vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that Experian, Equifax, and TransUion to block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within XXXX ( XXXX ) business days of receiving this request. 
The fraudulent accounts and inquiries include : [ List the accounts, collections, and hard inquiries with account numbers ] I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer XXXX credit report. 
I expect Experian, Equifax and TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Fair Resolution :

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they ended up there. When I reviewed my report as I normally do, I noticed these unexpected discrepancies. I even refreshed my browser, thinking it might be a technical error, but the issue persisted. Since the inaccurate information remains, I kindly request a thorough review of the documents Ive submitted to resolve this matter permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive reviewed a copy of my report and noticed fraudulent activity on my report. Please remove accounts from my credit report it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. Remove the following inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. Remove the following inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I refinanced my home and the title company withheld taxes and insurance when the taxes and insurance have been paid. I have attached XXXX and XXXX Mortgage statements. As you can see on the XXXX statement near the top right under account overview there is {$9400.00} in the escrow account. XXXX statement added another {$1100.00} to the escrow account, totaling {$10000.00}, which leaves more than enough to pay the taxes due. I've paid the whole year 's insurance on the property. I requested that Mr. Cooper not take additional tax payments out of the loan amount and requested the Escrow account pay them. Mr. Cooper refused. I've now asked several times to close my escrow account, refund my money and they refuse to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WV

Complaint narrative:
Federal student loan serviced by Mohela is currently in administrative forbearance and should not be accruing interest. However {$950.00} of interest has been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MN

Complaint narrative:
My student loans were all XXXX by total permanent discharge/ XXXX. XXXX  is still reporting these loans on my credit report despite providing them the documentation. I have attempted to contact them and they have deferred me to XXXX who is not reflected on my credit report at all and I have contacted them and they have referred me back to navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello all, please see supporting correspondence for my complaint.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank XX/XX/year> - recieved e-mail about Account closed due to fraud. No calls or questions about any fraudulent activities on the account closed right away. 

XX/XX/year>- went to local branch to get my remaining funds ( this was written on the email saying i can wait for the check in the mail or go to a local branch to get it sooner ). Banker said they can't do anything since the account is being processed to be closed already and advised me to call the number on the email instead.

called fraud department ( number that was on the email ). They said branch can release funds but the branch have to call back office first. 

Went back to same banker and asked for him to call back office to request the funds. Back office says they can't do anything as well just wait to be mailed within 60 days. No timeline or estimate time. 

XX/XX/year> - called fraud department again asking for any update about my funds. Says to go to branch to ask for funds. i told her I already been to the local branch and they said no. She said to just wait for the check in the mail. No tracking number yet so check hasn't been mailed yet XX/XX/year> - called fraud department again to ask for another update and they said it's still processing and there's still no tracking number yet so check hasn't been mailed yet. 

XX/XX/year> - called fraud department for an update. Representative said account is now FULLY CLOSED as of XX/XX/XXXX. She said they should mail it anytime now since it is fully closed. She also advised to go to the local branch to get it sooner if i wanted to. I told her what had happened prior saying the local branch and back office said they couldn't do anything to release the funds. She reassured me that they can do it and even said to call back fraud department on the day i go to the local branch so she could advise them to release the funds. 

XX/XX/year>- went to local branch and asked for my funds. They said the same thing they said the first time, they couldn't do anything to release the funds. They gave me a different number to call. I called asking for my funds, the representative only told me to write a letter to Citibank to ASK for my funds. I called fraud department again, as they advised me to call them when I'm at the branch, but this time they said they couldn't do anything NOW that the account is fully closed. I told him that the representative prior to him who I called just 2 days before reassured me that I can get my remaining funds and to even call them so they can advise the local branch to release it, but now he's saying that it's not accurate information and to just wait for the check to be mailed

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal & financial information was compromised, violating FERPA. I am requesting full cancelation of student loan debt attached to my SSN.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal & financial information was compromised, violating FERPA. I am requesting full cancelation of student loan debt attached to my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal & financial information was compromised, violating FERPA. I am requesting full cancelation of student loan debt attached to my SSN.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-04-16 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: TX

Complaint narrative:
I believe weak fraud systems from with in Cash app has created pain and suffering on the user end ( me ). I love Cash app and have never abused it. Nothing about my transactions screams fraud. I would like Cash app to tell me which transaction was deemed as illegal gambling. I have checked with all the people I know who use Cash app and none of them have experience this issue like I have. I thought after sometime Cash app would realize what they did was wrong and fix it however that is not the case. My account is still closed. Please provide real evidence or tell me what is going on. Oh and when giving the opportunity to appeal the decision give me a link that actually works not a fake link. The learn more link in my closed cash app account doesn't allow me to learn more because the link is bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Hello so I got a phone called from someone who calmed to be a Apple Card frad dept and then they asked me for my Apple ID and then have the nerve to take my phone number out and Ive talk to Goldman Sachs about my account and said there was nothing they can do about it and then Ive tired to talk to Apple support to see if they can unlock my account,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing the FTC identity theft to report XXXX separate fraudulent accounts, appearing on my consumer file credit report, which I do not recognize as reported in which are the results of identity, theft and fraud. These fraudulent accounts consist of credit cards open between the years of 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 inquiries and fraudulent collections appearing on my consumer XXXX credible report XXXX, XXXX motor XXXX. I Demand the aforementioned fraudulent items be removed from each of my consumer credit report and that all collection activities related to said items cease pursuant to my rights with the FCRA and FDCPA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint Regarding Deceptive and Confusing Practices by Best Buy Credit Card XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Best Buy 's credit card ( issued by Citibank ) due to what I believe are misleading, confusing, and unfair practices related to their promotional balance offers. 

In XXXX, I paid off the entire balance on XXXX of my promotional accounts. Unfortunately, I did not take a screenshot of my account showing the balance as paid at that time. To my surprise, in XXXX, I was charged over {$1000.00} in deferred interest on that same promotional account. I contacted customer service, and after much effort, they agreed to reverse the interest charges. However, they required me to send an additional {$500.00}, even though I had already paid the full promotional amount on time. 

More recently, I had another promotional balance set to expire on XX/XX/year>. I took special care to pay off the entire balance before XX/XX/year>, and this time, I saved a screenshot showing a XXXX balance on that specific promotional account. 

To ensure that the payment was correctly applied, I used the allocation function, which, according to their system, first applies the payment toward minimum amounts due across all balances, and then applies any remainder to the designated promotional balance. I did this because Best Buys system otherwise applies payments to lower-interest or smaller balances first, not to the balances closest to expiration, which defeats the purpose of planning for these promotional terms. 

Despite my effortsand after making a {$1000.00} payment toward that specific balance on the last statementI was shocked to see that {$780.00} in deferred interest was added to my account. I called customer service again, but was told there was nothing they could do and that this is how the system works. 

I find these practices not only deeply frustrating but also misleading and abusive to customers, especially those who are doing everything possible to comply with the terms. It appears that Best Buy 's credit card system is designed to obscure the rules around promotional balances, penalizing consumers despite timely payments. 

I respectfully request that the CFPB investigate this matter and look into the application of payments, promotional balance terms, and whether these practices comply with fair lending and consumer protection laws. 

I am happy to provide documentation including screenshots and payment records upon request. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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