vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I never went to school and it needs to come off my credit. My wallet was stolen about a few years ago and Im just seeing these things pop up on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
Im contacting you regarding my credit report, and I need this handled without delay. There is data currently listed on my report that I do not recognize and can not confirm as accurate or belonging to me. 

Im formally requesting that you certify in clear, unequivocal terms that every single piece of information under my account has been properly verified and belongs solely to me. That includes all accounts, inquiries, payment histories, personal details, and any other reporting elements associated with my file.

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Back in XXXX  a friend of mine told me about a company were you can invest your money and profit from it after a month. Several people that I know, were working with the company months before I knew about it and they were already profiting from it. The name of the company was XXXX XXXX XXXX. This company originated in XXXX by XXXX XXXX. Once you invest an amount of money for a determined period of time ( XXXX months or a year ) you will be receiving to your bank account a monthly percentage of the money you invested, once the time passed you were going to receive the capital you invested back or you can reinvest it back for more profit. XXXX XXXX XXXX claimed that they way they made the money was investing the money from the investors buying properties, soccer teams, opening private schools, etc ; so that money they make through that will be enough to pay back the investors. That was the deal. At first I was not interested because it was too good to be true, but since this other people were already making money I wanted to give it a try. I made XXXX deposits of a total of XXXX dollars to a Wells Fargo account that was been used to operate in the United States. The account information I attached it to this complain form along with my XXXX receipts that I received from the bank branches, each receipts contain the branch information, the date and time of this transactions. Unfortunately, after no receiving any information or money back from this transactions I decided to contact the company and ask for a refund of my money but there was always an excuse, this went on for months, I even filled out a form from their company were I agree to get a refund but the company was just gaining time. At the end, the company disappeared I was left full of debts that till this day I am paying the consequences of the biggest mistake I have ever made in my life. This situation destroyed my life and the time of my family, I wanted to XXXX XXXX XXXX out of all the frustration I went through. With Gods help I was able to continue and I am still working up to XXXX hours a week for me to be able to come afloat in life because I had to start from XXXX. I reported this case to the FBI back in XXXX  but I never heard from them, I dont know if the Wells Fargo account that this company used to scam XXXX  of dollars from different people is still operating. I tried to report the account to Wells Fargo but the person I talked to told me they can not report any account and that I had to go to the police department. So this is my last resource, many people like me lost everything they had because of this company and whoever is operating this account should be held accountable as well for all the damage.

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX cash app closed my account. I currently have XXXXXXXX XXXX sitting in the account. I tried to link a debit card and a bank account to it starting on the same day that they had closed it. It would not let me add either one of the options. I have spoke to cash app multiple times over the course of this and they refuse to help or give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: GA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
Personal Statement Personal Statement Personal Statement there are two fraudulent accounts on my credit reports XXXX XXXX XXXX dir XXXX milestone card for XXXX i did not open these accounts, these accounts were open woth out my knowledge, XXXX XXXX XXXX for XXXX this is not my acocunt this was open with out my knowledge and Equifax has had a severe data breach, which was leaked on thr dark web was open up during the pandemic, my information was used with out my knowledge and this account is fraudulent, i want this account removed off my credit report, i did not open this account period rhey are failing to see how much information i have reported XXXX XXXX card for XXXX this account was open during the pandemic, my information was leaked because of data breach caused by XXXX and XXXX XXXX please remove this account it is fraudulent this account is not mine these three accounts were oprn with out my permission, these three accounts were open fraudulently, i do not recognize abt of these three accounts plesse remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
Personal Statement Personal Statement Personal Statement there are two fraudulent accounts on my credit reports XXXX XXXX XXXX dir XXXX milestone card for XXXX i did not open these accounts, these accounts were open woth out my knowledge, XXXX XXXX XXXX for XXXX this is not my acocunt this was open with out my knowledge and Equifax has had a severe data breach, which was leaked on thr dark web was open up during the pandemic, my information was used with out my knowledge and this account is fraudulent, i want this account removed off my credit report, i did not open this account period rhey are failing to see how much information i have reported XXXX XXXX card for XXXX this account was open during the pandemic, my information was leaked because of data breach caused by XXXX and XXXX XXXX please remove this account it is fraudulent this account is not mine these three accounts were oprn with out my permission, these three accounts were open fraudulently, i do not recognize abt of these three accounts plesse remove

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 2025-06-15 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute XXXX be mishandled in a similar manner.

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 2025-06-15 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: OH

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting late payments. After going over my credit report, I noticed incorrect late payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Mortgage — Conventional home 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am filing this complaint due to multiple violations of federal mortgage servicing laws ( 12 CFR 1024 RESPA/Regulation X ) by Mr. Cooper regarding my request for mortgage assistance on the above-referenced property.

1. Failure to Assign a Consistent Point of Contact ( Violation of 12 CFR 1024.40 ) Mr. Cooper has repeatedly failed to provide a single point of contact. I have been transferred to numerous representatives, each giving conflicting information, and no one has followed through on promised help. This lack of continuity has directly obstructed resolution of my case. 

2. Mishandling of Loss Mitigation Applications ( Violation of 12 CFR 1024.41 ( b ) & ( c ) ) I submitted a loss mitigation package including a hardship letter, financials, and relevant documentation. Mr. Cooper : Claimed documents were incomplete without clear explanation Refused to process my application based on non-cooperation from co-borrower XXXX XXXX, despite my documented efforts and communication Ignored the hardship I disclosed as a single parent earning $ XXXX This constitutes an illegal denial without proper review, especially since I was actively pursuing assistance. 

3. Foreclosure Activity During Pending Review ( Violation of 12 CFR 1024.41 ( g ) ) While my hardship letter and application were still pending, Mr. Cooper proceeded with foreclosure activity. This is a clear violation of the federal rule that prohibits foreclosure from proceeding while a complete or pending application is being reviewed.

4. Refusal to Recognize Me as Successor in Interest ( Violation of 12 CFR 1024.30 ( d ) ) As the Successor in Interest to the Estate of XXXX XXXX, I requested to proceed with loss mitigation. Mr. Cooper failed to acknowledge or process this request, despite regulatory obligation to work with successors. 

XXXX. Failure to Acknowledge Written Communication ( Violation of 12 CFR 1024.35 & 1024.36 ) I emailed their loss mitigation department directly. Their auto-reply said I would receive a response within 21 days. I never received a response. Instead, the foreclosure process resumeddespite written communications being federally protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I made a payment of {$39000.00} towards my student loan on XX/XX/XXXX. Appropriately applied to my loan, my next payment shouldnt be due until XX/XX/XXXX, but I was getting alerts that a payment was due in XX/XX/XXXX. I sent multiple messages and called several times from XXXX to XX/XX/XXXX and my loan servicer put in a request to have my loan payment accurately reflected in my payment history. She put an administrative forbearance for one month, but nothing was rectified and now I am getting an alert that Ive missed a payment. When I call Mohela the wait to speak to someone is HOURS and Ive gotten no reply to an online message I sent in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MD

Complaint narrative:
The credit bureau continues to leave these items on my report and send spoofing letters instead of investigating and removing the negative items. 

I am disputing the following items on my credit report which they have illegally refused to remove : 1. Hard Inquiries Under 15 U.S. Code 1681n and 1681b, inquiries that lack permissible purpose or consumer consent must be removed.

2. Late Payments According to 15 U.S. Code 1666 ( b ) and 1637 ( a ), I dispute the accuracy of the reported late payments. Please remove.

3. Collections Under 15 U.S. Code 1692g and 1692c, any collections lacking proper validation must be deleted.

4. Charge-Offs In accordance with 15 U.S. Code 1681e and 1681i, unverified or inaccurate charge-offs must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: PRIORITY PLUS FINANCIAL LLC
State: DE

Complaint narrative:
I entered into this agreement for a debt resolution program under the promises that they would have a process to negotiate with creditors and that I would no longer need to communicate with the creditors. They began working with XXXX XXXXXXXX XXXX XXXXXXXX with taking an agreed amount of money every two weeks starting in early XXXX and that they would begin working with the creditors from that point on. I was advised to not speak to my creditors and to relay information to XXXX XXXX about excessive communication or harassment from my creditors as well as any threats to sell my accounts or charge them off and that they will communicate on my behalf per a power of attorney contract I gave them. Numerous attempts to relay that information to XXXX XXXX about the XXXX phone calls a day from my creditors were sent through email and text. I was promised phone calls from XXXX XXXX to help contact the creditors and the promises were never kept. Creditors are beginning legal action against me and XXXX XXXX has shown no attempt to help stop that, and I was promised from day one that if they could not work with a creditor I would be told so I could handle them myself. XXXX XXXX and the associated company that referred me to them have caused much distress and have held me hostage with my creditors financially through false pretense through contradicting statements from either XXXX XXXX or Priority Plus Financial from the day I signed up. In order for me to keep my creditors from continuing any legal action I need to start contacting them and by doing so need to cancel my program with them. I have come to understand how a company like XXXX XXXX can work with Priority Plus Financial and give false hope that they will work in a timely fashion with creditors. Priority Plus said XXXX will work with all my creditors they agreed to take on. XXXX did not keep the same terms given by Priority Plus Financial. Multiple creditors are continuously reaching out to me as if XXXX XXXX has not made an attempt as promised and for that reason I have incurred hundreds of dollars in unnecessary fees that had I not used there services I would still be in good graces.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
I did not authorize credit company to create accounts on my name .. nor to falsely report late payments and charges off accounts when that has nothing nothings to do with me.also charge offs n charge off that says 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am disputing a debt reported by Cavalry Portfolio Services under Account XXXX : XXXX. I have never had any business relationship, contract, or account with Cavalry Portfolio or any original creditor they may be referencing. I have never borrowed or owed the alleged debt in question. I believe this debt is either the result of mistaken identity, an error, or possibly fraudulent activity.

I first became aware of this issue when I was contacted or notified about this alleged account. Since then, I have requested verification and documentation proving the validity of the debt and Cavalry 's right to collect it. As of this complaint, I have not received any valid proof that I owe this debt or that Cavalry Portfolio has the legal authority to collect it.

I request that this account be thoroughly investigated and removed if found to be inaccurate or unverifiable. I also request that any negative credit reporting related to this account be deleted.

Company response to consumer: Closed with explanation