vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
I noticed an amount of {$2400.00} worth of debt from XXXX XXXX on the date of XX/XX/XXXX. I have reason to believe I do not owe this debt because I believe you have me confused with a different person there is another address listed on my credit report that is not mine, I lived at the same place since XXXX. I tried disputing that same day waited for a response and it got denied and resolved XXXX XXXX with no information providing why or how to fix it. By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. The Fair Credit Reporting Act also requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 
I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
I noticed an amount of {$2400.00} worth of debt from XXXX XXXX on the date of XX/XX/XXXX. I have reason to believe I do not owe this debt because I believe you have me confused with a different person there is another address listed on my credit report that is not mine, I lived at the same place since XXXX. I tried disputing that same day waited for a response and it got denied and resolved XXXX XXXX with no information providing why or how to fix it. By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and corrected on my credit report in order to show my true credit history. Fair Credit Reporting Act requires that bureaus report only accurate credit information, therefore every step must be taken to assure the information reported is completely accurate and correct. The Fair Credit Reporting Act also requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 
I request all of the following information be provided to me by mail : XXXX. The amount of the alleged debt ; XXXX. The full name and mailing address of the original creditor for this alleged debt ; XXXX. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ;

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 2025-06-09 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: TX

Complaint narrative:
I filed an identity theft report and submitted it to all three major credit bureaus : XXXX, Experian, and Equifax. XXXX  properly reviewed my claim and removed multiple fraudulent accounts from my credit report. 

Experian and Equifax, despite receiving the same documentation, failed to take appropriate action. They continue to report inaccurate and fraudulent accounts, which are damaging my creditworthiness. 

I am requesting that the CFPB require Experian and Equifax to immediately remove all fraudulent and inaccurate information from my credit report without further delay or reinvestigation.

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 2025-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc.
State: CO

Complaint narrative:
On XX/XX/year>, at XXXX XXXX  XXXX, I was scheduled to take delivery of a Tesla XXXX XXXX at Teslas XXXX, CO Delivery Center. Upon inspection, I found visible rear paint damage. Tesla staff verbally acknowledged the defect but refused to provide any written documentation of the issue or the repair plan. 

I declined delivery due to the defect and the lack of formal repair documentation. I was then told by Tesla staff that if I refused a second delivery even if the issue remained I would forfeit my {$250.00} deposit. This was framed as non-refundable and used to pressure acceptance. 

I also attempted to trade in my leased vehicle ( financed by XXXX XXXX XXXX ). Tesla and XXXX gave me conflicting information about the lease structure, trade-in value, and ownership responsibilities. No formal documentation was offered to clarify. 

I contacted Teslas lease return department, requested written confirmation of the defect, and later filed complaints with the XXXX  and the Colorado Attorney General. 

I am seeking CFPB support to investigate Teslas and XXXX leasing practices, use of deposit threats, and lack of transparency in trade-in and vehicle condition handling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
My bank account has been hacked so many times since last year, Ive won some of the disputes, but not all. Im out almost {$3400.00}. They were able to get on my phone and computer to hack in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
This account dose n't belong to me Fraudulent account ACCOUNT NAME : XXXX XXXX ACCOUNT AMOUNT ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/year> credit karma decided to close my spend account for {$.00} after I didn't have the account for years. I was waiting on my tax refund to be deposited into my spend account on credit karma and they knew that because they got the notification that I used credit karma as a depositing system for my money. So a few days before it was time for the IRS to send the money out they decided to close the account for {$.00}. causing a delay for me to receive my refund after I waited 5 months from the IRS. I know that they're not responsible for the IRS delays but it was just the fact that they received the notification that I was going to receive the refund into the account and they decided to close it anyway. Then they thought by telling me that they will send me a check XXXX to XXXX business days that that would help. This has now caused more trauma on my situation because I have to wait extra days to get my bills paid when I already waited XXXX  months from the IRS to release my refund. I don't understand what was the reason they couldn't wait on XXXX cents to be deposited into the account. They stopped me from being able to make any deposits to pay off the negative balance and then told me I had to have a check deposit and wish that was the only check that will come in I had lost my job and instead of them waiting just a couple more days for the money to come in they closed the account causing more trauma. I really need assistance with this because I can't afford to sit here and wait another XXXX to XXXX business days when I'm facing the issues I'm facing thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful reporting by XXXX XXXX XXXX XXXX, and their original creditor, Advance Financial. The account in question originated with Advance Financial and was later placed with XXXXXXXX XXXX. After reviewing both companies complaint responses ( XX/XX/XXXX ), I have identified multiple legal violations under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and Tennessee consumer finance law.

1. Excessive Fees After Default Advance Financial confirms my last payment was on XX/XX/XXXX, which under the contract means I was in default shortly thereafter. XXXX XXXX shows the charge-off date as XX/XX/XXXX, and lists {$2900.00} in fees, with no itemization or breakdown. Under Tenn. Code Ann . 45-12-111, fees may not be charged after default. These fees appear to have been assessed between XX/XX/XXXX and XX/XX/XXXX violating state law. 

