vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: EdFinancial Services
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
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 explanation
Consumer complaint received 2025-03-13 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My American Express Credit Card has been charged by XXXX XXXX on 8 occasions for a total of {$810.00} spanning from XX/XX/XXXX to XX/XX/XXXX. I have twice requested that both American Express reject the charges and that XXXX refund these charges. Neither have done so. 

XXXX sent receipts to Amex and then Amex provided those to me. What is shown in the receipts is the charges from an account that is registered to an email address that is not mine. Regardless of this fact, neither company will reverse the charges. In addition, XXXX will not remove that credit card from the account in question that I do not have access to. 

These charges are fraudulent. Neither company will recognize this. I continue to accrue charges every month that this case remains open. 

Attached are the amex charges and 4 of the receipts ( provided the first time I made a request ) that show the account with an email address that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I made a cash app and put XXXX on there but random transactions keep happening and I dont have a card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: DE

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. 
Account name : XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
The Milestone Credit Card company has repeatedly refused to address billing the consumer for fees on a NON- ACTIVATED card. The company HAD removed the fees amount after speaking with the consumer and has now re-billed the fees per 30 day late report on the comsumer 's credit report intentionally dropping the score in an attempt to collect money not owed. My request for investigation is to know HOW the creditor is requesting ADDRESS VERIFICATION from the consumer in order to send the physical credit card but ABLE to send a bill for fees to an UNVERIFIED address?!. They are deceiving consumers to collect money & damaging poor credit consumers credit report to do so. I want the late credit report & phony fees from this creditor REMOVED and this creditor needs to be fined for unethical, unfair and illegal business practices under the consumer protection act and fair credit reporting. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: PA

Complaint narrative:
On XX/XX/XXXX, i sent my FTC report, my State license to Trans Union, Equifax, & Experian, to report fraudulent accounts on my Consumer report.

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 2025-03-13 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: PA

Complaint narrative:
On XX/XX/XXXX, i sent my FTC report, my State license to Trans Union, Equifax, & Experian, to report fraudulent accounts on my Consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY FRAUD. SOMEONE HAS BEEN FRAUDULENTLY USING MY IDENTITY TO OBTAIN SERVICES AND GOODS USING MY PERSONAL INFORMATION.

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 2025-03-13 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, my name is XXXX. I opened up a TD FlexPay credit card back in XXXX of 2024. I added my wife, as an authorized user, and a card was shipped to us. We never received the card. The card was more than likely stolen out of the mail, and then used at a store called " XXXX '' which is an expensive sneaker store located in king of XXXXXXXX XXXX for {$820.00}. I recognized this was NOT my charge, and called a few days later. On XX/XX/year>, I filed a dispute, giving all the above information and probably more. Dispute was put in, and then denied due to it being used as a chip entry therefore was not fraudulent. This claim was XXXX After being notified of my denial, I contacted TD again, to dispute the denial. This dispute was denied again. This claim was XXXX After filing the first dispute, I called the store and spoke to the team, they confirmed the date and amount of the transaction, and knew it wasn't me. They even said the guy was acting shady during the purchase. The card that was used for this transaction was the new card I had ordered for my wife. I have since locked that card. 

After speaking with TD, yet again, I'm now being told that a charge can not be disputed more than twice. This is unacceptable. I should NOT be responsible for this charge, and should NOT have to do the detective work. And I'm sure by now, over 4 months later, their security footage for the transaction might not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a serious breach of privacy laws by the Department of Government Efficiency, which has directly impacted me as a borrower. I am requesting the cancellation of my student loan in light of these violations, which I believe have undermined the security of my personal information and my trust in the loan servicing process.

It has come to my attention that the Department of Government Efficiency has violated federal student privacy laws by improperly accessing or disclosing sensitive data that was legally protected. This breach has not only put my private information at risk but has also caused significant emotional and financial stress. I entrusted the department to uphold my rights under privacy regulations, and their actions have fallen far short of this obligation. 

