vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MN

Complaint narrative:
To Whom It May Concern : I am writing to report a serious issue regarding inaccurate credit reporting by MOHELA that requires immediate correction. Today, MOHELA incorrectly reported seven of my loans as 120 days late to the credit bureaus, even though all of my loans are currently in forbearance. This follows a previous incident where my loans were incorrectly marked as 90 days late after being placed in forbearance.

To provide some background, I applied for the SAVE program on XX/XX/XXXX. MOHELA repeatedly instructed me not to make any payments, as my loans would be placed into forbearance. I was informed that the only reason for any delay in updating the forbearance status was the slow processing of applications. After contacting MOHELA again on XX/XX/XXXX, to inquire about the status of my loan forbearance, I received a letter from MOHELA on XX/XX/XXXX, confirming that my loans were in forbearance and that no payments were due. However, on XX/XX/XXXX, MOHELA reported all my loans as 90 days late to the credit bureaus, despite my account showing that nothing was due. 
On Wednesday, XX/XX/XXXX, I spent nearly XXXX hours on hold to speak with three MOHELA customer service representatives. Each representative assured me that these negative credit reports would be reversed and that my loans were indeed in forbearance. They also assured me that there would be no further negative credit reporting. I requested written confirmation of this, but was told that it would take XXXX to XXXX business days to receive any written confirmation. Additionally, I have not received any response to the numerous written communications I have sent through MOHELA 's online portal since XX/XX/XXXX, beyond automated messages. In total, I have sent over XXXX email messages. 
Unfortunately, the initial negative credit reporting has not only persisted but has now escalated. As I mentioned previously, today, XX/XX/XXXX, MOHELA reported XXXX of my loans to the credit bureaus as 120 days past due. As a result of MOHELA 's inaccurate reporting, my credit score has significantly decreased by over XXXX points. I am currently in the process of leasing a commercial space for my business, and MOHELA 's gross negligence has made it impossible for me to find a landlord willing to rent to me. 
I possess substantial evidence demonstrating that MOHELA 's gross negligence has resulted in inaccurate negative credit reporting, causing me significant financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Transunion RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k.

> Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely 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 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I was denied because I had a prior approval for {$1800.00} starting XX/XX/year> which was not paid. The reason this was not paid was because this approval was never mailed to me. I just found out about this prior approval because I applied for a loan modification and was denied because I had a prior approval that was not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of incorrect names and addresses being reported on my credit file. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I have the right to accurate reporting of my personally identifiable information.

Upon reviewing my credit reports, I noticed multiple names and addresses listed that are false, inaccurate, and not associated with me. These variations may be the result of clerical errors or potential identity theft. 
Correct Information Full Legal Name : XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number ( last four ) : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Incorrect Names to Be Deleted : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to Be Deleted : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA 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 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
So apparently somebody opened account under my name using my social and date of bird and address.This person is apparently somebody that I know that stayed with me and he got a halt of my information, and he's been doing fraud on XXXX the XXXX  he opened or try to get a car at XXXX XXXX. XXXX and I got a alert saying that somebody ran your report and seven different banks.Did a hard inquiry on my report. I have trouble opening accounts and getting loans.Because my information has been compromised and the only two accounts.I 've ever owned in my life is a XXXXXXXX XXXX and a XXXX XXXX  and those two accounts are correct, but everything other than that on my credit report is is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NY

Complaint narrative:
I had no communication with supposed dept collectors for years. I requested TransUnion to take them off my report. They said there was an investigation in which I didnt receive any findings of the actual investigation. If its not corrected I was informed that I can file charges against all parties involved. This is definitely a scam that I demand be taken care of.

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 2025-04-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I filed complaint XXXX XXXXXXXX in response to XXXXXXXX XXXX XXXXXXXX lowering my credit limit without notifying me by email, official letter or by mail. Synchrony claims they contacted me to resolve the matter and I chose not to pursue a credit line increase, but they failed to identify who they were, authenticate me the customer, and by not performing standard procedures to validate the customer they are speaking with is in fact the person, presented themselves as potentially fraudsters attempting get information from me. 

When someone claims to be with Synchrony and only asks to speak with XXXX XXXX XXXX, and then once I said " This is he '', they immediately went into reading from a script about having to collect my gross annual salary and all the income I can include as part of that number. At no point did the person attempt to authenticate me by asking additional questions to verify they were speaking to the card holder. Listen to the recorded call and you will see why I felt I was speaking to a Fraudster and asked them not to consider the credit increase. I refused to provide information to someone who I can't confirm is from Synchrony and failed to authenticate a customer. 

So for Sychrony to claim they have resolve this matter is incorrect and as a result I am filing an additional complaint because the person you chose to contact me sounded like a fraudster for not following proper authentication procedures, thereby appearing to sound like a fraudster attempting to collect information on me.

