vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: CT

Complaint narrative:
I have spent about 25 hours on the phone with Mohela, the loan servicer as well as Federal student aid. hey have 3 hour hold times. I have submitted complaints with federal student aid and Mohela since XX/XX/XXXX with no response. 

Each entity is not wanting to take responsibility to correct and remove the interest that accrued during the pandemic and the court injunction under the SAVE repayment program. 
Attached please find the account history going back to XX/XX/XXXX when payments are made and interest is being applied during the XXXX XXXX. Interest needs to be removed from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to the present date. 
I want this done so XXXX can payoff these loans. 

- Interest as only to accrue from XX/XX/XXXX to XX/XX/XXXX which amounts to {$160.00}. I make payments weekly through MOHELA and interest is being applied. I need the interest subsidy to be applied. Need to provide adjustment due to court injunction during forbearance under the SAVE program. ( interest accrued adjustment from XX/XX/XXXX through XX/XX/XXXX and from XX/XX/XXXX to the present date ). 

- I have uploaded the loan history from Mohela. I started making payments since XX/XX/XXXX Both, Mohela and XXXX student aid need to act appropriately to remove the interest that should not have been applied to my balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Requested validation request from TransUnion, XXXX and XXXX XXXX. I never received any response. 

To whom it may concern, I wrote you requesting validation of this alleged debt on XX/XX/year>. As of today, I have not heard back from you. It has been XXXX  days. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of XXXX  5. Please evidence proof of the alleged debt, including specifically the alleged contract or another instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this
notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 
Best Regards,

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 2025-04-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I sold an XXXX XXXX XXXX to an acquaintance at the local smoke shop in XXXX XXXX XXXX.. He said he would pay me by cash app.. I said that was fine. I had deleted my prior cash app account so I quickly downloaded the Cash app and put it on my phone when the gentleman paid me {$150.00} it never showed up on the new account so he and I both called Cash App to find out whats going on and he told them that he made the payment to me. Well they can see the payment. It went to an old account that I had opened XXXX years ago and never used. The money is still sitting there. They refused to give it to me, even though I proved to them it is my accountant, because my email is the same on both accounts and they basically just ripped me off for {$150.00}. I would like my money back. They need to put it in my account and give it to me they owes me because both the person that sent me the money and myself called them that very same day told him what was going on. They found the account but oh yeah when I go try and go back to that account and recover that money they said theres no existence of the account, but I have screenshots of it allso could you please help me get my money back? Considering theyre holding money that didnt belong to them. I think they should pay 299 % interest for every day theyve held it..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX Account XXXX - Fraudulent Late Payments : XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX ( XXXX : XXXX ). 
- Violations : - FCRA 1681e ( b ) : Reporting unverified information. 
- FCRA 1681i : Failure to conduct a proper reinvestigation.

- FCBA 1666 ( b ) : Creditors illegal refusal to correct billing errors. 

XXXX Account XXXX - Fraudulent Late Payments : XXXX ( XXXX : XXXX ). 
- Violations : - FDCPA 1692e ( 8 ) : Knowingly reporting false delinquency. 
- UDAAP ( CFPB ) : Unfair, deceptive acts harming my credit. 

1. XXXX XXXX XXXX XXXX Opened XXXX {$300.00} 2. XXXX XXXX Opened XXXX {$570.00} 3. XXXX XXXX Opened XXXX {$4000.00} 4. XXXX XXXX XXXX Opened XXXX-XXXX {$1500.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX Account XXXX - Fraudulent Late Payments : XXXX ( XXXXXXXX XXXX XXXX XXXX ), XXXX ( XXXX : XXXX ). 
- Violations : - FCRA 1681e ( b ) : Reporting unverified information. 
- FCRA 1681i : Failure to conduct a proper reinvestigation.

- FCBA 1666 ( b ) : Creditors illegal refusal to correct billing errors. 

XXXX Account XXXX - Fraudulent Late Payments : XXXX ( XXXX : XXXX ). 
- Violations : - FDCPA 1692e ( 8 ) : Knowingly reporting false delinquency. 
- UDAAP ( CFPB ) : Unfair, deceptive acts harming my credit. 

1. XXXX XXXX XXXX XXXX Opened XXXX {$300.00} 2. XXXX XXXX Opened XXXX {$570.00} 3. XXXX XXXX Opened XXXX {$4000.00} 4. XXXX XXXX XXXX Opened XXXX-XXXX {$1500.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft 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

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I received my consumer report from Lexis Nexis and noticed several incorrect items on my consumer report. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies ( CRAs ), like Equifax, Experian, and TransUnion, follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. This includes investigating disputes about the accuracy of information and providing consumers with recourse when CRAs fail to meet their obligations. The FCRA also places obligations on furnishers ( those who report information to CRAs ) to provide accurate and complete information and to investigate consumer disputes, as well as to implement reasonable procedures to ensure the accuracy and integrity of information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy : a 1 ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I asked that these inaccuarate personal information, inaccurate addresses, and be deleted : Section XXXX : Identification Records Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth Variations : XXXX Social Security Number Variations : XXXX Address Variations : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTH XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX THE ONLY ACCURATE ADDRESS IS THE XXXX XXXX ON MY DRIVER 'S LICENSE ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. There should only be one address on my report. Everything else is inaccurate. 

Phone Number Variations : XXXX XXXX INVALID XXXX Email Variations : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of a bankruptcy that appears on my credit file. I have obtained an official letter from the court that clearly confirms this bankruptcy should not be reported to any credit bureau. Despite this clear directive, it remains listed on my report, which is not only incorrect but also damaging to my credit profile. Whats even more concerning is the involvement of an unauthorized third party in this matter. This raises serious concerns about the accuracy, security, and handling of my personal information, and further highlights the urgent need for a thorough review and immediate correction of this issue.

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 2025-04-21 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XXXX XXXX  2025. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ). 

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. 
ocumentation Still Required : Despite my prior request, you have not produced any of the following : XXXX. A copy of the original creditor agreement bearing my signature ( if applicable ) ; XXXX. Records or communications used to verify the accuracy of the disputed information ; XXXX. Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I am writing to file a complaint regarding XXXX late payment 's that was reported to the credit bureaus on my Kia Finance account XXXX The late payment occurred in XXXX or XXXX of XXXX and a sprat account in XXXX. Kia has failed to respond accordingly to the Fair Credit Reporting Act and has not furnished requested proof of late payments, therefore in violation of .15 U.S.C 1681s-2 ( b ).

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 2025-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-21 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: NY

Complaint narrative:
Subject : Request for Removal of Negative Accounts ( Identity Theft ) Dear Credit Bureau, I am writing regarding several negative accounts on my credit report. These accounts were opened as a result of identity theft and were not authorized by me. 
I am requesting that the listed accounts be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of accounts that need to be removed from my credit report : Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts were opened without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 
Please review my request and remove these accounts from my report as soon as possible. Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2025-04-21 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:
Subject : Request for Removal of Negative Accounts ( Identity Theft ) Dear Credit Bureau, I am writing regarding several negative accounts on my credit report. These accounts were opened as a result of identity theft and were not authorized by me. 
I am requesting that the listed accounts be removed, as they are a direct result of fraudulent activity and not a mistake on my part. 
To support my claim of identity theft, I am providing the following documents : A copy of my identification ( ID ) My Social Security Number ( SSN ) Proof of my current address FTC Report of identity theft Below is the list of accounts that need to be removed from my credit report : Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts were opened without my knowledge or consent, and I kindly request that they be removed in accordance with the applicable laws. 
Please review my request and remove these accounts from my report as soon as possible. Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance {$2800.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$770.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  Balance {$62.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX Date XX/XX/XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$890.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$870.00} Open Date XX/XX/XXXX XXXX Balance {$800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$600.00} Open Date XX/XX/XXXX XXXX Balance {$480.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/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