vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
I was having a hard time finding a job and so an advertisement for XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in the advertisement they promised you guaranteed job placement on completion of the program. I immediately sent a request for information and received a call from XXXX I believe his name was and made it sound amazing. I have been in the securities industry for a decade at that point and asked him questions which he was not qualified to answer. He put me in contact with the owner of the school XXXX who told me I was over qualified for the school but he would accept me and just get licensed for my XXXX  XXXX and he would introduce me to a firm for job placement. I explained to him I was unemployed and couldnt afford the school after hearing the price and he said they had in house financing so I said Id listen to the process. XXXX reached back out to me again and I explained to him I was unemployed and had no income to verify for the loan to get approved. He than said we are going to use your starting salary of {$50000.00} from the guaranteed job placement and I questioned him and said that doesnt sound right to me. He assured me it was that they do it for all the students so I guessed it was ok. He pressured me non stop and will provide a screen shot of him lying about the income which is illegal. Once I was approved I met with the owner maybe twice for an hour and that was it. I studied for my test and eventually passed it. During this time I started getting phone calls about late payments for the loan which didnt make sense because I was still studying and I had no money to pay which they knew about. Thats when it got weird because XXXX which was some XXXX company said it was CLIMBs mistake and CLIMB said it was XXXX billing error. I know was XXXX months late and XXXX the owner proceeded to tell me I didnt pass the school and never got my certificate and made up some excuses about not completing homework or something which is inaccurate. He was the one who told me I didnt have to do anything and was overqualified during his sales pitch. He even went as far as to sabotage my job offer and they yanked my contract at and told me they couldnt pay me. So I was tricked into this loan and received no certification no job and cost me thousands of dollars personally and wrecked me financially for my credit report and score. I think he is running a scheme praying on people who need jobs and having his salesman fraudulently sign people up with fake income like they did me. XXXX needs to be contacted because the firm that I worked for never paid me and hurt me bad. I have emails and proof of everything I said if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
b'XXXX\t    \t   rate               14 months CD      (5.15% APY)\n \tXXXX 5.02201%\tXXXX4       day        P+I             INTEREST\n\tXXXX\t5.02201%\tXXXX\t4\tXXXX\tXXXX\t\nXXXX\tXXXX\t5.02210%\tXXXX\tXXXX\tXXXX\tXXXX\t\nXXXX\tXXXXXXXX\t5.02210%\tXXXX\tXXXX\tXXXX\tXXXX\t\nXXXX\tXXXX\t5.02210%\tXXXX\tXXXXtXXXX\tXXXX\t\nXXXX\tXXXX\t5.02210%\tXXXX\tXXXX\tXXXX\XXXX\t\n5\XXXX\t5.02210%\tXXXX\tXXXXtXXXX\tXXXXt\nXXXXtXXXX\t5.02210%\tXXXX\tXXXXtXXXX\tXXXXXXXXt\nXXXX\tXXXXXXXX\t5.02210%\tXXXX\tXXXX\tXXXX\tXXXX\t\nXXXX\tXXXX\t5.02210%\tXXXX\tXXXX\tXXXX\tXXXX\t\XXXXtXXXX\t5.02210%\tXXXX\tXXXX\tXXXXXXXX\tXXXX\t\nXXXXXXXX\tXXXX\t5.02210%\tXXXXtXXXX\tXXXX\tXXXX\t\nXXXX\tXXXXt5.02210%\tXXXX\tXXXX\tXXXX\tXXXXt\nXXXXtXXXX\t5.02210%\tXXXX\XXXX\tXXXX\tXXXX\t\nXXXX\tXXXX\t5.02210%\tXXXX/XXXX/XXXXXXXX\tXXXX\tXXXX\tXXXX\t\n14\tXXXXXXXX\t5.02210%\tXXXXXXXX\tXXXX\tXXXX\tXXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper Loan # XXXX XXXX Mortgage transferred my loan to Mr Cooper on XX/XX/year> or more days ago. XXXX XXXX has generated documents showing the transfer and has received my payment in XXXX on XX/XX/XXXX but they refuse to generate a statement showing I made this payment. MY next payment is due and will be auto paid in XXXX  days on XX/XX/XXXX and again Mr Cooper is telling me they might not generate any statements showing my payments possibly until XXXX XXXX  months after the transfer. This is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
Subject : Complaint Regarding Charge-Off Account Lack of Required Form 1099-C ( 26 U.S.C. 6050P and FCRA 1681 ) To Whom It May Concern, I am writing to file a formal complaint regarding a charge-off account being reported by [ XXXX XXXX XXXX Florida XXXX without the issuance of a Form 1099-C, in apparent violation of 26 U.S. Code 6050P and possibly the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ).

