vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
This occurred on XXXX XXXX. {$20000.00} was taken from my bank account to cash app and unauthorized transferred out to their account. Ive provided cash app with the police report. Ive been calling support daily for updates, emailing the XXXX providing the police report on THEFT and cash app already denied one of my claims ( {$5000.00} part of the same $ XXXX claim ) and said it was authorized?! Which is completely FALSE and not true!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} Account number XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1300.00} Account number XXXX XXXXXXXX XXXX  - Opened XX/XX/XXXX With a balance of {$1000.00} Account number XXXX XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$3000.00} Account number XXXX XXXXXXXX XXXX  - Opened XX/XX/XXXX With a balance of {$3800.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-08-09 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-09 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: FL

Complaint narrative:
I have filed a police report regarding the identity theft, and I have attached a copy of that report along with a valid government-issued photo ID and proof of address for verification. I am requesting the immediate removal and blocking of all fraudulent accounts, inquiries, and information from my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B. Please send me written confirmation once these fraudulent items have been removed from my credit report and provide a copy of my updated credit file. Thank you for your immediate attention to this serious 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 2025-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Complaint Summary : American Express Bank , FSB advertised a cash bonus for opening a new High Yield Savings Account but failed to honor the offer despite my meeting all stated requirements. 

Details : On XX/XX/year>, at XXXX AM, I received a promotional email directly from American Express offering a cash bonus for opening a High Yield Savings Account and funding it within the specified time. The email was sent to my registered American Express email address and included my correct name and credit card number ( See attached Promo email ). 

The promotions terms stated : The account must be opened by XX/XX/year>. 
{$25000.00} in new funds must be deposited within 30 days of account opening. 
The deposit must be maintained for at least 60 days. 

On XX/XX/year>, I opened the account ( see attached Account Opening Confirmation ). On XX/XX/year>, I deposited {$25000.00} into the account, well within the required funding period. My account has remained open and in good standing ( see attached XXXX and XXXX statements ). 
Unlike American Express credit card services, their XXXX accounts do not allow written communication with customer serviceonly telephone supportwhich prevents customers from obtaining a written record of responses and commitments. 
On Monday, XX/XX/XXXX, I called American Express because the XXXX holding period required by the promotion had passed, yet I had not received the cash bonus. The representative reviewed my case and verbally confirmed I met all the promotional requirements. However, they claimed their system incorrectly showed I had not received the promo email, alleging I must have used a forwarded emailthis is false. I have the direct, original promotional email showing correct account information. The representative said a XXXX would contact me and might request that I forward the email, but only a XXXX could initiate that step. 
On Thursday, XX/XX/XXXX, I called again since no one had contacted me. The representative apologized and explained that there is a large backlog of complaints, with cases from XX/XX/year> still unresolved. I was told I should expect to wait over XXXX months for any action. 

This constitutes false or misleading advertising : XXXX XXXX is aware that customers have been receiving promotional emails but not receiving the promised bonuses. 
Complaints have been accumulating since XXXX, yet XXXX has neither stopped the promotion nor corrected the issue. 
They continue sending promotional emails despite knowing affected customers will not receive the advertised bonus. 

Their stated resolution time of over XXXX months appears designed to rely on the fact that many customers will give up their claim or eventually forget about it. Allowing customers to simply submit the promotional email as proof should not reasonably take over XXXX months to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint : The XXXX Department of Education is reporting a {$1100.00} charge-off on my TransUnion credit file with a Date Opened of XX/XX/XXXX and Date Reported of XX/XX/XXXX. The portion of the account number that shows on my credit report is : XXXX. 
I have had NO educational loans or activity since XX/XX/XXXX! This appears to be illegal re-aging of an old debt, in violation of the Fair Credit Reporting Acts 7-year reporting limit.

This false entry caused my TransUnion credit score to drop by XXXX points! 
I have maintained excellent credit for most of my adult life, and this has severely damaged it. 