As a borrower, I should not bear the consequences of these violations, which were entirely out of my control. The mishandling of my data raises serious concerns about the departments accountability and adherence to federal regulations. Given the extent of the breach and the resulting harm, I believe it is just and fair to cancel my student loan as a form of resolution. 

I request that the CFPB thoroughly investigate this matter and take appropriate action to protect borrowers rights and privacy. Additionally, I urge you to advocate for stronger oversight and enforcement of data protection measures to prevent similar violations in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a complaint against Experian and Equifax for conducting sham investigations when consumers disputed errors on their credit reports instead of the reasonable investigations required by the Fair Credit Reporting Act. When consumers did manage to get errors taken off their reports, the CFPB alleges that Experian illegally put back, or reinserted, the inaccurate information on their reports. Due to this actions they are getting sued for fraud and violating of Acute consumer rights 15 U.S. Code 1681, a part of the Fair Credit Reporting Act ( FCRA ), covers congressional findings and a statement of purpose, emphasizing the importance of fair and accurate credit reporting for the banking system 's health. 
They are not reporting accurate information in my report I immediately demand to remove all negative marks in my report. My identity is also been taking under another person by the name of XXXX XXXX also XXXX XXXX I don't know this person and he is working under my identity please remove his name out my credit and the debt associated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a complaint against Experian and Equifax for conducting sham investigations when consumers disputed errors on their credit reports instead of the reasonable investigations required by the Fair Credit Reporting Act. When consumers did manage to get errors taken off their reports, the CFPB alleges that Experian illegally put back, or reinserted, the inaccurate information on their reports. Due to this actions they are getting sued for fraud and violating of Acute consumer rights 15 U.S. Code 1681, a part of the Fair Credit Reporting Act ( FCRA ), covers congressional findings and a statement of purpose, emphasizing the importance of fair and accurate credit reporting for the banking system 's health. 
They are not reporting accurate information in my report I immediately demand to remove all negative marks in my report. My identity is also been taking under another person by the name of XXXX XXXX also XXXX XXXX I don't know this person and he is working under my identity please remove his name out my credit and the debt associated.

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 2025-03-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-13 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: NC

Complaint narrative:
I am writing to formally dispute the fraudulent account associated with my personal information, which is appearing on my credit report. The account in question is listed under [ Account Number ], and I strongly believe this account is a result of fraud. I have never authorized or opened this account, nor have I received any communication or documentation from your company regarding it. 

NORTH STATE ACCEPTANCE Account number : XXXX Date opened : XX/XX/year> Amount : {$4600.00} The fraudulent activity surrounding this account is not only a violation of my privacy, but it is also a blatant breach of trust and potentially a criminal act. I demand the immediate removal of this fraudulent account from my records and an investigation into how my information was compromised. In accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting the following : Immediate investigation into this fraudulent account. Prompt removal of this account from my credit report. Written confirmation within 30 days that this issue has been resolved and the fraudulent account has been removed. A full explanation of the steps your company will take to prevent such incidents in the future. If this fraudulent account is not removed promptly, I will have no choice but to take further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states attorney generals office.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
Edfinancial claims I have been delinquent with my payments. But I am a full-time student and my payments should have been put in deferment months ago. This in turn reflects negative on my credit report, lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello, My name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX I am trying to apply for a gold amex business credit card. Every time I try to apply it says that I will not receive the promotional offer as I have already owned that card. This is misleading and in correct as I do not have a gold personal or business card. Amex is confusing me with someone else or maybe they are looking into someone elses account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
after one year of closing this account, the creditor, Bridgecrest is stating that I had a 30 day late payment on my car loan. This is not true. The vehicle was totaled and was paid out by insurance. The payment was never late and the account was paid in full following the claim. This is an error by Bridgecrest. I spoke with the company on the phone, and they expressed that no late payments have been reported from them to the credit bureaus, and that they are currently investigating the situation. This CFPB report is an attempt to expedite the removal process.

Company response to consumer: Closed with explanation