vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off 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 Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-03 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: CT

Complaint narrative:
I am writing to formally dispute numerous unauthorized transactions that appeared on my Apple Card account. I previously submitted disputes for these charges, but I was surprised to find that many of them were reinstated without proper resolution.

These transactions were not made or authorized by me and are part of an identity theft issue I have been dealing with across several accounts. I am not responsible for these charges and respectfully request that you reinvestigate them.

I have attached a copy of my Identity Theft Report for your reference. Please review this matter urgently and remove all fraudulent charges from my account. Additionally, I would appreciate confirmation of receipt of this letter and an update regarding the outcome of your review.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$4800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: NY

Complaint narrative:
Someone charged {$100.00} XXXX Gift Card to my Credit Card on or about XX/XX/year>. I notified XXXXXXXX XXXX of Fraudulent activity..... Credit card deactivated. Case # C was developed and on XX/XX/year>.... Elan Bank XXXX XXXX XXXX XXXX notified me by postal mail my case was denied and I would have to pay that Bill XXXX 
I notified Elan Bank customer service who supplied me with reference numbers ( to follow ) for XXXX and solve problem through XXXX XXXX XXXX. After many hours of speaking with XXXX they decided XXXX Bank has to solve issues. 
At an impasse with no way to solve problem of XXXX. Need help to resolve issue of innocent citizen being sandwiched by XXXX. 
XXXX Customer Service -- -- -- XXXX Order XXXX XXXX ITEM : CUSTOMER RELATIONS XXXX -- XXXX -- XXXX Elan Bank  -- -- -Customer Relations -- XXXX -- XXXX These are Reps. of XXXX company 's with no viable solution.

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 2025-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
Last year during forbearance there was 0 % interest accruing on all my loans with Mohela. Regardless, I continued to make payments to my loans. In XXXX of XXXX, I log in to make a {$500.00} payment ( see attachments ) and on a subsequent log in later that month, I see an increase in my balance. Again, up to this point, no interest had accrued since XX/XX/XXXX. I phoned in to Mohela and they tell me that they see this unusual and unexplained increase in my balance and they will handle it. They added that it might take 30 days. Well, now I write to you since I have spend many hours on the phone with agents and supervisors who have all provided me with failed and false promises to resolve this wrongful interest. It has been 9 months now. I have written many emails and provided proof ( that seems to disappear from the supported documents inbox ) in emails only to receive the same cookie cutter responses. Supervisors have escalated this issue to accountants and whomever they state is dealing with similar issues.

Last month, interest has begun to accrue on my loans. Im okay with that. What I am not okay with is that interest is accruing on a balance that was wrongfully added to my account. 
I am owed {$1300.00} by Mohela. Why did this increase in my account balance occur during a 0 % internet accruing time frame? 

This is the breakdown of how the issue started. Pictures of everything is attached. 

-I log in on XX/XX/XXXX and see a balance of {$81000.00}. 

-I make a payment of {$500.00} on XX/XX/XXXX. 

-I log in on XX/XX/XXXX and see a new INCREASED balance of {>= $1,000,000}? 

Thus, {$1300.00} was applied to my balance. ( This included the {$500.00} payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Cash App Improper Handling of Fraudulent Transaction Dear CFPB, I am writing to formally file a complaint against Cash App ( Block, Inc. ) regarding their mishandling of a fraudulent transaction dispute on my account. 

On XX/XX/2025 I was scammed out of {$15.00} through Cash App. I have clear proof of the scam, including screenshots showing that show I was defrauded. I reported this issue to Cash App. 

Despite this, Cash App closed the investigation without requesting or reviewing evidence from both parties. This indicates that they did not conduct a fair or thorough investigation before deciding the outcome, which I believe violates proper consumer protection practices and dispute resolution standards. 

Here are the details of the transaction : My Cash App Username : $ XXXX Scammers Cash App Username : $ XXXX Transaction Date : XX/XX/2025 Transaction Amount : {$15.00} I have attached documentation, including screenshots, to demonstrate that I was scammed and to support my claim. 