The timing is especially harmful my family has been displaced from XXXX XXXX for almost a year, living in an RV, and we are in the process of trying to purchase a manufactured home. This inaccurate reporting has directly jeopardized my ability to secure housing. 

XXXX  shows no such delinquency, further indicating an error. I request immediate deletion of this account from my credit file and written proof of resolution. 
I have formally disputed with trans union. I need experience, XXXX  and ALL credit reporting agencies to CLEAR this from my EXCELLENT CREDIT RATING IMMEDIATELY. I will seek legal representation formally against XXXX Department of Education and all credit agencies.. 

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 2025-08-09 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: FL

Complaint narrative:
Complaint : The XXXX Department of Education is reporting a {$1100.00} charge-off on my XXXX  credit file with a Date Opened of XX/XX/XXXX and Date Reported of XX/XX/XXXX. The portion of the account number that shows on my credit report is : XXXX. 
I have had NO educational loans or activity since XX/XX/XXXX! This appears to be illegal re-aging of an old debt, in violation of the Fair Credit Reporting Acts 7-year reporting limit.

This false entry caused my XXXX  credit score to drop by XXXX points! 
I have maintained excellent credit for most of my adult life, and this has severely damaged it. 

The timing is especially harmful my family has been displaced from XXXX XXXX for almost a year, living in an RV, and we are in the process of trying to purchase a manufactured home. This inaccurate reporting has directly jeopardized my ability to secure housing. 

Equifax shows no such delinquency, further indicating an error. I request immediate deletion of this account from my credit file and written proof of resolution. 
I have formally disputed with XXXX XXXX. I need experience, equifax and ALL credit reporting agencies to CLEAR this from my EXCELLENT CREDIT RATING IMMEDIATELY. I will seek legal representation formally against XXXX Department of Education and all credit agencies.. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint : The XXXX Department of Education is reporting a {$1100.00} charge-off on my XXXX  credit file with a Date Opened of XX/XX/XXXX XXXX  and Date Reported of XX/XX/XXXX XXXX. The portion of the account number that shows on my credit report is : XXXX. 
I have had NO educational loans or activity since XX/XX/XXXX! This appears to be illegal re-aging of an old debt, in violation of the Fair Credit Reporting Acts 7-year reporting limit.

This false entry caused my XXXX  credit score to drop by XXXX points! 
I have maintained excellent credit for most of my adult life, and this has severely damaged it. 

The timing is especially harmful my family has been displaced from XXXX XXXX for almost a year, living in an RV, and we are in the process of trying to purchase a manufactured home. This inaccurate reporting has directly jeopardized my ability to secure housing. 

XXXX  shows no such delinquency, further indicating an error. I request immediate deletion of this account from my credit file and written proof of resolution. 
I have formally disputed with XXXX XXXX. I need experience, XXXX  and ALL credit reporting agencies to CLEAR this from my EXCELLENT CREDIT RATING IMMEDIATELY. I will seek legal representation formally against XXXX Department of Education and all credit agencies.. 

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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Per the attached letter, that I sent multiple times to American Express in the past 2+ years, I closed my XXXX XXXXXXXX XXXX Acct XXXX XXXX XXXXXXXX, in XX/XX/XXXX due to fraudulent charges showing up twice on this card within two months, then choosing not to reissue it. After paying off my remaining balance in XX/XX/XXXX, they reversed a {$250.00} New Account Promotion Credit that I had met the terms for and they had previously given to me ( " Statement Credit Reversal, Promotional Adjustment Credit '', XX/XX/XXXX ) and have since been charging me interest and fees on this {$250.00} balance, which they now, 2+ years later indicate requires payment for a balance over {$1200.00}. During this time- now for 2+ years : 1 ) they seriously damaged our outstanding Credit Rating, 2 ) they called repeatedly to seek repayment, and 3 ) they continue to send out monthly statements and threats of " turning us over to a Collection Agency '', Dispute my multiple ( 20+ ) attempts to resolve this through calls, website disputes and letters sent to them.. This has to STOP NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: CA

Complaint narrative:
Subject : Unfair and Incomplete Review of Private Student Loan Discharge Application XXXX XXXX XXXX ( Now Serviced by Mohela ) Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding a private student loan originally serviced by XXXX and now transferred to Mohela. The loan was taken out for attendance at the XXXX XXXX, an institution that was sued and held liable for fraudulent practices. As a result of this legal action, federal student loans related to the school have been forgiven. However, my private loan has not been discharged, despite being for the same fraudulent education. 

