vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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 a victim of identity theft. A fraudulent XXXX XXXX credit card account was opened using my personal information without my knowledge or consent. I only became aware of this account recently when I reviewed my TransUnion credit report. 

Upon discovering the unauthorized account, I took the following actions : Filed an Identity Theft Report with the FTC Submitted a formal dispute to TransUnion Included a 605B Block Request, government-issued ID, proof of address, and a detailed dispute letter Recently submitted a Method of Verification ( MOV ) letter under FCRA 611 ( a ) ( 7 ), demanding details on how the account was verified Despite following proper FCRA protocol, TransUnion has responded that the account is verified as belonging to me, without providing any of the following : A signed wet-ink agreement showing I opened the account Specific steps taken during the reinvestigation process The source or contact information of the entity that verified the account Any explanation why the FTC Identity Theft Report and affidavit were ignored Other bureaus removed similar accounts, yet TransUnion continues to report this one. TransUnions refusal to investigate thoroughly and independently and failure to block the account after receiving an identity theft affidavit appears to be in violation of FCRA 1681i, 1681s-2 ( b ), and 1681c-2. 

This issue is damaging my credit and is causing me emotional and financial stress. I have followed the law and provided all required documentation.

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 2025-06-08 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: TN

Complaint narrative:
I have submitted a dispute with the credit bureau in XX/XX/year> which I advised representatives of information being a result of identity theft and the information is still being reported which I have demanded them to delete.Below the FTC report is attached. 
* * Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  [ XXXX  XXXX XXXX ] To Whom It May Concern, This letter serves as a * * formal demand * * for the immediate * * removal of the above-referenced account and any associated late payments * * from my credit report. I have disputed this inaccurate information multiple times, and your responses have claimed that the account has been " verified. '' That response is both unacceptable and in violation of my rights under federal law. 

Let me be clear : - This account * * does not belong to me * *. 
- I have never opened, authorized, or acknowledged this account. 
- You have * * not provided any evidence * * of a contractual relationship between myself and this creditor. 

Under the * * Fair Credit Reporting Act ( FCRA ) Section 611 * *, you are * * required * * to conduct a reasonable reinvestigation of any disputed information and * * delete or correct any item that is inaccurate, incomplete, or can not be verified * *. 

To date, you have failed to comply with this obligation. 

Additionally, I am demanding the following under * * FCRA 611 ( a ) ( 7 ) * * : 1. A complete description of the method of verification used.

2. A copy of all documents you relied on during the reinvestigation including any documentation bearing my * * wet signature * *.

3. The name, address, and phone number of each furnisher contacted during your investigation. 

If you can not provide * * verified and signed documentation * * proving that this account is legally mine, you are * * legally required to delete the account * * and all associated late payments immediately. Failure to do so is a direct violation of my rights under the * * FCRA * * and could result in legal action. 

You are hereby notified that if this inaccurate information is not deleted from all three of my credit reports within * * 15 business days * *, I will escalate this matter by : - Filing a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * - Filing complaints with my * * State Attorney Generals Office and the FTC * * - Exploring * * legal action for willful noncompliance * * under * * FCRA 616 and 617 * *, where I may seek actual and punitive damages This letter is being sent via * * certified mail with return receipt * * to document your receipt. I expect written confirmation of the deletion within the timeframe specified above.

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 2025-06-08 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: TN

Complaint narrative:
I have submitted a dispute with the credit bureau in XX/XX/year> which I advised representatives of information being a result of identity theft and the information is still being reported which I have demanded them to delete.Below the FTC report is attached. 
* * Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  [ XXXX  XXXX XXXX ] To Whom It May Concern, This letter serves as a * * formal demand * * for the immediate * * removal of the above-referenced account and any associated late payments * * from my credit report. I have disputed this inaccurate information multiple times, and your responses have claimed that the account has been " verified. '' That response is both unacceptable and in violation of my rights under federal law. 

Let me be clear : - This account * * does not belong to me * *. 
- I have never opened, authorized, or acknowledged this account. 
- You have * * not provided any evidence * * of a contractual relationship between myself and this creditor. 

Under the * * Fair Credit Reporting Act ( FCRA ) Section 611 * *, you are * * required * * to conduct a reasonable reinvestigation of any disputed information and * * delete or correct any item that is inaccurate, incomplete, or can not be verified * *. 

To date, you have failed to comply with this obligation. 

Additionally, I am demanding the following under * * FCRA 611 ( a ) ( 7 ) * * : 1. A complete description of the method of verification used.

2. A copy of all documents you relied on during the reinvestigation including any documentation bearing my * * wet signature * *.

3. The name, address, and phone number of each furnisher contacted during your investigation. 

If you can not provide * * verified and signed documentation * * proving that this account is legally mine, you are * * legally required to delete the account * * and all associated late payments immediately. Failure to do so is a direct violation of my rights under the * * FCRA * * and could result in legal action. 