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 2025-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing rental debts being reported by National Credit Systems for two former residences : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In both cases, the debts appear inaccurate and unsupported by proper documentation. 

For XXXX XXXX XXXX XXXXXXXX, I contacted the original property management and requested a full breakdown of charges, including a move-out inspection report, itemized list of damages, final ledger, and any photo evidence. They were unable to provide any of this. There were no receipts, no signed documentation, no photosnothing to justify the amount being reported. Yet National Credit Systems continues to list this debt on my credit report. 

For XXXX XXXX, the situation is even more troubling. The company that National Credit Systems is collecting on behalf of no longer owns the property. I had to do extensive research just to track down someone who had worked for the management company at the time of my lease. The current ownership and management have no involvement in this alleged debt, and the original company can not provide any records or verification. It appears that National Credit Systems is attempting to collect this debt without proper authorization, documentation, or understanding of the current property ownership. 

In both cases, I believe these debts are inaccurate, unverifiable, and possibly invalid. I am requesting that the CFPB investigate National Credit Systems and that these debts be removed from my credit report unless full, legitimate documentation can be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MN

Complaint narrative:
I have been disputing the incorrect information on my credit report since XXXX of XXXX. Equifax has not removed the addresses and unknown aliases on my credit report that do not belong to me. They continue to report charge-off accounts and other negative items. I have been subject to 4 data breaches that included Equifax, and Equifax continues to report information that doesn't belong to me. Equifax was also the cause of one of the data breaches that I was notified of by mail. I have placed a security freeze on all CRA and submitted my police report, affidavits, bank statement, passport, and FTC reports. I was informed on XX/XX/XXXX, by phone they do not have all of the documentation they need to verify my identity to complete my disputes. The other two CRAs have complied with all the documentation I sent except Equifax.Equifax continues to report my XXXXXXXX XXXX loans as delinquent when they have been in deferment. I can't even have any access to my Equifax updated credit report online to see what's happening with my Equifax credit report, and it has been like this for over a month. I have sent another round of disputes to Equifax. I am trying to get them to update the inaccurate information, and they are not forthcoming.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I was called by a " Wells Fargo Representative " claiming to be from the Fraud Dept. who '' s caller ID matched the number on the back of my debit card. They had me move money from both checking accounts and available cash from my credit card account to a new debit card opened thru " XXXX XXXX  '' on my XXXX. Where the money fraudulent stolen. The amount added up to be roughly {$3000.00} where Wells Fargo declined to reimburse me for the fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Wrong phone number - Wrong information Also banks spreading and laundering my information around to others Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX Credit reporting Agency block information appearing on my consumer report that is a result of identity theft and fraud within 4 days of you receiving complaint, This fraudulent and inaccurate information consist of employers these fraudulent accounts have resulted in several fraudulent hard inquiries and collection which I will list below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses of XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XX/XX/XXXX Account Number XXXX Number XXXX. XXXX XXXX Account Number XXXXXXXX XXXX XXXX  XX/XX/XXXX Account Number XXXX Number XXXX. Inquiries as follows : XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Collections as follows XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Account Number XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, All of the aforementioned accounts, hard inquiries, and collections are a result of Identity theft and fraud. I have attached FTC Identity Theft Report the criminal complaint # is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I have on file with all 3 creditors documentation from my attorney XXXX XXXX to help assist and halt damagaes done to my personal credit score as we are in a lawsuit with Solar Mosaic. Solar Mosaic financed my Solar panel loan and the package included a generac XXXX that was never finished installing after solar mosaic pre funded the third parties. They took the money and ran. Also, we have had major XXXXXXXX issues and having repaired work done as we speak on the XXXX XXXX XXXX. My credit score is being damaged from such negligence of this company and have spoken several times to all 3 creditors about this. XXXX XXXX told me XX/XX/2025 they were going to file a dispute again, for me to go to we.FTC.Gov and file report and make sure all creditors receive this to stop finally my credit being impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
I am disputing inaccurate and outdated reporting on an account with XXXX XXXX. The account was closed and charged off in XXXX but it continues to be reported with derogatory remarks and inconsistent historical data across bureaus. Despite requesting a reinvestigation, Equifax shows no reported data for balances, past due amounts, or payment history yet continues to report the account as derogatory. Under FCRA 611, I am requesting deletion due to unverifiable reporting. If the account is considered verified, I am requesting the Method of Verification under 611 ( a ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
incident of identity theft that has compromised my personal information. As a result, I am experiencing significant financial and XXXX XXXX due to Unauthorized activities conducted in my name. Despite taken steps to report this matter to the credit Bureaus Experian, Equifax and TransUnion, requesting that they place Fraud alerts and investigate the fraudulent accounts, i have not received adequate resolution. my credit report still reflects accounts that do not belong to me and i continue to face collection call and damages to my creditworthiness

Company response to consumer: Closed with non-monetary relief