vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally request the deletion of my student loans due to violations of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV of the Higher Education Act. These violations include the unauthorized disclosure of my personal and financial information without my explicit consent, which has compromised my privacy and financial security. 
Under XXXX, my educational records, including personally identifiable information, should have been protected from unauthorized access and disclosure. However, I have discovered that my personal data was shared without my consent, constituting a clear violation of my rights. Furthermore, under XXXX XXXX regulations, institutions handling federal student aid are required to maintain strict security protocols for sensitive financial data. The mishandling of my financial information is a direct violation of these regulations and has caused undue hardship. 

Due to these infractions, I formally request the immediate discharge of my student loan obligations. I kindly ask for a thorough investigation into these violations and seek prompt corrective action, including the deletion of my student loan debt associated with the impacted records. 

Please confirm receipt of this letter and provide a written response outlining the steps your department will take to address my request. If additional documentation is required, I am prepared to provide any necessary information to facilitate your review. I expect a timely resolution in accordance with federal guidelines and consumer protection laws. 
Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Loan account number XXXX In addition to this above, it clearly states on the XXXX website XXXX in order to qualify for XXXX you must consolidate. Which I did. Now I am getting delinquency emails from Mohela. All of my loans should be forgiven as I have worked for a non profit organizations for over 15 years combined. Need assistance.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-27 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:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your 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 explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
On the night of XX/XX/year>, my phone was stolen. The next morning ( XX/XX/XXXX ), the individuals who stole it accessed my Cash App account and used it to send unauthorized payments to various users. 

A total of XXXX peer-to-peer transfers were successfully sent, totaling {$1200.00} : ( {$150.00} ), ( {$250.00} ), ( {$100.00} ), ( {$300.00} ), ( {$200.00} ), ( {$250.00} ), and ( {$20.00} ) They also attempted XXXX other transfers totaling {$1200.00}, but these failed. 

In order to send the money, they initiated XXXX deposits of {$200.00} each from my linked debit card. XXXX of the XXXX deposits succeeded, meaning {$400.00} was pulled from my bank account. 

I did not authorize any of these transactions. I am requesting that Cash App and my bank investigate the situation and assist with recovery of the stolen funds. I have also reported the card transactions to my bank as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i requested chain of title, debt validation and for all inaccuracies to be deleted they have not answer any request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Management Location Services Inc.
State: KY

