vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
I repeatedly asked the server to send documentation regarding this loan. The servicer sends XXXX page in the page for XXXX loans and then closes the case out. A single signature page does not validate the debt for XXXX loans that are XXXX XXXX XXXX and have been transferred to multiple servicer. 

I have requested the following : Under the Fair Debt Collection Practices Act ( FDCPA ), you have the right to request debt validation from a debt collector. 
This means the collector must provide you with proof that I owe the debt, including information about the original creditor.

Chain of Title Documentation : Original Creditor Information : Name and contact details of the original lender.

Account Number/Debt Identification : A unique identifier for your debt with the original creditor. 

Assignment Agreements : Documents that formally transfer the debt from one party to another.

Bill of Sale/Purchase Agreements : Proof of purchase if the debt was sold.

Complete Chain : Documentation that shows the debt 's journey from the original creditor to the current collector. 

I have not received this. 

I also requested a debt verification letter. 

Proof that the debt truly belongs to you The amount and age of the debt The debt collector 's debt collection license A copy of the last billing statement sent by the original creditor Documentation that there's a valid basis for claiming you're required to pay the debt to the current creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: NV

Complaint narrative:
I am reaching out regarding a charge of {$10000.00} on my account. I have been trying to speak with someone about this matter, as I never used the insurance provided through the school. When I inquired about canceling it, I was informed that the school did not have the appropriate contact information to do so. As a result, my current balance reflects this charge, which I believe is the main reason why my school debt is {$10000.00} instead of the expected {$4000.00}. 

I also asked if it was possible to set up a payment plan or make a partial payment, but I was told that the minimum payment would need to be between {$1000.00} {$2000.00}. Unfortunately, I do not have the financial means to make payments of that size. I can currently afford only $ XXXX per month. 

Additionally, I had a very difficult experience speaking with both the school and your collections representative. I felt that the representative was extremely rude and made me feel as though I was being dishonest. She stated that a notice was mailed to me on XX/XX/XXXX, but I did not receive anything until XX/XX/XXXX, which I confirmed by checking my mailbox. 

This entire situation has been incredibly overwhelming. I reached out to both parties seeking help, but instead of support, I felt dismissed and pressured to simply pay the full amount without any resolution or assistance. 

I would like to formally dispute the charges associated with the insurance and express my concerns regarding how I was treated throughout this process. I am respectfully requesting that this matter be reviewed and that I be given a fair opportunity to resolve it with a manageable payment plan and proper support. 

Thank you for your time and understanding. I look forward to your response. 

Sincerely, 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received a notification that there was a new inquiry on my credit report from XXXX XXXX XXXX. I did not recognize the inquiry nor did I apply for any products or services around that time so I called to dispute this inquiry. After calling and placing the dispute, I was told by XXXX XXXX to wait 90 days until the matter was resolved. I asked about this fraudulent inquiry being removed from my credit report with Trans Union, XXXX XXXX XXXX  and I was told that XXXX  XXXX will reach out to the credit bureaus on my behalf to notify of the fraudulent application. I waited about XXXX weeks after the 90 days had passed and called XXXX XXXX back, and I was told that the application was in fact deemed as a fraud application, but no action was taken in regards to communicating this to the credit bureaus as of yet. I then requested that be done and I was told that they would reach out to the bureaus in XXXX to XXXX business days. I waited a week after that and even called several times after and was told by Trans Union and XXXX  that no communication was ever received from XXXX  XXXX and in order to get this inquiry removed from my report I would have to send in an FTC report.

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 2025-05-16 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: TX

Complaint narrative:
On XX/XX/year>, I received a notification that there was a new inquiry on my credit report from XXXX XXXX XXXX. I did not recognize the inquiry nor did I apply for any products or services around that time so I called to dispute this inquiry. After calling and placing the dispute, I was told by XXXX XXXX to wait 90 days until the matter was resolved. I asked about this fraudulent inquiry being removed from my credit report with XXXX XXXX, Equifax, and XXXX  and I was told that XXXX  XXXX will reach out to the credit bureaus on my behalf to notify of the fraudulent application. I waited about XXXX weeks after the 90 days had passed and called XXXX XXXX back, and I was told that the application was in fact deemed as a fraud application, but no action was taken in regards to communicating this to the credit bureaus as of yet. I then requested that be done and I was told that they would reach out to the bureaus in XXXX to XXXX business days. I waited a week after that and even called several times after and was told by XXXX XXXX and Equifax that no communication was ever received from XXXX  XXXX and in order to get this inquiry removed from my report I would have to send in an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have tried to dispute my claim TWO TIMES with Chime Bank regarding my item not being delivered to me by XXXX with the amount of {$330.00} with the claim number # XXXX and an appeal case # XXXX and both were denied with the blatant response without actually giving any information or documents that they received or have to come to the resolution. I have provided so many documents and contacted the merchant 2 times with the same response that they are unable to give me a refund and I have to dispute this with my bank which is chime, which I did. The claim was opened and I attached the supporting documents so itll help with the claim process. I had to wait 30+ days for the resolution and they denied me for no reason saying that its based on the information they found which I find a lie because I attached the deactivation email, the email responses from 2 representatives from XXXX including the text and email of my order placed and cancelled. I believe they just denied my claims because its such a high amount. I appealed because I believe that their resolution is unfair so a representative opened an appeal case. 2+ weeks later the claim was denied AGAIN. With the same boring response from this company. I dont know what to do anymore because I cant let this $ XXXX go since its my OWN money. At this point if this financial institution/bank will not give me my money or give me a proper resolution I would rather open a small claims with my local civil court with CHIME and would request the higher amount for the almost 2 month wait and would submit in the attachments to the court. I dont want to do that but I would rather take the hassle if Chime doesnt rightfully fix this claim. 

Attached is the evidence I submitted for the claim which clearly states XXXX is at fault and Chime refused on helping me with this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-16 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
There is hard inquiries on my credit report that is didnt Authorize

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 2025-05-16 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
There is hard inquiries on my credit report that is didnt Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I was scammed into authorizing a {$610.00} credit card charge. Within an hour, I realized the transaction was fraudulent and immediately contacted Discover to report it. Rather than walking me through the dispute or chargeback process, the representative only advised me to freeze my card. I followed their instructions in good faith, trusting that this would stop or recover the charge. 

I later learned that Discover never initiated a chargeback and denied my fraud claim, stating that the transaction was considered authorized due to an extra verification step I completed. However, I was clearly manipulated by a scammer and acted promptly to report it. I was not informed of my rights or options at the time, and I believe I was misled during a critical window where recovery might have been possible. 

When I asked for an explanation as to why the dispute was denied, Discover provided only a string of unlabelled numbers with no context or supporting documentation. They did not explain what those numbers represented, nor did they offer evidence that I knowingly approved the charge or understood what I was authorizing. This does not constitute a sufficient investigation or valid resolution under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-16 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: NC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-05-16 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.

Complaint narrative:
On XX/XX/2025 my XXXX XXXX XXXX XXXX XXXX  was hit by a tornado and it was destroyed. XXXX XXXX XXXX cut us a check for {$27000.00} for the inside restoration. We were informed that the mortgage company had to sign this check as well and then send it back to us. They have had this {$27.00}, XXXX since the end of XXXX and we have no response. I have tried calling and you can not get through their automated system and the automated system hangs up on you because it can not compute such an issue. At this point we are scared because we are afraid that the {$27.00}, XXXX is lost to some sort of ponzi scheme being utilized by this company. If we can not get this money for the restoration my mother in law will be in breech of condo restrictions and by laws and they will assess her monthly damage and non-compliance fees as XXXX other units were affected and they are on schedule. The whole unit has been gutted to the studs, it is a complete restoration and in its state does not even warrant an occupancy permit. We are really stressed out about how we are not able to contact a representative from Mr. Cooper mortgage and scared that they have just taken the money and ran so to speak. Any help that you could offer would be much appreciated. We have contacted all parties involved and let them know the difficulty we are having, but they will only work with us for a period of time. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation