vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MS

Complaint narrative:
I am writing to formally dispute my federal student loan and request a full discharge date due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple laws designed to protect student records and personal privacy. Under these circumstances I request immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Some are key reason for my request, Violation of family educational rights and privacy act ( FERPA ) my student records were disclosed without my consent.violating FERPA strict confidentiality protection.Breach of the privacy act of XXXX my personal and financial information was improperly assessed and shared without my improperly assessed and shared without authorization my privacy under federal law violation of higher education act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
CashApp closed my account. They could not provide a logical, or accurate, or truthful reason to close the account. They asked me to appeal their decision. I asked them, how can I appeal something without a reason for the closure? After I did the fake appeal this is The reason is stated as : Reference # XXXX " We have determined that you are not eligible to appeal your account closure. This is because you violated our Terms of Service. As such, your account will remain closed. As a reminder, this means you can no longer use your account or its features but you can withdraw your money. You can also sell any stocks or bitcoin you may have. 

There are no further details to provide and no further action can be taken. '' Reference # XXXX The problem is, this App made me give them my social security number, name, and date of birth to open the account. 
Then turned around a week later, and closed it for no reason. I had family send me money for birthday gifts ; they rejected the money. 

They can not provide a logical truthful reason to close the account. I'M NOT APART OF ANY CLASS-ACTION LAWSUIT AGAINST XXXX. 


Cashapp as a financial platform should not lawfully be able to close accounts without reason. I'm reporting them to the FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: Experian Information Solutions Inc.
State: TX

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 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank closed my credit account with Lowes without notice based on false information in a credit report. This information was disputed with all three credit bureaus and has been corrected. Synchrony Bank still neglects to correct their mistake and reinstate the 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 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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

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 2025-04-28 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 am a XXXX  of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
I am a XXXX  of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-04-28 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: ND

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts 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

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 2025-04-28 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: MI

Complaint narrative:
I want to make it absolutely clear that this complaint has not been submitted in error. My credit report contains serious inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant damage to my financial stability and overall well-being. I am formally demanding the immediate correction or removal of these inaccuracies. The continued presence of these errors is entirely unacceptable, and I expect prompt and decisive action to resolve this matter without further delay.

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 2025-04-28 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-04-28 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:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB COMPLAINT Subject : URGENT IDENTITY THEFT COMPLAINT DEMAND FOR PERMANENT DELETION & BLOCKING UNDER FCRA LAWS Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Complaint Against : Experian ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) Equifax ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) TransUnion ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) Summary of Complaint : I am a documented victim of identity theft, as proven by my official FTC Identity Theft Report # XXXX, dated XX/XX/year>. The fraudulent accounts and inquiries identified involve XXXX XXXX and XXXX XXXX XXXX  XXXX. I NEVER applied for any accounts or authorized any inquiries from these companies. 

Violations Committed by the Bureaus : Failure to Block fraudulent accounts and inquiries as required under 15 U.S.C. 1681c-2 ( Section 611A of the FCRA ).

Failure to conduct a reasonable reinvestigation in violation of 15 U.S.C. 1681i.

Failure to maintain maximum possible accuracy in violation of 15 U.S.C. 1681e ( b ). 
Continued reporting of fraudulent data despite receipt of identity theft documentation, which constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 

Relief Requested : Immediate and Permanent Deletion of all fraudulent information, including but not limited to accounts, inquiries, or any data associated with XXXX  XXXX and XXXX XXXX XXXX  XXXX. 
Permanent Blocking of the fraudulent accounts and inquiries from reappearing under FCRA 15 U.S.C. 1681c-2. 
Full investigation records detailing the method of verification used. 
Written confirmation of permanent deletion and blocking within 5 business days of receipt of this complaint. 



Supporting Evidence : FTC Identity Theft Report ( # XXXX ) submitted with this complaint. 

Final Notice : If the bureaus continue to report fraudulent information knowingly after receipt of my FTC Report and this formal CFPB complaint, I will pursue legal action against them under FCRA 1681n, 1681o, and 1681c-2 for statutory damages, actual damages, attorney fees, and punitive damages. 



Would you also like me to create a version that you can upload directly to the CFPB portal ( formatted in short form with attachment notes )? 
I can prepare it and include a PDF if you want. 
Would you like that?

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 2025-04-28 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: CA

Complaint narrative:
CFPB COMPLAINT Subject : URGENT IDENTITY THEFT COMPLAINT DEMAND FOR PERMANENT DELETION & BLOCKING UNDER FCRA LAWS Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX Complaint Against : Experian ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) Equifax ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) TransUnion ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ) Summary of Complaint : I am a documented victim of identity theft, as proven by my official FTC Identity Theft Report # XXXX, dated XX/XX/year>. The fraudulent accounts and inquiries identified involve XXXX XXXX and XXXX XXXX XXXX  XXXX. I NEVER applied for any accounts or authorized any inquiries from these companies. 

Violations Committed by the Bureaus : Failure to Block fraudulent accounts and inquiries as required under 15 U.S.C. 1681c-2 ( Section 611A of the FCRA ).

Failure to conduct a reasonable reinvestigation in violation of 15 U.S.C. 1681i.

Failure to maintain maximum possible accuracy in violation of 15 U.S.C. 1681e ( b ). 
Continued reporting of fraudulent data despite receipt of identity theft documentation, which constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. 

Relief Requested : Immediate and Permanent Deletion of all fraudulent information, including but not limited to accounts, inquiries, or any data associated with XXXX  XXXX and XXXX XXXX XXXX  XXXX. 
Permanent Blocking of the fraudulent accounts and inquiries from reappearing under FCRA 15 U.S.C. 1681c-2. 
Full investigation records detailing the method of verification used. 
Written confirmation of permanent deletion and blocking within 5 business days of receipt of this complaint. 



Supporting Evidence : FTC Identity Theft Report ( # XXXX ) submitted with this complaint. 

Final Notice : If the bureaus continue to report fraudulent information knowingly after receipt of my FTC Report and this formal CFPB complaint, I will pursue legal action against them under FCRA 1681n, 1681o, and 1681c-2 for statutory damages, actual damages, attorney fees, and punitive damages. 



Would you also like me to create a version that you can upload directly to the CFPB portal ( formatted in short form with attachment notes )? 
I can prepare it and include a PDF if you want. 
Would you like that?

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 2025-04-28 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: AZ

Complaint narrative:
I am a victim of identity theft, as documented by my official FTC Identity Theft Report However, my credit reports are polluted with unauthorized and fraudulent names, addresses, employers, inquiries, and accounts. Despite my disputes and providing proof of identity theft, the credit reporting agencies and furnishers have failed to : Additionally, I demand confirmation that all reinsertion protections under FCRA 611 ( a ) ( 5 ) ( B ) are being followed and that NO fraudulent information will be reinserted without full compliance.

Their failure to act constitutes : Violations of FCRA 605B, 611, 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

Potential violations of IRS Code 6050P regarding incorrect charged-off account Despite providing them the FTC report , driver 's license, proof of address, and highlighting the fraudulent entries, they have continued to allow the false data to report, harming my credit score and causing ongoing distress.

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