I respectfully request that the CFPB review this matter and require Cash App to reopen my case, properly investigate the evidence, and ensure that consumers like myself are protected from unfair treatment and fraudulent activity on their platform. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate information being reported on my credit reports with TransUnion, Experian, and Equifax. 
Creditor Name : [ XXXXXXXX XXXX Account Number : [ XXXX ] This account is inaccurate, incomplete, and unverifiable. The credit reporting agencies have failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ).

I have disputed this account and the data has not been properly verified. The furnisher has not provided original documentation to support the reporting of this 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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express has an account in my companies name!! I have not ever signed upper an American Express card. They have sent XXXX different cards. I cancelled all the cards except for a platinum card. But they show a gold card account with a balance so they cancelled both cards. I have filed with the FederalTrade Commission in XXXX. All the credit Bureau took the account off my credit. Now American Express put it back on XXXX, so far. XXXX said they listed it as a derogatory account and will not remove it without a letter from American Express. They will not give me a letter!!!!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Description of Communication XX/XX/XXXX Received letter from PHH Mortgage inviting us to discuss available options. 
XX/XX/XXXX Spoke with XXXX XXXX XXXX. Informed we owed for XXXX, XXXX, and XXXX, plus {$73.00} late fee. Explained our hardship and tragedy. Discussed possible solutions including forbearance, repayment plan, deferral, and loan modification. 
XX/XX/XXXX Received multiple letters from PHH : XX/XX/XXXX : Assistance request received and completed. 
XX/XX/XXXX : Notice of Default issued for {$8200.00}. 
XX/XX/XXXX : Assistance request received again. 
XX/XX/XXXX Submitted a full Mortgage Assistance XXXX. 
XX/XX/XXXX Spoke with XXXX. Informed application was in final review. Decision expected within 30 days. Supervisor call scheduled for XX/XX/XXXX at XXXX XXXX. Attempted online payment, but account was closed. 
XX/XX/XXXX Spoke with XXXX XXXX. Confirmed account in final review. No action needed from us. Decision expected by XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX ( ID XXXX ) reviewed our case. 
XXXX XXXX XXXX Received additional letters from PHH : XX/XX/XXXX & XXXX : Mortgage assistance request received. 
XX/XX/XXXX : Request marked completed. 
XX/XX/XXXX : Invitation to schedule Loss XXXX XXXX. 
XX/XX/XXXX Scheduled XXXX call no one contacted us. 
XX/XX/XXXX Called PHH at XXXX XXXX office closed. 
At XXXXXXXX XXXX spoke with XXXX ( # XXXX ) who confirmed final review status. 
Requested supervisor unavailable. Explained lump sum payment not possible but offered regular payments. 
XX/XX/XXXX At XXXXXXXX XXXX, I spoke with Supervisor XXXX ( XXXX XXXX ). Reiterated our urgency and readiness to resolve. I attempted online payment again but the account was still closed. Told deferral might be possible but still in final review. 
XX/XX/XXXX Received letter stating our mortgage assistance request was not qualified. 
XX/XX/XXXX Spoke with XXXX XXXX ( XXXX XXXXXXXX ). Confirmed that the application was still in final review. 
XX/XX/XXXX Scheduled Loss Mitigation call for XXXX XXXX  no one called us. 
XX/XX/XXXX Called HUD left voicemail for XXXX XXXX. 
Called XXXX XXXX no answer. Finally spoke with XXXX XXXX. Informed that XXXX XXXX XXXX ( ext. XXXX ) would contact us on XX/XX/XXXX. 
Ongoing Issue The only option presented was to pay {$8100.00} in full not feasible. The account was closed, blocking all partial payment attempts. 
Refer to XXXX XXXX XXXX letter attached for ongoing misleading communications with PHH over the phone with no progress from XX/XX/XXXX to present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint addresses the fraudulent account that has been added to my credit profile. I never created, authorized, or used this account, and it does not belong to me. Its reporting is incorrect and unjustly affects my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
RAC - Regional Acceptance I didnt get a 10-99C for a vehicle that is on my credit report as a derogatory mark. They did a tax write off on the vehicle. It was written off as a loss, and put on my credi

t. Im also not sure who they sold the debt off to before having it written off as a loss. This is triple fraud. 1. Selling the debt to a collection agency 2. Tax write off
3. Not providing me a 10-99C

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