vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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 looked at my report and noticed some accounts are unauthorized making my report inaccurate. I sent several letters to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law The accounts in question are XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX Account XXXX According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So | then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates.

So l then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure ' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iil ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do either of those things.

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 2025-04-03 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: FL

Complaint narrative:
Despite multiple attempts to dispute errors with the credit bureaus and creditors, the inaccuracies remain unresolved, negatively impacting my financial well-being. I have identified several unauthorized accounts and transactions on my credit report, as well as incorrect personal information. I have taken the following steps to correct these issues : Disputes with Credit Bureaus : I have submitted multiple disputes to Experian regarding the fraudulent accounts and incorrect information. However, the bureaus have either failed to remove the inaccuracies or have reinserted the incorrect data. I have reached out directly to the creditors associated with the fraudulent accounts to request verification and removal, but I have either received no response or have been denied relief without adequate explanation. I have also sought help from agencies such as the Federal Trade Commission ( FTC ) but the matter remains. I have attached documents and will list the fraudulent accounts and inquiries appearing on my report as follows : XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX ) XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX ) XXXX  XXXX XXXX XXXX {$1000.00} XXXX ) XXXX XXXX XXXX {$1000.00} Also there are numerous inquiries that were never authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts to dispute errors with the credit bureaus and creditors, the inaccuracies remain unresolved, negatively impacting my financial well-being. I have identified several unauthorized accounts and transactions on my credit report, as well as incorrect personal information. I have taken the following steps to correct these issues : Disputes with Credit Bureaus : I have submitted multiple disputes to Experian regarding the fraudulent accounts and incorrect information. However, the bureaus have either failed to remove the inaccuracies or have reinserted the incorrect data. I have reached out directly to the creditors associated with the fraudulent accounts to request verification and removal, but I have either received no response or have been denied relief without adequate explanation. I have also sought help from agencies such as the Federal Trade Commission ( FTC ) but the matter remains. I have attached documents and will list the fraudulent accounts and inquiries appearing on my report as follows : XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX ) XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX ) XXXX  XXXX XXXX XXXX {$1000.00} XXXX ) XXXX XXXX XXXX {$1000.00} Also there are numerous inquiries that were never authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I didn't receive a response to my social being used in a data breach.

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 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a formal complaint regarding the debt collection practices of XXXX XXXX XXXX XXXX XXXX, concerning an outstanding debt of {$26000.00} that was recently placed under collection. 
I am currently serving on active military duty and am protected under the Servicemembers Civil Relief Act ( SCRA ), which limits the interest rate on debts incurred before active duty to 6 %. Despite my military status, XXXX XXXX XXXX has not reduced the interest rate to the mandated 6 %, nor have they provided adequate documentation of the debt. Additionally, I have made multiple attempts to negotiate a settlement, but their response has been inadequate, with requests for full payment instead of offering reasonable terms or accepting my proposed settlement. 

Specifically, my concerns are : 1. Failure to reduce the interest rate to 6 % as required by the Servicemembers Civil Relief Act ( SCRA ).

2. Aggressive collection tactics despite my military status, including refusal to accept a reasonable payment plan.

3. Failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I have attempted to resolve these issues directly with XXXX XXXX XXXX XXXX XXXX, but have not received satisfactory responses. As a result, I am requesting that the CFPB assist with addressing these violations and help enforce my rights under the SCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-03 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 filed disputes on these fraudulent accounts on my credit and they didnt get removed

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have no knowledge of this credit card. ( XXXX XXXX ) I did request the signed contract. I did not receive it

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 2025-04-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Credit Reporting companies release my home phone number without approval or notification. I am getting XXXX spam calls per day. I have blocked all that I could but my memory on my phone is full and can not hold anymore blocks. Some of the calls I have blocked are still calling. I have answered some by saying I am do not call registry. My home phone number has not even been giving to the credit bureau 's. My mom is XXXX and the amount of calls are disturbing. I dont know what else to do??

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The Credit Reporting companies release my home phone number without approval or notification. I am getting XXXX spam calls per day. I have blocked all that I could but my memory on my phone is full and can not hold anymore blocks. Some of the calls I have blocked are still calling. I have answered some by saying I am do not call registry. My home phone number has not even been giving to the credit bureau 's. My mom is XXXX and the amount of calls are disturbing. I dont know what else to do??

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 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: NY

Complaint narrative:
My personal and financial data was compromised, violating FERPA and sever other pieces of US legislation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
On XX/XX/year>, Mohela responded to a previous CFPB complaint with specific information regarding my current loan balance. On XX/XX/year>, Mohela stated that my loan balance is {$61000.00}. They stated that the principal amount is {$61000.00} and that outstanding accrued interest is {$270.00}. This same communication also states " SAVE borrowers will not accrue interest on their loans during the forbearance. '' They sent me additional communication XX/XX/year> stating " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' On XX/XX/year>, I checked my account balance. My total balance according to the Mohela website on XX/XX/year> was {$61000.00}. This is an increase of {$480.00} from what they told me on XX/XX/year>. On XX/XX/year>, I called Mohela to attempt to get this corrected. I called right when the phone lines opened at XXXX XXXX  CST. My estimated wait time was 2 hours and 10 minutes. The automated message I heard stated that I currently have loans that are in forbearance status. I pressed to hear my total loan balance. The automated message stated my total loan balance is {$62000.00}. ( This is an increase of {$980.00} from what Mohela stated my balance was XX/XX/year>. And a {$490.00} increase from XX/XX/year>. I've been in 0 percent SAVE forbearance this whole time ). I pressed 0 to attempt to speak to a representative, after which the automated message stated Thank you for calling Mohela. Goodbye. I called again at XXXX XXXX  on XX/XX/year>. I heard an automated message stating my current wait time was 2 hours and 55 minutes. I chose to press 1 to receive a callback. The automated message stated that callbacks will be made in the order that they are received. It is now XXXX XXXX  CST on XX/XX/year>. I have not received a phone call from Mohela. In addition, I checked my student loan balance on XX/XX/year>. The total increased to {$63000.00}. This is an increase of {$1600.00} from what Mohela informed me my total balance was on XX/XX/year>. This is also an increase of {$1100.00} from XX/XX/year>. And an increase of {$620.00} from the previous day. 

On XX/XX/year>, I made a payment of {$1500.00} one one of my loans. My loans have continued to be at 0 % interest due to SAVE forbearance. So assuming all other information stays the same, my new balance should be {$61000.00}. I checked my loan balances today and the total is {$61000.00}. I've included screenshots of my total loan balance as well as the balances ( principal and interest ) for all my loans. As you can see from these, Loans XXXX, XXXX, and XXXX have all increased interest from XX/XX/year> to XX/XX/year>, when they are not supposed to be accumulating interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Deposited XX/XX/XXXX Placed on hold till XX/XX/XXXX Extended on XX/XX/XXXX till XX/XX/XXXX Spoke to bank representative XX/XX/XXXX Checking account closed XX/XX/XXXX no warning

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 monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-04-03 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: AZ

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 2025-04-03 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: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Garnishment was taken and I was not notified, this debt is also XXXX XXXX XXXX and my understanding is the statute of limitations is XXXX  years. I was not notified in any way about this debt and knew nothing about it until they just garnished my wages which I can not live without the amount that was deducted. I feel like this was against the federal debt collection laws sin this is over the allowable time and need the garnishment to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was on XXXX XXXX XXXX XXXX camping out while I was gone I told my friend XXXX XXXX XXXX hold this cause I didn't want to lose my account information cause I was homeless on the sumup.com card reader that was nearly XXXX years ago All my UCC Filings were gone and the company wanted the original email address that I couldn't remember cause all my phone magically disappeared and all my belongings were gone if you calculated XXXX percent of the warehouse of XXXX XXXX sales per month and had a savings account over XXXX XXXX years that I never spent what's your explanation for all my missing from my account information

Company response to consumer: Closed with explanation