vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I am writing to formally request that you permanently block and remove the following fraudulent accounts from my credit report in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft, and I did not open or authorize them. Both of these companies are reporting the same debt, with different account numbers and different open dates but both are reporting same balance. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Bank Date Opened : XX/XX/year> Account Number : XXXX As required by law, I have enclosed the following documentation to support my request : A copy of my government-issued ID A copy of a recent utility bill verifying my current address A copy of the FTC Identity Theft Report A written statement affirming that I did not open or authorize these accounts Pursuant to 15 U.S.C. 1681c2 ( a ), you are required to block the reporting of the above items within four ( 4 ) business days upon receipt of this request and documentation. These items must not be included in any future consumer reports provided by your agency. 

Should there be any issues or questions regarding this request, I expect to be notified promptly in writing. 

Thank you for your prompt attention to this matter. I trust that you will act in full compliance with the law to protect my consumer rights.

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 2025-05-21 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: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Dertment of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the Federal Student Aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ACCEPT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TEXAS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-05-21 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address

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 2025-05-21 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX NA Accounts for XXXX on XXXX XXXX XXXX per debt collection agency settled amount was pay to delete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
MY ACCOUNT AT VALLEY BANK IN XXXX FLORIDA WAS HACKED AND SEVERAL TRANSFERS WERE MADE FROM TWO ACCOUNTS IN MY NAME FOR A TOTAL OF US {$77000.00}. 
THE BANK HAS ONLY RETURNED US {$15000.00} TO ME. 
I MADE THE CLAIM ON XX/XX/XXXX, AND I HAVEN'T RECEIVED ANY ADDITIONAL ANSWER, THEY SAID TO ME THAT THE FRAUD DEPARTMENT IS INVESTIGATING, THE BANK IS OBLIGED TO REFUND ALL DEBITS MADE IN THE 90 DAYS PRIOR TO THE CLAIM AND IT HAS ONLY REFUNDED PART OF THE TOTAL. 
MY POINT IS THAT IT'S THE BANK WHOSE SYSTEM WAS HACKED, NOT ME. ON THE OTHER HAND, I DON'T HAVE WEB ACCESS TO THE BANK 'S PAGE, AND IN ANY CASE, WHEN THE DEBITS WERE MADE, THEY NEVER CALLED ME TO CONFIRM THE TRANSACTIONS. 
THE BANK MUST GIVE MY MONEY BACK, IT ITS PROBLEM WITH ITS SYSTEM, NOT MINE FINALLY, I would like to mention that I have had that account at that bank for over 30 years and I have never had any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to faulty and unsecured methods of product delivery my expected credit card was stolen prior to me receiving through USPS and a number of fraudulent charges were made without my knowledge or consent. I was not alerted to these charges until I received the card on XX/XX/year> immediately filing a claim for fraud and closing the card. I asked for the account to be closed as well as trust in this company 's ability to at minimum protect my personal info was broken, but that was not processed. I was was also informed this process would taken up to 90 days to complete. A credit was applied to all the fraudulent charges then the company reported inaccurate charges to the bureaus of the previous full balance with all fraudulent charges. Since that day I've called numerous times and spoken with serveral reps and managers from their care and fraud departments, none of these employees were knowledgeable about their fraud policies or investigative procedures further solidifying my distrust in this company 's practices and ability to manage consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Due to faulty and unsecured methods of product delivery my expected credit card was stolen prior to me receiving through XXXX and a number of fraudulent charges were made without my knowledge or consent. I was not alerted to these charges until I received the card on XX/XX/year> immediately filing a claim for fraud and closing the card. I asked for the account to be closed as well as trust in this company 's ability to at minimum protect my personal info was broken, but that was not processed. I was was also informed this process would taken up to 90 days to complete. A credit was applied to all the fraudulent charges then the company reported inaccurate charges to the bureaus of the previous full balance with all fraudulent charges. Since that day I've called numerous times and spoken with serveral reps and managers from their care and fraud departments, none of these employees were knowledgeable about their fraud policies or investigative procedures further solidifying my distrust in this company 's practices and ability to manage consumer information.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to faulty and unsecured methods of product delivery my expected credit card was stolen prior to me receiving through XXXX and a number of fraudulent charges were made without my knowledge or consent. I was not alerted to these charges until I received the card on XX/XX/year> immediately filing a claim for fraud and closing the card. I asked for the account to be closed as well as trust in this company 's ability to at minimum protect my personal info was broken, but that was not processed. I was was also informed this process would taken up to 90 days to complete. A credit was applied to all the fraudulent charges then the company reported inaccurate charges to the bureaus of the previous full balance with all fraudulent charges. Since that day I've called numerous times and spoken with serveral reps and managers from their care and fraud departments, none of these employees were knowledgeable about their fraud policies or investigative procedures further solidifying my distrust in this company 's practices and ability to manage consumer information.

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 2025-05-21 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: FL

Complaint narrative:
There was fraudulent activity on my XXXX XXXX XXXXXXXX account, which I immediately reported. After I contacted your team, the unauthorized charge was initially reversed. However, the reversal was later denied, only to be ultimately approved again after a full investigationconfirming that I was not responsible for the charge. 

During this period, while the matter was still under investigation, XXXX XXXX  XXXX incorrectly reported that I owed money to the credit bureaus. This inaccurate reporting caused a significant drop in my credit score, which I had carefully built and maintained over several years. 

As a result of this error, I have suffered substantial financial harm over the past XXXX months, including the loss of favorable financing opportunities and damaged trust with potential lenders. 

To date, this issue has not been fully corrected, and the negative mark remains on my credit report. I am urgently requesting that XXXX XXXX XXXXXXXX : Remove any inaccurate late payments or delinquency related to this fraudulent charge. 
Immediately update all three major credit bureaus with corrected information. 
Provide written confirmation once the correction has been processed. 

This situation has caused both financial and reputational damage, and I am asking for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My landlord stole my phone and was able to have access to my phone without my permission because she saw me enter my pin through hidden cameras in her house. I was XXXX for XXXX complications for nearly 2 months and was unable to do anything about my missing phone until I was released from hospital. Once I was able to login to my XXXX account, I learned where my phone was. I contacted the police and there wasnt anything I could do because the phone service was in my landlords name, XXXX XXXX. Although my information was logged in on the phone, there wasnt anything they could do. I was able to retrieve my XXXX account and when I finally logged back in, I realized that my cash app account was drained. On XX/XX/XXXX at approximately XXXX is when I noticed my phone missing. I have witnesses stating XXXX bragged about stealing my phone. I contacted several of the people ( through social media ) who sent or received money, to or from my cash app account, who stated XXXX was the person who gave them my cash app info. I tried to dispute through cash app but my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX BREACH. PER XXXX5 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} UNKNOWN XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: ND

Complaint narrative:
We were told we could pause our payments until we can get an idea of what is going to happen here. I wanted a fraud case opened because of the fraudulent misrepresentation and predatory practices of the parties involved in this home purchase. Willfully coluding to cover up issues. Knowing they were misleading facts and documents for their own personal monetary gains. And we cant get anyone to help us. They all feel bad but no body wants to get involved for stand up for what is right. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And now that I reported it the are selling our note to another lender and no longer can offer any assistance. Funny how they want to dump our XXXX when its not even sellable due to defects that were hidden. More passing the loss to someone else.

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 2025-05-21 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: TX

Complaint narrative:
To : Equifax, Experian, Transunion and XXXX. I am receiving several notifications on request that I did not request, concerning fraud alerts, and security freeze and fraudulent disputes. Please allow me to refresh information to you. I have notified all of you, concerning my battle with cyber-hacking of all my devices. XXXX email accounts, XXXX online accounts, XXXX phone/devices totally reconfigured, completely taken over, not able to use. Extremely frustrating ongoing battle. My XXXX  knows all my information. He can easily pass all the security questions. Some of you continue to refuse to help/support me with this battle. Accusing me of doing all this fraudulent activity. Please! I plead, handle my account very cautiously. Since you refuse to block online activity and phone call-ins. Please honor this request. Please notify me by my current mailing address ( XXXX XXXX XXXX of all request, before going forward to making any changes. I will reply back with the same request you mail to me, approve or not approve with identification documents. This is the only solution that I believe that will work. To stop the ongoing fraudulent activity to sabotage my credit report, and steal my credit report/identity. Also for your information : I will never request to remove my XXXX Extended Fraud Alert, ( remove or lift my Security Freeze this 2025 yr ), I will never ask to remove my Consumer Statement ( I will make adjustments as needed by mail only ). I will NEVER dispute any of my accounts that are already established as of XX/XX/year>. Some Bureaus have also added the XXXX alert?? that's ok, but please never remove my XXXX XXXX XXXX XXXX. Equifax, I have received a notification from XXXX XXXX XXXX and XXXX that my Fraud Alert was removed and my Security Freeze was permanently removed from my credit report. Please correct this fraudulent request immediately - I did not request. Please help! Cyber-hacking is extremely difficult to battle. Again I plead, please contact me by mail before approving all request. Sincerely. I thank you all for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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