vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding a closed student loan account reported by DEPTEDXXXX. The account number ending in XXXX appears on my TransUnion , Experian , and Equifax credit reports with inconsistent information. The account shows a status of Closed or Paid with a {$0.00} balance, yet the number of months reported ( 182 ) is inaccurate, and the dates of last activity and last payment are inconsistent across the bureaus. Additionally, the data shows different last reported dates and unexplained refinancing comments. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report accurate and consistent information. Furthermore, this educational record may be subject to FERPA protections and should not include details shared with consumer reporting agencies without proper authorization.

I previously disputed this information, and the comment Dispute resolved ; reported by grantor was added without my consent or proper resolution. I am requesting that the Consumer Financial Protectio
n Bureau conduct an investigation and require DEPTEDXXXX to remove this inaccurate, outdated, and potentially unauthorized reporting from all three credit bureaus. 

Please delete this account from TransUnion, Experian, and Equifax.

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Mortgage — FHA 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was in forbearance for 12 months due to medical reasons ; I underwent a mastectomy for XXXX XXXX and treatment. My forbearance started on XX/XX/XXXX and ended on XX/XX/XXXX. Since then, I have been in contact with WELLS FARGO to apply for a repayment program for the balance of {$8000.00}. However, I have been facing a lot of back-and-forth communication, and they have denied my requests about 3 times. 

I informed them that my income has changed, and I am now able to make payments. I have already made my first payment for the month of XXXX. While I can not pay the entire {$8000.00} at once, I am asking for a structured repayment plan, but they continue to deny my application for assistance. 

This situation has been ongoing since XX/XX/XXXX, and I have been in contact with them for three months. In XXXX we spoke 5 times in XXXX we spoke 6 times in XXXX we spoke 3 times Recently, I received a letter from Wells Fargo today XX/XX/XXXX that I needed to sign, which seems to indicate a step towards foreclosure. However, they assured me that I am not in foreclosure yet. I am confused and frustrated because I am effectively begging for support to set up a repayment plan. I have the income to make payments now, yet the past balance has been overdue for 300 days, and they are not willing to work with me on a payment plan. Now that I am in recovery have the income to make my regular payments and I am begging for a payment plan. At the end of the forbearance period, thay say they will work with me again to explore available options but have not! 

I truly need help with this situation. 
Wells fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Loan Number : XXXX FHA Loan

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 2025-03-22 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Spring Oaks Capital Address : XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REQUESTED DELETION OF 7 ACCOUNTS THAT WERE INACCURATE IN REPORTING ON MY CONSUMER REPORT. THIS IS A CLEAR VIOLATION OF THE FCRA. I RECIEVED THE RESULTS AND THEY ALL CAME BACK UPDATED AND VERIFIED ( 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 ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED THAT THE LATE PAYMENTS BE UPDATED TO " PAID ON TIME, PAID AS AGREED, NEVER LATE '' IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT FOR BEING INACCURATE AND NOT IN COMPLIANCE UNDER THE FCRA. I RECIEVED THE RESULTS AND IT CAME BACK UPDATED AND VERIFIED ( 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 non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
This account has been closed for over 6 years and should have been marked as inactive. According to the Fair Credit Reporting Act ( FCRA ), negative information such as this account 's credit limit exceeded status should only be reported for 7 years from the date of closure. Since the account was closed over 6 years ago, it is no longer active, and any reporting of credit limit exceedance or changes in the balance is incorrect.

Under the FCRA, Section 605 ( 15 U.S. Code 1681c ), accounts that are closed should not report new negative information after theyve been closed, especially when the account is no longer active. The reporting of this activity after the accounts closure is a violation of the FCRAs provisions that limit the accuracy and completeness of credit report information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
This account has been closed for over 6 years and should have been marked as inactive. According to the Fair Credit Reporting Act ( FCRA ), negative information such as this account 's credit limit exceeded status should only be reported for 7 years from the date of closure. Since the account was closed over 6 years ago, it is no longer active, and any reporting of credit limit exceedance or changes in the balance is incorrect.

Under the FCRA, Section 605 ( 15 U.S. Code 1681c ), accounts that are closed should not report new negative information after theyve been closed, especially when the account is no longer active. The reporting of this activity after the accounts closure is a violation of the FCRAs provisions that limit the accuracy and completeness of credit report information.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: T.S. Holdings
State: NV

Complaint narrative:
I am disputing a debt reported to the credit bureaus by XXXX XXXX XXXX  and or IQ DATA INTERNATIONAL INC. This debt was reported during an open HUD investigation into housing discrimination and retaliation ( HUD Inquiry No. XXXX ). 
I believe this was done to retaliate against me for filing a federal housing complaint, which is a violation of the Fair Housing Act. The debt is for {$1800.00}, and I was actively in contact with HUD at the time of the reporting.