Summary of the Issue : Creditor Name : XXXX XXXX XXXX Florida Original Account Number : XXXX Amount Charged Off : {$600.00} Charge-Off Date : [ XX/XX/year> ] Reporting Credit Bureaus : [ Experian, Equifax, TransUnion ] Under 26 U.S.C. 6050P, any applicable financial institution or creditor is required to file Form 1099-C with the Internal Revenue Service and furnish a copy to the borrower when {$600.00} or more of indebtedness is canceled. I have not received a 1099-C form nor any written communication regarding a cancellation or discharge of the debt. However, the debt has been reported as a charge-off on my consumer credit report.

Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), information furnished to consumer reporting agencies must be accurate and not misleading. Reporting a charged-off balance without clarifying whether the debt has been forgiven or remains legally collectible creates a potentially deceptive representation of the accounts current status. 

My Requests : XXXX. Investigate whether [ XXXX XXXX XXXX Florida ] or their agent has complied with 26 U.S.C. 6050P by filing Form 1099-C with the IRS and providing a copy to me as the debtor.

2. Determine whether the current credit reporting practices of the creditor/debt collector violate the accuracy and integrity requirements of the FCRA.

3. Provide a written explanation as to whether this debt is still being pursued, was sold, or has been canceled in full or in part.

4. If the debt has been canceled and no 1099-C was issued, I ask that CFPB require the entity to correct the oversight and furnish a 1099-C as required by law.

5. If the debt has not been canceled, I request clarification on the current ownership and legal status of the account.

I am attaching the relevant pages from my credit report.

Thank you for your assistance in addressing this matter and helping ensure compliance with applicable consumer protection and tax reporting laws. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
Subject : Complaint Regarding Charge-Off Account Lack of Required Form 1099-C ( 26 U.S.C. 6050P and FCRA 1681 ) To Whom It May Concern, I am writing to file a formal complaint regarding a charge-off account being reported by [ XXXX XXXX XXXX Florida XXXX without the issuance of a Form 1099-C, in apparent violation of 26 U.S. Code 6050P and possibly the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ).

Summary of the Issue : Creditor Name : XXXX XXXX XXXX Florida Original Account Number : XXXX Amount Charged Off : {$600.00} Charge-Off Date : [ XX/XX/year> ] Reporting Credit Bureaus : [ Experian, Equifax, TransUnion ] Under 26 U.S.C. 6050P, any applicable financial institution or creditor is required to file Form 1099-C with the Internal Revenue Service and furnish a copy to the borrower when {$600.00} or more of indebtedness is canceled. I have not received a 1099-C form nor any written communication regarding a cancellation or discharge of the debt. However, the debt has been reported as a charge-off on my consumer credit report.

Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), information furnished to consumer reporting agencies must be accurate and not misleading. Reporting a charged-off balance without clarifying whether the debt has been forgiven or remains legally collectible creates a potentially deceptive representation of the accounts current status. 

My Requests : XXXX. Investigate whether [ XXXX XXXX XXXX Florida ] or their agent has complied with 26 U.S.C. 6050P by filing Form 1099-C with the IRS and providing a copy to me as the debtor.

2. Determine whether the current credit reporting practices of the creditor/debt collector violate the accuracy and integrity requirements of the FCRA.

3. Provide a written explanation as to whether this debt is still being pursued, was sold, or has been canceled in full or in part.

4. If the debt has been canceled and no 1099-C was issued, I ask that CFPB require the entity to correct the oversight and furnish a 1099-C as required by law.

5. If the debt has not been canceled, I request clarification on the current ownership and legal status of the account.

I am attaching the relevant pages from my credit report.

Thank you for your assistance in addressing this matter and helping ensure compliance with applicable consumer protection and tax reporting laws. 

Sincerely, [ 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 2025-06-07 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:
I did not open this account and have no knowledge or association with it. This is a clear case of identity theft and fraudulent activity. I am requesting its immediate removal from my credit 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 explanation
Consumer complaint received 2025-06-07 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: DC

Complaint narrative:
I RECENTLY DISCOVERED UNAUTHORIZED USE OF MY CONSUMER REPORT AND I JUST SO HAPPENED TO SEE IM A VICTIM OF IDENTITY THEFT. PLEASE INVESTIGATE THESE FRADULENT ACTIVITIES WHICH IS HURTING MY ABILITY TO OBTAIN CREDIT.

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 2025-06-07 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts that I am not familiar with. I have asked the CRA 's for validation of debt, however that information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached the copy of my ID, SSN, FTC complaint, NPD showing my information was exposed in a national data breach, and a validation debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AR XXXX XXXX XXXX Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I did not authorize these credit checks and have no existing relationship with the companies listed. Therefore, I am requesting that these inquiries be investigated and removed from my credit file. 

Please provide written confirmation of the results of your investigation and a corrected copy of my credit report once the inquiries have been removed. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe required by the FCRA. 

Sincerely, 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 2025-06-07 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX, this experience has been extremely stressful and XXXX XXXX. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: AZ

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX this experience has been extremely stressful and XXXX XXXX  I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future.

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 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