vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: Kriya Capital, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account CREDENCE RESOURCE MANAGEMENT ACCT # In accordance with the Fair Credit Reporting act Convergent Account CREDENCE RESOURCE MANAGEMENT ACCT # XXXX in the amount of {$1200.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TOWNE MORTGAGE COMPANY
State: IA

Complaint narrative:
My credit score as of XX/XX//2025 was XXXX through XXXX. I noticed approximately XXXX of 2025 that I now had a XXXX credit score. Our FHA loan is through Towne Mortage Company. We always pay every 2 weeks on our mortgage instead of monthly. Towne Mortgage Company of XXXX, MI ( we've been speaking with XXXX XXXX XXXX initially documented a late payment ( past 30 days due ) for the month of XXXX. We then called to correct this. As we have never had a late payment. XXXX requested we have a document proving funds were transferred from XXXX XXXX XXXX  ( of XXXX, IA ) to Towne Mortgage Company. We have provided 7-8 documents from XXXX XXXX XXXX  to XXXX XXXX of Towne Mortgage Company confirming the payment was made and for the entire amount. XXXX has not accepted this as proof and denies to repair our credit scores accordingly. Then, she corrected the month of XXXX, had an issue with XXXX, corrected that, and now shows we have late payments for XXXX and XXXX of 2025. It seems like there are several clerical errors at their company and instead of fixing their issue and taking responsibility for their faults, they correct the initial monthly payment in question and move the missed payment to a different month. I would love to see what an investigation brings to light, as they're just moving numbers on their end. We have all supporting documents available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I sent this letter to the these companies in regards to my information To : U.S. Department of Education Student Privacy Policy Office 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 Subject : Formal Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-07-27 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/ 2025, XXXX XXXX2025 I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. 

XXXX XXXX XXXX  {$600.00} XXXX XXXX XXXXXXXX  {$770.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  {$170.00} XXXX XXXX XXXX$770.00} XXXXXXXX XXXX {$470.00} XXXX {$330.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  {$4400.00} XXXX XXXX {$170.00} XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XX/XX/year>2025, XXXX XXXX2025 I formally sent letters to these companies and the Credit Reporting Agencies that upon review of my credit reports, I found a number of items that are inaccurate or questionable. The credit agencies responded that they verified, but did not send the requested information. I requested The Header Record, containing 18 fields, which ensures that the information was identified correctly by their bureau, I requested The Base Segment containing 49 fields, which provides the specific account information to me, I requested The Trailer Record, containing 47 fields, which summarized the data submitted to their bureau specific to my particular file. As of today, none of this information has been sent to me... The companies have not responded at all. 

XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$770.00} Portfolio Recovery Associates {$3500.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  {$170.00} XXXX XXXX  {$770.00} XXXX XXXX  {$470.00} XXXX  {$330.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX  {$4400.00} XXXXXXXX XXXX {$170.00} XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was charged {$980.00} by XXXX XXXX for compounded medication ( XXXX ). I later discovered the product was misrepresented and defective. XXXX XXXX used a pharmacy ( XXXX ) that was not licensed to compound sterile medication or to ship to my state. On XX/XX/XXXX, the pharmacy relinquished its license and is under investigation. 

I filed my first dispute with Goldman Sachs on XX/XX/XXXX ( XXXX XXXX ), and dispite submitting extensive documentation proving misrepresentation and regulatory violations they have repeatedly denied the charge back without providing any explanation. I have requested, multiple times- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the reason for the denial and a copy of my file or supporting documents, but I only receive vague " denied '' notices. When I follow up, they continue to ask questions I've already answered, which suggests my documentation was not review thoroughly or submitted correctly. 