In XXXX while the loan was still with XXXX, I applied for a discharge based on school misconduct. My application was denied, with the explanation that I had not proven hardship. I disagreed with that decision, as the loan has clearly caused me financial hardship. Despite making payments for years, the balance has barely decreased due to high interest rates, and I am required to make payments even during the summer months ( XXXX and XXXX ) when I do not earn income due to my employment as a substitute teacher for public school districts. 

After the loan was transferred to Mohela, I reached out again and was encouraged by Mohela staff to reapply. They made me believe that the application would receive a proper and independent review. I gathered and submitted new documentation to support my case. However, just a few days later, I received a letter stating that the matter had already been resolved and my application was denied again. 

I have a copy of the letter Mohela sent, and its clear that my new documentation was not reviewed. The decision appeared to be predetermined. I feel this process was misleading and unfair I was led to believe my application would be taken seriously, but it was dismissed without genuine consideration. It feels like I was strung along, only to be told there was no recourse. 

I respectfully request that the CFPB investigate this matter and ensure that borrowers like myself who were victims of institutional fraud are not denied a fair review simply because their loans are private. The same misconduct that led to federal loan forgiveness applies here, and it is unjust that the harm continues for private loan borrowers. 

Thank you for your attention. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
I am filing this complaint because Experian is continuing to report inaccurate and incomplete information regarding an auto loan account formerly held by XXXX XXXX XXXX. 

On XX/XX/year>, XXXX sold this account to XXXX XXXX XXXX XXXX XXXX, as confirmed in XXXX written CFPB response ( copy attached ). I have provided this proof to Experian, yet Experian continues to report the account as a charge-off with derogatory payment history after the date of sale. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation ) and 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to provide the full method of verification ). 

I am requesting that Experian either delete this tradeline or correct it to reflect the accurate status : Sold/Transferred Closed as of XX/XX/year>, with no derogatory updates after that date. I am also requesting a full method of verification, including the name and contact information of the person at XXXX who verified the account, and the records that were reviewed.

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 2025-08-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit profile

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I will not send anything by mail, I am requesting immediate corrective action against XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. 
611 ( a ) Right to dispute and have a reasonable reinvestigation.

610 ( a ) Obligation to provide clear and reasonable means of dispute.

The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry.

Contrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ) mandates the safeguarding of consumers personal information. 

Forcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards. 

Creates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands. 

If lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I will not send anything by mail, I am requesting immediate corrective action against XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, for engaging in unfair, unsafe, and unlawful practices in the handling of consumer file disclosures and security freezes. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, requires consumers to send highly sensitive identifiers including a government-issued ID, proof of address, date of birth, and in many cases a full Social Security number by physical postal mail in order to process security freezes, disputes, or file disclosures. This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner.

611 ( a ) Right to dispute and have a reasonable reinvestigation.

610 ( a ) Obligation to provide clear and reasonable means of dispute.

The forced use of physical mail is not a reasonable means when secure, encrypted, electronic submission is possible and standard in the industry.

Contrary to GLBA Privacy Obligations Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) mandates the safeguarding of consumers personal information.

Forcing sensitive identifiers into physical mail a method known to be vulnerable to loss, theft, or interception fails to meet reasonable security standards.

Creates a Foreseeable Risk of Identity Theft Postal mail is not encrypted and passes through multiple hands.

If lost, stolen, or misplaced by the recipient, the consumer is at immediate risk of identity theft, financial fraud, and privacy violations.

Company response to consumer: Closed with explanation