vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am reporting a collection account placed on my XXXX credit report by Credence Resource Management on XX/XX/year> for a balance of {$380.00}. This debt is inaccurate and invalid. I only had XXXX account with XXXX XXXX, and I paid the balance of {$140.00} in full to XXXX XXXX XXXX on XX/XX/year>. I have the payment receipt and bank transaction to prove this. 

Credence claims this is a different account, but I only ever had XXXX XXXX account and never received any supporting documentation for a second. I requested debt validation via email twice on XX/XX/XXXX and XX/XX/XXXX and received no response. Instead, they continued reporting the alleged debt without validation. 

On XX/XX/year>, XXXX responded to my dispute by claiming the debt was for a " different '' XXXX XXXX account than the one I paid. However, I have only ever had XXXX XXXX account, and they still provided no documentation or validationjust a statement relayed from the creditor. They then stated they would cease communication with me, leaving the issue unresolved and the account still reported to XXXX. This is a violation of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I was in a shop called XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX in Massachusetts, on XX/XX/year>, getting a facial the was offered as included in a purchase I made in XXXX. Instead of an actual facial, I got a two-hour high-pressure, rushed and aggressive sales pitch. As I grew more exhausted and confused, I said a number of times that I needed to leave, as I was recovering from a concussion I had sustained in a car accident. I told them that I was tired and worried about driving in traffic. When I left, I had XXXX bags of merchandise, and a loan with Affirm , Inc. of XXXX XXXX, a loan that I did not authorize. There was no contract outlining the terms of the loan. I was told it was without interest. I was not told that the purchase was a final sale, nor did I see any signage to that effect. I signed a receipt that said nothing about a loan. I went back to the store and attempted to return the materials XXXX days later, and they refused. Now I owe Affirm almost {$5000.00} in payments over the next year. I have contacted both XXXX XXXX XXXXXXXX and Affirm , Inc., and have not gotten anywhere. I am XXXX XXXX XXXX. This has been the most stressful, unpleasant, difficult retail experience I have ever had. I am prepared to return the items. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Found out during a Credit Report that i was in again in collections over a disputed debt from XXXX XXXX  XXXX back in XX/XX/XXXX. I was placed in collections over this dept last year by a different company, i was unable to resolve it with them after explaining the issue and i filed a complaint with CFPB ( # XXXX ) I was contacted by Credence Resource Management by phone several times. I spoke with a gentleman who was very hard to understand. He kept asking me personal questions, i asked if this was about a debt from XXXX XXXX XXXX and he said he could not answer my questions until i answered his, i told him it was not my debt and hung up. When i found out i was in collections again i went to their website and there is no place to dispute the debt. Here is the issue, The debt is not mine and it was a mistake that XXXX XXXX  XXXX made with XXXX and i never received the services they were charging for. We had a bundle with home phone, internet and XXXX XXXX with XXXX XXXX XXXX. After we canceled the XXXX XXXX XXXX stated they had already sent the payment to XXXX and we were responsible for that payment. We never had a contract with XXXX so all payments always went to XXXX XXXX XXXX. When we discussed this with XXXX XXXX XXXX they asked us to just pay the bill and then XXXX would issue us a gift card for the {$73.00}. I told them they made the mistake, we canceled the service and they should go to XXXX themselves and get the credit. We went back and forth with them for several months and then never heard anything until i was placed in collections in XXXX. After filing the complaint against them they ended up dismissing the debt and removing it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NJ

