vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Effective early XXXX XXXX, I was shopping online for a vehicle. After numerous email communications with XXXXXXXX or .XXXX XXXX XXXX XXXX a deal had been agreed on with the later found out was fraudulent : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX County Phone XXXX ( XXXX ) XXXX Email : XXXX  Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX I transferred funds from my XXXX XXXX account by way of these steps : Obtained a cashiers check from XXXX XXXX so as not to be having the cash laying around. After we agreed that I wasn't comfortable with a wire transfer ( all communication between myself and XXXX XXXX XXXX XXXX XXXXXXXX is verifiable via email, text messages and voice messages ), XXXX XXXX emailed me an invoice for the vehicle I had chosen, after several months of shopping. The invoice included their BofA account information so that I could deposit cash for the transaction. I went back to XXXX XXXX and cashed my cashiers check on XXXX and then on XXXX deposited the XXXX XXXX funds into their BofA account. The manager at BofA verified the account, accepted my deposit, and provided me a deposit receipt. After XXXX XXXX asked for my XXXX ( which showed him my age of XXXX ) for verification I sent him a copy he emailed me several more times indicating their accountant approved the sale, and provided me with a picture of the vehicle in a big rig, the ( supposed ) drivers contact information and XXXX. Additionally, he continued to email me for a few more days congratulating me on the purchase, etc. When the XXXX passed, I attempted to call the driver. Each time I called ( XXXX ) I received voice mail. I did leave messages. I attempted to contact XXXX XXXX, to no avail. No more return calls or responses to my emails. On XX/XX/XXXX I went to BofA to ask for my XXXX XXXX XXXX back. They said no. BofA provided a business card for XXXX XXXX XXXX XXXX. I called him a few times over the next few days, but each time I got his voice mail. He never returned my call. I filed police reports with XXXXXXXX XXXX ( VA ) 's XXXX  dept, ( XXXX XXXX ) my local law enforcements, XXXX XXXX, BofA 's social media online option. I filed an escalation report ( XXXX. XXXX XXXX XXXX is the case manager ) with XXXX XXXX to assist, to collaborate with BofA 's risk loss/management dept to recover my funds. Those cases are pending. I have reached out to consult only with an attorney to assist. However, being afraid of yet another fraud, I have not moved forward with that. I am trying to ensure no stone/option is left unturned. I also plan to contact XXXX to see if they can assist.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
So i am in the XXXX and on XX/XX/XXXX my unit and I got sent to XXXX XXXX for a 9 month rotation. So as of that date ive been here in XXXX. On XX/XX/XXXX I was charged XXXX USD split between XXXX XXXX dollar charges and XXXX XXXX dollar charges to various places in Pennsylvania. The charges show up as XXXX XXXX XXXX XXXX  ( Pennsylvania location ). From the charges i was able to see the charges came from four different Pennsylvania locations. I disputed the charges with Chase as it could not have been me since I am across the XXXX and am from XXXX XXXX, stationed in Colorado, on rotation in XXXX. Never having ever been in Pennsylvania. I explained it over the phone with chase and soon after i got a message saying that the transactions were authorized and no adjustment to my account would be made. ( Also im not sure why but its not letting me attach the document of the charges and the digital letter i received from chase stating no changes would be made after review )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) and Experian for knowingly reporting and verifying a {$3900.00} collection account that is legally invalid, unverified, and disavowed by the original creditor. On XX/XX/XXXX and XX/XX/year>, I sent XXXX certified Debt Validation Letters to XXXX, requesting a copy of the original lease, a full itemized breakdown, a statement of account, and proof of legal assignment. XXXX failed to validate the debt and only provided a XXXX-year lease and a vague summary of charges. On XX/XX/year>, I issued a Final Notice, citing violations under the FDCPA ( XXXX U.S.C. XXXX ) and FCRA ( XXXX XXXX. XXXX ( b ) ), and demanding deletion of the tradeline. Most importantly, I obtained written confirmation from XXXX at XXXX XXXX Apartments via email, letter, and BBB correspondence clearly stating that they never placed the account with collections, and can not verify this debt exists. Despite all this, Experian continues to report and mark the tradeline as Verified and Updated as of XX/XX/year> ( Report XXXX. XXXX ). This is not only a violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ), but it constitutes fraudulent credit reporting, as the bureaus have been given documented proof the information is false and unverifiable. I am demanding the immediate and permanent deletion of this tradeline from my credit reports, written confirmation from both Experian and XXXX that the account has been removed, and a full explanation of what documents Experian relied on during their reinvestigation. If this matter is not resolved, I will escalate to the FTC, the State Attorney General, and initiate legal proceedings under FCRA XXXX and XXXX for willful noncompliance, actual damages, and punitive relief.

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 2025-07-30 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:
In XX/XX/XXXX, I discovered that my monthly student loan payment had increased tenfold, from approximately {$37.00} to {$400.00}. Upon logging into my MOHELA account, I found a notification indicating that I had missed my IDR recertification deadline. This was the first time I had received any notification regarding the need to recertify.

Prior to this discovery, I received no communication from MOHELA, via phone, email or postal mail, reminding me of the upcoming recertification deadline or informing me of the consequences of failing to recertify. I have no issues with the IRS, as I always receive a letter in the mail when actions are required. This lack of notification constitutes a significant failure on MOHELA 's part to properly service my loan.

As a result of MOHELA 's negligence, I have been forced to make several payments at the inflated rate of {$400.00}, totaling {$1600.00}. This represents a substantial financial burden, as my income has not increased proportionally.

I contacted MOHELA multiple times via phone and secure messaging to address this issue, but my attempts to resolve the problem have been unsuccessful. I have received no substantive response or resolution from MOHELA. 

Furthermore, I filed a complaint with XXXX on XX/XX/XXXX. I received an automated email response on XX/XX/XXXX, stating that I would receive a response within 15 business days. To date, I have not received any communication from XXXX regarding my complaint. I sent a follow-up message on XX/XX/XXXX, which also went unanswered. 

Desired Resolution : I am requesting that the CFPB investigate MOHELA 's handling of my account and take appropriate action to rectify the situation. Specifically, I request the following :

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I took this loan out in XXXX which was supposed to be secured with a vehicle, however, I do not own a vehicle, my husband owns the vehicle, and I believe they committed fraud knowing I was the loan holder ( my husband is not anywhere on the loan ) but they used his vehicle as collateral. I am only one month behind and they keep texting and harassing me they will repossess the car. It is a XXXX XXXX XXXX ( book value {$3000.00} ) and they gave me credit far exceeding the value of the car. One Main Financial account number XXXX NJ license plate XXXX, owner XXXX XXXX, not XXXX XXXX. I believe they are predatory lenders and do not follow the law regarding securing a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
ChexSystems Called My Dispute Frivolous Then Quietly Changed My Report From XXXX to XX/XX/year>, I submitted documented disputes to ChexSystems regarding inaccurate banking inquiries from XXXX XXXX Bank and XXXXXXXX XXXX XXXX XXXX. What followed was a masterclass in contradiction : - ChexSystems labeled my dispute frivolous, but also claimed a reinvestigation was underway. 
- They modified my consumer report without explaining what changed. 
- They said the banks confirmed accuracy but provided no documentation or evidence. 
- They told me to contact the banks directly, evading their obligation to properly investigate under the Fair Credit Reporting Act ( FCRA ). 

Their letters undermined each other : some dismissed my concerns outright, others showed report revisions, all without meaningful disclosure. This evasive strategy obstructs consumer rights and accountability. 

Consumers shouldnt need a legal degree to correct false entries especially when the reporting agency redefines frivolous to mean factually inconvenient.

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 2025-07-30 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am disputing two collection accounts reported by LVNV Funding LLC that are being falsely reported as open under my name. These accounts allegedly originated from XXXX XXXX XXXX, but I have never received proper validation of either debt.

LVNV Funding is reporting both accounts to all three major credit bureaus ( Equifax, Experian, and TransUnion ), despite failing to provide sufficient documentation proving that I legally owe these debts. I requested full validation under the Fair Debt Collection Practices Act ( FDCPA ) including original signed agreements and an itemized breakdown of charges and never received a response.

These actions violate the following federal laws : 15 U.S.C. 1692g ( b ) failure to validate debt upon request 15 U.S.C. 1692e false or misleading representation of a debt 15 U.S.C. 1681s-2 ( FCRA ) furnishing inaccurate or unverifiable information to credit reporting agencies These unvalidated accounts are damaging my credit and causing me financial harm. I am requesting that both accounts be immediately removed from all consumer reporting agencies unless LVNV Funding can provide full, legal proof that I am responsible for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am formally filing a complaint with DILLARDS/CBNA regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy.

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
I originally contacted GoodLeap in order to receive justification and or corrections to my billing with XXXX XXXX after realizing that I was charged {$25000.00} for one day of labor. GoodLeap and an attorney both agreed that the amount of the overall project was well above what should be charged for this project. To date I've not hear back from XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX - 2025XXXX 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 2025-07-30 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
There was no prior approval or expectation for these questions. Please respond immediately and analyze the documents.

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 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am a victim of identity theft since XXXX. My personal information was stolen, and fraudulent bank accounts were opened in my name without my knowledge or consent. As a result, Early Warning Services has reported negative information about me to banks and financial institutions. 

This has caused all banks to deny me the ability to open checking or savings accounts. I have submitted formal dispute letters and identification, but I have not received resolution. I request that Early Warning Services conduct a full investigation and remove all negative entries caused by identity theft, so I can regain access to basic financial services.

Company response to consumer: Closed with explanation