You are hereby notified that if this inaccurate information is not deleted from all three of my credit reports within * * 15 business days * *, I will escalate this matter by : - Filing a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * - Filing complaints with my * * State Attorney Generals Office and the FTC * * - Exploring * * legal action for willful noncompliance * * under * * FCRA 616 and 617 * *, where I may seek actual and punitive damages This letter is being sent via * * certified mail with return receipt * * to document your receipt. I expect written confirmation of the deletion within the timeframe specified above.

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 2025-06-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 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 -- {$0.00} UNKNOWN # XXXX XX/XX/XXXX -- {$430.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MI

Complaint narrative:
I paid MOHELA on XX/XX/XXXX {$62.00}, the same day they did a payment reversal. So XX/XX/XXXX, I tried to pay {$17.00} and MOHELA did a payment reversal the same day. Last, I tried to pay {$10.00} on XX/XX/XXXX and it was also a payment reversal from MOHELA the same day. I just tried to pay {$60.00} on one loan again, so I will see if it is also reversed today. 

My account was in the SAVE program and enrolled before it was cancelled, so it has been in forbearance since. I am very frustrated, I want to pay off my loans and they wont even let me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/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 2025-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
This is a follow-up to a previous identity theft complaint I submitted, which resulted in partial corrections. I am following up now because the four business days allowed under FCRA 605B have passed, and several items that were properly submitted have still not been blocked. 

While I appreciate the progress made, multiple accounts and pieces of personal information included in my FTC Identity Theft Report ( # XXXX ) and supporting documentation remain unaddressed. Some were listed in my personal statement, while others were added as attachments in the original CFPB complaint. 

Each of the credit bureaus has now issued responses indicating that they are waiting on the furnisher to verify the disputed information. I want to emphasize that this is not a standard dispute governed by FCRA 1681i. This is a formal identity theft dispute submitted under FCRA 605B, which requires credit bureaus to block the disputed information within four business days of receiving proper documentation. The law does not allow for delays while waiting for a response from the furnisher. 

Additionally, Experian has previously stated that personal information tied to open accounts can not be removed. This is both inaccurate and harmful. The fact that an account is open does not validate the legitimacy or consent of the data being reported. When identity theft is involved, any data, open or closed, must be treated as potentially compromised and blocked.

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 2025-06-08 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: AL

Complaint narrative:
This is a follow-up to a previous identity theft complaint I submitted, which resulted in partial corrections. I am following up now because the four business days allowed under FCRA 605B have passed, and several items that were properly submitted have still not been blocked. 

While I appreciate the progress made, multiple accounts and pieces of personal information included in my FTC Identity Theft Report ( # XXXX ) and supporting documentation remain unaddressed. Some were listed in my personal statement, while others were added as attachments in the original CFPB complaint. 

Each of the credit bureaus has now issued responses indicating that they are waiting on the furnisher to verify the disputed information. I want to emphasize that this is not a standard dispute governed by FCRA 1681i. This is a formal identity theft dispute submitted under FCRA 605B, which requires credit bureaus to block the disputed information within four business days of receiving proper documentation. The law does not allow for delays while waiting for a response from the furnisher. 

Additionally, Experian has previously stated that personal information tied to open accounts can not be removed. This is both inaccurate and harmful. The fact that an account is open does not validate the legitimacy or consent of the data being reported. When identity theft is involved, any data, open or closed, must be treated as potentially compromised and blocked.

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 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$13000.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX Balance {$28000.00} XXXX  XXXX Balance {$10000.00} XXXX  XXXX Balance {$72000.00} XXXX XXXX  Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX XXXX Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX  Date of inquiry XX/XX/year> XXXX XXXX XXXX Date of inquiry XX/XX/year> XXXX Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX  Date of inquiry XX/XX/year> XXXX XXXX  Date of 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 explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 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 XXXX  # XXXX XX/XX/XXXX -- {$2000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX. XXXX XXXX ( Account number : XXXX ) XXXX. XXXX  XXXX ( Account number : XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX ) XXXX. XXXX XXXX ( Account number : XXXX ) XXXX. XXXX  XXXX ( Account number : XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best regards, 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 explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DailyPay, Inc
State: PA

Complaint narrative:
I use daily pay occasionally. They are sometimes shady. Most recently I noticed a transfer that I did not make on XX/XX/year> in the amount of {$57.00}. Whenever I make a transfer I purposely do the same amount so that it is easily identifiable. This amount I never did. My bank account does not have the deposit either. I tried contacting daily pay however they were not helpful at all. The customer service was annoying and lazy. XXXX in the XXXX was rude and belligerent. He actually hung up. They kept me on hold with annoying music and were unwilling to help in this matter. This company had been shady in the past. In fact at one point they redirected my funds to a different account without my authorization. They are not responsive and have bad shady behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-06-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
An account that was previously removed from my credit report has now been re-reported again. The account was either deleted due to a dispute or removed by the creditor, and I have records that it was no longer appearing. Now it has been placed back on my credit report without proper notice or new verification. I believe this is inaccurate and potentially a violation of the Fair Credit Reporting Act. I am requesting that this account be permanently removed if it can not be fully verified

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