vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 ( File XXXX XXXXXXXX ) 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 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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: MD

Complaint narrative:
Subject : Request for Student Loan Removal Due to FERPA Data Breach Violations To Whom It May Concern, I am writing to formally request the removal of student loans from my credit report due to violations of the Family Educational Rights and Privacy Act ( FERPA ) resulting in a data breach. The unauthorized exposure of student loan data constitutes a breach of my privacy rights and places my financial security at risk. As the credit reporting agencies responsible for maintaining accurate and fair consumer credit information, you are obligated to ensure that unlawfully obtained or improperly shared data is not used against consumers.

The violations related to this data breach include but are not limited to : Failure to protect personally identifiable information ( PII ) of students, in violation of FERPA regulations. 
Unauthorized access and dissemination of student loan information without proper consent. 
Negligence in ensuring the security and confidentiality of sensitive student loan records. 
Due to these violations, I demand that any and all student loan accounts associated with my credit file be permanently removed. The breach has compromised the integrity of this data, and continued reporting of these accounts causes undue financial harm. 
Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request a prompt investigation and written confirmation of the removal of the affected accounts within 30 days. If you require further documentation or information, please inform me in writing at the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the requested deletions. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: WI

Complaint narrative:
False credit reporting Credit reporting and personal information being provided without authorization from 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 non-monetary relief
Consumer complaint received 2025-02-12 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: WI

Complaint narrative:
False credit reporting Credit reporting and personal information being provided without authorization from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I received a 1099-K form from Cashapp for an egregious amount of money. They claimed that I have received several XXXX  of dollars in third part payments over the course of 199 transactions all from XXXX. I have never made that much money in this year let alone in XXXX. When I received this tax form in the mail I remembered a few months ago I received one or two cashapp " debit cards '' in the mail that I did not request along with a few emails saying " Don't forget to activate your card. '' I never did anything with these cards because I figured as long as I don't activate it the Debit Account probably doesn't exist/ the card isn't active. I called Cashapp on XX/XX/XXXX and received no help at all. I tried to explain the situation I was in and how I received an incorrect or fraudulent tax form and all they could offer me was " cashapp does not give identity theft advice and here is some resources for you '' in an email. They also opened a complaint but I haven't received a confirmation about it or had any follow up on it. Cashapp refused to look up my name to see if they are fraudulent accounts in my name with out an email, phone number, or cashtag/username. Of course I don't have the cashtag for fraudulent accounts, they're fraudulent. I also explained that someone could open an account claiming to be me with a different phone and email and they still refused to look into the situation. They are knowingly inhibiting an environment for fraud and scams to occur and do nothing about it when the consumer reports it to them. The first step in any identity theft is to contact the company and get them to close or freeze any account in your name and they refuse to do that. How am I supposed to go forward with fixing my identity without cashapp cooperating. I feel that if someone can open an account with just my name then I should be able to see what accounts are open with just my name. For all I know there could be a lot of accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I never received a XXXX form and its reporting it as a charge off in my report.. the charge off is being reported multiple time that a false information sincenyou only have charge it off XXXX. This is for XXXXXXXX XXXX  XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX credit freeze placed. Multiple unauthorized uses of credit reports used

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXXXXXX XXXX XXXX XX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I m a victim of the data breach with the bureaus, I need this moved off of my credit I never opened these accts

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I m a victim of the data breach with the bureaus, I need this moved off of my credit I never opened these accts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the delinquent accounts listed on my credit report. Upon reviewing my report, I was alarmed to discover that my personal information has been shared without my explicit consent, resulting in the dissemination of inaccurate and incomplete data. This has caused me significant distress and raises serious legal concerns regarding your companys compliance with federal regulations.

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 2025-02-12 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX credit freeze placed. Multiple unauthorized uses of credit reports used

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 2025-02-12 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: NY

Complaint narrative:
XXXX credit freeze placed. Multiple unauthorized uses of credit reports used

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 2025-02-12 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing this complaint against MoneyLion due to their systemic failure to process my payments, their refusal to update my payment method correctly, and their repeated false credit reporting, which has severely damaged my credit score. Despite numerous attempts to resolve this issue, MoneyLion has failed to act in good faith and continues to report inaccurate and harmful information to the credit bureaus. 

Details of the Issue : XXXX. Failure to Allow Payment Method Update MoneyLions app did not allow me to update my funding account, despite multiple attempts.

I reached out to customer support multiple times via email and phone, and their responses were unhelpful and dismissive.

When they finally updated my funding account, they reverted it back to the closed card account without my authorization, causing repeated failed payments.

2. False Credit Reporting & Unfair Credit Damage Due to MoneyLions failure to allow payments, they reported my account as more than 90 days late every single month for the last five years.

This is the only account on my credit report with a late payment status, significantly lowering my credit score and blocking me from accessing credit opportunities.

MoneyLion claims to be a company that helps build credit, but instead, they have systematically destroyed mine through no fault of my own.

3. Lack of Customer Support & Ignoring Disputes I repeatedly informed MoneyLion about their system failure and its consequences for my credit history.

Instead of fixing the problem, they directed me to dispute the late payments with the credit bureaus, which sided with MoneyLion because I had not initially submitted supporting emails ( which I now have ).

At no point did MoneyLion take accountability for their own system failure.

4. Failure to Provide a Fair Resolution I was never given the opportunity to make payments properly due to their app glitch and failure to honor my updated bank information.

MoneyLion illegally attempted to charge a deactivated lost card instead of using the updated one I provided.

They accelerated my loan, charged fees unfairly, and reported me delinquent to all three credit bureaus, even though I was actively trying to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-12 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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 2025-02-12 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-12 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I recently switched Homeowners insurance companies and filed for the homestead act to lower my property taxes. After Rocket Mortgage performed my escrow analysis, they're showing I actually owe over XXXX. It appears my previous insurance company ( XXXX XXXX ) billed them once in XXXX and requested for payment back on XXXX. My insurance wasn't due until XXXX, XXXX. Per Rocket Mortgage, it's now my responsibility to contact XXXX XXXX whom I'm no longer a customer of and attempt to refund the payment back. I was never notified by Rocket Mortgage and there are no checks and balances being done. An insurance company can just request a payment without a reason. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-02-12 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: FL

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

Company response to consumer: Closed with explanation