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: Incorrect information on your report — Information belongs to someone else
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
A fraudulent dispute under the Fair Credit Reporting Act ( FCRA ) refers to intentionally submitting false or misleading claims to manipulate a credit report, such as falsely reporting identity theft or disputing accurate debts. The FCRA allows consumers to dispute inaccuracies on their credit reports, but it does not support fraudulent actions. Submitting fraudulent disputes can lead to serious legal consequences, including fines, lawsuits, and damage to creditworthiness. To avoid penalties, individuals should only dispute legitimate errors and cooperate with credit bureaus during the investigation process. Engaging in fraudulent disputes undermines the credit reporting system and can have long-term negative effects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$350.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$480.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$21000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$250.00}

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I have requested a accurate mortgage payment history statement from XX/XX/XXXX To XX/XX/XXXX from Fay Servicing LLC. I have contacted them on multiple occasions via phone, via email and via written format to request this information. To date, they have not provided me with the payment history from year XX/XX/XXXX To XX/XX/XXXX. They provided me with a printout of a payment history from XX/XX/XXXX to XX/XX/XXXX that I did not request. I don't know why this is such a hard task for them to do. I need Fay Servicing to provide a payment History to me from XX/XX/XXXX To XX/XX/XXXX because I am trying to refinance my mortgage and without it I can not. I need them to provide to me what I asked for and not just send me anything for the sake of sending me something. Fay Servicing 's lack of response and incompetent actions has resulted in my refinance application being closed after a four month process of asking and waiting for Fay Servicing to provide me with the information I requested. I have even had conference calls with them and the refinance agent requesting this information and they still have not provided it to me. And it is now XX/XX/XXXX and I still have not received it. Please Help.

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: Nelnet, Inc.
State: WA

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 : My academic records and personally identifiable information ( PII ).

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

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate and fraudulent account that has appeared on my credit report. The company Credence RM is reporting an account in my name with an outstanding balance of {$1400.00}, allegedly opened on XX/XX/year>. I want to clarify that I never opened this account, was never informed of its existence, and have not authorized any transactions related to it. 



Upon reviewing my credit report, I noticed that this account lacks essential details such as payment history, a signed contract, and accurate reporting information. As per the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and instruct Credence RM to provide documented proof of this debt, including : 1. A signed contract or agreement proving I initiated and authorized this account.

2. A full payment history and account details.

3. Proof of communication or verification that I was notified about this account.

If Credence RM can not provide legitimate and verifiable documentation proving that this account belongs to me, I request that it be immediately removed from my credit report to prevent further financial harm. 



Please confirm receipt of this dispute and provide an update on the status of the investigation. I have also sent a dispute letter to the credit bureaus to ensure this matter is thoroughly reviewed. 



Thank you for your prompt attention to this serious issue. I appreciate your assistance in resolving this fraudulent reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

# # # I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.

Please contact me at [ your phone number ] or [ your email address ] with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX

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 — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I recently discovered that XXXX XXXX has unauthorized access to my student loan information. He has no legal right to view, modify, or interfere with my loan details. This unauthorized access violates the agreement between my student loan servicer and me, raising serious concerns about the security and privacy of my financial information. 

Additionally, I have reason to believe that the Department of Government Efficiency ( DOGE ) may be involved or has failed to prevent this breach of my loan data. If DOGE is overseeing or facilitating such access, it represents a significant failure in protecting consumer rights.

I request an immediate investigation into how this access was granted, who authorized it, and what measures will be taken to secure my account and prevent further unauthorized access. 

Thank you for your prompt attention to this matter.

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: 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 XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputed regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, The CFPB has recently filed a lawsuit against the company for failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failings align with my experience, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as the company 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Cheadle Law Firm
State: NH

Complaint narrative:
1 ) Background & Initial Agreement : I originally tried to negotiate a $ XXXX payment plan with Cheadle Law . As a poor XXXX  XXXX, I explained my financial situation. 

XXXX XXXX refused to work with me saying, " just go to court. '' However, I live in XXXX XXXX currently and no longer in XXXX, and could not attend court. 

In the end, I did not go to court, and I received a judgment saying that I owe {$9900.00} + {$140.00}. In the Cheadle Laws signed letter to me, they also mentioned that judgments accrue interest. 

We settled for a payment plan of {$200.00} every two weeks ; essentially {$400.00} a month. This would start on XX/XX/XXXX. 

2 ) Temporary Financial Hardship & Their Response I hit a rough patch financially and temporarily could not make payments. 

When I called, they worked with me at that time and told me to call back when i was ready to resume payments. 

About three months later, I resumed payments and paid {$1000.00} in full to catch up.

3 ) Missing Disclosures & Withheld Information At the start of my payments, I requested documentation on my balance and payment breakdown. They said they would send it but never did.

I followed up again in XXXX, asking for a possible short extension. I did not expect them to do so because they had already graciously worked with me before. I just asked because I knew I was about to face financial hardships again. 

They refused, however, their representative was extremely rude and dismissive. 

4 ) Retaliation after honest Review After this experience I left a truthful review along with the many others they already had because I am not the first person they have done this to. This was based on my experience. 

About two days after my review, they falsely reported misleading and incorrect information to the credit bureaus.

They manipulated my reported debt balance, falsifying and adjusting the numbers to make it seem as if I paid more than I had, which contradicts their documents. 

XX/XX/XXXX Original Auto Loan Amount Charged off {$7400.00} XX/XX/XXXX Amount Reported to the Credit Bureaus is {$5400.00} Yet the amount i owed from the judgment greatly exceeds this calculation overall and {$2000.00} would not be paid off to the creditors. 

Their own letter to me states that my debt accrues interest, yet the amount suddenly dropped when they claimed it accrues interest? 

This is Financial Fraud Manipulation and Credit Fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 : Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion 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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help in investigating companies that have inaccurately reported late payments on my accounts. Upon reviewing my credit report, I found errors where certain accounts were marked as late, which is incorrect. No late payment remarks should be on these accounts.

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: LA

Complaint narrative:
Ive lost XXXX dollars and have been getting money token from my cashapp from companies I dont even know about, then when you asked them about it or tell them you want a refund they deny you name XXXX XXXX XXXX date of birth XX/XX/XXXX social XXXX

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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, UD DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I have had my HELOC for a few years now, but recently my loan was sold to Shellpoint Mortgage like 8 months ago. Since then, Shellpoint has added some random {$99.00} fee to my loan, and there is no option to pay the fee nor any explanation of the fee. They have also blocked any payments towards my principal, which I did every month. I was told to send my concerns via their " contact us '' messaging, and no one at Shellpoint has gotten back to me and it's been several months since my first message. So for over half a year I have missed out on paying down my principal, which has really messed up my HELOC. I have never missed a payment or been late past the 14th to receive a late penalty fee. So I have no idea what the {$99.00} fee is for and have no way to pay it. I really need Shellpoint to fix this immediately and figure out a way for me to catch up on my principal payments seeing how they are the ones that have restricted me and won't respond to any of my concerns.

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