vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently notified Equifax that I am a victim of identity theft and that there are multiple addresses on my credit report that do not belong to me. furthermore there is a XXXX XXXX Reported : XXXX. XXXX, XXXX  on my report, this is not my account and I did not pay a settlement or had anything to with this account. there fore it should not be on my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im reaching out because Ive been a victim of identity theft, and its been an incredibly overwhelming and upsetting experience. Accounts were opened in my name without my knowledge or permission, and its had a serious impact on my credit and overall sense of security.

Im doing everything I can to clear my name and protect myself moving forward, but I really need your help. These fraudulent accounts dont reflect who I am or how I manage my finances. Please, Im asking that you remove them from my credit report.

This situation has been deeply stressful, and I truly appreciate any support you can offer as I work to get back on track

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this complaint to formally report serious issues related to my student loan account ( s ), including : 1. Unauthorized Disclosure of Personally Identifiable Information ( PII ) : I believe my data has been exposed or misused in a manner that violates the Family Educational Rights and Privacy Act ( FERPA ).

2. Violation of Title IV Funding Conditions : The institution involved may have mismanaged federal student aid funds in violation of Title IV regulations, including but not limited to improper certification or servicing of my loans.

3. Data Breach and Privacy Concerns : I have reason to believe that my personal and financial information was involved in a recent data breach either through the loan servicer or school, which I was not properly notified about. This compromises my financial security and may qualify me for loan discharge under federal regulations. 
Request : Given the above, I respectfully request : A full investigation into the potential FERPA and Title IV violations.

Written documentation regarding the breach or misuse of my data.

Immediate discharge or cancellation of my federal student loans as permitted under applicable law due to mishandling or eligibility violations.

Thank you for your time and attention to this matter. 
Sincerely, Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Email XXXX XXXX Phone : XXXX MOHELA Account Number :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file an urgent and serious complaint regarding the gross mishandling of my personal information by Equifax, which resulted in a massive data breach that compromised the sensitive data of over XXXX XXXX XXXX including mine. 

As a direct victim of this breach, I have reason to believe that this unauthorized exposure of my data has led to negative consequences on my credit reports maintained by Equifax, Experian, and TransUnion. I hold these reporting agencies responsible for failing to protect my information, and I am now demanding immediate corrective action.

Let me be explicitly clear : All negative and derogatory items currently listed on my credit reports with Equifax, Experian, and TransUnion must be removed within four ( 4 ) business days of receipt of this letter. These accounts are tainted by the breach of trust and data integrity caused by Equifaxs negligence, and I will not accept further damage to my financial standing as a result. 

I am prepared to escalate this matter through legal action, media exposure, and congressional complaint channels if necessary. I am also prepared to hold each credit bureau accountable for any continued reporting of harmful data that resulted from this breach. Enough is enough.

Attached are supporting documents including my identity verification, breach notification from Equifax, and recent credit reports highlighting the negative entries in question. 

Failure to act immediately will result in a formal lawsuit for damages, including but not limited to, emotional distress, financial harm, and failure to secure personal consumer data. The negligence that allowed this data breach to occur should not and will not be tolerated without accountability. 

I expect a confirmation of receipt and notification of action taken no later than, XX/XX/year>2025 2025

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 2025-04-12 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a notification from my credit bureaus that lender inquirys were present. I did not apply for anything so someone is doing fraud and applying for credit multiple places. The following places and date are where it happened : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX WFBNA CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I co-signed with my daughter or her XXXX  loans. She has an email from XXXX stating her loan was still in forbearance. It hit my credit yesterday stating it was 90 days past due, my credit score dropped over XXXX points. She or Myself never got a notice, or any information about payments due, we not thought it was still in forbearance. We have tried multiple times to log into her account and it just says they can not or do not have any information on her loan. We cant even make a payment on the loan at this point. We have tried calling but all the phone numbers listed do not work. My credit report says everything is good until this month and magically we are 90 days behind. This is very suspicious and unethical behavior.

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 2025-04-12 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: NC

Complaint narrative:
I was attempting to purchase a camper from someone off XXXX marketplace for XXXX. Cash app canceled my payment and locked my account for 24-48 hours. I reached out to via chat in app and was informed there was nothing I could do except wait the lock out.. I asked to speak to a manager at which time they asked for my email and said a manager will be in touch soon.. I called the XXXX number and was told the same thing after verifying all the account info.. I was using the phone number associated with the account when I sent the money, I entered the pin and had the security lock on so my face had to be verified to send.. they still locked my account even after calling in numerous times, being hung up on, repeated the same information too and pretty much ignored. I did everything I was supposed to to send the money and theyre still holding it refusing to let me have it.. so I asked to close the account no go..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), as well as applicable provisions of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), regarding multiple inaccurate, incomplete, and legally non-compliant entries on my TransUnion credit report. Under federal law, you are required to conduct a full and thorough reinvestigation of the information disputed herein and delete or correct all data that can not be verified with legally admissible, documented evidence. Any failure to do so within 30 days of receipt of this notice will constitute willful noncompliance under 1681n, opening the door to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my formal notice of dispute pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ), as well as applicable provisions of the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), regarding multiple inaccurate, incomplete, and legally non-compliant entries on my TransUnion credit report. Under federal law, you are required to conduct a full and thorough reinvestigation of the information disputed herein and delete or correct all data that can not be verified with legally admissible, documented evidence. Any failure to do so within 30 days of receipt of this notice will constitute willful noncompliance under 1681n, opening the door to civil liability.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
XXXX refused to halt the enforcement action while I was in a financial deficit after getting information about the situation. 