2. Balance Exceeds Legal Credit Limit The original credit limit was {$3800.00}, yet XXXX XXXX  reported a total balance of {$6600.00}, combining {$3500.00} in principal with {$3100.00} in interest/fees. This far exceeds the original limit and is not supported by any lawful or transparent calculation, violating FCRA 623 ( a ) ( 1 ) and TILA.

3. No Payment Application or Itemization My {$410.00} payment on XX/XX/XXXX has not been properly accounted for. Neither XXXX XXXX  nor Advance Financial has provided a ledger showing how this payment was applied under the contracts required order ( interest fees principal ). This raises concern about improper accounting and inflated balances. 

4. Misleading Responses Advance Financial claims no additional fees were charged by XXXX AI, yet XXXX XXXX own documents show the fees were already present before they received the account. This highlights the lack of oversight and transparency by both parties. 

5. FCRA and TILA Billing Violations Despite multiple disputes and formal complaints, I still have not received a complete and accurate itemization of how my final balance was calculated, in violation of my billing rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OneMain Finance Corporation
State: DC

Complaint narrative:
On XX/XX/year> ive notice unauthorized inquiries on my XXXX consumer report which is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
My student loans have been in forbearance with zero interest. I recently checked my loans and abruptly several thousand dollars of interest were added in a months time by my service provider Mohela. I have made attempts to contact them by phone and online portal, though they haven't gotten back to me. I've attached an image of where my loans were in XXXX of XXXX and where they are now in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX is a debt collector who communicated with me everyday since XX/XX/XXXX attempting to collect debt on behalf of Crown Asset Management LLC ( Acct number ending XXXX ) who purchased debt of {$380.00} on XXXX XXXX account number ending * XXXX and/or * XXXX. Crown Asset Management previous debt collector was XXXX XXXX XXXX XXXX XXXX ( see attached CFPB Complaint ID XXXX ). I've informed XXXX XXXX XXXX that this is a fraudulent account and fraudulent purchase from " King Size '' catalog - sandals. The below information was extracted from card statements provided in the attachments which were mailed to me on XXXX, XXXX ; by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. The charges consists of : XX/XX/XXXX - KING SIZE CATALOG PURCHASE - CATALOG - SANDALS- {$80.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX - LATE FEES - {$29.00}, {$35.00}, {$40.00} & {$40.00} INTEREST CHARGES - {$2.00}, {$2.00}, {$3.00} & {$4.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - LATE FEES - {$41.00}, {$41.00} & {$41.00} INTEREST CHARGES - {$5.00}, {$6.00} & {$7.00} Additionally, these statements show my address in Ohio which I've not lived at since XXXX. This has been ongoing and needs to stop. It is unreasonable for me to inform every debt collector Crown Asset Management hires of this fraud related debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
i basically went to go get grillz and turns out i got scammed all along. i filed a dispute on XX/XX/XXXX and still havent gotten any refund or response from cashapp yet at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not give expressed Written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX. Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a credit card opened by the company CAPITAL ONE without my knowledge in XXXX. I had to contact the company in order to delete the account and credit card. On XX/XX/XXXX CAPITAL ONE hard pulled my credit without my consent nor knowledge and it was reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Upon checking my credit report, I was very displeased to find an unknown derogatory account reported to my credit report from your company. I owe this debt. I do not have a contract with I C System , Inc that links to an account with your company. Therefore, this account does not belong to me. After requesting proof of this alleged item, specifically the contract, note, any other instrument bearing my signature, and a copy of the purchase agreement. My request was not honored.

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 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/year> I intended to send {$4500.00} via Cash App for goods and services rendered to me by a tree cutting service. 

There was an issue looking up the correct partys account, and I accidentally sent the money to the incorrect account. I immediately requested a refund and contacted Cash App customer support before the funds left my bank. 

Cash App took note of my account details, the incorrect party, and the correct partys, then stated they could offer no help in retrieving the funds. They also denied to offer any contact details so I could reach out to the incorrect party directly. 

The incorrect party individually denied my request and blocked my Cash App account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: GA

Complaint narrative:
Hard inquire not made by me this is a result of fraud or impersonation on my credit XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : 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 2025-06-08 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: DC

Complaint narrative:
On XX/XX/year> ive notice unauthorized inquiries on my transunion consumer report which is 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 2025-06-08 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: CT

Complaint narrative:
Inquiries on my Transunion and equifax that did not have my permission to have put on my credit report, the information needs to be removed and i have also put a freeze on my file

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 2025-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), outlines rules regarding communication between debt collectors and consumers. It prohibits debt collectors from contacting consumers in certain ways and times, and it mandates that they cease communication if requested by the consumer.

I dont recognize that company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I purchased a vehicle and financed it thru wells Fargo in XXXX. Around XXXX I was inquiring about my loan and was told I still owed quite a bit of money on the loan which was not correct. I told wells fargo I would look into the matter. A couple of weeks later my title arrived in the mail. I was working on my tax transcript for tax purposes and at that time discovered that the company had sent a 1099c to the IRS that my debt has been canceled for the sum of {$33000.00} for the year XXXX.. I was never sent this form. A year ago I was sent a refund for services ( insurance ) I never asked for. I want this to be taken off my tax transcript rather than having to add this to my tax debt. This was done almost 10 years ago. I long have stopped banking with them.

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 2025-06-08 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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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