vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute regarding my federal student loans due to a significant breach of my personal and financial information without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), my student records are legally protected from unauthorized access. However, recent reports have confirmed that my personal data has been compromised in violation of these protections. 

Specifically, XXXX XXXX Department of Government Efficiency ( DOGE ) was reportedly granted unauthorized access to the Department of Educations student loan database, exposing sensitive borrower information, including Social Security numbers, marital status, and income details. This unauthorized access constitutes a clear violation of federal privacy laws, including FERPA and the Privacy Act of 1974. Additionally, legal action has already been initiated against the Department of Education for failing to safeguard borrower data, further demonstrating the severity of this breach.

Given the unlawful exposure of my private financial information and the failure of the Department of Education to protect my data, I formally request that my student loan debt be canceled and discharged. Holding me responsible for a loan within a compromised system is unjust, and I should not be penalized for the governments failure to uphold my legal rights to data privacy.

Please process this dispute accordingly and take the necessary steps to remove this debt from my records. If additional documentation is required to support my request, please inform me promptly.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I had a lawsuit against Affirm years ago which resulted in a settlement with the company. A new affirm account was opened in my name and no payment information was sent, no bills, no invoices, no receipts, nothing, and I had no knowledge of the account until I received a late payment on my credit file. I disputed this with affirm who refused to delete the 30 day late report. I paid the account to get it off my credit but affirm refuses to delete it still.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in m credit report by [ Experian XXXX of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX ]. I request that my name be updated to reflect the correct information 2. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX } while my credit report shows an outdated address of - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX request that [ Experian investigate this matter and provide me with written confirmation once th ipdates have been made. Additionally, I would like to receive an updated copy of my credit report reflectin these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in m credit report by [ Experian XXXX of the Dispute : 1. Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX ]. I request that my name be updated to reflect the correct information 2. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX } while my credit report shows an outdated address of - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX request that [ Experian investigate this matter and provide me with written confirmation once th ipdates have been made. Additionally, I would like to receive an updated copy of my credit report reflectin these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at [ XXXX ] or by email at [ XXXX ]. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
To whom it may concern, I am filing a complaint against Mohela for failing to respond to my request for a name change on my student loan account. I have made multiple attempts to contact them through [ email, phone calls, etc. ], but despite my efforts, I have not received any response or resolution. The attempts for this change have been since XXXX to the latest attempt the XXXX of XXXX. 

I am seeking assistance from the CFPB in resolving this issue. I request that the loan servicer promptly update my account with the correct name and provide confirmation of this update. 

Please let me know if any additional information is needed. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this issue is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am disputing a debt on my credit report by AARGON AGENCY. It is a medical debt with the city of XXXX for an XXXX XXXX. As of XX/XX/scrub> 2025 medical debts are not supposed to be on credit reports per CFPB.

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 2025-03-16 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: WA

Complaint narrative:
I recently reviewed my credit report with Experian and found fraudulent accounts on my report. Please remove these account.

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 2025-03-16 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:
SOMEONE STOLE MY IDENTITY AND USED IT TO OPEN CREDIT ACCOUNTS IN MY NAME PLEASE INVESTIGATE THESE ITEMS IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: WA

Complaint narrative:
I recently reviewed my credit report in XXXX and discovered fraudulent accounts. 
please remove these accounts from my credit report for complete accuracy. Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 violate 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 2025-03-15 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:
Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U .S.C . 1681i, which mandates a reasonable investigation of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: First Technology Federal Credit Union
State: IN

Complaint narrative:
first tech, is in violation of the fair credit reporting act I ask for a copy of the 1099c because by law you can not report income as debt and since the IRS credited them a tax credit which is consider income.

this company is in violation of 15 usc 1681s-2 a furnisher shall not furnisher information that's inaccurate.

15 usc 1681i ( a ) 6 ( B ) 3 I HAVE THE RIGHT TO ASK FOR METHOD OF VERIFICATION 15 usc 1681i ( a ) 1 states that a furnisher has up to 30 days to respond and first tech hasn't respond

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and notice a fraudulent account on my credit report. Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year> my husband and I entered Chase bank and opened a business account under our LLC where we deposited 2 checks worth {$5200.00} in total into our newly opened checking account. The checks were made out to our Realtor who then forwarded the checks to our LLC. ( This was written on the back of the each of the checks. ) The XXXX was deposited into our business checking account two days later and all seemed fine. 

However, on XX/XX/year> my husband went to make a business related purchase and my husbands card was declined. Later that evening, I went to log into my mobile banking app with chase bank and none of my accounts were showing. I then tried to login online and once again none of my accounts were showing, this prompted me to call the bank at XXXX XXXX  on XX/XX/XXXX. After getting a representative on the phone I found out that our accounts were closed and that the {$5200.00} dollars that was deposited into our business checking account on XX/XX/XXXX was on hold due to not being able to verify a third-party on the checks. They said that they try to call email and text us however my husband and I never received any of their outreaches otherwise we would have responded promptly. I provided two representatives ( one regular level rep and a manager ) with the phone number of the third-party on the check and they said they were unable to verify her in their company specific system because the name that was coming up was her maiden name not her marriage name. We were told that they can only verify the person by their phone number the third-party signer is not allowed to verify their identity in person. We asked if she could come in and bring her marriage certificate to show the name change and we were told no they can only verify her identity in their system and her public records phone number states that her last name is XXXX ( her maiden name ) and she signed the check under her marriage name which is XXXX. When trying to verify her identity the manager got back on the phone and said that her husbands name came up but there was no way for him to link her to her husband. They told us there is no other way for them to release the funds and they could not look up her marriage certificate under public record they have to use their system. Then when we asked how can we get this updated in your system they did not have an answer. We asked several times if there was any other way that we could resolve this and they said no. Now we are out of {$5200.00} and we are unable to pay business bills and expenses this was our first deposit into our account and we do not have money to fund the business we were so happy to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NC

Complaint narrative:
Dear Experian, I dispute the collection from bar education on my credit report. The debt is either not mine or was illegally sold, violating 15 U.S.C. 1681s-2 and 15 U.S.C. 1692c. No valid verification has been provided. 
Per federal law, I request immediate removal of this account. Failure to comply will result in complaints to the CFPB, FTC, and possible legal action. Please investigate and respond within 30 days as required.

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 2025-03-16 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
there are fraudulent inquires and address on my credit reports, the credit bureaus are unlawfully reporting unauthorized inquires on my consumer report. I did not give permission to access my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
there are fraudulent inquires and address on my credit reports, the credit bureaus are unlawfully reporting unauthorized inquires on my consumer report. I did not give permission to access my credit profile

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 2025-03-16 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one 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'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 non-monetary relief