vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX IA XXXX Subject : Follow-Up Complaint Regarding Inaccurate Credit Reporting and Failure to Provide 1099-G - CFPB # XXXX Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint ( CFPB # XXXX ) regarding inaccuracies in my credit report and the failure to receive a 1099-G form for an account that has been charged off by XXXXXXXX XXXX XXXX 

Account Information : - Account Holder Name : XXXX XXXX - Account Number : XXXX - Creditor : XXXXXXXX XXXX XXXX Issues : XXXX. Inaccurate Reporting : I have identified that the account in question is inaccurately reported as a " charge-off '' with a balance of {$650.00} written off and {$1200.00} past due. I have not received any supporting documentation that justifies these amounts or indicates that I was informed of a charge-off. This reporting is erroneous and has negatively impacted my credit score.

2. Failure to Provide 1099-G Form : Despite my repeated inquiries to XXXXXXXX XXXX XXXX XXXX  XXXX have not received the 1099-G form that should have been issued due to the charge-off status of the account. It has been over six months since I initially requested the complete documentation related to this account, including the 1099-G form. 

Previous Attempts to Resolve : I have contacted XXXXXXXX XXXX XXXX multiple times regarding these issues, including my initial complaint to the CFPB and subsequent follow-up communications, but I have yet to receive a satisfactory response or resolution. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating this matter. Specifically, I would like the CFPB to investigate the inaccuracies in the reporting of my account and assist in obtaining the 1099-G form that should have been issued following the charge-off.

Enclosed, you will find copies of relevant documents, including my credit report highlighting the inaccuracies, my previous correspondence with XXXXXXXX XXXX XXXX  and any other supporting materials. 

Thank you for your continued attention to this matter. I hope to resolve these issues promptly with your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
XXXX XXXX has my account XXXX days plus and damaging my credit with incorrect remarks as the loan was paid by XXXX in full and I was not late XXXX plus days XXXX requesting for the negative remarks to be removed as soon as possible please

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 2025-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app unexpectedly closed my account mention violation to terms. I have been a cash app member for over 4 years. At the time of my account being closed, I was working on cruise and were sending and using for support of my children, providing essentials for myself also as well paying of bills. My account was unexpectedly deactivated as well as many other with uncertainty of violation. Never have I used my account for anything fraudulent, forbearance or for anything that were against Cash App banking policy. I request evidence for the action that is being accused for violation that is stated from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2025-07-02 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: SC

Complaint narrative:
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft account is not mine XXXX. XXXX  Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft account is not mine XXXX. XXXX  Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft account is not mine These accounts are the result of a data breach involving my personal information. I did not authorize the opening of these accounts and have no knowledge of any associated activity.

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 2025-07-02 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: SC

Complaint narrative:
XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft account is not mine XXXX. XXXX  Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft account is not mine XXXX. XXXX  Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft account is not mine These accounts are the result of a data breach involving my personal information. I did not authorize the opening of these accounts and have no knowledge of any associated activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-02 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Follow-Up Complaint Regarding Inaccurate Credit Reporting and Failure to Provide 1099-G - CFPB # XXXX Dear Consumer Financial Protection Bureau, I am writing to follow up on my previous complaint ( CFPB # XXXX ) regarding inaccuracies in my credit report and the failure to receive a XXXX form for an account that has been charged off by Barclays Bank Delaware. 

Account Information : - Account Holder Name : XXXX XXXX - Account Number : XXXX - Creditor : Barclays Bank Delaware Issues : XXXX. Inaccurate Reporting : I have identified that the account in question is inaccurately reported as a " charge-off '' with a balance of {$650.00} written off and {$1200.00} past due. I have not received any supporting documentation that justifies these amounts or indicates that I was informed of a charge-off. This reporting is erroneous and has negatively impacted my credit score.

2. Failure to Provide 1099-G Form : Despite my repeated inquiries to Barclays Bank Delaware , I have not received the 1099-G form that should have been issued due to the charge-off status of the account. It has been over six months since I initially requested the complete documentation related to this account, including the 1099-G form. 

Previous Attempts to Resolve : I have contacted Barclays Bank Delaware multiple times regarding these issues, including my initial complaint to the CFPB and subsequent follow-up communications, but I have yet to receive a satisfactory response or resolution. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating this matter. Specifically, I would like the CFPB to investigate the inaccuracies in the reporting of my account and assist in obtaining the 1099-G form that should have been issued following the charge-off. 

Enclosed, you will find copies of relevant documents, including my credit report highlighting the inaccuracies, my previous correspondence with Barclays Bank Delaware, and any other supporting materials. 

Thank you for your continued attention to this matter. I hope to resolve these issues promptly with your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: ID

Complaint narrative:
I took out approximately {$38000.00} in federal student loans and graduated in XXXX. In XXXX, I selected the standard 10-year repayment plan, with a monthly payment of around {$430.00}. I have never qualified for an income-driven repayment plan and have never submitted the required income documentation to initiate one. 

In XXXX, after noticing inconsistencies in my payment plan status online, I contacted my servicer by phone. During that call, they reassured me that I was still on the standard 10-year plan, despite the online system not reflecting that accurately. I trusted that information and continued making payments.

Recently, I discovered through my NSLDS data file and account review that I had been moved into an income-driven repayment planspecifically PAYE ( Pay As You Earn ) without my consent or knowledge. This switch appears to have occurred during a forbearance period. I never requested this plan, nor did I submit the required documentation to initiate it.

As a result of this change, a substantial portion of my payments went toward interest, and unpaid interest has repeatedly capitalized. Ive now been in repayment for over a decade and still owe nearly $ XXXXdespite having the ability to pay off the balance and despite having already paid back the principal amount I borrowed.

This switch has extended the life of my loan and significantly increased the total repayment amount. The fact that I did not request this plan, did not qualify for it, and received verbal assurance in XXXX that I was on the correct plan is extremely concerning. 

I have requested a full account history and plan change records, but Im told these older records may no longer be accessible. I believe I was misled and harmed by this servicers actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have 3 separate accounts supposedly with this company Ive never heard of. I never had an agreement with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: CA

Complaint narrative:
They sold my debt to a third party company without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
Let me start by saying that Skrill never responded to any of my dispute complaint messages until weeks after the first message was sent to them. There were two charges on my Skrill account for the amounts of {$180.00} and {$29.00} from the same company for an online service that I felt had not lived up to its promises given prior to signing up for a trial. Less than a week after signing up I emailed this company XXXX XXXX  ) and stating that I didnt like their service and I requested to get my money back. After waiting several weeks and sending multiple follow up inquiries to merchant who charged me, I reached out to Skrill and tried to dispute charges. It was over three weeks before I finally got a response from them and then it was just a basic denial with no good reasoning. The {$180.00} charge is for a one year membership to XXXX that I dont want and wont use and Im extremely upset that Skrill sided with a merchant that never even had the decency to respond to my requests for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
the company XXXX XXXX XXXX is reporting on all three credit reporting agency experian, equifax, and transunion. i do not know who this company is nor do i have a contract with is company. i dont know how this company obtained my information without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
the company XXXX XXXX XXXX is reporting on all three credit reporting agency experian, equifax, and transunion. i do not know who this company is nor do i have a contract with is company. i dont know how this company obtained my information without my consent.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NH

Complaint narrative:
Nearly XXXX months ago, I submitted a request via mail to LexisNexis requesting a copy of the consumer report it maintains concerning me. ( 'Accurint ' ). 

LexisNexis has not complied with, nor how they or even acknowledged this request.

Company response to consumer: Closed with explanation