vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Marketing or disclosure issues
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally express serious concerns about the security and privacy of my XXXX XXXX data managed by XXXXMOHELA . 

Recently, I became aware of troubling reports suggesting that personal financial data from XXXX XXXX borrowers may be accessible to unauthorized third parties, including high-profile individuals or affiliated entities such as XXXX XXXX, XXXX XXXX formerly XXXX ) , or XXXX While I have not knowingly authorized any such data sharing, I am concerned that my personal information may be exposed or compromised without my consent. 

I have entrusted XXXXMOHELA with highly sensitive information as my XXXX XXXX servicer, and I expect that my data be handled with the utmost care, confidentiality, and in compliance with federal data privacy standards. I have not been informed of any partnerships or data-sharing agreements with third-party platforms or companies outside the scope of my loan servicing. 

This situation has left me feeling vulnerable and uncertain about how my personal and financial data is being handled. I am requesting that the CFPB investigate XXXXMOHELAs data-sharing practices and provide clarity on the following : Whether any of my student loan data has been accessed or made visible to third parties not directly involved in loan servicing. 

What safeguards are in place to protect borrower data from unauthorized access or surveillance. 

Whether XXXXMOHELA has any affiliations or agreements with companies or individuals who are not federally authorized to handle XXXX XXXX data. 

I am seeking a full explanation, increased transparency, and immediate assurance that my student loan information is secure and private. I would also like to receive a direct response from XXXX/MOHELA addressing these concerns. 

Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I submitted a dispute to Experian on XX/XX/year>2025, concerning an account reported by XXXX  # XXXX. I have never applied for or authorized this account, and its presence on my credit report is the result of identity theft. 

Despite submitting documentation in accordance with 15 U.S.C. 1681c-2, Experian has not taken action to permanently block or delete this unauthorized account. This inaction constitutes a violation of my consumer rights under : 1681c-2 ( a ) Right to block information due to identity theft.

1681i Obligation to investigate and delete unverifiable information.

1681e ( b ) Duty to ensure maximum possible accuracy.

1681s-2 ( a ) Prohibition against knowingly reporting inaccurate information.

1681i ( a ) ( 5 ) ( B ) - ( D ) Governs reinsertion and cross-notification.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
am writing to dispute two hard inquiries that remain on my credit report beyond the Fair Credit Reporting Acts ( FCRA ) allowed timeframe of 24 months. 

Specifically : OneMain inquiry dated XX/XX/XXXX USAA Federal SB inquiry dated XX/XX/XXXX As of XX/XX/XXXX, both inquiries have reached the two-year limit and should have been automatically removed. However, they are still listed and show a scheduled removal date of XX/XX/XXXX, which is inaccurate under FCRA guidelines. 

I did not take any action to renew or reactivate these inquiries, and I have not received any notice or justification from the credit bureau ( s ) regarding the delay in removal. I submitted a written request for deletion, citing the FCRA retention limit, but have not received confirmation or correction as of the time of this complaint. 

I am requesting that the credit reporting agencies immediately remove these inquiries and confirm compliance with the 24-month rule under FCRA Section 604.

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 2025-04-15 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:
On XX/XX/2025, I sent dispute letters to Equifax, Experian, and TransUnion regarding several unauthorized hard inquiries on my credit reports. These inquiries were not initiated or authorized by me, and I requested that the bureaus provide documentation proving my authorization.

As of today, more than 30 days have passed, and none of the credit bureaus have responded or provided any documentation. Under the Fair Credit Reporting Act ( FCRA ), they were required to investigate and respond within 30 days. Their failure to do so is a violation of my rights.

I am requesting the immediate removal of these unauthorized inquiries from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
am writing to dispute two hard inquiries that remain on my credit report beyond the Fair Credit Reporting Acts ( FCRA ) allowed timeframe of 24 months. 

Specifically : OneMain inquiry dated XX/XX/XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX As of XX/XX/XXXX, both inquiries have reached the two-year limit and should have been automatically removed. However, they are still listed and show a scheduled removal date of XX/XX/XXXX, which is inaccurate under FCRA guidelines. 

I did not take any action to renew or reactivate these inquiries, and I have not received any notice or justification from the credit bureau ( s ) regarding the delay in removal. I submitted a written request for deletion, citing the FCRA retention limit, but have not received confirmation or correction as of the time of this complaint. 

I am requesting that the credit reporting agencies immediately remove these inquiries and confirm compliance with the 24-month rule under FCRA Section 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-04-15 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: TX

Complaint narrative:
I am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

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 2025-04-15 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 am a victim of a data breach. This is a request to block information resulting from identity theft. I have already notified your agency of this and still have information caused by identity theft on my credit report which is a clear violation of 15 U.S. Code 1681c2. This information is not information relating to any transaction by me. This request was not made by error. I did not obtain possession of goods, services, or money as a result of these transactions. Pursuant to 15 U.S. Code 1681c2 you must block these accounts, collections and hard inquiries from my credit report no later than four business days of receiving this complaint. I have attached a copy of my ID, social security card, proof of address, Identity Theft reports from the FTC, and court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I don't recognize these addresses. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX TX, 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 2025-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this company has failed to conduct a proper investigation into my dispute under 15 U.S.C. 1681 please conduct a proper investigation and not a e Oscar response

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 2025-04-15 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-15 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: NC

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

XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$26000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: AL

Complaint narrative:
I took out title loan with LoanMart in XX/XX/XXXX on XXXX XXXX XXXX XXXXXXXX. I should have read the whole contract, didnt know at the time that loan was for 5 years. Initially borrowed XXXX dollars. Ended up paying over XXXX for that loan. I am wondering if it is legal to charge that kind of interest for that small amount of money. This is outrageous and shouldnt be legal to charge that amount of interest. Also due date was on the 2nd of every month which was withdrawn from from my checking account on that date. Yet and still my account was showing late even though the payments were withdrawn on that date. I was charged interests for payments being late even though payments were withdrawn on due date. This was not my fault I feel I should be reimbursed for interest charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation