vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX is reporting me as late/charged off/past due even though my balance with this account is reflecting and showing {$0.00} balance and has been for some time now as it pertains to all 3 of my credit reports.

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 2025-02-15 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: AL

Complaint narrative:
I recently received a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts as soon as possible because 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 non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This agency was notified that via certified mail as well as by email that the debt they are trying to collect from me is invalid. The original creditor was indeed paid and i submitted all supporting documentation to prove so. Futher more i was never even given the oppurtunity to dispute this debt before it was placed on my consumer report. accorinding to the FCRA i am suppose to recieve a five day written notice via mail or electronically and that NEVER happend. This company has violated my consumer rights and I will be seeking litigation for the emotional stress this has cause me in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
Constant harassment by same company for over 10 years with new increased amount owed every time. new lawyer, new debt collector, new ect. same corporation and its literally been XXXX years!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have put in NUMEROUS disputes with XXXX because they seem to mix mine and my TWIN brothers information. They have his personal information under mine, his social security number is under mine and his Capital One credit card account is also under my name. Ive had a recent issue with them before with a previous credit card and now I am going through this again after just getting the other account taken off after A YEAR. I am not happy that information is being mixed and my credit is being messed up because of it! Same goes for XXXX and XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: AL

Complaint narrative:
I recently received a copy of my credit report and noticed fraudulent accounts on my credit report. Please remove these accounts as soon as possible because 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
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I got an email at three in the morning no prior notifications saying that my account was closed. My funds are there to feed my children. I cant get the money out and theyre saying I could get the money out after XX/XX/XXXX. Its XX/XX/XXXX. Its my money. I have proof that its my money not sure why I can not get it out And they do not want to close my account any sooner they are holding my money.

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 2025-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I have long been in the REPAYE plan, now the SAVE plan and was issued a letter from MOHELA when the injunction was placed surrounding the operations of the SAVE plan. This letter stated with specificity that my loans were being placed into an administrative forbearance as litigation continued and during this time until resolution was reached, there would be no payments owed and interest rates would be set to 0 % ( no accruing interest during this time ). My MOHELA account summary reflected that.

However, this week I was notified by my credit monitoring vendor that my total loan status had increased by several thousand dollars in interest on my loans, yet I have no current repayment plan through SAVE as it continues to be litigated. 
MOHELA account still shows my owed payments as {$0.00} but the interest rates of 0 % have been changed. 
The core tenet of the SAVE plan was a monthly payment one could afford and if paid monthly it waived the remainder of accrued interest. I have no way to pay thousands of dollars in interest to keep up with this and this is not what the lender indicated would be the situation. My credit is now falling and this is unacceptable. 

I would like a resolution of this and reinstated 0 % interest as outlined in the document from MOHELA for this administrative forbearance litigation period and I want any accrued interest in this period that is now showing waived so as not to continue to damage my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally report and dispute unauthorized accounts that have been fraudulently opened under my name. On XX/XX/year>, while reviewing my credit report through XXXX Credit Bureau, I was shocked to discover that three accounts had been opened at Chase Bank without my knowledge or consent.Upon identifying this fraudulent activity, I immediately attempted to contact Chase Bank for clarification. However, my calls were repeatedly transferred between departments, and eventually, the calls were disconnected without providing any resolution. As a result, I filed a dispute with XXXX Credit Bureau, yet Chase Bank responded by stating that the information was correct. While the personal details may be accurate, these accounts were opened fraudulently, constituting a clear case of identity theft. 
Details of the Unauthorized Accounts : The accounts were opened at XXXX, DE XXXX, a location I have never visited. 
I have no relatives or connections in this area. 
Two accounts were opened and closed without my knowledge or consent. 
The third account remains open with a balance of {$220.00}, which I am not responsible for. 
This fraudulent activity is a serious concern as I have been diligently building my credit history for the past eight years, and these unauthorized accounts negatively impact my credit score and financial reputation. Requested Actions : Immediate removal of these fraudulent accounts from my credit report.

A thorough investigation into how these accounts were opened without proper identity verification. 
Written confirmation that my credit report will be corrected and that I am not responsible for any charges related to these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Complaint Against Wells Fargo Failure to Trace a Returned Refund. 

On XX/XX/XXXX, I made a {$710.00} payment to XXXX via XXXX using a Visa card ending in XXXX, which was linked to my Wells Fargo Bank XXXX. account. In XX/XX/XXXX, I canceled my reservation, and XXXX issued a refund on XX/XX/XXXX. 

My Wells Fargo account was already closed at the time of the refund. Per Wells Fargo 's policy, any transactions to closed accounts should be automatically rejected and returned to the sender ( XXXX ). 

However, XXXX insists that the refund was processed successfully on XX/XX/XXXX, while Wells Fargo claims the refund was never received or processed. To resolve this, XXXX provided me with a trace number for the refund transaction so that Wells Fargo could locate and confirm the returned funds. 

Despite multiple requests, Wells Fargo has refused to trace the refund using the trace number, stating that they can not assist me since I no longer have an account with them. Additionally, Wells Fargo incorrectly filed a dispute on the original XX/XX/XXXX payment instead of investigating the XX/XX/XXXX refund issue. 

Attempts to Resolve the Issue. 

( 1 ) Contacted Wells Fargo multiple times and provided XXXX 's trace number, but they refused to investigate the refund. 

( 2 ) Wells Fargo misfiled a chargeback claim on the original XX/XX/XXXX payment, causing unnecessary delays. 

( 3 ) I remain stuck between XXXX and Wells Fargo, with each company blaming the other, while my {$710.00} remains missing.

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 2025-02-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I noticed a fraudulent charge on my bank account to XXXX for {$640.00} on XX/XX/year>. I immediately called and filed a claim with Wells Fargo. The charge overdrew my account as well, and I was told I would not need to worry about overdraft fees. 

My claim was denied on XX/XX/year>. When I contacted them today ( XX/XX/year> ) I was told my claim was denied because I had previously used XXXX and I was told to try and get the charge dropped by XXXX. This purchase is not on my XXXX account. It was a purchase made by someone else on another XXXX account using my debit card. Wells Fargo has failed to investigate the claim thoroughly, and now they are not only denying the initial claim, but they have charged me a {$35.00} overdraft fee 5 times ( totaling {$170.00} ).

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 monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RFNA, LP
State: OH

Complaint narrative:
Received information from an attorney regarding a pending lawsuit against me for this unknown debt that I never applied for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices.which violate the customer financial protection act ( CFPA ) specifically cash app failure to take timely and effective measures to prevent and fraud on their platform leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redoes for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
XX/XX/year> over {$5000.00} was withdrawn from my Cashapp account and cashapp said there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-02-17 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-c ( Cancellation of Debt ) for the following charged off accounts listed below. 
Truist bank account # XXXX After checking my most current report, the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account and the XXXXXXXX XXXX account that is linked to it.

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 2025-02-17 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
Started seeing credit problems after credit breaches from XXXX. I cancelled XXXX card but false information continiued to go on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being. 

Immediate action is expected.

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