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

These are the accounts that I have marked as inaccurate : 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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have attempted to use PayPal credit via PayPal with three different merchants ( XXXX, XXXX, and XXXX ). I HAVE 16 pending transactions due to me trying REPEATEDLY to use the account that I applied for and got approved for. I AM VERY DISAPPOINTED, FRUSTRATED, DISGUSTED, ANGRY, and IRRITATED. Per XXXX, supervisor with the PayPal credit customer security team, there is no way to know when I can use the PayPal credit account nor do they know the merchants I can use the PayPal credit account. Also, he says he is unsure when I will be able to use the credit account being that it's up to PayPal to decide if they want to pay the transaction or not. THAT IS NOT what I applied for. THAT IS WHAT PAYPAL SAYS ON THIER WEBSITE FOR PAYPAL CREDIT : " PayPal Credit is an open end ( revolving ), reusable line of credit thats built into your account with PayPal. With PayPal Credit, you can enjoy the flexibility to pay over time for everyday purchases. Its easy to apply, easy to use, and there whenever you need it. '' No where in that statement says when they feel like it or when they want to approve it. I would like a member of senior management to pull ALL calls from the XXXX through XXXX and a phone call to discuss my account. I should be able to use this account when I want as long as the merchant accepts PayPal. I want an apology from XXXX in the credit customer security team and PayPal. I WANT A PHONE CALL BY THE MOST SENIOR MANAGER AND A FIX TO THE ISSUES I AM HAVING WITH MY PAYPAL CREDIT 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 2025-04-12 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: TX

Complaint narrative:
I am filing this complaint regarding a child support tradeline reported by the Office of the Attorney General that is still appearing on my Equifax credit report, even though it has been deleted by both XXXX and XXXX. 

The account was reporting from XX/XX/XXXX through XX/XX/XXXX and is no longer listed with the other two major credit bureaus. I believe Equifax is reporting this information inaccurately and inconsistently, in violation of the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), which requires all information in a consumer report to be accurate and not misleading.

I have previously disputed this item with Equifax and provided proof that the account was removed from the other two bureaus, but they continue to report it. This discrepancy is damaging to my credit profile and creates confusion with lenders reviewing my file. 

I am requesting that the CFPB review this matter and assist in having this account removed from my Equifax credit report so that all three reports are consistent and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I would like for the credit bureaus to please check and removed this 2 accounts which are the same and are reporting on my credit report twice which are not my accounts and I have no knowledge of them, this are fraudulent accounts opened with identity theft in another state. Please removed this accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have found in my XXXX  brother 's papers an uncashed cashier 's check - # XXXX dated XXXX in the amount of {$66000.00} made out to XXXX XXXX ( my deceased uncle ) or my deceased brother, XXXX XXXX XXXX issued by XXXX XXXX  along with a letter from XXXX XXXX XXXX Executive Vice President, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX wrote the above mentioned check " represents funds recovered from the state on your behalf including any applicable interest earned. '' I brought this check to Bank of America ( BOA ) in XXXX, NJ  on XX/XX/XXXX and spoke with XXXX XXXX, Vice President, Financial Center Manager ; she directed me NJ Unclaimed Property Administration ( NJUPA ), I entered a search request with NJUPA - # XXXX on XX/XX/XXXX ; they requested additional information which was provided on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX from NJUPA who stated and later put in an email to me that the monies held by NJUPA were paid to XXXX XXXX  on XX/XX/XXXX ; she advised me to return to BOA and question them on the matter. I spent about 2 hours at the BOA in XXXX with XXXX XXXX, Senior Bank who earnestly attempted to find answers with the other departments of BOA but no records were found ; she stated the bank records were only available for the last 7 years and that I should re-contact NJUPA for more information on the transaction. I returned home, called XXXX XXXX at NJUPA on XXXX again who transferred me to XXXX XXXX ( XXXX XXXX ) who re-explained that NJUPA paid XXXXXXXX XXXX on XX/XX/XXXX, that NJUPA does not have the funds and that BOA needs to further investigate cashing the above mentioned check. I filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XX/XX/XXXX and also with the NJ Department of Banking. The OCC wrote me a letter dated XX/XX/XXXX, assigned Case # XXXX to this matter, identified it as a factual dispute and suggested that I see legal assistance if I wished to pursue the matter further. The state of NJ explained the BOA is regulated by the OCC and your agency. I am requesting your assistance at this point and will also be seeking legal assistance.

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 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank strata premier credit card. I accepted a balance transfer offer where I paid a 5 % fee to transfer a balance at XXXX interest. Subsequently I used the card in other transactions when I received my statement I was charged interest on the subsequent transactions. When I spoke to the Citibank, they told me there is no way to pay off those subsequent transactions and I would be charged 29 % interest on them until the entire balance transfer is paid off. When I complained, I was told its in the terms and conditions. I saw the XXXX interest offer. I saw the fee charged, but this clause about interest mustve been buried somewhere. So, I have no recourse with Citibank. In my mind, they tricked me into paying high interest with a XXXX interest offer.

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 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
My Cash App account has been locked for over XXXX months. I was told I needed to verify my identity to regain access, but the app never allows me to submit my verification. As soon as I try to verify, it immediately fails with a message saying Failed to verify, before I can even upload my ID or submit any information. 

Ive contacted Cash App support multiple times, and each time they say the issue is being escalated to the appropriate team. I followed every instruction given, but the issue still persists. Most recently, support told me my complaint has been documented and that no new action can be taken unless I provide new informationwhich is impossible, since Ive never been allowed to provide any in the first place. 

I am being locked out of my own account with no access, no ability to verify, and no real support. Im requesting that Cash App either resolve the technical issue preventing verification or restore access to my account. 
This has been ongoing since XX/XX/year> all the way to currently now, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Received a call XX/XX/year> from woman claiming to be calling about someone trying to make charge on my husbands XXXX XXXX card by the name of XXXX. Told her we didnt know anyone by that name. Then she said it looked like someone was trying to get into our checking account and she would need to transfer me to the fraud department. Then this man said that they would need to delete the XXXX XXXX so the person trying to get into our account wouldnt be able to. He then asked if I had a IPhone and I said, yes. He asked if he could call me on my IPhone so they could delete the card on my XXXX & XXXX. So he started working on deleting the card. During the entire phone conversation he kept repeating how important it was not to tell anyone because this was a FBI investigation and not to alert anyone because it would ruin the investigation. Then he said a FBI agent was opening an account for my husband and I at another bank. That I needed to withdraw cash from our account to protect our money. He told me to go to the bank where my husband and I have our account and withdraw {$18000.00} in cash. He said if I had an ear piece to wear it while I was getting the money out and not to say anything because I could mess up the investigation. I did as directed. Then he asked how close was I to Wells Fargo in XXXX XXXX  I took it there and he told me to deposit in the ATM at Wells Fargo in XXXX XXXX. He called from XXXX # XXXX We bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ATM receipt acct # XXXX customer card number XXXX. I removed my 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 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AZ

Complaint narrative:
XX/XX/year> - I need my 1098 form to file taxes and try to log into Mohela account. The system tells me my login info is incorrect. I try to reset password and when I enter my SSN and DOB, I am told this " doesn't match the records. '' There are no other options to gain access. 

Between yesterday and this morning, I make approximately a dozen phone calls to a variety of numbers, and spend hours trying to different menu options. When I indicate that I need help logging into my account, I am directed to the same website which I need to log into. There appears to be NO way to speak to an actual person. I scanned all the tricks and tips I could find on the Internet. I am certainly not the only person who has had this problem, and any suggested remedy did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
I became 30 days delinquent due to the XXXXXXXX XXXX XXXX  in XXXXXXXX XXXX I lost valuable items and had to relocate in which sent me into financial hardship. I am asking the creditor to reverse my 30-day late payment due to these circumstances. I am trying to buy a home, and the reporting is affecting that process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Card was used at convenience store then about XXXX mins or so later I began to get charges from XXXXXXXX XXXX XXXX & I reached out to Chime & was told it needed to settle first. I filed a police report & they needed to vendor 's information but even after settling Chime couldn't provide any information to me. Sent via email a copy of police report & disputed & dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-12 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Unauthorized Hard Inquiries on My Credit Report Dispute Ignored by Credit Bureaus Complaint Description : I am submitting this complaint regarding multiple unauthorized hard inquiries that are currently listed on my credit reports with Experian, Equifax, and TransUnion.

I never authorized these inquiries and I believe they were either made in error or without my consent. Following the dispute process under the Fair Credit Reporting Act ( FCRA ), I sent formal dispute letters to each of the three credit bureaus explaining that I do not recognize these inquiries and requesting their immediate removal. 

Despite my request and providing supporting documentation, the inquiries remain on my reports, and I have not received a proper resolution or explanation from the bureaus. 

These inaccurate inquiries are negatively affecting my credit score and financial credibility, and I am requesting the CFPBs assistance to ensure that these are fully investigated and removed if they are found to be unverifiable or unauthorized.

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 2025-04-12 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: PA

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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