vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
This is the fourth time that I have been the victim of identity theft. I have tried calling multiple times to report fraudulent inquiries on my credit reports with all three agencies ( Experian, Equifax and TransUnion ). I have either been hung up on or they refused to remove the fraudulent inquiries that I did not authorize.

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 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball, Tirey and St. John LLP is a collection agency that is continuing to report on my credit reports and continuing to try and collect a debt that is past the dates for statute of limitations. I have requested that they stop but they continue to state that they are meeting FRCA requirements and laws which is not true. They have falsely reported to my mortgage broker that I owe this debt and I do not which prevented me from obtaining my home loan with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
Mohela took over managing the private student loan from XXXX. 

Then the payment doubled and the interest rate jumped to 14.5 % Key Issues Noticed : 1. Payment Reallocation On XX/XX/year>2024, Mohela made an Adjustment that shifted {$110.00} from principal to interest. This means less of my payment goes toward reducing the loan balance, increasing the total amount of interest I'll pay over time. 

2. High Interest Rate ( 14.5 % ) This is an unusually high rate for a student loan, under my previous servicer ( XXXX ) I had a significantly lower rate. 

3. Sudden Payment Increase My monthly payment doubled when MOHELA took over. 

4. Unauthorized draft These charges automatically came out of my bank that I hadn't given them permission to autodraft from and it also caused me overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I purchased a vehicle in XXXX via my company. No banking information was provided to XXXX XXXX of XXXX. The loan was with TD Auto Finance. My husband and I have a personal account with TD for over 10 years. My first payment is due on my loan on XX/XX/year>2025. Td Auto finance has attempted to draft money from my husband and my personal account on two occasions. We have reached out the bank and TD Auto finance and both tell us they are not doing anything with our personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MN

Complaint narrative:
All collections and charge off accounts needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EXPERIEN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me email to 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX known as Cash App, for lack of customer service deception and unfair practices, violating the Consumer Financial Protection Act. My account was unprotected due to Cash Apps negligence to timely address fraud, they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. All of their actions have caused me financial loss and have jeopardized my privacy due to their data break.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: OneMain Finance Corporation
State: NV

Complaint narrative:
I am filing this formal complaint against OneMain Financial for violations of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Dodd-Frank Acts Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions. OneMain Financial is in violation of FCRA 1681s-2 ( a ) by furnishing inconsistent and inaccurate information to credit bureaus. XXXX reports the account as " PAYS_AS_AGREED '' and " Closed, '' while XXXX and XXXX report the account as active with a {$5300.00} balance. As the data furnisher, OneMainnot the credit bureausis legally responsible for ensuring the accuracy and consistency of the information provided. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not delegate this responsibility to the credit bureaus. Any claim that XXXX is solely at fault would constitute a violation of OneMains duties under the FCRA.

FCRA 1681i ( a ) requires that furnishers conduct a reasonable investigation into disputed information. OneMain has failed to conduct a proper investigation despite multiple disputes, violating its reinvestigation obligations. The continued contradictory reporting across credit bureaus demonstrates willful non-compliance with FCRA standards, as OneMain has not corrected or reconciled the discrepancies.

I have paid over {$7000.00} on a {$6500.00} loan, yet the balance remains at {$5300.00}. This violates TILA 1639f, which mandates transparent disclosure of how payments are applied toward principal and interest. OneMains failure to provide a clear accounting breakdown violates both the spirit and letter of TILA. Additionally, this repayment structure traps borrowers in perpetual debt cycles, constituting an abusive practice under UDAAP, as defined in 12 U.S.C. 5531. 

The contradictory reporting across credit bureaus creates legal ambiguity regarding the status of the debt. Reporting the account as Closed and PAYS_AS_AGREED with a {$0.00} balance to XXXX while simultaneously reporting an active balance to XXXX and XXXX violates uniform data furnishing requirements under the Metro 2 Credit Reporting Guidelines, which are industry standards endorsed by the Consumer Data Industry Association ( CDIA ). Under FCRA 1681s-2 ( b ), OneMain is required to correct or delete inaccurate information following a dispute. Their failure to do so is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
Transunion continues to all XXXX XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XX/XX/XXXX released a lein but Marcus wouldnt let me collect my interest and took {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MA

Complaint narrative:
What Happened? 

I am filing this complaint regarding XXXX  for reporting inaccurate and unverifiable information on my credit file. 
This account was not authorized by me and was opened without my consent. 
The account is reporting a charge-off and past due amount, which is inaccurate. 
I have disputed this multiple times with Experian, Equifax, and TransUnion, but the incorrect reporting has not been removed.

Under FCRA 611, if the furnisher can not verify the accuracy of an account, it must be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
Dear CFPB, I hope this message finds you well. I am writing to formally dispute several items on my credit report, which I believe are incorrect and related to identity theft. Please find the details below : 1. Incorrect Address : My credit report shows an address at XXXX XXXX XXXX. I do not reside at this address. 

2. Fraudulent XXXX XXXX : There is a XXXX card listed with a balance of {$8400.00} and numerous late payments. This account is not mine, and my identity has been stolen. I am attaching a police report and other supporting information for your reference. 

3. Unauthorized Inquiries : My credit report shows several hard and soft inquiries from companies like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. 



I kindly request that these items be investigated and removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I XXXX XXXX is filing a complaint against Transunion and XXXX Account # XXXXwho is reporting a charge off on my credit profile. A charge off is considered a certificate of indebtedness which means it is income and must be removed. Per the IRS charge offs are considered income and the reporting of this account is prohibited. I'm writing to dispute inaccuracies on my credit report related to the credit card account # XXXX. This account is being reported as a charge-off despite indicating that the debt has been cancelled. Continued reporting of this debt as charged off is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ) also according to the FCRA income can not be reported on a consumer credit report so I'm requesting a 1099-C ( Cancellation of Debt ) for this charged off account. Transunion reported the account charged off from XX/XX/XXXX to XX/XX/XXXX at which time they then started reporting it as 90 days late in XX/XX/XXXX, then 120 days late for the months of XXXX, XXXX and XXXX of XXXX followed by reporting as charge off again in XX/XX/XXXX this is both misleading and inaccurate. A charge-off is a one-time occurrence, and reporting it as recurring violates FCRA regulations. Transunion removed the account for inaccuracies and then reinserted it as verified information which is also misleading. Transunion and chase is also reporting a credit limit which is illegal being this credit limit can't be used and the debt has been discharged. XXXX and XXXX has done proper investigations and have removed the account which I have provided information of that in the attachments and I respectfully request that transunion do the same. 

Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure all information is accurate and verifiable. Reporting a cancelled debt as charged off is inaccurate. 2. 15 U.S.C. 1681i ( a ) : The FCRA requires proper investigation and correction of disputed information. 


Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA )

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
L I am writing to formally document an incident of fraud involving my Cash App account. Despite my best efforts, I have been unable to recover my funds. 

In early XX/XX/2025, I discovered unauthorized transactions on my Cash App account totaling {$4500.00}. I immediately contacted Cash Apps customer service and followed their procedures to dispute the fraudulent charges. Unfortunately, after multiple attempts, I was advised to escalate the issue to XXXX XXXX XXXXXXXX for further assistance. 

Upon contacting XXXX XXXX XXXX, I was informed that they were unable to resolve the issue or recover the funds. This has left me without a solution, despite following the appropriate steps and providing all necessary information. 

The situation has caused significant financial distress, and I seek assistance or any guidance available to help resolve this matter. I am requesting that a formal investigation be conducted into this fraudulent activity to recover my funds. 

Please feel free to contact me for any further information or documentation required. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My grandfather and I have had the same numbers for 30 years. Someone has stolen our identity and charged a bunch of charges a credit card as well as literally added 3 phone lines and devices racking up a XXXX bill with XXXX XXXX XXXX also there was a credit card opened up in my grandfather 's name that he did not do either. We have reported it and all and nothing is being done. The marketplace insurance also calls my phone literally nonstop from numerous area codes pretending to be someone else and really their just foreigners stealing our information. This is unreal Someone needs to get with me ASAP!! 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 2025-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Somebody opened a credit card for GAP in my name without my knowledge and it is affecting my credit score.

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 2025-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
Transunion continues to allow XXXX XXXX to report incorrect data on my credit report. Instead of delaying payments as discussed. They are reporting past due amounts that are incorrect. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: AL

Complaint narrative:
I can't disbute report. 
Online no button for disbute. 
Phone call answering machine just hang off. 
No fax number give. 
No commission what do ever!

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One paid off charges off account ending in XXXX shows up on my Capital One app dashboard. I tried to get help from capital one but was unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
Disputing unknown Open accounts Requesting More information from company did not get anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
I am submitting this comment regarding the XXXX data breach, as I have personally experienced significant negative impacts on my credit report since the incident. Following the breach, I have noticed multiple unauthorized entries on my credit report, including : Hard inquiries that I did not authorize Collections accounts for debts I do not recognize Charge-offs that were never associated with my accounts Incorrect addresses added to my credit file Unauthorized credit cards opened in my name These fraudulent activities have severely impacted my credit score and financial security. I believe my personal information was compromised in the breach and subsequently used for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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