Navy Federal doesnt offer any type of service to cover consumer who face hardship or XXXX when applying for there products.and refuses to halt enforcing actions against me while I was in a financial deficit after receiving information. 

I have been affected by collection and negative credit reporting. While waiting for assistance I faced negative reporting from XXXX XXXX XXXX. Refused to halt enforcing actions after receiving application for assistance because of my financial deficit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i had told them my data was breach on XXXX and i told them i had screen shot from the webstie saying my data been breach and i didint sign no paper work with them and then when i use 15 u.s.c 1692 A, B, C that when they just hang up the phone in my face

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has denied multiple applications of mine. The reason stated on the denial letter was due to previous account usage with Capital One. I have never applied for or had a capital one card before. The only previous account associated with my social security number is an account that was closed nearly 10 years ago due to being fraudulently opened. The account was applied for and opened without my knowledge or approval. The account was closed and a fraud investigation took place. The result of the fraud investigation validated that the account was opened without my knowledge and was closed with the status of Account closed due to identity theft. The account has not since reported to my credit reports and no other accounts or cards were ever opened or associated with my social security number. I have called Capital One over 19 times in the past year. The situation was escillated to a supervisor who confirmed that I am being denied credit due to the result of the fraudulently opened account resulting from my identity being stolen.. Furthermore I have informed Capital One that I am a certified victim of human trafficking and thus I have rights. Nothing has been done to resolve this issue. I am unjustly being denied credit with Capital One as a result of identity theft and human trafficking status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
A Barclay 's credit card was fraudulently opened in my name without my consent or knowledge on XX/XX/year>. I noticed this on my credit report at the end of XXXX XXXX, called the card issuer and had it cancelled. I filed a fraud alert with all the credit bureaus. Barclays refuses to give me any info about the card beyond closing the account and marking it as fraudulent. I still have to pay this so it doesn't affect my high credit score. I have asked multiple times via phone calls that I would like access to either an online customer portal or a copy of a paper bill sent to my mailing address. They refuse to help me. I have also asked to dispute any transactions on the fraudulent card ( which is closed now ) and my request was denied. I know nothing about this card as Barclays has refused to do anything except close the card. I filed an identity theft report with the FTC and report with local police, and Barclays will not let me send it to them. This is going to destroy my 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 2025-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
My credit report is reflecting twice on XXXX and I have tried to complain and they dont do anything. I am also a veteran with XXXX XXXX XXXX XXXX and this should be removed from my file.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: CA

Complaint narrative:
I've been getting calls from a number. That i owe a debt that I know nothing about. 
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've just received a piece of mail today. Stating the principle assigned is XXXX. Dollars and XXXX cents. 
With the current balance of a {$170.00}, with the interest rate of 7 % total do {$170.00} And according the fair credit reporting Act 15 U.S.C-1681 this is against the law

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 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Date : XX/XX/year>2024 Amounts : {$1000.00} Situation : I opened a Citibank checking account on or around XX/XX/XXXX, but I never received my debit card. Then, on XX/XX/XXXX, while i was at home and I received an alert from Citibank that {$1000.00} had been withdrawn from an ATM. I immediately called the bank and filed a dispute. However, after their investigation, Citibank concluded that it was a normal transaction. 

After receiving that result, I called the bank again to file another dispute, but a few days later, I was given the same response. As a result, I decided to file a police report and submit another dispute. Unfortunately, I found out today that the result still has not changed. 

As a college student, this amount is a significant financial burden. I never received my debit card, never used it, and reported the issue immediately. Despite filing multiple disputes and even a police report, Ive been told the transaction was considered normal, which I strongly disagree with. I am very disappointed with how Citibank has handled this issue. I am requesting CFPB assistance to have this matter properly investigated and resolved. My police report ID is 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 monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have checked my credit score at XXXX XXXX XXXX XXXX XXXX and some 4-5 months ago they reported a score of XXXX. A few months ago I check it again when I attempted to lease a apartment at XXXX XXXX XXXX XXXX XXXX. The credit score was given to me was XXXX. When I went to experian itself they are reporting XXXX. Since my bankruptcy XXXX XXXX XXXX XXXX I have paid all Rent, utilities, and car payments on time. I would ask that Experian if they do not wish to accurately reflect payments they should be removed. I do not wish to have Experian doing credit reporting and engage in discrimatory lending practices against me.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OFCONFIRMATION.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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