I am asking CFPB to review this case and hold Goldman Sachs accountable for failing to properly investigae and process my dispute in good faith.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: MO

Complaint narrative:
I submitted a dispute to Equifax ( Confirmation # : XXXX ) regarding two charge-off accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are inaccurately reported on my credit file. 
Equifax responded that the information was updated, but failed to provide the required method of verification or any documentation to substantiate the information, in violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
I also submitted direct disputes to both furnishers ( XXXXXXXX XXXX XXXX XXXX  ) under FCRA 623, but received no documentation or meaningful response. 
I am requesting : Immediate deletion of these accounts due to lack of verification, A formal description of the reinvestigation process, Contact details of the data furnishers used to verify the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
According to 15 US 1681. I have hard inquiries on my report that I dont recognize. I disputed and you sent me personal information that dont belong to me. U sent me another persons account information that clearly violates identity theft. I have that information and will use it to get my inquiries removed from my report. I will also call the person and let them know I got all there personal information from ally. Any hard inquiries from ally. Plz remove. 

https : //portal.consumerfinance.gov/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: Self Financial Inc.
State: MN

Complaint narrative:
I've made attempts to get the company Self to remove my information from my credit reports because I've never had a account with them. I've tried reporting to all 3 credit companies and credit karma and it always comes back with the result unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MA

Complaint narrative:
Im writing this charge off is inaccurate and unjustified. To better understand the circumstances surrounding this charge. I have never been notified of this collection or that i owed the deb. This letter is to inform you that i have the right to request a validation of this dept and your ability to collect this money from me. I ask that you prove that I am indeed the party off this dept or stop collection activity and remove all together. 

Please attach copies of the following documents : * Agreement that you have authority to collect on this alleged dept. 
* Agreement that bears signature of the alleged debtor with promises with promises to pay the original creditor. 
* Complete payment history on this account, to prove that the amount you wish to collect is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-27 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-27 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: FL

Complaint narrative:
" This complaint details a new, egregious FCRA violation by Equifax, demonstrating an undeniable internal contradiction in your own reporting, adding to the issues in my existing comprehensive complaints ( CFPB IDs XXXX, XXXX, XXXX, XXXX, and the complaint filed today, XX/XX/year>, regarding XXXX XXXXXXXX re-insertion and XXXX XXXX re-insertion ). 

On XX/XX/year> ( today ), my Equifax credit report [ cite : XXXX ] contains a direct and severe internal contradiction regarding my total reported debt. 

Page 1, in the 'Debt summary ' section, explicitly states 'Total debt : {$910.00} ' [ cite : XXXX, page 1 ]. This {$910.00} figure corresponds to the XXXXXXXX XXXX XXXX  account ( # XXXX ), which was re-inserted onto my report today after being previously deleted by Equifax on XX/XX/year> [ cite : XXXX ]. 

Simultaneously, on Page 12 of the same report, the XXXX XXXX XXXX XXXX ( Unsecured Loan # XXXX ) is clearly listed with a 'Balance : {$2500.00} ' [ cite : XXXX page 12 ]. 

Your own report simultaneously states a total debt of {$910.00} ( a re-inserted, deleted account ) while listing a separate active account with a balance of {$2500.00}. This means your 'Total debt ' summary is factually incorrect and profoundly misleading. This constitutes a fundamental failure to assure maximum possible accuracy of information,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I have an account with Crypto.com and everything was going well until a client of mine asked me to transfer funds which he had provided to me to send to a wallet address for him to conduct business. The process was rejected and crypto blocked my account and I can not transact in digital wallets, and I am only allowed to conduct cash transaction which from bank to the wallet and vice-versa. I have asked the reason for blockage and finally the stated that the activity was suspicious and spam. I have stated to them I had no idea that the wallet address was suspicious nor did my client and I should not be punished for that. I have tried to communicate with the management and yesterday I conducted chat communication with someone in the management, and he repeated exactly what I was told before which my account is is blocked and I can only use it for cash transfers. they have never provided detailed reason for their decision and continue with their action. i am about to receive substantial transfer in USDT from another wallet and they said it will be rejected, and I can not cancel that transfer which could cause me substantial financial loss. I have always abided by rules and regulations and had never had any problem with crypto.com until recently. They never gave exact reason for their decision

Company response to consumer: Closed with explanation