vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 COLLECTIONS : 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 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 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 non-monetary relief
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 COLLECTIONS : 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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I was scammed by a fraudulent seller who tricked me into paying through XXXX for goods that were never delivered. I used my Chase XXXX XXXX XXXX credit card to make the payment through XXXX, believing I was making a legitimate purchase. 

The date was XX/XX/year> an the amount was for {$1200.00}. I'm attaching a screenshot of the invoice as well as the transaction. 

The seller falsely claimed to be a trusted XXXX merchant selling XXXX neck massagers. After I made the payment, they provided a fake shipping company ( " XXXX XXXX '' ) that does not exist. They later demanded additional money for a " brand license '' and " insurance, '' which is a well-known scam tactic. 

I contacted my credit card provider Chase Bank, to dispute the charge and request a chargeback. However, they wrongfully categorized this as a " cash advance '' and refused to investigate. This is not a cash advanceit was a fraudulent transaction where the seller misrepresented their business, scammed me, and never delivered my goods. 

XXXX also refused to help, stating that personal transactions are not covered under their protection policy. However, I was misled into paying through XXXX by a fraudulent business, making this a clear case of deceptive trade practices. 

I am requesting that my bank ( 1 ) properly investigate this charge, ( 2 ) process a chargeback due to fraud, and ( 3 ) stop mislabeling XXXX payments as " cash advances '' to avoid issuing refunds to victims of scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
There has been a breach of my information. 
There is some student loan debt that has been added to my credit report that is not mine. 
When I look at XXXX it shows Mohela XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Different amounts. When I call the number listed for Mohela/XXXX you have dialed a number not available from your calling area. All the numbers from the reports have different numbers. I would like to include code 15USC1681 in my report. I have called XXXX and they refer me to call the loans places directly. I was also mailed a tax form from Mohela that states I paid over {$10000.00} more in loan interest than the amount the woman from Mohela said I paid. I looked up my Mohela account on their website and the form I was sent from Mohela, and the form I was sent to do my taxes has different Recipient TIN numbers, and different addresses as well apart from the amount of interest supposedly paid. But, they both have the last XXXX digits of my social on BORROWERS TIN. This information sent to me is under my old last name XXXX which I have not used for XXXX years. Yetthe form sent to me has that too ( though Mohela has no idea about it because they say that they dont know who sent me the paper. 
So, someone has breached my information. Please help!!! 
Im tired of waiting XXXX hours on hold to talk to someone without answers!! Then I get transferred for XXXX hours again because they dont have the answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: BTH Management
State: NC

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  Subject : Debt Validation Request Pursuant to the FDCPA Dear Plaza Services , LLC, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay.

6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 
Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. XXXX XXXX, XXXX account number- XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: MI

Complaint narrative:
Purchased a XXXX from Harley Davidson Financial, state law requires full coverage on anything financed, they put XXXX insurance on it. Accident occurred and insurance would not cover any damages. Now Harley Davidson Financial has charged off the account but yet failed to send me form 1099C so I can file with the IRS and pay the taxes to release the lien. Also still reporting a balance when they wrote it off on their taxes as a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : 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 XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

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 2025-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax and Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: NC

Complaint narrative:
This location denied me service for when I was sick and now they add a random amount to my credit history. Ive never had bad marks on my credit reports and they never gave me a warning or explanation on why they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> i had a credit card show up at my home in my name from capital one ( I myself have no credit or have ever had a credit card ) so I end up calling capital one and speaking with a supervisor and explaining my situation well after them asking for all my information turns out the email was different then mine so they ask for any emails I suspect it could be ( my mother has a past of doing this ) so I gave them her email XXXX and they said that was the email provided so I have made a police report and I have been requesting a copy of the application since XX/XX/year> and they are refusing to give me a copy cause I am not a police officer I think I'm entitled to a copy of it being the victim in the situation I'm just wanting my questions answered cause I deserve to know if someone around me is trying to steal my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
Nothing is taken. An account is opened under my name. They sent a physical card to my address to activate. I called the bank to close the account, they demanded for birth date or last 4 digits of my SSN, which I refused to provide. They hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
As permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the disputed entries and correct any errors. Below, I have listed the specific items I dispute, along with the reasons for the dispute : XXXXXXXX XXXX XXXXXXXX Account XXXX XX/XX/year>. Please investigate these discrepancies and provide me with written confirmation of your findings. If the disputed information is found to be inaccurate or unverifiable, I request that it be removed or corrected promptly in accordance with the requirements of the FCRA. Under 15 U.S.C. 1681i, you are required to complete this investigation within 30 days of receiving this dispute. Additionally, I request that you provide me with a copy of the results of your investigation, including any updates or corrections made to 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 non-monetary relief
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
Personal information leaked in a data breach Account that are not mines XXXX leaked Bank accounts leaked

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 2025-03-02 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: IL

Complaint narrative:
Personal information leaked in a data breach Account that are not mines XXXX leaked Bank accounts leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I made a self credit builder account, was able to complete process early 100 % and all payments posted succeeded and then was given a date for when I was going to be getting my pay out as promised on XX/XX/year> all the money I put into the app I was suppose to be getting back at the end of the term which did not happen, I have email and also spoke to a agent have proof that he congratulated me and said I was going to be deposited my pay out which is XXXX before XXXX on the XXXX of XXXX XXXX  that didn't happen cause I got a email stating in order to go ahead I need to supply a bank statement which is ridiculous I was already approved and my account 100 % and payments succeeded nothing pending and was already scheduled a pay date. This is really frustrating cause I was looking forward to that money, I have bills and rent dude and now im behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Received a promotional rate of no interest 1 year from XXXX XXXX XXXX Synchrony Bank for a sofa purchase in XXXX. Paper statements initially, then an email noting a charge of {$2.00} for paper statements. So I opted for emails, which in the beginning were helpful but became a nuisance because they were overlooked with other junk emails I was unable to control. 
A paper statement was perfect- paid the bill the day I received it in the mail. 
The late fee charge is {$39.00} and a suspicious interest charge of {$2.00} monthly which has totaled now to {$150.00}. If I was getting paper statements, I would have seen the FIRST late fee and made a note of it to prevent any future ones. The email reminders do not state previous payments either which is also a problem. I called to speak with someone about removing the late fees and putting me back on paper statements- they said no and also stated the {$2.00} fee per statement remains in effect if that option is selected. 
The emails have never stated previous payments or late fees incurred. Seems like they want you to sign up for AUTO-PAY which I feel is a gimmick to have control over your bank 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