vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Care Credit Card through Synchrony Bank w/no intersest charges for 6 to 12 months. Paid exceptional monthly payments well over and above the minimum payments due. Payments credited towards the most recent charges and older charges allow to accrue until the interest rates kicked in.

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 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Im writing to urgently address an issue with my credit report. It seems that my account is being mixed with someone elses credit information, which is causing significant discrepancies. This is not my account, and it is affecting my credit record.

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 2025-03-27 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: SC

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

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 2025-03-27 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: FL

Complaint narrative:
- These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-27 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 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 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-03-27 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: GA

Complaint narrative:
I filed a dispute on XX/XX/year> ( Report XXXX XXXX ) for XXXX XXXX  due to Experian 's failure to investigate and fix errors on my credit report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns with my situation. Experian has not attempted to remove or correct any information. I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a car and an apartment. Experian violates my rights as a consumer, as well as federal laws.

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 2025-03-27 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: TX

Complaint narrative:
Experian has failed to comply with consumer laws and regulations by not completing a complete investigation into a serious matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MO

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 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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello Sir/ Madam, I called the XXXX mortgage and explained my hardship to them. The company 's representative advised me to apply for a forbearance plan, and I followed the directions and submitted all the documents. I was assigned a first point of contact named XXXX XXXX, who was designated as a Loss Mitigation Specialist I. 

I was asked to submit documents on multiple occasions and was advised that my application was in review every time I called. 

I was sent a letter of Approved Foreberence in XX/XX/year> which clearly states, " Yor are currently on an approved forbearance plan. '' I read the response from the XXXX Mortgage, I applied for a forbearance and I was appoved for it and I received a document which clearly states that I am approved for it. 

Now the approval document is declared as a solicitation? 
How come the rest of the documents sent were not solicited? 
What is the standard for the customer to distinguish between all the communications, which are Solicitation and which are not? 

It is clearly an error on XXXX XXXX Mortgage 's end with all the communications. I as a client of XXXX XXXX Mortgage, relied on that Approved Forbearance Document to my Detriment. 
There are negative inquiries marked on my credit report 120 days late, which is severely impacting my credit scores. 
The mortgage company 's name is XXXXXXXX XXXX XXXXXXXX and XXXX. My loan number is : XXXX Please help regarding this matter, as I want the late payments to be removed from my credit report. 
Regards, 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX Madam, I called the XXXX mortgage and explained my hardship to them. The company 's representative advised me to apply for a forbearance plan, and I followed the directions and submitted all the documents. I was assigned a first point of contact named XXXX XXXX, who was designated as a Loss Mitigation Specialist I.

I was asked to submit documents on multiple occasions and was advised that my application was in review every time I called. 

I was sent a letter of Approved Foreberence in XX/XX/year> which clearly states, " XXXX are currently on an approved forbearance plan. '' I read the response from the XXXX XXXX, I applied for a forbearance and I was appoved for it and I received a document which clearly states that I am approved for it. 

Now the approval document is declared as a solicitation? 
How come the rest of the documents sent were not solicited? 
What is the standard for the customer to distinguish between all the communications, which are Solicitation and which are not? 

It is clearly an error on XXXX XXXX XXXX 's end with all the communications. I as a client of XXXX XXXX XXXX, relied on that Approved Forbearance Document to my Detriment. 
There are negative inquiries marked on my credit report 120 days late, which is severely impacting my credit scores. 
The mortgage company 's name is XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My loan number is : XXXX Please help regarding this matter, as I want the late payments to be removed from my credit report. 
Regards, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to bring your attention to a fraudulent inquiry on my credit report that was never authorized or made by me. This inquiry is not mine, and I need it to be deleted from my report 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 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
My loan was transferred to Mohela over a year ago when I applied for loan consolidation in the hopes of having my student loans forgiven since I have been making payments on them for more than 25 years. Although Mohela had a reputation of following unfair practices that included MOHELA illegally overcharging borrowers on their monthly student loan bills, failing to timely process paperwork, and actively misleading borrowers about their student loan accounts, I was hopeful that these types of situations have been resolved, and my experience would be better. 
Unfortunately, after I received assistance with acquiring a forbearance, I have had some of the same issues. My payments were to resume in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX father-in-law and my mother-in-law members of my household and my financial dependents, the required payment was much more than what I could afford so, I tried calling customer service. However, every time I called that month, I was informed that the wait time would be XXXX hours. Unfortunately, I can not afford to wait for that long so I figured I would try again at a later date, even during their so-called " non busy days and times of Thursday and Friday, between XXXXXXXX XXXX XXXX XXXX XXXX  '' Each time I called, the messaging system informed me my wait will be XXXX hours. Since then, that wait time has grown to XXXX hours, with a new high of XXXX hours today. 
In late XXXX, I applied for an Income-Driven Repayment ( IDR ) Plan through StudentAid.gov. Mohela did send me a letter dated, XX/XX/XXXX thanking me for submitting my request and that " Mohela will review your request and notify you regarding the status of the XXXX application soon. '' Since then I have received notices saying I am late with my payment, but no response regarding my request. I again tried calling Mohela to discuss, however, the messaging system again stated there is a wait time of XXXX hours. 
Additionally, I sent Mohela a letter dated XX/XX/XXXX, voicing my concerns regarding my personal and loan information being improperly accessed by unauthorized third parties, including members of DOGE and/or affiliated entities. My letter outlined how such unauthorized use violated such acts as FERPA, The Privacy Act of 1974, the Higher Education Act and was a breach of contract in regard to data security obligations, and as such my loan should be forgiven. Again, I have not received any notice regarding this letter and their intention to remedy the situation. Due to Mohela 's inaction, today, I was informed by my banking institution that my credit score has been negatively affected by my Mohela loan. Damage caused by Mohela 's inaction to my applicati
on for an IDR Plan and their inability to meet the customer service demands of their borrows has affected my credit, as I am sure it has affected many other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One bank has frozen and closed my account after I made a deposit of my income tax return on XX/XX/year>. They told me that they determined my Treasury department check to be fraudulent. I spoke to the IRS, Department of Treasury, and the tax payer advocate office. They told me that the check was endorsed by Capital One bank. I also went onto the department of treasury website and entered all of the check details and the check is a valid treasury check. Capital one is not being truthful about their findings. They have frozen my income tax refund and have closed my account and they also froze my daughters account. They also told me they no longer wish to have a relationship with me after over a decade. I do not understand why they are doing this and I need assistance to get my refund from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I recently payed off a collection with through ConServe and they told me they dont report it to the credit company I have to report it myself. The collection is completely payed off and I would like it taken off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In XXXX  I got a Chase card and started using it. There were some questionable charges on the card that I brought attention to. The balance accumulated to approximately {$7000.00}. I stopped paying because some of the billing/charges were not mine. I have offered on several occasions to pay off the entire {$7000.00} to restore my credit but, Chase refuses and wants me to pay all of the b.s. interest, fees and penalties they have kept adding to the balance. I am requesting, after XXXX  years, for this b.s. credit report to be erased and removed from my account/credit reporting. I have approximately XXXX other forms of excellent credit since the XXXX  Chase problem. I havXXXX XXXX XXXX  loans from various sources since XXXX to present, that I have record of and can show. I can show my credit was XXXX only a few years ago and now only XXXX just because of this fraudulent Chase credit reporting. I want this report removed immediately and, I will be seeking legal recourse for the damages. Chase has fraudulently added excessive fees, interest and penalties over and above normal. WHY has my credit dropped XXXX points over just XXXX bad Chase credit report??!! That too is fraudulent!! I am requesting the Chase report be remove immediately for refusing to accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
I am submitting this formal complaint against the national credit reporting agencies Experian, Equifax, and TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) in relation to my identity theft case.

I am the victim of identity theft and have submitted a valid FTC Identity Theft Report ( # XXXX ) along with written disputes to all three credit bureaus, clearly identifying fraudulent accounts, inquiries, addresses, and name variations that are not mine. Despite this, the bureaus have failed to remove or block the information as required by law. In fact, some items appear to have been reinserted without any proper notice, which is a direct violation of federal law.

Failure to block fraudulent items within 4 business days as required by 15 U.S.C. 1681c-2 ( a ) Reinsertion of previously removed accounts without written notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to conduct proper reinvestigation or provide proof of verification per 15 U.S.C. 1681i ( a ) Continuing to report inaccurate and unverified information in violation of 15 U.S.C. 1681e ( b ) Lack of full disclosure and refusal to provide a corrected, updated credit report in violation of 15 U.S.C. 1681g

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this formal complaint against the national credit reporting agencies Experian, Equifax, and TransUnion for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) in relation to my identity theft case.

I am the victim of identity theft and have submitted a valid FTC Identity Theft Report ( # XXXX ) along with written disputes to all three credit bureaus, clearly identifying fraudulent accounts, inquiries, addresses, and name variations that are not mine. Despite this, the bureaus have failed to remove or block the information as required by law. In fact, some items appear to have been reinserted without any proper notice, which is a direct violation of federal law.

Failure to block fraudulent items within 4 business days as required by 15 U.S.C. 1681c-2 ( a ) Reinsertion of previously removed accounts without written notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to conduct proper reinvestigation or provide proof of verification per 15 U.S.C. 1681i ( a ) Continuing to report inaccurate and unverified information in violation of 15 U.S.C. 1681e ( b ) Lack of full disclosure and refusal to provide a corrected, updated credit report in violation of 15 U.S.C. 1681g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation