vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MOHELA
State: FL

Complaint narrative:
Good afternoon to whom it may concern, I have two complaints to submit from the same issue and this is complaint number 1. To start off, I received two loans while in school at Florida XXXX XXXX XXXX University. One XXXX XXXX XXXX loan and one XXXX XXXX - Unsubsidized. The XXXX XXXX XXXX loan was {$500.00}, and the XXXX XXXX XXXX was {$20000.00} at the start of grad  school. I received these loans at the beginning of XXXX, and I graduated from Florida XXXX XXXX XXXX  with my XXXX in spring XXXX. My loan servicer at the time was MOHELA, and my loan servicer now in XXXX in XXXX. Upon my graduation in XXXX of XXXX, I mailed two checks to MOHELA, one check of {$4000.00}, and another check of {$520.00}. MOHELA mailed me back saying the check was sent to the incorrect address, and MOHELA provided the correct address on the paper. However, the checks that were initially sent has been cashed and has left my bank account. And my loans has accrued interest since payment began in XXXX of XXXX. As of XX/XX/XXXX, I have accrued over {$2000.00} of interest fees. Attached to page 1 of the pdf is a copy of the {$4000.00} check, page 2 the {$520.00} check, the copy of the bank statement showing the fact the money has been cashed and left the account is on page 3 and 4, and the letter with the correct address sent from MOHELA and previous address is on the page 5. On the bank statements it will show the date being XX/XX/XXXX of money being withdrawn due to the electronic check. So the payment was submitted but never applied to my current loans. My loan total was {$21000.00} in the beginning and is now {$23.00}, XXXX. Those are on page 3 and 4 of the document. 

This has negatively affected my credit score because since that payment was not applied to my loans back in XX/XX/XXXX, my loans have continued increasing since then. In XXXX of XXXX my credit was at XXXX, and currently today, my credit score is a XXXX. This is unfair to me as I have submitted payment to my loan servicer which was not applied to my account, leading to my loans not being processed and accruing interest in the mean time bringing my balance to almost {$24000.00} where it should be {$16000.00} if the checks were applied to my account. While simultaneously lowering and negatively affecting my credit score dropping it almost XXXX points. These are demonstrated on page 1 and 2 of the document.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Good afternoon to whom it may concern, I have two complaints to submit from the same issue and this is complaint number XXXX. To start off, I received XXXX loans while in school at Florida XXXX XXXX XXXX University. XXXX XXXX XXXX XXXX loan and XXXX XXXX XXXX - XXXX. The XXXX XXXX XXXX loan was {$500.00}, and the XXXX XXXX XXXX was {$20000.00} at the start of grad school. I received these loans at the beginning of XXXX, and I graduated from Florida XXXX XXXX XXXX with my XXXX in spring XXXX. My loan servicer at the time was XXXX, and my loan servicer now in XXXX in Aidvantage. Upon my graduation in XXXX of XXXX, I mailed two checks to XXXX, one check of {$4000.00}, and another check of {$520.00}. XXXX mailed me back saying the check was sent to the incorrect address, and XXXX provided the correct address on the paper. However, the checks that were initially sent has been cashed and has left my bank account. And my loans has accrued interest since payment began in XXXX of XXXX. As of XX/XX/XXXX, I have accrued over {$2000.00} of interest fees. Attached to page XXXX of the pdf is a copy of the {$4000.00} check, page XXXX the {$520.00} check, the copy of the bank statement showing the fact the money has been cashed and left the account is on page 3 and 4, and the letter with the correct address sent from XXXX and previous address is on the page XXXX. On the bank statements it will show the date being XX/XX/XXXX of money being withdrawn due to the electronic check. So the payment was submitted but never applied to my current loans. My loan total was {$21000.00} in the beginning and is now {$23.00}, XXXX. Those are on page 3 and 4 of the document. 

This has negatively affected my credit score because since that payment was not applied to my loans back in XX/XX/XXXX, my loans have continued increasing since then. In XXXX of XXXX my credit was at XXXX, and currently today, my credit score is a XXXX. This is unfair to me as I have submitted payment to my loan servicer which was not applied to my account, leading to my loans not being processed and accruing interest in the mean time bringing my balance to almost {$24000.00} where it should be {$16000.00} if the checks were applied to my account. While simultaneously lowering and negatively affecting my credit score dropping it almost XXXX points. These are demonstrated on page 1 and 2 of the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NV

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
XXXXGM FINANCIAL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Communication Account No. XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease all communication with me regarding the above-referenced account.

This notice prohibits you, your agents, and representatives from contacting me by telephone, mail, email, text message, or any other form of communication, except where permitted by law, including : To advise me that your further efforts are being terminated ; To notify me that certain specified remedies may be invoked ; or To notify me that you intend to invoke a specified remedy.

Furthermore, I dispute the validity of this alleged debt. Under 15 U.S.C. 1692g ( b ), you are required to provide full verification of the debt, including documented proof that I am legally obligated to pay it. Until you have provided such verification, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency. 
If you fail to comply with this request, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state, and to pursue all available legal remedies for violations of federal law. 
You are hereby put on notice. 
Sincerely, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened or used without my authorization and are listed in my FTC Identity Theft 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  These accounts were reported to the credit bureaus and/or XXXX without XXXX authorization. Per FCRA 605B, these tradelines must be blocked and deleted within 4 business days of receiving my dispute and supporting documents. 

I have attached my FTC Identity Theft Report, government-issued ID, proof of address, and copies of my reports showing these accounts.

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 2025-08-12 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Last XXXX SS : XXXX Subject : Urgent Request for Key Bank to assistance in Retrieving Funds from XXXXXXXX XXXX  Dear Key Bank Customer Service, I hope this letter finds you well. My name is XXXX XXXX and I am writing to address a critical issue that has yet to be resolved regarding my funds that are currently being held by XXXX XXXX I am in urgent need of your assistance to help me retrieve my money. To give you a brief recap, I deposited a check into my XXXXXXXX XXXX  account for {$96000.00} on XX/XX/XXXX, which was issued by Key Bank from the New York State Comptroller. 

As of XX/XX/XXXX, I opened a new dispute with XXXX, and my case has been assigned to a different representative, XXXX XXXX. Their contact information is as follows : * * XXXX XXXX * * XXXXXXXX XXXX XXXXXXXX : XXXX Email : XXXX XXXX provided me documents through CFPB stating that Key Bank must start a reclamation process in order for them to send my funds back to Key Bank. I am not currently a Key Bank client. Key Bank does have a case open for this matter which is Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
This account was charged off and incorrect reports being reported. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-08-12 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: VA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I request that XXXX  immediately investigate this matter, block and remove this fraudulent account from my credit file as required under the Fair Credit Reporting Act ( FCRA ), and provide me with an updated credit report confirming the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Immediate 4-Day Removal Demand of Fraudulent Accounts under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) The information was requested by : XXXX ( XXXX  ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), you are required to block or delete fraudulent information within four ( 4 ) business days of receiving this notice.

Failure to comply will be considered a violation of federal law, and I will take all necessary legal actions to protect my rights. 

Please provide me with written confirmation that these fraudulent accounts have been removed from your reporting within the 4-day deadline. 

Thank you for your immediate attention and cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NM

Complaint narrative:
I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX - CARD SERVICE XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX 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 explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief