vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my Equifax credit file under engagement number XXXX XXXX XXXX XXXX XXXX  I request that this matter be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Pursuant to * * XXXX XXXX. XXXX * *, consumers have the right to request the permanent blocking of information that is the result of identity theft, is inaccurate, or otherwise can not be verified. The information tied to the above engagement number is inaccurate and does not belong in my credit file. 

I am requesting the following actions be taken immediately : XXXX. * * Investigate and verify * * the disputed account ( XXXX ) under engagement number XXXX. 
XXXX. * * Delete or block * * all unverifiable, inaccurate, or fraudulent information as required by law. 
XXXX. Provide me with * * written confirmation * * of the results of your investigation and an updated copy of my credit report. 

I have enclosed copies of supporting documentation \ [ insert what you are attachingsuch as proof of identity, police report, FTC Identity Theft Report, billing statement, etc. ] to assist with your investigation. 

Please be advised that under the FCRA, you are required to complete your reinvestigation within * * XXXX  days * * of receiving this letter and to notify me of the outcome promptly. 

Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
My money has been stuck in the XXXX  crypto exchange since XX/XX/year>, and I have not been able to access it. Gemini keeps asking me to complete identity verification, which I have done multiple times, yet I am still unable to withdraw my funds. 

When I try to convert my XXXX into XXXX ( XXXX dollars ), XXXX  forces me to withdraw only to the original bank account I deposited from. That bank account is currently frozen, which means I am completely blocked from accessing my money. Even after I added another verified bank account in my name, XXXX has refused to allow me to withdraw to it. 

This has caused me significant financial harm and is an unreasonable delay in providing me access to my own funds. 


XXXX. XXXX XXXX Transfer Act ( XXXX XXXX. XXXX ) & Regulation XXXX ( XXXX XXXX XXXX ) : Financial institutions must investigate consumer disputes within XXXX business days. If more time is required, they XXXX take up to XXXX  days, but they must issue provisional credit during the investigation. Holding my funds for over a month without any access violates these protections. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Prohibits unfair, deceptive, or abusive acts or practices. Refusing to allow me to withdraw to another verified account in my own name is an unfair restriction, as it leaves me no reasonable way to access my money. 
XXXX. State Money Transmitter Laws ( varies by state ) : As a licensed money transmitter, XXXX  is required to promptly transmit or refund customer funds when requested. Holding my money indefinitely without lawful justification is inconsistent with these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
In XXXX  my ex husband pulled a XXXX on me at my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The court system dropped the charges down and put him on probation for XXXX  years, all because his best friend is the sheriff of XXXX XXXX. My ex husband was and still is a cop. With his pull in the justice system he took ok me to court and had myself and my children removed from the house. I couldnt afford XXXX places to live and he refused to agree on the sale of the house the house was foreclosed upon. He took out personal loans in my name didnt pay credit card bills that the divorce decree said he had to pay which ultimately ruined my credit. He even took out federal student loans in my name and kept the refund. I have reported all this but nothing has been done since he is law enforcement with political ties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: DE

Complaint narrative:
Mohela has provided me with conflicting information. In XXXX of XXXX, they sent me a letter stating that even though my account was in forbearance, that interest would continue to accrued. Which was not supposed to be happening since this was an interest free forbearance. I have contacted them several times and continued to get conflicting information. On XXXX occasion they have sent me a message stating they were aware of the added interest and were working to remove this from accounts. This was months ago and they still have not removed the interest. I also contacted them on the phone and the customer service representative stated that they could not " see '' any interest on my account and claimed that there was not interest any my balance total was accurate. I then filed a complaint with federal student aid who responded to me stating that Mohela reported to them that no interest was added during the interest free period and that any interest on my account had either accrued prior to the forbearance or once I had gotten back into repayment. I again filed a complaint to Mohela, explaining that I was able to see the changes each month during this forbearance based on the increase in amount that they were reporting to XXXX. I have evidence to show how my balance increased from XX/XX/XXXX up until the present, even though I remained in the forbearance until XXXX or XXXX of XXXX. They still have not responded to this most recent complaint where I reference the proof via my credit report. I have been back in repayment since XX/XX/XXXX, however, because they have not adjusted the interest added in error none of my payments are going towards my principle- I am not able to afford to pay over {$2000.00} in interest that was wrongfully added. So now I XXXX end up paying tens of thousands more to pay off my loans because of this error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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:
I am the victim of identity theft. Fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I requested that Experian, TransUnion, and Equifax block and delete these fraudulent accounts. They have failed to comply within the required time frame. I am seeking CFPB assistance to enforce my rights and ensure the fraudulent accounts are permanently removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am the victim of identity theft. Fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I requested that Experian, TransUnion, and Equifax block and delete these fraudulent accounts. They have failed to comply within the required time frame. I am seeking CFPB assistance to enforce my rights and ensure the fraudulent accounts are permanently removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
nauthorized hard credit inquiries on my credit reports, which I did not initiate or consent to. These inquiries include, but are not limited to : Equifax report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inquiries were made fraudulently and without my knowledge or authorization. I have never applied for credit with these companies and have no relationship with them. 

On XX/XX/XXXX, I formally disputed these inquiries with Equifax, Experian, and TransUnion. My disputes included my FTC Identity Theft Report, proof of identity, and proof of address. I invoked my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) ( right to a reasonable reinvestigation ), 611 ( a ) ( 5 ) ( A ) ( deletion of unverifiable information ), and 605B ( blocking of fraudulent information when an identity theft report is provided ).

I also reminded the bureaus of their obligations under the Fair Debt Collection Practices Act ( FDCPA 1692g ), which prohibits furnishers and collectors from reporting or collecting debts without providing proper validation.

Despite these disputes, the fraudulent inquiries remain on my credit file, continuing to damage my credit profile. These unauthorized inquiries have lowered my credit score, caused me emotional distress, and risked denial of legitimate credit applications. 

The bureaus have failed to fulfill their legal duties to block and remove fraudulent items within XXXX business days upon receipt of my FTC Identity Theft Report, as required by FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am a victim of identity theft and would like all accounts associated removed

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

Complaint narrative:
I am a victim of identity theft and would like all accounts associated removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XXXX allowed a third party merchant to report fraudulently to my frozen credit. I dont know who PHH is nor do I have a signed contract of any sort with them to have them posted on my credit ; hindering me from being able to utilize my credit stature fairly. This fraudulent posting on my credit cause my credit score to drop nearly XXXX points. This is causing a major negative impact on my credit and reputation. XXXX is not complying with Title VI of the Consumer Credit Protection Act, The Fair and Accurate Credit Transactions Act, and the Fair Credit Reporting Act. There is now a fraud alert placed with XXXX  which was and still is supposed to be frozen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation