XXXXMisled students about accreditation and the transferability of credits\n(vii)\tLeft students without access to their transcripts and/or diplomas\n\n\nPlease remove the following 11 items from my credit report, immediately: 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 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 investigation on my credit report and found several items on there to be inaccurate. \n\nUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency\nPrepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. \n \n15 U.S. Code 1681i (5) Treatment of inaccurate or unverifiable information (A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall (i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. \n\nhttps://debtcollective.org/campaigns/student-debt/borrower-offense/argosy-borrowers-report/\n\nThe following educational loans granted were to attend Argosy University; Argosy University was a large-scale, predatory, low value, for-profit institution of postsecondary education. In the link above you will find substantial evidence documenting morally corrupt and illegal business practices of EDMC  this includes lawsuits, settlements, government investigations, new reports, revenue reports and testimony of former students and employees. \n\nBorrowers have continuously had to deal with the lifelong repercussions from a school that: \n(i)\tLied about graduation rates, job placement rates, and potential salaries on graduation\n(ii)\tLied about available grants, scholarships, and financial aid\n(iii)\tUnfairly targeted veterans and military spouses\n(iv)\tEnrolled students regardless of their qualifications and ability\n(v)\tMisled students about the actual costs of education at Argosy University\n(vi)\tMisled students about accreditation and the transferability of credits\n(vii)\tLeft students without access to their transcripts and/or diplomas\n\n\nPlease remove the following XXXX items from my credit report, immediately: \n\n1.\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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX florida XXXXXXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, * * This letter is being sent as an official notice regarding fraudulent and unauthorized inquiries on my credit file. These hard inquiries were made without my knowledge or consent, and as such, they constitute a violation of my consumer rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
As a victim of identity theft, I demand the immediate removal of the following * * unauthorized inquiries * * from my credit report, pursuant to * * FCRA 604 ( a ) ( 2 ) and 15 U.S.C. 1681b ( c ) * *, which prohibit access to a consumers credit file without a permissible purpose.

# # # Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entities had * * no permissible purpose * * to access my credit file under the law. These inquiries were made without my authorization and should be deleted immediately to comply with federal regulations. 
I have enclosed the following documents to support my request : * Proof of identity ( Government-issued ID ) * Proof of address ( Utility bill, lease agreement, etc. ) * Police/FTC Identity Theft Report * Copy of relevant sections of FCRA # # # Legal Basis : Under * * FCRA 604 ( a ) ( 3 ) * * and * * 15 U.S.C. 1681b * *, only those with a valid, permissible purpose may pull a consumers credit report. As none of these inquiries were initiated or approved by me, they are unlawful and must be removed.

Please complete your investigation within * * 30 days * *, as required by * * FCRA 611 ( a ) ( 1 ) ( A ) * *, and provide me with confirmation that these inquiries have been deleted. I also request a detailed * * Method of Verification * * for each inquiry you attempt to validate, delivered within * * 5 days * * of completion of your reinvestigation.

Failure to comply with this request may result in further complaints being filed with the following agencies and legal action : * Consumer Financial Protection Bureau ( CFPB ) * Federal Trade Commission ( FTC ) * State Attorney General * XXXX XXXX XXXX * Local Small Claims Court This is a formal and lawful demand. I reserve all rights to pursue statutory damages of up to \ {$5000.00} per willful violation under federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX 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 2025-07-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681B and I need them blocked and deleted from my report as soon as possible.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank keeps restricting my account due to my social security number claiming thats its not my social security number or they cant verify my ssn even after I gave them my social security card and they wont tell me why they were trying to verify my number for after I've had the account open for over a month now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I had applied and paid off a number of payday loans with this particular company and each time the loan was repaid. The very last time that I used the services of this company I had also been involved in a identity theft case which I reported to the XXXX XXXX Police department as well as the XXXX XXXX district attorney 's office and social services and I'm not sure if this has anything to do with that fraud case which happened back in XXXX I made a point to always go to to the store directly and make my loan payments on time so I'm not sure why this company says I owe them money and I certainly don't owe this debt collection company anything and I absolutely refuse to pay them. 
Cordially, XXXX XXXX XXXX

Company response to consumer: Closed with explanation