vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: FL

Complaint narrative:
I have multiple hard inquiries on my credit report that I did not authorize. My permission was never given, written or verbal. Numerous attempts have been made by way of certified mail and phone calls to rectify the issue. Trans Union credit bureau has caused an enormous hardship due to its improper reporting of my credit. The inquiries are as follows, XXXX. XXXX ( XX/XX/year> ) and ( XXXX XXXX XXXX  ) XXXX. XXXX XXXX ( XX/XX/year> ) XXXX. XXXX ( XX/XX/year> ) XXXX. XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX. XXXX XXXX ( XX/XX/year> ) I, the consumer have a right to a fair and accurate credit report as stated by 15 USC 1681b.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MI

Complaint narrative:
To Whome it May Concern ; I have applied for the XXXX program on XX/XX/year> as well as an IDR on Decemeber XXXX XXXX  ( because the XXXX plan was halted an put me into forebarence ). I XXXX called MOHELA several times and can not be given any informaiton on whether or not this will go through becuase of the new federal guidlines and limitations. I applied more than XXXX  days ago and still nothing. 
During this hold period my information has been wrongfully shared with XXXX  employees that have no right to my personal information and my loan should be discharged for the above stated reasons. 
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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.


Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX  years ago multiple times, Ive asked for account to be deleted since it was paid off. They said they would if I paid it. I fid and no delete took place for the credit card accounts. The car loan needs to be deleted it is wrong information reporting on my credit reports. I want these accounts deleted from my Credit Reports ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. 
There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights.

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit.

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 
Thank you, 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 2025-03-14 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: NJ

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 non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I am filing this complaint due to a serious violation of my rights as a federal student loan borrower, including : XXXX. Unauthorized access to my student loan data under the XXXX program XXXX. Unjust revocation of my promised loan forgiveness under the XXXX program XXXX. Potential financial harm caused by these violations XXXX. Unauthorized Data Breach & Violations of Borrower Rights : It has been widely reported that the Department of Government Efficiency ( XXXX ) improperly accessed federal student loan data without borrower consent. I am filing this complaint to demand immediate corrective action due to the consequences of this data breach, which have directly harmed borrowers like myself. 

2. Unjust Revocation of Promised Loan Forgiveness : I have been on an Income-Driven Repayment ( IDR ) plan and have adhered to the agreement under the established terms. Under the Saving on a Valuable Education ( SAVE ) program, my loans would have been fully forgiven.

However, due to sudden policy reversals, my forgiveness eligibility has been retroactively revoked despite my continued compliance. This is a clear case of borrower harm caused by government mismanagement, which I am seeking redress for through this complaint. 

XXXX. Financial Harm Due to Policy Reversals : Because of these actions, I will now face repayment obligations that should have been eliminated under the established rules. I am seeking immediate corrective action to address these unjust changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
XXXX XXXX XXXX has been incorrectly reporting my HELOC account as " 90-120 days late '' to the credit bureaus. My account has never been late. It is an accounting/ computer error that occurred when they merged with XXXX and XXXX XXXX XXXX XXXX XXXX Although they have acknowledged their error ( they even put it in writing in a letter and email ), they have failed to fix the error with the credit bureaus. 

Due to this error, XXXX began foreclosure proceedings on my home because their records are showing a late status. Again, my payments are all on time. I have been working for several months with them to get this corrected. Even when they eventually temporarily fixed the account status, they once again reported incorrectly. This has resulted in my credit score dropping XXXX points and barring me from using my credit as this drags on. Despite many promises by XXXX to fix this, it never actually gets fixed permanently. I am in desperate need for XXXX to be legally forced to correct this as reporting false debt is illegal.

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 2025-03-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-14 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: UT

Complaint narrative:
XXXX XXXX and his XXXX staffers accessed personal, private financial data, without proper clearance, oversight, permission from me, and without an agreement in place protecting my confidential information. When I requested that XXXX provide me either the affiliate agreement or any documentation that XXXX agreed to protect my data under penalty of legal action, I was denied. As a borrower, I have no confidence that my data is being protected by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$25000.00}, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry 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 2025-03-14 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: Ava Finance, Inc
State: CT

Complaint narrative:
I signed up for a subscription with Ava under the impression that they were a financial tool, but they falsely claimed to be a credit service. Nowhere was it disclosed that my account would be reported to the credit bureaus or that this could negatively impact my XXXXredit score. 

Within 24 hours, I realized the service was not what was advertised and canceled my account. Despite this, Ava reported the account to the credit bureaus without my consent, which resulted in a XXXX-point drop in my credit score. 

After requesting a full refund, they only refunded {$66.00} of the {$72.00} charged. I disputed the reporting, but Ava has refused to remove themselves from my credit file, even though I never agreed to have them report my account in the first place. 

Avas actions violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or unauthorized information. Their deceptive practices have caused harm to my credit, and I am requesting immediate removal of this account from my credit report and a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
SQUARE MERCHANT SERVICES FOR OVER 10 YEARS AND XXXXXXXX XXXX XXXX SQUARE FROZE ACCOUNTS AND STOLD OVER XXXX DOLLERS OUT OF ACCOUNT AND THEY NEVER PICK THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-03-14 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: 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 XXXX 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