vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX # B XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed- XXXX XXXX  XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} - Late/Open XXXX XXXX XXXX * * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - late/Closed- XXXX XXXX  XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2900.00} - Charge off- XXXX XXXXXX/XX/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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
Mohela Loan servicers reported a 90-day Late payment to my credit bureaus multiple times without notice. I was not notified via mail, email of 30, nor 60 day. The loan servicer report caused my credit score to drop over XXXX points while I was in the middle of apartment hunting. 

In addition, I have not been able to access my Mohela account since XXXX, despite efforts to recover my account, the servicer 's website does not show me as an account holder. Because of this, I could not make any payments to my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
Unauthorized transaction from XXXX play coming out of my cash app account I did not authorize these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had data breaches, and my information was compromised. Upon learning about this information I checked my credit report and noticed credit accounts, phone numbers, address, inquires, and personal information that was not mine or accurate. 
XXXX XXXX XXXX  is reporting a collection account on my credit report. 
Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XX/XX/XXXX Status updated XX/XX/XXXX This is fraudulent and I never had this account

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 2025-04-19 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:
XX/XX/XXXX XXXX XXXX  I was told yesterday that my request to have the interest adjusted was going to be sent to an ombudsman and that I would see that sent message in my " activity ''. I do not see that taking place. Please advise if that has been sent to the Ombudsman. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX added a message XX/XX/XXXX XXXX XXXX  Attached please find the account history going back to XX/XX/XXXX when payments are made and interest is being applied during the Covid Pandemic. Interest needs to be removed from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to the present date. Then Mohela will make the adjustments in their system. 

XXXX XXXX XXXX added a message XX/XX/XXXX XXXX XXXX  It is the responsibility of FSA / Dept of education to make an adjustment to the interest that has been added since COVID pandemic from XX/XX/XXXX through XX/XX/XXXX and from XX/XX/XXXX to present day. 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 ). Please expedite this so I can payoff the loans. 
XXXX XXXX XXXX added a message XX/XX/XXXX XXXX XXXX  I have uploaded the loan history from Mohela. I started making payments since XX/XX/XXXX and the total principal paid totals {$2600.00} both you website and Mohela 's do NOT match the principal portion made. Please correspond and have the total principal paid be reflected at student aid.gov as well as with Mohela, the servicer on my account. 
Documents MOHELA Loan Details Uploaded on XX/XX/XXXX | XXXX MB MOHELA Account XXXX Uploaded on XX/XX/XXXX | XXXX MB MOHELA All Loan Details Uploaded on XX/XX/XXXX | XXXX MB MOHELA Account History Uploaded on XX/XX/XXXX | XXXX MB MOHELA Account History Uploaded on XX/XX/XXXX | XXXX MB Your Contact Information Name XXXX XXXX XXXX XXXX XXXX Phone Number 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 2025-04-19 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$1700.00} XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$46000.00} XXXX Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$9400.00} XXXX Off XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$4200.00} XXXX Off XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$7400.00} XXXX Off XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} -Late/Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$19000.00} XXXX Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$51000.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$2300.00} XXXXCharge Off XXXX  XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$1700.00} XXXX Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$46000.00} XXXX Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$9400.00} XXXX Off XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$4200.00} XXXX Off XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance Owed : {$7400.00} XXXX Off XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} -Late/Closed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$19000.00} XXXX Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$51000.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$2300.00} XXXXCharge Off XXXX  XXXX XXXX  XXXX XX/XX/year>

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 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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.

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 2025-04-19 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of the dispute information on my credit report, leaving an inaccurate or unverifiable account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediately corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I can not understand why : 1 ) I'm late when I have always paid on time and more than the minimum due. 2 ) I am not allowed to make earlier payments or extra payments on my account, and I can only make a payment in the store on my due date, per the store representative. 3 ) Calling corporate and customer service or collections department are a waste of time. None of them will accept payment over the phone. The collections department will only accept payments over the phone if you are late and for the late amount only. 4 ) As long as you make the minimum payment every month, on your due date, no problem, if you pay extra, they force you to sign a new contract and start the loan over every month with a higher interest rate. 

I brought {$1200.00} cash into the store to make a payment and pay down my loan, and she ( the rep ) said there is no way for her to make the payment on the account, the computer will not allow her because it is not the renewal date. No one in this organization knows anything going on, store is clueless, corporate and customer service can not see past yesterday, and there are more ways to keep you in the dark and continuous loop. This practice of lending should be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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 am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Persistent Reporting of Inaccurate Information and Failure to Verify Identity I have been persistently disputing inaccurate information on my TransUnion credit report, which I believe is a result of identity theft and reporting errors. Over the past several months, I have sent more than XXXX notarized, certified letters to TransUnion, providing all necessary documentation to verify my identity and dispute the inaccuracies. Despite these efforts, TransUnion continues to report false information, adversely affecting my creditworthiness. 

Each time I contact TransUnion, I receive a response stating that I am not the individual submitting these disputes, which is unequivocally false. This situation has caused me significant financial hardship, including increased interest rates and denial of credit opportunities. Notably, both Equifax and Experian have promptly addressed and resolved the same disputes without issue. 

Furthermore, TransUnion has denied me access to my own credit report, despite my compliance with all requested verification procedures. This lack of access hinders my ability to review and address the inaccuracies affecting my credit. 

I believe TransUnion 's actions violate the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681g ( a ) : Failing to provide all information in my file upon request.

These violations have resulted in ongoing financial and emotional distress.

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 2025-04-19 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: NC

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry on my credit report, which I believe is a result of the XXXX  XXXX  data breach. I have recently reviewed my credit report and noticed several inquiries that I did not authorize. These inquiries are likely linked to fraudulent activity stemming from the breach of my personal information. 

As a victim of the XXXX  data breach, my sensitive informationsuch as my Social Security number, date of birth, and other personally identifiable datawas compromised. This unauthorized access to my data has likely led to the credit inquiries I have identified on my credit report. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my credit report and that you provide me with a written confirmation once they have been deleted. 

I also request that you provide me with a copy of my updated credit report showing the removal of these inquiries. If any further documentation or information is required from my end to process this dispute, please let me know as soon as possible. 

Thank you for your attention to this matter. I appreciate your prompt resolution of this issue, as the inquiry reflects unauthorized activity resulting from the XXXX  breach. 

The following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

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