I a asking for the CFPB to investable and help remove this item from my credit report, as it is both inaccurate and retaliatory in nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
Complaint opened with CFPB on XX/XX/25 for Experian, XXXX, and XXXX to remove incorrect names / address off my credit report. XXXX and XXXX have honored this part of my XXXX part complaint. However Experian has still not removed any incorrect information from my credit report and its been 29 days today since my request. I also requested investigation and deletion of all inaccurate, outdated, or unverified information from my credit report. I requested the findings of the investigation of verification to debts and disputed debts as they came back verified and Ive never received any findings into the investigation process. Therefore Im requesting a Credit Investigation for Non Compliance : Under 15 U.S.C 1681i ( a ) ( 5 ) I demand immediate investigation and deletion of all inaccurate, outdated, and unverified accounts and inquiries from my credit report from all credit reporting agencies : Experian, Equifax, and Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complaint opened with CFPB on XX/XX/25 for Experian, XXXX, and XXXX to remove incorrect names / address off my credit report. XXXX and XXXX have honored this part of my XXXX part complaint. However Experian has still not removed any incorrect information from my credit report and its been 29 days today since my request. I also requested investigation and deletion of all inaccurate, outdated, or unverified information from my credit report. I requested the findings of the investigation of verification to debts and disputed debts as they came back verified and Ive never received any findings into the investigation process. Therefore Im requesting a Credit Investigation for Non Compliance : Under 15 U.S.C 1681i ( a ) ( 5 ) I demand immediate investigation and deletion of all inaccurate, outdated, and unverified accounts and inquiries from my credit report from all credit reporting agencies : Experian, Equifax, and Transunion.

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
CashApp processed a charge to my account. 
I did not authorize this transaction. 
I contacted CashApp several times and ended up nowhere but frustrated. 
Merchant name : XXXX - Transaction Date : XX/XX/XXXX - Transaction Amount : {$75.00} I NEVER received any response to my complaint filed on XX/XX/XXXX from the company -Cash App- And I am finding out on XX/XX/XXXX from the CFPB 's email telling me my time is running out to submit feedback, that the Cash App rep responded to CFPB. 
They NEVER contacted me and never responded to my request for evidence, neither responded to my questions of how or when it was clear that I approved the charge. They hire people who are incapable of communicating logically. 
They are capable of telling me that there were not enough funds in my account for the attempted charges twice. THAT they can do, but not inform me of the results of my complaint?

Cash App washed their dirty hands with a bunch of bogus excuses.

This company stole my money.

Even thou I filed the complaint and made it clear to CashApp that I am not authorizing this charge, they attempted to process two more charges again. ( screenshots attached ) This is a total disregard of my requests and the CFPB standards. 
Obviously you, CFPB do NOT matter to them and their disregard of whatever authority you have clearly shows that CFPB is trash to them. 
I had to contact the merchant and ask them to block CashApp completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I have had a cryptocurrency account with Gemini for many years. A week ago, I electronically transferred some money from my checking account at the XXXX XXXX XXXX to Gemini to buy more XXXX. When I saw XXXX identical amounts of XXXX dollars each going from Bank XXXX XXXX to Gemini, I presumed that was a mistake and asked XXXX XXXX XXXXXXXX to only send one transfer to Gemini for XXXX dollars instead of two. I realized later on that this was a mistake on my part, and I was supposed to send Gemini a total of XXXX dollars for my purchase. This mistake created a deficit of {$1400.00} in my cryptocurrency account at Gemini, which I was willing to correct by sending them another {$1400.00}. However, Gemini immediately froze my account because of this XXXX dollar deficit, even though my account had more than XXXX dollars of XXXX in it. I received an email from Gemini saying I had to either deposit XXXX dollars to bring my cash balance to XXXX or sell some of my XXXX dollars of XXXX to cover, but since my account has been frozen, I could not do either one. I then contacted Gemini to remedy this issue so I could transfer the funds. They then asked me to verify my identification by taking a selfie while holding my valid New York driver 's license and a handwritten note showing the date the selfie photo was taken, XX/XX/year>, as well as the XXXX code they had sent me via email as my case number. They had told me that once I sent this photo, my account would be unfrozen quickly. It has now been 5 days that my account remains frozen, despite their acknowledgment that they had received the photo they needed to verify my identity. I have sent them a total of 6 emails asking them why my account still remains frozen and why it has been taking so long for them to remedy this issue and release my cryptocurrency holdings. They keep answering me that they are still working on it and have failed to uphold their word that my account will soon be fully restored to its original form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
A fraudulent debt was taken in my name years ago to pay for something from XXXX XXXX XXXX XXXX XXXXXXXX XXXX approved the debt without any legal verification. I requested a fraud investigation into the account which was never performed and no documentation was ever provided. XXXXXXXX XXXX is now bankrupt and they sold my outstanding debt to a collection 's agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX XX/XX/2025 Subject : Dispute of Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ) and U.S. Code Laws I am writing to formally dispute the unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I have the right to dispute inaccurate or unauthorized information on my credit report. I recently obtained a copy of my credit report and discovered inquiries on my credit report.

I do not recall authorizing these inquiries, and I request that they be removed from my credit report immediately. According to 15 U.S.C. 1681b, a company must have my express written permission or a permissible purpose to conduct a hard inquiry on my credit report. If the listed companies can not provide documented proof that I authorized these inquiries, they must be deleted promptly in accordance with 15 U.S.C. 1681i, which mandates the reinvestigation of disputed information.

Please conduct an investigation into these inquiries and provide me with written confirmation of the results. If these inquiries are found to be unauthorized, I expect their removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting these changes.

I have attached a copy of my identification and proof of address for verification purposes. Please process my request in accordance with FCRA regulations and notify me of the resolution within 30 days as required under 15 U.S.C. 1681i ( a ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation