vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally report that I have been a victim of identity theft. An unauthorized individual fraudulently used my personal information to conduct hard inquiries on my credit report and falsely claimed me as a dependent on their tax return without my consent. 

I first became aware of this issue when I noticed unauthorized hard inquiries on my credit report and later discovered that my Social Security number had been used improperly for tax filing purposes. I did not authorize these actions, nor did I provide my personal information for such use. 

I am requesting that this matter be thoroughly investigated and that the fraudulent activity be corrected immediately. Additionally, I ask that any fraudulent inquiries be removed from my credit report and that the IRS take the necessary steps to rectify the false tax filing. 

XXXX XXXX NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
GOLDMAN SACHS BANK USA They are reporting an account under my social that is not mines. 
I already filed a law sue. 

Case number # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: CL Holdings LLC
State: CA

Complaint narrative:
incorrect iformation given to credit report and is hurting my credit and would like it to be fixed. I did not give concent to this collection agency to report my information. Need to be fix asap Help me make them a letter to take off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
XXXX i have never attended any school or university nor have i ever applied for a student loan. i am not responsible for any student loans that were made in my name. XXXX needs to remove these fraudulent accounts from my credit profile immediately as they are result of identity theft. I do not authorize XXXX to use my personal information nor my social security number. 

XXXX. I have never received any loan from XXXX XXXX XXXXXXXX. i have never signed any documents with this company nor have i ever met with this company. this is a result of identity theft and this account needs to be removed from my credit profile immediately. i do not authorize XXXX XXXX XXXX to use my personal information nor my social security number.

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 2025-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
CFPB, I am writing to bring to your attention an issue that I am having with Greenline Loans and the lack there of transparency that has come from then. This morning, I received an email from the consumer settlement attorney, who informed me that I was entered as a plaintiff in a lawsuit against several loan companies, XXXX was one of those companies. They collected money from me, for a loan that I took out in 2023, and now the settlement attorney informed me that my debt was canceled. This was not something that I was aware of. XXXX didnt inform me about any lawsuit, I got this from a 3rd party company. The email from the attorney will be included in this complaint. Im not too happy that they have not been forthcoming or honest with me about this. Please CFPB do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 error 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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
I have these negative accounts. I wan na challenge the ownership rights to these accounts. They need to be removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
I have these negative accounts. I wan na challenge the ownership rights to these accounts. They need to be removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
On XXXXXXXX XXXX, I was making a payment with customer service representative when I asked about any programs that can help me with me my payments because I was 2 months behind and she offered me the loan modification. She gave some details about the loan and how it helps me get caught up. So, I asked can I speak to a supervisor because I need more details about the loan modification and he proceeded to tell me that, that was only option that I had and they didnt know how much the payment was going to be until i submitted my paperwork. So once I submitted the paperwork, I noticed that the payment was higher than my actual payment before the loan modification and I asked him, if Im struggling with the {$1700.00} payments, then he said that theres nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Basically I just needed enough time to get a job that allows me to pay my bills and my student loans at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a formal written notice requesting validation of debt. See attached letter for requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint against Experian due to their repeated failure to properly investigate and remove inaccurate information on my credit report. Despite multiple disputes and providing sufficient documentation, Experian has either failed to respond adequately, improperly verified inaccurate accounts, or continued reporting incorrect information that is negatively impacting my credit profile. They have also been involved in a recent data breach that has exposed my information to whomever seeks to obtain it. This is unacceptable and so not safe. It also violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, CFPA 12 U.S.C. 5536, & File No. 2025-CFPB-0002 ) Experian has a history of failing consumers in this regard, as evidenced by multiple lawsuits filed against them for their unfair and deceptive credit reporting practices. One notable lawsuit is United States, et al. v. Experian Information Solutions , Inc., where Experian was accused of misleading consumers and failing to correct credit report errors. Their pattern of negligence has caused significant financial harm to consumers, including myself. 

I am requesting immediate action from the CFPB to ensure Experian complies with the Fair Credit Reporting Act ( FCRA ) by conducting a proper investigation, removing inaccurate information, and preventing further harm to my credit profile. 


XXXX XXXX XXXX ( XXXX )XX/XX/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 2025-03-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX i have never attended any school or university nor have i ever applied for a student loan. i am not responsible for any student loans that were made in my name. XXXX needs to remove these fraudulent accounts from my credit profile immediately as they are result of identity theft. I do not authorize XXXX to use my personal information nor my social security number. 

XXXX. I have never received any loan from XXXX XXXX XXXXXXXX. i have never signed any documents with this company nor have i ever met with this company. this is a result of identity theft and this account needs to be removed from my credit profile immediately. i do not authorize XXXX XXXX XXXX to use my personal information nor my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: FL

Complaint narrative:
XXXX i have never attended any school or university nor have i ever applied for a student loan. i am not responsible for any student loans that were made in my name. XXXX needs to remove these fraudulent accounts from my credit profile immediately as they are result of identity theft. I do not authorize XXXX to use my personal information nor my social security number. 

XXXX. I have never received any loan from XXXX XXXX XXXXXXXX. i have never signed any documents with this company nor have i ever met with this company. this is a result of identity theft and this account needs to be removed from my credit profile immediately. i do not authorize XXXX XXXX XXXX to use my personal information nor my social security number.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to notify you of Fair Credit Reporting Act ( FCRA ) violations on my credit report and to request the immediate correction of these errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to notify you of Fair Credit Reporting Act ( FCRA ) violations on my credit report and to request the immediate correction of these errors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
As per the Fair credit reporting act, bureau are mandated to report accurate and verified information about me. I recently reviewed a copy of my credit report and noticed that I am a victim of identity theft. I noticed a wrong address on my Consumer report. I never lived at this address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). As a consumer I'm demanding a deletion of this address from my consumer 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 2025-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I initiated a loan modification, and during this process, the company began reporting late payments to the credit bureaus. As a result, they are now reflecting my account as being three months behind, which has severely damaged my credit. This has led to all my credit card issuers drastically reducing my credit limits by 90 %.

As part of the loan modification, I was required to make three trial payments, which I completed as agreed. Despite this, the company continues to report inaccurate information. When I contacted them in XXXX for clarification, they provided a vague response, simply stating that they must report to the credit bureauswithout offering any resolution. 

If they reported accurate information, my credit would reflect my on-time payments as per our agreement. Instead, due to their failure to report correctly, my credit score has dropped by over XXXX points. 

This feels like a deceptive practice designed to intentionally lower your credit score, making it difficultif not impossibleto refinance your mortgage with another lender for years.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: TX

Complaint narrative:
Ive had my identity stolen on numerous occasions from various companies data breaches. I have account that were open in my name from XXXX that I didnt open. I had two companies garnish my wages and when I ask for proof only one removed the garnish which was XXXX XXXX but yet it remains on my file and the other was XXXX XXXX for the sum of over $ XXXX which they took from my wages without proof and illegal served papers that I never signed for or present for.

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 2025-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I requested a payment plan on my balance of {$10000.00} that had an outrageous down payment of at least 40 %. I was not provided any documentation on my outstanding balance or where it originated from. This communication took place in XXXXXXXX XXXX XXXX. This is keeping me from pursuing my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All of these companies are refusing to make my information accurate. It is MY consumer report not theirs. It is my information if something about me is not right it fair for me to fix, again I control what goes in MY report. They also refusing to show me which is ILLEGAL they are fighting with me and giving me a hard time.

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( PERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. 
On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights.

To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. 
I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was debunked by USAA. 

I sold my shares from the company I was working for and the first that I did when I received my money in my USAA checking account was to pay my debts. I called USAA on XX/XX/year> to let them know I will be making large payments to my creditors and debt collectors. 

I also transferred funds to my XXXX XXXX XXXX XXXX checking account, XXXXXXXX XXXX XXXX and XXXX checking account. 

USAA proceeded to restrict my account and informed me they are closing my accounts and I can no longer bank with them ever again. 

USAA also called XXXX, XXXX, and XXXX XXXX XXXX XXXX and told them to freeze my money. 

All I did was pay my debts and transfer funds to my other bank accounts so that I can save and invest the remaining amount. I did not do anything wrong or unlawful and debanking me has caused financial hardship due to my funds being frozen in my other accounts. Even my employer direct deposit for my payroll/paycheck are being frozen. I cant even pay my bills because of this.

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 2025-03-15 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: FL

Complaint narrative:
Yes there Are Fraudulent Inquires that is on my report they are unauthorized XXXX shoud not be there XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

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