Complaint narrative:
Between the dates of XXXX XXXX to current day I have been harassed by the MLS company saying I owe a debt. Everything looks legit but they are contacting family members through text messages about this debt. I checked with the better business bureau and many reported it as a phishing scam. I have not paid anything but they know the amount I owe, they sent me validation of proof of the debt via email, and on the proof it shows my last four of my social. I owe this debt but I have not received anything in paper form from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I contacted XXXX XXXX XXXX via XXXX  on XX/XX/XXXX to inquire on available puppies from a recent liter. We discussed the buying process, and they said I could reserve the puppy with a {$300.00} refundable deposit. I XXXX XXXX XXXX {$300.00} for the puppy reservation. On XX/XX/XXXX, she contacted me and stated that the veterinarian performing the final check-up would be in touch with me to finalize the purchase paperwork. I received an email from XXXX XXXX ( XXXX ) claiming to be with XXXX XXXX XXXX, asking for an additional payment of {$300.00} for the final check up fee. She wanted me to XXXX  the fee to XXXX XXXX XXXX stated this would come off the remaining balance I owe for the puppy, and assured me that I should XXXX  for payment. XXXX  flagged the transaction as a scam and would not allow the transaction to go through. I contacted XXXX XXXX XXXX and they confirmed that they do not have a vet nor do business with a XXXX XXXX. I reverse image searched the XXXX profile photo and it traces to a veterinarian at XXXX XXXX XXXX XXXX. So I was not comfortable transferring any more money. I tried to arrange cash payment upon pick up of the puppy, but XXXX would not accept and instead wanted me to XXXX  XXXX XXXXXXXX XXXX XXXX. I have not received reimbursement for the deposit despite my request to cancel the purchase. So on XX/XX/XXXX I filed a XXXX  Dispute ( case # XXXX ) via phone with a XXXX  rep. on XX/XX/XXXX they emailed me stating that they understand this person did not fulfill their purchase agreement but XXXX  will not recall the funds to reimburse me for the transaction and will not share with me their investigation into the recipient account due to privacy. Stating authorities may contact XXXX for more information on the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accts : XXXX XXXX XXXX XXXX XXXX XXXX  ( last 4 digit phone # XXXX  ) ) XXXX XXXX XXXXXXXX ( XXXX XXXX ( last 4 digit phone # XXXX ) ) XXXX XXXX XXXXXXXX ( XXXX XXXX ( last 4 digit phone # XXXX ) ) I have filed a complaint with the FTC ( attached document )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
None of the identity theft items listed in my ftc report, mailedXX/XX/XXXX have been removed from any of the 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
On XX/XX/2025, a charge of {$3000.00} was made to my debit card by a company called XXXX. I did not authorize this transaction and I never received any product or service in return. I attempted to resolve the issue directly with the company, but they either did not respond or failed to provide a resolution. 
I also contacted my bank Navy Federal credit union to dispute the charge. However, the dispute was either denied or closed without properly investigating the issue, even though I submitted evidence showing I did not receive what was promised. 
This unauthorized charge has caused serious financial harm and affected my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
Experian is publishing inaccurate and defaming information about consumers. According to 15 US code 1681a ( 4 ), This account is a direct violation of my rights. I have a right to privacy and it should be enforced, whereas EXPERIAN credit agency shouldnt be able to publish defaming information without my written consent. I want this information removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I previously filed complaint # XXXX regarding XXXX accounts owned by Midland Credit Management . They responded by placing both accounts in Cease and Desist status, but I am now submitting a formal Pay-for-Delete settlement offer in an effort to fully resolve the matter. 
These accounts are : Account No. XXXX XXXX XXXX {$800.00} Account No. XXXX XXXX XXXX {$610.00} I am requesting Midland agree to remove both accounts from all consumer credit reports in exchange for a mutually agreeable settlement payment. I am unable to upload my written offer as documentation. Please ensure this is reviewed and responded to formally. While I do not acknowledge legal liability or admit to the validity of these alleged debts, I am willing to resolve them in good faith in order to move forward with a pending home loan application. Therefore, I am proposing a settlement agreement in exchange for full removal of both accounts from all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 
Proposed Terms : I am willing to settle both accounts for a mutually agreeable amount. 
In exchange, Midland Credit Management agrees to : Delete both accounts from my credit reports with all credit bureaus, Not report any new negative remarks after receipt of settlement, Provide written confirmation of this agreement prior to payment. 
I respectfully request a written response within XXXX business days confirming whether you are willing to proceed with this pay-for-delete agreement. I can only copy and paste my original request through the CFPB portal as part of my ongoing dispute file. 

This is not an acknowledgment of responsibility or admission of debt, and it shall not be used as such. I am requesting resolution for the purposes of future creditworthiness and final closure. 

Thank you for your consideration, and I look forward to your prompt and cooperative response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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 the following inaccurate information that appears on my credit report maintained by XXXX, Experian, TRANSUNION as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your 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 explanation
Consumer complaint received 2025-07-27 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/year> Balance : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TN

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 : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim 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 explanation
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
My information was hacked in a data breach these accounts were not authorized by me to open. i have included an ftc report please remove and keep off 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I submitted an application to a few different luxury apartments communities. I was denied and advised that Transworld System LLC said they bought a collection form XXXX XXXX XXXX  that said I owe them XXXX as of XX/XX/XXXX. The location is XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The owner is XXXX. I was a homeowner from XXXX. I am currently a renter with XXXX Homes and have been with them since XXXX. I am being denied because this information is on my credit report. I have not every had any issues with being a renter. I can't get apartment, home near my employer or relocate due to this inaccurate information.

Company response to consumer: Closed with explanation